23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When my loan was with XXXX XXXX and I was having a difficult time paying my loan they convinced me to use my all my options to continue to delay my payments. At the time, with a young family, I thought XXXX XXXX had my best interests in mind and I agreed to move forward. I did n't fully understand that later in life I would no longer have this option if I ever needed it again. Also the interest was continuing to be charged, so it meant that XXXX XXXX was making more money off me. When XXXX sold my account to Navient I had moved and did not receive the notifications. Navient was not sending me paper bills and the emails they were sending were going to my spam. After I realized I should be paying Navient I called and emailed them multiple times asking them to send me paper bills, and to take off any penalties or credit reporting of late payments however they would not remove any penalties. They finally started sending paper bills. I have had my original loan since 1999 and I do not have even 1/2 paid off. Interest and penalties have piled up so much that my loan is costing me an extremely high amount. This is not something companies should be allowed to do for people who 've taken out student loans with a reputable company only to be sold to another and treated this way.
Product: Checking or savings account

Money stolen from my account without my knowledge or authorization. So far XXXX, and XXXX dollar unrecovered. The return statement by bank of the west is a joke and completely ignore my complaint.
Product: Vehicle loan or lease

I FINANCED A CAR WITH ACOMPANY WHO SOLD THE ACCOUNT TO WESTLAKE FINANCIAL. WE REQUESTED OUR TITLE FREE AND CLEAR. WE HAVE MADE XXXX PAYMENTS OF THE XXXX WE WERE REQUIRED. SO WE HAD OVERPAID. WE PROVIDED OUR PAYMENT HISTORY AND IT MATCHED THERE PAYMENT HISTORY THEY HAD ON FILE. THEY CONTINUED TO ASK FOR A PAYMENT. WE AGAIN PROVIDED OUR PAYMENT HISTORY SHOWING WE WERE IN THE CLEAR AND HAD BEEN. WAITING ON OUR TITLE AND OVERPAYMENT THAT WAS OWED TO US PRIOR TO THE ACCOUNT BEING SOLD TO WESTLAKE FINANCIAL AND THEY WILL NOT RESPOND. BUT, ARE CURRENTLY STILL REPORTING TO MY CREDIT NEG REPORTS TO THIS ACCOUNT.
Product: Debt collection

On XXXX XXXX of collection reported on my account/collection letter sent to me, National Credit Adjusters add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts that have appeared on my credit report as a result of identity theft following a recent data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts removed to protect my credit history and personal information. Please see below the details of the accounts in question : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$7100.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2200.00}
Product: Credit card or prepaid card

In XX/XX/XXXX I struggled to make payments on this TD account due to financial hardship the pandemic has caused. After speaking with rep. XXXX, I told him I will make arrangements on this account in XX/XX/XXXX. 

On XX/XX/XXXX I enrolled in the Re-Age program on this account in which I was required to make 3 monthly payments of {$180.00}. First payment of {$180.00} was made on XX/XX/XXXX. Second payment was due in XXXX as the XXXX payment was applied to the month of XX/XX/XXXX. I made the second payment of {$180.00} on XX/XX/XXXX. When I made the third and final payment of {$180.00} on XX/XX/XXXX, the payment was accepted then subsequently rejected for missed due date. 

During the time this account was enrolled in the Re-Age program I was never given a specific due date, I was told the agreement began on XX/XX/XXXX and I was to make 2 subsequent monthly payments of {$180.00} in which I did. 

I dispute this negative reporting on my credit report as I acted in good faith and made the 3 monthly payments. I agreed with this creditor to make the payments to bring this account current to avoid charge-off reporting and to bring this account current. I am requesting an investigation into this predatory practice and behavior that TD Bank Cash Signature Visa has displayed.
Product: Checking or savings account

I learned earlier this year a banking account for Citibank, A XXXX XXXX was set up in my name by an employer, I don't work for anymore. ( XXXX  ) It's been years since I worked there. Not once did citibank reach out to let me know this account existed till XXXX... XXXX years later. And then have proceeded to ask and ask for documents for XXXX full months now, over XXXX stamps. I have been trying as an XXXX  adult to manage but it's gone too far, last week Tuesday XXXX of XXXX. Citi bank confirmed the check was sent and I'd have it by Monday no later! It's Monday today and no check in XXXX  months and it's still not even here.. my power was shut off because this bank is incompetent... I'm quite XXXX at the moment and am demanding restitution for bait and switch, fraudulent accounting and reporting, plus... please help me I don't know what to do anymore. Thank you and I'm so very sorry this is so long and not 100 percent nice message, I tried.
Product: Credit reporting or other personal consumer reports

I sent certified mail to the Credit reporting agencies to investigate incorrect, invalid, and impermissible information pertaining to my credit report regarding an XXXX account with the account number - XXXX. After conducting an investigation I was told the referred account has not been changed and will remain on my credit report. Earlier this year I made a complaint to the CFPB about this same company furnishing all of this invalidated data without my written consent. I, The consumer should be protected under SECTION 15 United States Code 1681 in its entirety. The negligence to uphold these standards and willful non compliance to maintain accurate reporting is extremely disheartening as it is very damaging to my reputation causing me extreme stress, XXXX  XXXX, and making it very difficult for me to maintain financial stability. I have attached proof to validate my claims. Please investigate this matter immediately. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

A change on my credit report came in under XXXX ... Origional creditor was speedy cash and it was open in XX/XX/XXXX. I have not had a single payday loan since XXXX from anywhere. However my ex has been pulling random loans including a student loan in my name. I sincerely believe this is an act of fraud and do not have ownership or knowledge of this account. I also live in Utah and have lived in Utah since XXXX where most places will not allow online loans in Utah for some reason. The last loan I did was a title loan from XXXX XXXX XXXX and it has been paid back in full since then.
Product: Student loan

In XX/XX/XXXX, student loan payments restarted and I paid mine on time. However, in XX/XX/XXXX, I received a notice from Mohela explaining that they did not give me a timely notification of payments restarting therefore I was entitled to a refund of that XX/XX/XXXX payment of {$630.00}. I submitted my request for this refund in XXXX of XXXX. This time happens to coincide when Mohela was " transitioning platforms '' therefore my application was lost. I have contacted Mohela regarding this refund on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and every time I receive a different answer, although they admit they are able to go back and see my original, timely request for refund.
Product: Debt collection

I filed XXXX  XXXX bankruptcy in 2005 and the 2nd mortgage on my property was written off. A few years down the road they sold it to Real Time Resolutions collection agency. This is a 20 yr old issue, and now they are trying to tell me they are goin to sell my house. I have not been taken to court nor had a judgment against me from them. And they acknowledge that the statute of limitations has ran out in the letter they sent me.
Product: Debt collection

I called AWA collections services to inform that I received a hospital bill from XXXX XXXX in Tennessee. I advised AWA that I have never in my life been to Tennessee. Someone used my social security number and a wrong last name fraudulently, The person used the last name XXXX XXXX which is not my last name, but they used my social security card. Awa said that there is nothing they can do about it. AWA suggested I called the hospital billing department. I called the hospital billing department in Tennessee and was told that they can't find that account. Last year I had to file a police report here in North Carolina because someone in Tennessee was working under my social security number. I called that employer and the person was apprehended and fired. I have been trying to resolve this stolen identity issue for years which has interfered with my XXXX XXXX XXXX Benefits. Please Advise on how to resolve this issue.
Product: Mortgage

XXXX XX/XX/2019 XXXX : Navy Federal Credit Union ( NFCU ) XXXX. Box XXXX XXXX, VA XXXX XXXX Subj : Reimbursement of Escrow, Real Estate Taxes On XXXX, my previous, secondary Insurance Carrier did not re-new my XXXX XXXX Insurance Policy ; because, it has a conflict with a Florida Stature : or, it believes that my primary, XXXX XXXX. coverage is not a true XXXX Insurance Policy, which it is, indeed. So, such Ins. Carrier sent NFCU a copy of its Cancellation Letter of my real estate property. Consequently -- if not, subsequently, on XXXX, NFCU placed a " Forced Insurance Policy '' from XXXX in the amount of {$1600.00}, on my property. It did so, too, presuming, or even assuming, so very erroneously, that I did not have Continuous Coverage on my property. When, in fact, about a month or so right before XXXX, I sought as well obtained Continuous Coverage with a brand new Ins. Carrier concerning my property ; which is so evidenced right by my submitted/uploaded, XXXX-page Insurance Declaration Page/s. 

It has been so grossly inappropriate for NFCU to have placed a " Forced Ins. Policy '' upon my property -- not, even, having the mere decency or good sense to inform me of such .... Had it done so, it would have seen/known that such was Wrong -- if not, so very unnecessary. 

Being such, I request -- or, so demand -- NOW, that my {$100.00}, for my real estate taxes -- or, PAST escrow, be so reimbursed via my NFCU Savings Account. Since, I satisfied ( or just paid off ) such real estate mortgage, on XXXX, or XXXX weeks ago. Plus, my having had super solid proof of Continuous Homeowner 's Ins. Coverage .... 

Good Day.
Product: Checking or savings account

I have had an account with Discover Bank for over 4 years. Recently I decided to close the account and transfer the funds to an account, also in my name, at XXXX. To this end I submitted a wire transfer request through Discovers mobile banking app. 


After making the request I received a call from Discovers wire department. They said they needed to do further verification. I answered all of their verification questions correctly. 


At the end of the call, they said they also needed a photograph of my drivers license. Given that this requirement is not disclosed in any documentation available to me, and in light of their poor data security practices evidenced by the data breach they experienced a few years ago in which customer data was offered for sale on the dark web, I declined. I asked that the wire transfer request be cancelled. 


Since then, I have learned that Discover has frozen my account. I submitted electronic transfer requests through XXXX as an alternative means of transferring the funds but these were denied by Discover. XXXX has informed me Your account at the external institution is ineligible for online transfers. Please understand that Discover Bank is an online bank. They have no branches aside from a single nominal branch at their statutory headquarters in Delaware. All of my activity during my 4+ years with Discover has been conducted online. 


Under the guise of online security Discover is preventing me from terminating my relationship with them and moving my funds elsewhere. The account continues to earn a rate of interest significantly below the risk-free rate at this time, enabling Discover to continue to profit on my funds at my expense despite the fiduciary prohibition on their doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on 3 occasion about fraudulent information being housed on my credit reports ; I mailed them a copy of a police report and they still have refused to remove fraud inquiries on my report. They are violating my consumer rights by still reporting this information as true.
Product: Credit reporting or other personal consumer reports

I'm writing to dispute negativity on my credit report. The following accounts listed below do not belong to me and need to be deleted or blocked.In the statue I noticed you require a documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the items but need you to assist in the process. I'm including this reports in my letter to help substantiate my claim. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I trust this letter finds you well. I am writing to address a matter of utmost urgency concerning my credit report. Upon a recent review, I have identified inaccuracies related to late payments that are adversely affecting my credit history. 

Details of the disputed information are as follows : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. XXXX have already removed the late payments from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. XXXX have already removed the late payments from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am formally requesting the immediate removal of these late payments from my credit report. It is essential that my credit history accurately reflects my financial responsibility, and the presence of these inaccuracies is detrimental to my creditworthiness. 

Enclosed with this letter, please find supporting documentation that substantiates my request for the removal of these late payments. I believe it is in the best interest of both parties to rectify this matter promptly and ensure the accuracy of my credit report. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the obligation of credit bureaus to conduct a reasonable investigation into disputed items. I expect your bureau to adhere to these regulations and expedite the process of investigating and removing these inaccuracies. 

I kindly request a written confirmation of the removal of the late payments from my credit report within 15 business days from the date of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally address my ongoing issues with Experian and their failure to comply with the Fair Credit Reporting Act ( FCRA ) Section 605B. For several years, I have been a victim of identity theft and fraud, likely due to security breaches and misuse of my personal information by individuals close to me. Despite providing Experian with the necessary documentation, including a police report from the XXXX XXXX Police Department and an FTC report, they have shown a persistent lack of action to resolve my situation. 

Experian informed me that I must submit a police report and FTC report to remove fraudulent accounts. However, rather than investigating these claims as required by law, Experian often closes disputes as " verified '' within a few days, disregarding the evidence I provided. This practice not only contradicts FCRA 605B, which mandates a prompt investigation and deletion of fraudulent accounts, but also indicates a troubling indifference to the plight of victims like myself. 

Despite having settled a lawsuit with Experian two years ago concerning their violations of the FCRA, they continue to exhibit the same troubling behavior. I have submitted numerous affidavits and supporting documents, yet Experian remains unresponsive, often reinstating fraudulent accounts even after they have been allegedly removed.

Recently, my attorney filed a lawsuit against Experian for their non-compliance, but even then, they have failed to take meaningful steps toward restoring my credit. Their negligence and the financial burden it has placed on me as a victim of fraud are unacceptable. It is disheartening to see that while they profit from inaccurate reporting, they neglect their legal responsibilities and the rights of consumers. 

I urge the CFPB to hold Experian accountable for their actions and ensure they comply with FCRA 605B. I expect to see all fraudulent trade lines deleted from my credit report permanently, along with any inquiries related to these accounts. The ongoing discrepancies with my Social Security number and addresses must also be addressed to ensure accurate reporting. 

The systemic issues within credit reporting agencies must be rectified to protect consumers from further financial hardships. I appreciate your attention to this matter and hope for a swift resolution.
Product: Credit card or prepaid card

I purchase sofa bed from XXXX using business credit card. The sofa bed was broken frame under seat cushions broken within 1 week. Maufacturer denied return nor exchange while their return policy is 180 days. I did send copy of XXXX return and policy to Chase credit card. We purchase on XX/XX/19 and bring it back to XXXX for return on XX/XX/19. 
I file dispute with chase credit card on XX/XX/19 and they said that they send out notice to me on XX/XX/19 to get more information but I have not received any notice, then I miss phone call from customer service, he left me voicemail to call him back but I keep call back and left him voicemail but I have not received any call back. Here is the number I got from my voicemail XXXX ext XXXX. After that I received a letter from the bank state that they have been investigate and consider the transaction is valid. I did not put in dispute due to transaction is not valid, my dispute regarding the item that I purchase is defective and can't exchange. I did ask to re-open the case again because when I spoke to customer service he said that dispute department need more detail information on how is it damage and some proof that when I send request to re-open the case I did send copy of XXXX return and exchange policy, also detail explain how is the item broken and damage. Chase credit card did not bother to send my dispute and inquiry to the merchant request explain from merchant regarding customer dispute on the charge. Instead of doing that they hurry up close my case without any explain to customer. I feel like I don't get protect as customer, I feel like chase card don't have any responsible to help out there customer. If I can handle that matter with XXXX   where I purchase merchandise, I don't need help from my credit card company to protect consumer right. Chase card dispute department really don't care about their customer right.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate tis account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX Account Number XXXX
Product: Mortgage

Greentree/Ditek have been loosing paper work not uploading it and saying they can not do HARP mods but can do in house. I am XXXX a XXXX vet XXXX my wife passed two years ago cutting my income in half. They say they are trying to help but there actions show othrreise. They continur to charge late fees and when I pay they apply to late fees generating more fees. I am at 8.75 % and they want to keep me there. I have had an on time payment history for 10 yrs till my wife died I spent down my savings know the would rather foreclose brcause its better fit thrm so put a ,XXXX year old vet in thr strret
Product: Credit reporting or other personal consumer reports

My XXXXedit score decreased XXXX XXXX due to my SSN being compromised on the dark web.
Product: Debt collection

Received collection letter from Online Information Services XX/XX/ for a " debt '' they bought or acquired that is a COMPLETE SCAM! I knew I owed no such bill, and required them to send me their documentation of an original creditor. They sent some ridiculous fake documentation of a " provider '' I have never used, and have never even heard of. They dropped this fake debt on my credit report also, which is now in dispute. I had already been in communication with Online Services, and implored them to do due diligence and research this false matter. I can not believe collection agencies can just report false information to credit bureaus, and it immediately drops your credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX / XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX 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 instructions15 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.