23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient Account Student Loan 1 High Credit {$15000.00} paid in full Student Loan 2 High Credit {$16000.00} currently on time Total account XXXX Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 

They report 95 % This is not correct. The limit was XXXX. The debt to income ratio should be reported at 45 %.
Product: Student loan

6. I have been contacting Navient from XXXX to XXXX to have the 90 day late removed, due to negative handling of my account and I have constantly been giving the run around 7. Navient has NOT investigated any of my claims, because I continue to request proof but none has been sent to me form Navient. Even after I have sent my proof to them. 

8. I just received a response after filing a complaint, finally. I was asked to submit any example of the types of communications I was receiving from Navient before my " past-due statue ''. " Past-due statue '' is the words being used by Navient to prove there point, in there recent letter. I wish they used the same verbiage " past-due statue '' before they labeled me 90 days delinquent. Instead, I was being sent misleading Information, with verbiage like due date. I feel Navient actions at the time where very misleading and over all damaging. I have attached an example of the types of emails I was receiving at the time. Enclosed. 

Also, I did give reference to these emails in my original complaints to them, but not addressed by Navient.
Product: Mortgage

I applied for HELOC loan on my home in XXXX XXXX CA. with Chase Bank. I 've lived in the home for 19 years. My XXXX score when I applied was XXXX, I owe on the property XXXX. The appraisal of the house came in at XXXX which Chase gave me. My income is {$13000.00} a month which was verified. My loan to Value on the home is less than XXXX %, The requirement was could get an amount on the HELOC up to XXXX % of the value of the home so I could of applied for more than XXXX. I only applied for XXXX. The XXXX requirement was must be over XXXX. I was declined with no explanation then after inquiring and phone calls, I was then told verbally the reason I was declined was because my XXXX mortgage has a balloon payment at the end that is due XXXX. This is not relevant in that HELOC expires after 10 years which would be 2026, so I would n't have the HELOC at that time. I also explained that I make additional payments to my loan and that the balloon payment is greatly reduced because of that. I was asked what my demographic was for data purposes. I contacted Chase bank supervisor after decline to re-evaluate and tell me a valid reason and there was no courtesy of a response to my concerns. I have since gone to XXXX XXXX bank and it was a slam dunk approval and verification within 2 weeks since I met their criteria which actually had higher standards. I exceeded all of Chase banks requirements. The other requirement was 24 months of pristine perfect payments which I have had for many more years beyond that in the 6 year range.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed several hard inquiries that I did not recognize. Having mailed my request for validation on XX/XX/XXXX, I have received no confirmation from Equifax with verifiable proof that I provided any written consent to report these unconfirmed inquiries. They are as follows : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Inquired XX/XX/XXXX Equifax has violated my rights to privacy, and per the FCRA, I am now opting out of any and all authorization, written and non-written, verbal and non-verbal, per 15 USC 6802. I was granted no Pre-screening Opt-out notice and per 15 USC 1681 ( b ), any consumer reporting agency may furnish a consumer report in accordance with a WRITTEN request by the consumer to which it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX Balance : {$6200.00} XXXX XXXXXXXX Balance : {$4600.00}
Product: Credit card or prepaid card

I have a credit card issued by " The Children 's Place '', which is overseen by Commenity Bank/Bread Financial . On Saturday, XX/XX/XXXX, I received an email stating I had a past due balance of {$6.00}. I checked my account with this card, and the online statement relfected I paid this account in full in on XX/XX/XXXX. However, I was charged a " minimum interest charge '' on XX/XX/XXXX, in the amount of {$2.00}. On XX/XX/XXXX, I was charged a " late fee '' of {$2.00}, and another {$2.00} again on XX/XX/XXXX for a " minimum interest charge '', and total of {$6.00}. I called the tollfree number and the representative with Commenity Bank/Bread Financial said `` no problem '' and would correct my account. However, these negative actions greatly affect my credit report rating. There in no way to contact someone with Commenity Bank/Bread Financial to express my concerns about the credit rating, as the telephone representatives are foreigners and do not understand when I try to express my concerns. I hold Commenity Bank/Bread Financial responsible for a fair credit report on my credit file and want it corrected immediately. As of today, XX/XX/XXXX, my account statement reflects a credit balance of negative {$8.00}. I dont understand I went from being past due of {$6.00} to a negative balance of {$8.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Citi/CBNA Amount Owed : {$290.00} Date Opened : XX/XX/2014 Date Closed : XX/XX/2014 I never opened this card with CITI/CBNA. I disputed this on XXXX XXXX three months ago and still havent heard a response.
Product: Debt collection

DIVREC SRVC ( Original Creditor : 09 XXXX XXXX ) XXXXUnfair XXXX    XXXXUnfair XXXX XXXX XXXXUnfair XXXX XXXX XXXX   XXXXUnfair The following accounts were disputed directly with the credit bureau and is not reporting accurate information.

I have not gotten any verification of ANY of the above debt.
Product: Student loan

Since XX/XX/23 I have been calling Department of Education, XXXX, and MOHELA to accurately report that MOHELA purchased my loan and that my Department of EdXXXX XXXX XXXX paid in full/transferred. To date, MOHELA has hung up on me, refused to accurately and fairly report the change of loan servicer, and told me to go back to XXXX who per The Dept of Ed Ombudsman can not fix the issue. It MUST be reported by MOHELA. 

This action is doing REAL physical and psychological harm to me as an individual. I am at risk of losing the home I live in because the landlord wants to sell the property and I can not purchase it with this erroneous and illegal reporting on my record making it appear that I owe {$130000.00} on my student loans instead of {$68000.00}.
Product: Mortgage

Payments received by Cardinal Financial and has not applied it to the payments. Still reflecting Im behind over {$7000.00} when the payments were sent. Cardinal Financial has denied receiving the payment since XXXX XX/XX/2022. They asked for the payment check number and still applied the amount. The checks were cashed. check # XXXX to Cardinal Financial Company sent XX/XX/2022 posted XX/XX/2022 for {$880.00} check # XXXX to Cardinal Financial Company sent XX/XX/2022 posted XX/XX/2022 for {$5500.00} check # XXXX to Cardinal Financial Company sent XX/XX/2022 posted XX/XX/2022 for {$880.00} These payments were for XX/XX/XXXX, XX/XX/XXXX and the rear amount. 
Its frustrating when this has been going on for months and all the while the payments were received by a mortgage business. 
They responded to previous complaints as if I was harassing them, when in fact they have not applied the checks.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiry listed below from my credit report. I am a victim of a data breach, and this information does not belong to me. Under XXXX XXXX. XXXX ( a ) and FCRA XXXX ( b ), you are required to block and remove these items upon receiving this request. 
Fraudulent Account : XXXX XXXX - XXXX - XXXX - {$1200.00} Fraudulent Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I would like to appeal this result and see no way to do that through your website, which is why I reached out to the CFPB. 

Per federal guidelines, I am requesting this credit because of false advertising. I have a credit slip and I have lots of documentation. Bad service and service not rendered are eligible reasons to dispute a charge, even though I willingly made the purchase. The Fair Credit Billing Act gives me the right to dispute charges in case I am dissatisfied with the transaction through a process called Claims and Defenses. I contacted the merchant multiple times ( as shown in my evidence ) and we were unable to come up with a reasonable resolution, which is when I reached out to you at Citi. I attempted to resolve the issue over several days in good faith, she offered me only my security deposit back ( which I was already entitled to, less {$50.00} for a damaged pillowcase that I didn't know about ) despite the fact that the pool and hot tub did not work for the entirety of our stay ( among other things ). 

There was no way for me to know the home was in disrepair until I stayed in the home- I even purchased two extra nights in an effort to avoid something like this and to give the owner ample time to fix the issue. She did not. I'm surprised that as my credit card servicer, that you aren't on my side here. 

I have also submitted complaints to the attorney general in Arizona and Texas ( where the businesses are registered ) and the XXXX  in an effort to try to resolve this reasonably with the merchant and they have refused to respond. 

So again, there is no clear way to appeal, and I would like to appeal immediately. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Capital One for reporting inaccuracies across all three major credit bureaus : XXXX, XXXX, and XXXX. These inaccuracies include erroneous account statuses, balances, and other critical credit information that fail to reflect my actual credit history. 

XXXX of Inaccuracies : The errors were identified during a credit report review on XX/XX/2023. 
Initial Dispute Actions : Formal dispute letters were sent to Capital One on XX/XX/2023, for each credit bureau, challenging the reported information and demanding compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 
Nature of Discrepancies : The disputes involve inconsistencies in reported account statuses, balances, and dates of activities for the periods of XX/XX/2023 and XX/XX/2023. 
Lack of Adequate Response : As of XX/XX/2023, Capital One has not provided satisfactory responses or resolutions to these disputes. 
Impact on Credit Score : These reporting inaccuracies are negatively impacting my credit score and financial opportunities, causing undue stress and potential financial loss. 
Repeated Resolution Attempts : Despite multiple attempts to resolve these issues directly with Capital One and providing a 30-day window for investigation and correction, the inaccuracies remain unaddressed. 
I am now seeking the CFPB 's assistance to ensure that Capital One corrects these errors across all three credit reports and adheres to FCRA and XXXX XXXX reporting standards. The ongoing inaccuracies in my credit reports are causing significant harm to my financial standing.
Product: Credit card

Over paid my credit card and created a credit balance on my card. I requested a credit balance refund check on XX/XX/year>. I used chat to check on status on XXXX and was informed my refund was in review. I called again on XXXX as that is 7 business days from my request and was informed the review could take 30 days. I requested them to escalate the review and was informed it would be 2-3 more business days and then another 5-7 for mailing.
Product: Credit card

I Recently purchased a refurbished XXXX beats laptop from Sears.com using my Sears credit card. i received the laptop with a password on it. i called sears the next morning and told them that i had received it this way, and they told me that i had to call XXXX and register the laptop with them. I tried to explain to the rep that THE LAPTOP WAS LOCKED, and she then told me to give her a minute so that she could speak to a manager about it. she came back saying that she had to call the sellers of the laptop. i waited approximately 5 min before she came back to me saying that they were n't answering. I then told her that i all i wanted was a return label, and a refund she told me that she would speak to her manager again about the situation. She came back saying that she would send me a label. i waited 3 days to receive an email. i never did so i called back and they said they had to file a claim with the seller, and that they would do it for me. a few days later i received an email stating that they were n't going to take it back due to their no return policy. i immediately called sears and they transferred me over to the claims manager whom told me that she would again contact the sellers. I just want a return label for the laptop i no longer want it. its taken almost a month and still no solution
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Fl XXXX XX/XX/XXXX XXXX, XXXX and Transunion, dispute department XXXX XXXX XXXXXXXX, XXXX, TX XXXX. 

Re : Dispute of Account # XXXX XXXX Dear XXXX, XXXX and XXXX I am writing to dispute the accuracy of the information on my credit report. Specifically, I would like to dispute the account referenced as # XXXX XXXXXXXX, with the creditor XXXX 

I believe that this account contains inaccurate information, and I request that you investigate and correct it in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws. I am disputing this information based on the following reasons : 1. Violation of Privacy Rights : According to the FCRA, specifically 15 USC 1681 Section 602, I have the right to privacy. Section 604 of the same Act reinforces this right. The creditor in question has violated my privacy rights by reporting this account without my written instruction, which is expressly prohibited by these sections.

2. Late Payment Inaccuracies : Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. I believe that there may be inaccuracies in the reporting of late payments related to this account.

1- innacuraci in Account number ; in Transunion is reported as XXXX diferent that in XXXX and XXXX XXXX 2-inaccuracies in acount status : In Transunion is reported as closed diferent that XXXX and XXXX is reported as paid 3-inaccuracies in date opened : In Transunion is reported opened XX/XX/XXXX, XXXX and XXXX is reported XX/XX/XXXX 4-inaccuracies In number of moths ( terms ) line : transunion and XXXX has reported 24 months, XXXX has reported 0 months 5-inaccuraciesIn payment status : Transunion has reported current XXXX has reported Late 30 days XXXX Has reported Current 6-inacuraci in las reported day : Transunion and XXXX has reported XX/XX/XXXX XXXX XX/XX/XXXX 7-inaccuracies in comments : Transunion and XXXX has reported as closed 8-inaccuracies in last day active : Transunion has reportedXXXX XXXX and XXXX XX/XX/XXXX 9-innacuarqci in date of last payment, Transunion and XXXX XX/XX/XXXX XXXX has reported on XX/XX/XXXX XXXXinaccuracies on the month of reporting 30 days late : Transunion and XXXX report 30 days late In XX/XX/XXXX and XXXX has reported in may 2023, 10 diferent inaccuracies between trans union XXXX XXXX and XXXX, credit report agencies I kindly request that you investigate the accuracy of this account, including the late payment reporting, and take the necessary actions to correct any inaccuracies in my credit report. 

I understand that you have a legal obligation to investigate this dispute under the FCRA. Please provide me with the results of your investigation and any actions taken within the required time frame. 

Please note that I am making the same dispute with XXXX, XXXX, and Transunion, and I expect a thorough investigation from all three credit reporting agencies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Amount of debt : {$1500.00} Date of Service : XXXX XXXX Provider of Service : HCA Florida XXXX XXXX XXXX To Whom It May Concern, I received a bill from you on XXXX XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from HCA Florida XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ) to protect my privacy and medical records from third parties. I do not recall giving permission to HCA Florida XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
Product: Debt collection

I was misled by this company ( Performance Settlement ) and cancelled my debt consolidation program on XX/XX/2018 since I was not being informed of my debt status or any details on my account after requesting updates. Was promised full refund less {$55.00} processing fee. Never received after several inquiries and company could not verify amounts, only re-initiated the cancellation on XX/XX/XXXX and again on XX/XX/XXXX. Refund still not received so I disputed all 3 deductions from my XXXX XXXX bank account. My bank provided the provisional credits then ran the 3 amounts back through on XX/XX/XXXX and XXXX only notifying me of one of them. I received a check refund from the company for {$520.00} on XX/XX/XXXX but had paid them {$970.00}. No explanation on check stub or breakdown of where the additional refund may be and now company not returning my calls. My bank acct is overdrawn and states the disputes were reversed since company provided them the proof of agreement to pay. My bank was to mail me a copy of the dispute paperwork twice since XX/XX/XXXX and I still have not received it. Ive been scammed and can not re-dispute the charges of XXXX ( 3 times by ACH ) at my bank. I also incurred {$140.00} in bank fees for the 1st disputed payment and had to pay that back as well. Please help me make this right. I am owed {$440.00} from Performance Settlement less the {$55.00} fee which I also do not feel I should have to pay since their dishonesty and broken promises still are not resolved. Thank you.
Product: Debt collection

On or about XXXX I did open a credit account with XXXX XXXX XXXX and the credit limit was around about {$500.00} I did maintain this account up until XXXX, XXXX where as because of hardship I was unable to pay a minimum payment so a little over one year later because of my non payment I became delinquency on or about XX/XX/XXXX this debut is suppose to be removed last year but has not been the company that is re aging this debut is named Portfolio Recovery Associates.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I remitted notice to the consumer reporting agencies XXXX EXPERIAN & XXXX and the individual company 's furnishing our account details as follows : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Remove the transactions and experiences between me and your institution from all consumer reports in compliance with 15 USC 1681a promptly. The Privacy Act of 1974 prohibits the current malpractice conducted by consumer reporting agencies regarding my personal matters.
Product: Checking or savings account

On XX/XX/XXXX, at approximately XXXX hours, I encountered a deeply frustrating and distressing issue with an ATM at XXXX XXXX XXXX  located at XXXXXXXX XXXX XXXXXXXX in XXXX, AZ. While attempting to deposit {$610.00} in cash into my Discover checking account, the ATM malfunctioned egregiously. It accepted the cash, allowed me to confirm the deposit, and then immediately retained both my debit card and the cash, issuing a receipt that inexplicably stated the transaction was incomplete. 

As a member of the military, who has dedicated my life to serving and protecting my country, this situation is particularly disheartening. The added stress and inconvenience of dealing with this malfunction and the subsequent bureaucratic runaround is both demoralizing and unacceptable. 

I have reached out to XXXX XXXX, who have verified their ATM 's cash count and acknowledged the exact discrepancy matching my deposit, yet they refuse to refund the money directly. The funds are trapped in a general ledger, awaiting action from Discover. Discover, in turn, has stated that because the transaction never formally processed, there is no way to initiate a claim or dispute, despite the receipt and XXXX XXXX 's confirmation. 

This situation has left me without my {$610.00}, caught in a frustrating limbo between institutions. The lack of a straightforward resolution or accountability in handling my case is profoundly disappointing. As someone who serves my country, I expect a higher level of efficiency and respect in resolving such issues. I urge the involved institutions to address this matter with the urgency and seriousness it demands. All I am asking for is the return of my {$610.00}.