23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I currently have student loans through Navient. I have been struggling for years to try in lower my interest payments and also try to get income based payment arrangements. I currently live pay check to pay. I get roughly XXXX/bi weekly and they want my repayment to be over 1,200/monthly. No matter how many times try to send them my monthly expenses and what I have left ; sometimes not even enough money to buy groceries. With my monthly expenses and bills I roughly have about XXXX left for gas, groceries, personal hygiene ect.. I have been told by them to sell my car, walk to work, etc..They will only allow me to set up payment online/calling them by credit card or my checking account. I have never been giving the option to send a money order from my bank. As an educated individual trying to pay back student loans with what money I have left, I continue to get harassed by many many nasty phone calls from Navient along with my family members. Please help me to get a solution resolved with Navient and a less stressful loan lender willing to work with me based on my finances.
Product: Mortgage

Bank of America, after receiving certified funds ( Cashier 's Check ) to reinstate mortgage loan, cashed and then return the funds to me ( borrower ) and then wrongfully filed a Notice of Default. 
Please see the attached documents for more detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is US BKPT CT AL XXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified through XXXX XXXX and/or LCI. Which IS NOT TRUE. I would like this entry on credit report to be removed. Even XXXX XXXX Does not have it listed and LCI can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPTCY COURT which in my letter it states that the bankruptcy courts DO NOT VERIFY, VALIDATE, or REPORT.
Product: Checking or savings account

On XX/XX/2018, an ACH debit of {$10.00} was presented to my account. With a balance of {$1.00}, it was denied and subject to overdraft fee of {$29.00}. Then on XX/XX/2018, a deposit of {$210.00} was credited to the account and the overdraft fee was posted ( {$29.00} ). Now on XX/XX/2018, I reached out to customer service via email to reverse/waive the overdraft fee ( {$29.00} ),  because to change me {$19.00} more then the original overdraft ( that was denied ) was extreme for such a small amount of the denied overdraft. I'd like for the fee to be reversed /waived, so that I can continue my banking relationship.
Product: Debt collection

XXXX sent business representatives to my business to set up a business account. The sales rep made promises and she didnt execute on them. I went to a XXXX location where I cancelled the account and returned the phones. XXXX continued to bill me every single month. I went back to the location and they told me my account was cancelled and they were not able to figure out why I was being charged. The XXXX reps told me to call my bank and block the charges. I HAVE NOT MADE 1 PHONE CALL during my time with XXXX and THEY WANT {$1400.00}!
Product: Mortgage

send a copy of the request summons or subpoena you sent to XXXX XXXX to verify my homeowners insurance and what steps were taken to correct the erroneous escrow entry by XXXX in XX/XX/2017 for {$2200.00}? 
Also send the response to that inquiry to XXXX XXXX
Product: Payday loan, title loan, or personal loan

sir. i get one pay loan speedy cash. my emergency situations harricaine Harvey in XXXX tx i get this loan. loan principal amont. {$3000.00}. loan a/c # XXXX. i pay back each 15 days my payment due. i make 9 payment every 15 days each payment amount is {$510.00} i did total payment {$4500.00}. my hard situation lose my job. i call i need payment extended payment. speedy cash no give me any chance to extend due. date. no any help no did. i so many i call. nobody help me. this speedy cashinstallment loan company they did track my debt card. and back account. i tell my no pay this company. my bank officer told me. this kind ilegeal payday loan companies. you change bank account. that's more better. after 4 months later. one collection call come to phone. you wants pay {$5100.00}. i don't know where amounts coming from. this one type financial discrimination. pls help sir.
Product: Debt collection

This complaint is related to a previous complaint I forwarded to you on XXXX/XXXX/XXXX under Case Number XXXX, XXXX & XXXX. The same collection agency, State Collection and XXXX XXXX XXXX are now sending me, collection notices for services I received from XXXX XXXX on XXXX/XXXX/XXXX. I paid the amount my insurance did not pay in the amount of {$76.00} on XXXX XXXX, XXXX in the amount of {$390.00} which included the amount I owed for my mastectomy at the same hospital on XXXX XXXX, XXXX. This check cleared XXXX XXXX XXXX on XXXX XXXX, XXXX. The check is made payable to XXXX XXXX for services rendered on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. A copy of the cleared check was sent to XXXX XXXX on XXXX XXXX, XXXX and a copy was later sent to State Collection Agency, so there is no reason they should be harassing me over these charges. This is only a continued harassment over the charges I have proven we do not owe on my husband via my previous notices to you. The physical and mental toll of this harassment is taking it 's toll on me and my husband and I feel they are completely out of line and that their actions are punitive. I have notified them repeatedly that I am charging them for the time I have had to invest in responding to these unowed charges and my time charges alone are currently at {$720.00}. This does not include processing fees as well as punitive damages.
Product: Payday loan, title loan, or personal loan

If you look into the reviews there are over 90 complaints and most of them fall into this month alone. This company fails to answer important customer concerns. They have what seems to be zero customer support and the company needs to be further looked into,
Product: Credit card or prepaid card

On XX/XX/2020 a representative from Lane Bryant  Commenity Bank called me for the second time in one week about making a payment. I told them both times that I am unable to make a payment due to not having the funds do to having to provide things for my family during the covid 19 outbreak. I am the only person working in my home. I just sent them a payment last month when I was able too and now they are harassing me again before XXXX is even a week in. I asked them if they could offer some type of extension and they asked me is I could pay. They were not trying to work with me, but treats me like I was lying about my situation.
Product: Credit card or prepaid card

I applied for the Barclaycard XXXX XXXX card and Barclaycard Frontier Mastercard and was approved for both on XXXX XXXX, XXXX. I completed minimum spending requirements and annual fee requirement for the bonus offers on each card in XXXX. On XX/XX/XXXX at XXXX, I called Barclaycard as 1 ) I had not received my expected XXXX XX/XX/XXXX + XXXX XX/XX/XXXX miles for meeting the XXXX XXXX requirements. 2 ) I had not received my expected XXXX Frontier Bonus miles for meeting the Frontier card requirements. I was subsequently told that my cards were closed without my knowledge. I asked for my call to be escalated to a manager as I had not closed my cards The call was escalated to XXXX who is manager at Barclaycard. He apologized that he could not see why the cards were closed. I explained that I was very upset since my card were closed without my knowledge, I pay my bills on time with never a late payment and that I have not received my bonuses as indicated above. Furthermore, I explained that it seems that Barclaycard closed my accounts to claim that they were not legally required to pay the bonuses. This false advertising as I met the requirements 2 months ago for the bonuses. I appreciate the help. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis nexis keeps violating my rights, they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they are reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that they immediately delete the items specified above from my consumer file with their agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX INQUIRIES : XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 TRANSUNION : INQUIRIES : XXXX XX/XX/2022 XXXX PERSONAL INFORMATION : EMPLOYER XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, the US Department of Education reported that Between XX/XX/XXXX and XX/XX/XXXX my Student Loan account balance increased by {$5300.00} from {$770.00} to {$6100.00}. This caused my score to drop with XXXX XXXX points, XXXX XXXX points and Experian XXXX points. The account should report the original balance on XX/XX/XXXX was for {$740.00}. At XXXX XXXX interest ( currently frozen to XXXX XXXX for CARES Act administrative forbearance and no payments to date, the current balance shows {$770.00}. This is not only blatantly false but it has happened before but it has been impossible to track. XXXX, Experian and XXXX refuse to explain, verify or rectify despite repeated calls and letters.
Product: Mortgage

Property was unfairly foreclosed and sold after communicating and providing proof of the documents they requested and I also they did not provide the proper processor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

I purchased a home in XX/XX/XXXX with a cash purchase with a settlement from a accident. I lost my husband and XXXX. In about XX/XX/XXXX I got a loan from America General for about XXXX and it grew to XXXX 7 years. Not sure how the loan grew because I was under Doctors care and taking strong pain medication. Made payments on time but never saw the debt reducing. Then I lost my sister who was helping me pay bills and in and out of the hospital myself for months at a time. So I got my niece involved and starting asking for documents to show how the loan grew once it was brought by Springleaf Financial. We was told that all paperwork was in the archives and no one never got back to us after being told they would collect the information. Then months later debt was brought by another company, then another company which now XXXX XXXX XXXX has it, since XX/XX/XXXX. Now I 'm dealing with trying to keep my home from Foreclosure for the amount of XXXX. I really do n't clearly understand how the loan grew to be so large, not sure if the medication caused me not to remember, but I do n't recall borrowing up to XXXX.At the time I was n't sure of what kind of loan I had. Then Springleaf never got the requested paperwork that I ask the branch manager to get for me. I do recall going back a couple of times for small loans never no more than XXXX at a time. But I 'm not absolutely sure that I borrowed up to XXXX. And all the years Ive paid on it, it never decreased. I 'm on a fixed income receiving my XXXX and my late husband '' s. I get a total of XXXX a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I established a store credit card with XXXX XXXX XXXX XXXX Amidst the breakout of the 2020 COVID pandemic, I was too afraid to check and even touch my paper mail. As though did every business, I also spiraled in figuring out how to keep our institution/ business connected, and as XXXX  XXXXXXXX XXXX an essential business, configuring remote employees, while ensuring my own children remained connected for schooling, was my upmost concern, as so was it for all of America . After realizing that I had gone severely XXXX, with this credit card, months later, I pleaded that they please remove this negative reporting. After submitting I would say my second dispute, I found that not only did my plead go unheard, but a DUPLICATE negative account reporting appears on my credit report. They are negatively impacting my credit. It also feels like retaliation due to my multiple requests to remove or consider these accounts. I have not to date received anything in the mail, in writing. The online dispute responses are always unavailable, and if it exists difficult to retrieve. I have been unsuccessful in understanding, why they can not consider my situation, why is there a duplicate negative reporting.
Product: Debt collection

On XX/XX/2021, I sent a letter to First Point Collections after seeing an account they are reporting on my credit report. I never received a dunning letter from them in the first place. I sent them a certified letter requesting legal documents about this alleged debt they are reporting on my reports, but they ignored my letter and never replied. I am not liable for this alleged debt and they have not provided the documents I asked. 

I demand that they delete this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Account Number : XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account is question is a charged-off account that has been reported by.. 
I am disputing this account based on violations of the Metro 2 credit guildlines. According to these guidelines, a charges off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report.

After reviewing my credit report and the information provided by.. I have found several violations of the Metro 2 guidelines. These violations
include : 1. Last Activity Date inconsistant across Credit Bureau 2. Term Type Source inconsistant across Credit Bureau 3. Status inconsistant across Credit Bureau 4. Comments inconsistant across Credit Bureau 5. Account Details inconsistant across Credit Bureau 6.

Payment History inconsistant across Credit Bureau Based on these violations, I request that you remove this account from my credit report. I have already contacted .and requested that they remove the account, they refused to do so. I have also included a copy of my previous dispute letter for your reference. Please investigate this matter and remove the account from my credit report if you find that it has been reported inacurrately or in violation of the Metro 2 guidelines.
Thank you for your attention to this matter. Sincerly,
Product: Prepaid card

I purchased a {$100.00} AmEx gift card for my XXXX  as a gift. She attempted to use it to make a purchase and it was declined multiple times. So I attempted to make purchases with it at other sites and with other vendors and it continued to be declined. I called the customer service line and no clear reason for why it wasnt working was given. The representative then told me the card would be put on hold for 24 hours. I asked why. He said because the prior purchases that were declined, which made no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is using my information without my consent and is violation the FCRA. 


The FCRA states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I never gave Equifax written instructions to furnish a consumer report on me the consumer.
Product: Credit card or prepaid card

I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working for better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 to 90 days late to the credit bureaus ( XXXX XXXX and XXXX  ) between XX/XX/2015 and XX/XX/2015 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
Product: Credit reporting or other personal consumer reports

I have established online access with Equifax, TransUnion, and Experian to correct numerous inaccuracies in my personal information. These errors have led to unjust negative items on my credit reports, resulting in a decline in my credit scores.
Product: Credit reporting or other personal consumer reports

XXXX Transunion at XXXXXXXX XXXX XXXXXXXX spoke to someone didnt get their name he tried to help but I was transferred to XXXX XXXX XXXX  spoke with XXXX XXXX ( supervisor ) he states XXXX 
I told them about Ive been trying to get to them about XXXX hard inquiries and numerous of other that wasnt open by me he yells through the phone saying call the creditor how when I never applied-I have sent out my ID-SOCIAL CARD-Signature asking to validate the accounts asking for help-demanded deletions-asking for the accounts to be deleted over a year and over six month and also over thirty days.I would like to receive XXXX for each account within 30 days and all XXXX incorrect hard inquiries with Transunion.This messing with my life for so long.I have been trying to get someone to work on this for so long.Please help its terrible and very frustrating and difficult
Product: Credit reporting or other personal consumer reports

I am writing to formally address the impact of the Experian and Equifax data breaches on my credit profile. As a victim of these breaches, I have experienced significant distress and disruption in my financial life, leading to unauthorized and fraudulent remarks on my credit report.

Under the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ), I would like to bring to your attention that I am entitled to the removal of all fraudulent remarks from my credit profile. Given that these fraudulent entries have arisen due to the data breaches, it is imperative that they be expunged to reflect the true state of my credit history accurately. The FCRA stipulates that credit reporting agencies must not report any information that is a result of identity theft or fraudulent activity, and my situation clearly falls under this provision.

Moreover, I would like to reference FCRA Section 605 ( b ) ( e ), which specifies that upon receipt of my request, the credit reporting agency has a defined 4 day time frame to complete the investigation into the fraudulent remarks. I expect a thorough investigation within the stipulated time limit, as failure to do so would not only violate my rights but also exacerbate the negative impact on my creditworthiness.

The presence of fraudulent remarks on my credit profile can lead to severe consequences, including denial of credit applications, increased interest rates, and a tarnished reputation among lenders. Such repercussions could hinder my ability to secure housing, employment, and other essential services, further emphasizing the urgency of resolving this matter.

I kindly request your immediate attention to this issue and the removal of all fraudulent remarks from my credit profile as mandated by the FCRA.

Thank you for your cooperation.

Sincerely, [ Your Name ]
Product: Mortgage

We had expirenced water damage on XX/XX/2024. We had filed a claim XXXX insurance and all went well. Mortage company now has possession of the insurance check and has denied many times after many phone calls over the last 2 months to release any money to fix my home. Many different statements and requirements being asked and done and still no money to be released. My electric bill has been very high due to damages not being fixed my home being hot daily XXXX my kids living there as they will now release any money to fix the the home :
Product: Credit card or prepaid card

Company is XXXXXXXX. Received bill for {$92.00} which I paid in full by mailing check on XX/XX/XXXX. I went into the local Post Office to mail check. It was due XX/XX/XXXX.  Received another bill from them last night, XX/XX/XXXX, for late fees in the amount of {$29.00}. Late fee of {$27.00} posted on XX/XX/XXXX and {$2.00} Minimum Charge posted on XX/XX/XXXX. Phoned them this morning. They claim that all mail is opened and processed as soon as  they get it and they recommend people send payment at least 7-10 days before due. I thought this was what I was doing and was shocked to see late fees applied. I went on a consumer fraud forum last night on line and saw many other complaints about this bank ... XXXX. There were many complaints about late fees added similar to mine. On my bill, they posted my payment on XX/XX/XXXX ... ..how convenient ... ... one day after it was due. XX/XX/XXXX was a Sunday and the day after was XXXX XXXX and a Post Office holiday, BUT ... even if letter did not leave the Post Office until Tuesday, XX/XX/XXXX ... ... they should have gotten it by XX/XX/XXXX ... nine days later. XXXX XXXX runs a scam ... .they make millions on fraudulent late fees! I went in to pay the fraudulent charge to local XXXX XXXX this morning. They were surprised fees were not waived by my phone call. Only made payment because XXXX  threatens to report to Credit Bureaus. Thus ... .XXXX owes me {$29.00}.