23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had multiple issues with Navient. First, I was unable to even log into my account for nearly two years! I called on multiple occasions to have my login and password changed and it never helped, so I simply had to call every single month when I needed an update or to check on my balance or anything. My second issue is with interest rates. I think it is absolutely absurd when my student loan interest rates are more than double that of my car loans or my mortgage loans. Third, the way they structure repayment options is that if you decide to choose how your payments are applied, ( I.e pay off higher interest loans first ) you are unable to enroll in auto pay which in turn causes you to lose a 0.5 % decrease in your interest rates. However the 0.5 % you save does n't even come close to comparing to the amount of interest they gain by paying the lowest interest amounts first and barely touching your high interest debts. Then, if you even attempt to get your payments reduced because your monthly payments for your student loan debt are nearly half of your mortgage payment, forget about it. You 'll spend three months filling out paperwork and sending it to half a dozen different departments only to be turned down in the end because you " make too much money ''. I did n't realize being lower middle class with barely anything in savings, living paycheck to paycheck was living large these days ...
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX account : XXXX. XXXX. XXXX XXXX XXXX. : I had gotten beat up and robbed in a alley on XX/XX/XXXX and when I contacted chime they said they would help dispute and get my funds back. But instead charged me XXXX on my credit account and they have been doing transfers with no notification like I said through mail and again I call and they denied any info about the dispute that I gave them I want to get help please IM XXXX struggling with no money now homeless
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX, XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX
Product: Credit card or prepaid card

XX/XX/XXXX USAA response of XXXX XXXX and XXXX XXXX XX/XX/XXXX confirms XXXX XXXX {$120.00} IS NOT INCLUDED in the {$470.00} I REPORTED FRAUD XX/XX/XXXX. XX/XX/XXXX USAA Confirms in XXXX XXXX NO XXXX XXXX A RETURNED ITEM IS INCLUDED IN FRAUD I REPORTED XX/XX/XXXX. XX/XX/XXXX XXXX XXXX USAA Confirms XXXX XXXX A RETURNED ITEM {$120.00} IS INCLUDED PART OF BALANCE LEFT AFTER MERCHANT PAID XX/XX/XXXX. XXXX XXXX XXXX XXXX IS INCLUDED AGAIN AS BEING PART FRAUD I REPORTED XX/XX/XXXX?? XX/XX/XXXX XXXX XXXX and XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX RETURNED ITEM IS INCLUDED IN WHAT I REPORTED FRAUD XX/XX/XXXX. I'M CONFUSED?? AND XX/XX/XXXX STATEMENT CONFIRMS NO USAA CREDITS. NO RESOLVE OF FRAUD {$470.00} XX/XX/XXXX DEFAMATION USAA DEFAMED MY NAME REPORTING FASELY CLAIMING I REPORTED A RETURNED ITEM AS FRAUD. LIES LIES LIES AND LIES CREDITS FROM USAA APPLIED. Both responses can not be right. I CLAIM DEFAMATION. STATEMENTS ARE PROOF OF TRUTH.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ), it appears that there are some inconsistencies and incomplete information among the three major credit bureaus ( TransUnion, XXXX, and XXXX ) : Account Number : TransUnion and XXXX do not provide an account number. 
XXXX reports an account number that is partially masked as " XXXX. '' Account Type : All three bureaus report an " Open Account '' as the account type.

Account Type - Detail : All three bureaus report " Open Account '' as the account type detail.

Bureau Code : All three bureaus report " Individual Account '' as the bureau code.

Account Status : XXXX reports " Notsatisfying XXXX '' as the account status, which is not reported by the other bureaus. 
Monthly Payment : XXXX reports a monthly payment of " {$0.00}, '' while TransUnion and XXXX do not provide this information. 
Date Opened : XXXX reports a date opened of " XX/XX/XXXX, '' while TransUnion and XXXX do not provide this information. 
Balance : XXXX reports a balance of " {$2000.00}, '' while TransUnion and XXXX do not provide this information. 
High Credit : XXXX reports a high credit of " {$2600.00}, '' while TransUnion and XXXX do not provide this information. 
Credit Limit : XXXX does not report a credit limit, while TransUnion and XXXX do not provide this information.

Past Due : None of the bureaus report past due information.

Payment Status : XXXX reports " At least 120 days or more than four payments past due '' as the payment status, which is not reported by the other bureaus. 
Last Reported : XXXX reports a " Last Reported '' date of " XX/XX/XXXX, '' while TransUnion and XXXX do not provide this information. 
Date Last Active : XXXX reports a " Date Last Active '' of " XX/XX/XXXX, '' while TransUnion and XXXX do not provide this information. 
Date of Last Payment : None of the bureaus report a date of the last payment. 
Two-Year Payment History : XXXX reports `` OK '' for most months, with one instance of " CO '' ( which typically means charge-off ). TransUnion and XXXX do not provide this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did n

ot grant you authorization to review my credit report. The Fair Credit Reporting Act req
uires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. I
f you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Product: Student loan

My tax return 2015 was used to repay my students loans. I would like it to be reported to the credit bureaus. The debt is affecting my credit scores.
Product: Credit card or prepaid card

Effected by XXXX XXXX 

Contracted XXXX XXXX in XXXX of XXXX, was effected until XXXX of XXXX. It's still an ongoing battle struggling with my XXXX  health which took a hit as a result of hardships created by XXXX XXXX  After loosing my job in XXXX because I caught XXXX  and it wasn't really a thing yet that employers understood or recognized then. I became XXXX and have been under the care of doctors since that time. I have no memory of opening this account or making payments towards it. I have asked for verification from XXXX that I opened the account. They have sent me zero evidence that I opened the account. Their only response was that it was an online application, but sent me XXXX verification that I opened it. If they could prove to me that I opened it, that I spent money on that card, and that this wasn't the result of identity theft I would gladly make arrangements to pay it, and ask that they respect the cares act, and remove all late payments .... BUT first I need verification from XXXX that I actually opened the debt. During this same time frame there was another credit card that was opened and investigated that was the result of identity theft. I am a verified victim of identity theft, and would appreciate the added assistance I need to verify the debt is legitimate from XXXX I do not feel that this is too much to ask. Especially for one effected by XXXX  and identity theft all at the same time. Thank you in advance for the help you gave me during these extremely troubling times. 

EQUIFAX DONT GIVE ME ANY GRIEF ABOUT MY ADDRESS, I RECENTLY APPLIED FOR CREDIT WITH NEW ADDRESS. UPDATE YOUR SYSTEM! DONT DENY ME ACCESS.
Product: Debt collection

SUMMIT COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Trying to communicate with me through my consumer report which needs to stop. 15USC 1692 CC Holds Creditors Liable ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI contacted XXXX  to correct an auto loan information with XXXX creditor. They have not corrected the inaccurate info they are reporting. They are also reporting false info about an account with XXXX XXXX opened in XX/XX/XXXX and will not remove it. I have not ever had an account with this company and did not open one with them recently. Equifax is also reporting this inaccurate information. I  want these inaccuracies fixed immediately as they are preventing me from financing purchases and providing for my family.
Product: Checking or savings account

KeyBank has charged an outrageous amount in fees over the last few weeks to my checking account, {$38.00} each time for a total of {$1100.00} since XX/XX/19, that has totally eaten up my biweekly paycheck all to their ridiculous fees and have made it impossible to catch up. These fees seem very predatory and can not believe they charge so much without fail. Most of the negative amount on my checking account is caused by the fees themself making me go past due. I have attached screenshots of my account to show the multitude of fees, which again seem so predatory and have caused an incredible amount of stress and financial burden at {$38.00} each time and another {$28.00} for being past due for a certain period of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday XX/XX/ I sent a security freeze request to Appfolio through email. I did not appreciate the response that I was given. An agent responded by saying " Appfolio is not a credit bureau and can not freeze your credit. '' I then responded by saying that Appfolio is a consumer reporting agency and I have the right to obtain a freeze on my credit report. They have been reporting information in my name without written consent which is a violation of 15 USC 1681b ( a ) ( 2 ). This are also violating 15 USC 6802 b ( c ) they never gave me an explanation of how I can exercise my to not have my information reported.This company is clearly depriving of my right 18 USC 242 and is conspiring against my rights ( 18 USC 241 ) by selling my information against my permission which is also identity theft.
Product: Mortgage

I was   XXXX   some time ago and can   XXXX   XXXX   XXXX   I have been working with  XXXX   XXXX  and his team to negotiate a short sale with  Specialized Loan Servicing.  They were able to find a Buyer however, the bank is not willing to look at the offer. They say the foreclosure is too close even though it is a month away.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019 to XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

XXXX XXXX XXXX, XXXX is foreclosing on our home over a debt that is from XX/XX/XXXX. Since XXXX they have not made any contact or attempted to collect the debt. Beginning in XXXX of XXXX they filed pre-foreclosure on the house without any prior notice or attempt to collect or settle the debt. 

XXXX XXXX XXXX, XXXX is practicing extreme and abusive collection practices. When attempts to contact the company have been made they intimidate, interrupt, and dismiss request for information. 

When attempting to settle the debt multiple requests to have offers reviewed have to be made before they follow due process. The loan being collected reached an interest maximum in XXXX and XXXX XXXX XXXX, XXXX continued to not attempt to collect the debt. They waited two years before with out any contact before beginning foreclosure. This has significantly affected the ability to pay back the debt.
Product: Student loan

I have been back and forth with Mohela and the Department of Education. I was told on XX/XX/XXXX by Mohela that I am not entitled to a refund with PSLF forgiveness that was issued on XX/XX/XXXX with 171 cumulative qualifying payments out of 120. I should be 51 overpayments. XXXX  stated yes I am to receive overpayment and that Mohela is the sole servicer responsible for issuing PSLF refunds. Also, Mohela you have the wrong dates. You aquired the loan from XXXX and XXXX on XX/XX/XXXX. That is not the date I got loan forgiveness. I have all records from XXXX and should of received loan forgiveness in XXXX when I originally applied which I kept making loan payments up until the covid pause in XXXX. We can't control who the feds transfer the loan too and the missing information is daunting. I've attached all proof as to my refund. It has been a daunting process and want my refund that I am entitled to as well as clear answers. I know I am not the only one experiencing this.
Product: Credit card or prepaid card

I have expressed my concerns with Capital One regarding my second credit card which ends in XXXX I have had 3 executive office representative have the same answer but there is no resolution. I was denied a credit increase from Capital One a couple of months ago. They stated the reason for this denial was that my payment was returned. I have made my payments on time to Capital One for years!!! I only wanted the {$250.00} increase on the first card. I was encouraged to apply for a second card by a Capital One representative. I was approved but the interest rate is 24.99 % which is absolutely too high of a percentage. 

I have expressed to Capital One that I only wanted the increase from the first card. I have a good payment history and should have not been denied the credit increase. I now have another credit card in which I really did not want the extra debt! The fees are extremely expensive and told Capital One that I think that this was a ploy to give me another card so that I could owe Capital One more money!!
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, i completed two transfers of {$1.00} ( Transfer 1 ) and {$630.00} ( Transfer 2 ) to your Business Account balance. On that same day, you completed two transfers totaling {$630.00} from your Business Account to your Personal Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my Experian credit file, I noticed several inaccurate accounts and inquiries, pursuant to 15 USC 1681. 

I attempt to rectify the matter by sending the attached affidavit to Experian to have these accounts and inquiries removed. 

This has not yet been done.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I sent a formal letter to Absolute Resolutions Investments stating how reporting information that they know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Specifically, section 607 of the Fair Credit Reporting Act ; Compliance procedures [ 15 U.S.C. 1681e ]. Every step must be taken to assure the information reported is completely accurate and correct. Pursuant Section 611 in the Fair Credit Reporting Act, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], inaccurate or unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account. I respectfully asked the account be verified, immediately, by providing proof of this alleged item, specifically the contract, note or other instrument bearing my signature ; or be removed from my report.
Product: Debt collection

Several weeks ago I contacted the XXXX XXXX XXXX XXXX company and indicated that I have an account in my credit report that does not belong to me and is hurting me at that moment, especially by Mrs. XXXX XXXX and she told me to send her by email the police report and all my documents. It has been several weeks of this and I have not received an answer, today I contacted the company and they passed me to a manager named XXXX XXXX. He tells me that the account is finished investigating and they determined that the account does not belong to me because they do not have any information about me and he told me that the company 's lawyer said that the account stayed in my XXXX report because this is a old account and he's not going to delete it even if it's not mine. He told me that the best thing I can do is pay it off and forget about making a dispute. I explained to Mr. XXXX that this account is not mine that I was a victim of identity theft and he tells me that they do not care and that I have to pay and that since the account is {$700.00} I can not sue them. At the end of the last thing he told me I tell you a secret, we do nothing with these police report send it directly to XXXX and forget about this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters to resolve any issues. 
Refer to 18 U.S. Code 242- Deprivation of Rights under color of law.

Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.

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 famish an account without my written instructions.
1. Under 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ) This account is in violation of not reporting 100 % accurate it lists the bankruptcy court as the furnisher that's a forgery and misleading when the courts do not report this type of account. 
XXXX XXXX Bankruptcy ( XXXX ) Case Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit card or prepaid card

I was unknowingly signed up for " Payment Safeguard '' without consent by Citi and have apparently been charged and paid fees since approximately 2012. I became aware of it when using a new recurring bill monitoring tool. This was deceptive practices by Citi and they refuse to refund the money spent for years which amounts to thousands of dollars. I have stopped the service and made multiple requests for reimbursement. They did not ask for consent or ever explain what service was and portrayed it as a required fee.
Product: Debt collection

I am filing a formal complaint against TRANSWORD, regarding their failure to provide adequate verification of an alleged debt. On XX/XX/year> Although they said it was sent XX/XX/year> via my email which I didn't receive and asked them to communicate via postal mail. I received a ledger from this debt collector as their response to my request for debt verification. However, this document alone does not meet the verification standards required under the Fair Debt Collection Practices Act ( FDCPA ) for a valid debt collection claim.

As per FDCPA guidelines, I requested detailed verification of the alleged debt, including the following items : 1. A copy of the original agreement between [ Debt Collectors Name ] and their client, which grants them authority to collect on this debt.

2. Proof of acquisition or a purchase agreement for this debt, establishing that [ Debt Collectors Name ] has the legal right to collect on it.

3. A document bearing my signature that demonstrates I am indeed responsible for this debt.

4. Verification of [ Debt Collectors Name ] s authorization to collect in my state, including their license number, if state law requires it.

5. Contact information for their registered agent, if applicable.

Instead of providing the requested information, Transworld has only sent a ledger, which does not constitute proper verification of the debt. This failure to provide complete documentation undermines my rights under FDCPA Section 809 and raises concerns about the legitimacy of their collection efforts.

Given the circumstances, I respectfully request the CFPBs assistance in ensuring that Transworld complies with federal and state regulations by providing the full and accurate verification required by law. Additionally, until proper verification is provided, I request that no collection actions, credit reporting, or any other measures be taken by Transworld regarding this debt.

Thank you for your assistance in addressing this matter. I look forward to the CFPBs help in ensuring compliance and protecting consumers rights.
Product: Debt collection

I switched home TV/Phone/wireless service from XXXX to XXXX in XXXX of XXXX. XXXX produced a bill saying that I had a past due amount. This was incorrect as they bill a month in advance and I had cancelled their service and returned their equipment. I received a letter and calls from Southwest Credit regarding the same amount of past due ( {$270.00} ). In speaking with XXXX, they acknowledge the bill is in error ( too high ) but that they can't correct this until the next billing cycle ( XX/XX/XXXX ) ... .yet Southwest Credit will not stop their debt collection activities. Crazy ... .I know XXXX is a bad customer service company but even they can't tell me the actual amount owed ( only that it's less than their bill ). What's a consumer to do?? 

XXXX XXXX