23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a Chase XXXX credit card with a {$190.00} annual fee. I never utilized the card or made a payment and promptly closed it. However, Chase is still requiring me to pay the annual fee. I called them today and the representative advised that, even though I never utilized it or made a payment, their policy is continue to hold the consumer responsible for the fee. I asked if there was someone else I could speak with about this. Their representative told me that everyone on the team was a supervisor and, while she could transfer me, I would be told the same thing.
Product: Student loan

Hi, I understand Navient was recently sued. All the loans I had were part of the stated lawsuit. Coincidentally, I paid off my loans the same time the court filings came to a decision. I would like to know the below. 

1 ) Will I get reimbursed all the outstanding interest they charged me for, though I had made all the required payments on-time. This misallocation had repeatedly caused the outstanding interest for all my loans of which I've inquired about multiple times when I first started to pay for my loans. 

2 ) Originally when my loans were transferred from XXXX to Navient, they were all lumped together. I was told by Navient, if I took charge of my loans and separately paid them, I could prioritize to pay off the higher interest loans first, which would help pay off the loans faster. However, because of the change, they told me I had to partially stop and re-setup payment which cancelled out my Interest Rate Reduction discount that was a benefit given for making continuous on-time payments for a few of my loans that was affected. The discount was never reissued back to my loans, when I haven't stopped paying my loans. Navient 's process forced me to stop paying my loans and lost the discount benefit when this could've been resolved by an internal calculation correct on their end. I would like to know if i will be refunded what the discount would have covered. I've continuously made non-stop payments, which was supposed to requalify me for the discount that i never saw and I have inquired about this before through CFPB, whom did not follow-up on my previous inquiry from the feedback section.

3 ) My loans had a benefit that noted the lender was supposed to take care the last 6 payments of my loans, which I felt the terms and conditions had changed. This benefit never kicked in. Navient doesn't review their loans thoroughly. I ended up paying off the loans myself. 

Overall, I feel that Navient is not managing their loans well enough. More importantly, I wished the loans were never transferred to Navient because I feel that Navient tried to find ways to eliminate benefits that were originally part of the loan terms to begin with. Unlike XXXX and any other bank or loan lender, the company didn't send any annual statements at the end of the year explaining the payments that had occurred. Hence the lack of documentation gave Navient every opportunity there was for borrowers to not see the changes they were making. Please help investigate and follow-up with the above bullet points. Thank you.
Product: Student loan

PsIf/borrowers defense My student loans which were from XXXX XXXX XXXX XXXX XX/XX/XXXX were discharged under PSLF underneath the Biden administration however I was then informed via email that they were discharged would be discharged under borrowers defense the XXXX XXXX XXXXXXXX settlement so now they're not showing on Mohela, which is my servicer and they are saying they have no idea about my borrowers defense I should be getting a refund underneath borrowers 's defense because my loans from XXXX XXXX XXXX XXXX were garnished well offset back in XXXX for {$5700.00} and according to my borrowers defense approval I should be due that refund.
Product: Student loan

Several Federal student loans with furnisher Fedloan Servicing are being reported as late although loans in general forbearance where by law no payments were not required/delayed for during that timeframe. The negative information is being reported to all XXXX major credit bureaus. I have disputed this inaccirate information numerous times only to have it returned as verified. It is my understanding tbat that FTC laws requires the creditor to report and update accurate information. This furnisher refuses to update my file.
Product: Student loan

So after I graduated, XXXX XXXX sent me to " XXXX XXXX XXXX  '' who signed me up with a fraudulent company called " Equitable Acceptance '' who do consolidations for XXXX XXXX at no cost to them but charged ( unbeknownst to me and my father ) me over {$1000.00} to do consolidation paperwork. we were told nothing other than we had to pay a {$50.00} consolidation fee. We were not told that we would owe them over a grand just to do paperwork. It is so sad that the federal government that is supposed to have its citizens backs supports the likes of this scam company. I was very proud to be the first member of my family to graduate college and now it is one of my biggest regrets as i am over {$100000.00} in debt and have no end in sight of paying that off. My future children will not fall into the trap that is the American education system. Our government has let me and my family down on this one and i am deeply disappointed and bitter about this. PLEASE PLEASE PLEASE do NOT let anyone turn your loans over to either XXXX XXXX XXXX  or Equitable Acceptance as they are both nothing more than scams.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company keeps calling after I have asked them repeatedly to stop calling. They are calling my phone on Sundays as well. XXXX XXXX. Unwarranted calls.
Product: Debt collection

These collections violates the HIPAA act. I didny authorize my personal medical information to be sent to anyone without my consent. I habent received 1 bill as my insurance has paid these amounts and they appear to be duplicate acxounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX    Experian  continues to report inaccurate negative items on my report that I have previously disput ed 6 ti me.They continuos to report account with no account number. Inaccurate information that is hurting my credit.
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate information on this XXXX XXXXXXXX account. This account is in litigation and this company has also been sued by the cfpb. 
Misled consumers about high interest accounts : XXXX XXXX illegally deceived consumers and XXXX XXXX, XXXX. violated the XXXX in XXXX XXXX by representing that XXXX XXXX provided a variable interest rate that was XXXX of the nations top, best, '' and highest, and would earn much more interest than the average savings account. 
Kept consumers in the dark to maintain a two-tier system : XXXX XXXXXXXX misrepresented to existing customers that its XXXX Savings account was and would be its only XXXX high-interest savings product with the features, terms, and conditions of XXXX Savings and obscured from those customers its newer, much-higher-interest XXXX Performance Savings accounts, which otherwise had all the same terms, conditions, and features of XXXX Savings. XXXX XXXX used XXXX Performance Savings to attract new depositors without paying existing depositors the interest they were promised. XXXX XXXX avoided paying more than {$2.00} XXXX in additional interest to millions of customers because of these actions. 
Enforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the Truth in Savings Act. It also has the authority to enforce the Consumer Financial Protection Acts prohibitions on unfair, deceptive, or abusive acts or practices. The CFPB seeks to stop XXXX XXXX  unlawful conduct, provide redress for harmed consumers, and impose civil money penalties, which would be paid into the CFPBs victims relief fund.
Product: Debt collection

XXXX XXXX I purchased an extended warranty loan for my XXXX XXXX XXXX which at the time had around XXXX miles on it. The company was through Line 5 LLC. I was not told what would happen if I cancelled the loan. 
XX/XX/XXXX, I traded in the XXXX XXXX and cancelled the warranty with Line 5. This is where a big mess begins. XXXXXXXX XXXX XXXX cuts them a check of around {$3500.00} and I am told by Line 5 I owe {$780.00}. Which makes no sense at all. 
I called Line 5 on XX/XX/XXXX and spoke to a XXXX XXXX, who was condescending and talked to me like I was 5 years old. XXXX told me I was not allowed to cancel the loan, which makes absolutely no sense. I shouldn't have to pay anything at all, I didn't even use the extended warranty while I had it. This seems like a scam to me. I do not get a clear explanation of what this {$780.00} is for.
Product: Credit reporting 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights according to the following 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 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is one of the 3 major credit reporting agencies, and utilizes my information ( without my consent ) that can have a dramatic negative impact on my life. It appears they failed to protect consumer information, and, when they were hacked, executives sold off stock before even notifying the public ( insider trading? ) of what had happened. The notification that they had been hacked and that about 50 % of the adult population 's information was at risk took more than a month, which is more than enough time for identity thieves to wreak their havoc. Furthermore, to even check to see if your information had been compromised, they required agreement to an arbitration clause. Equifax 's actions are disgusting, and clearly they failed in their duty of protecting people 's identifying information. They should be disbanded, executives jailed, and we as a country seriously need to look at how much credence we give not only to our credit reports but the use of archaic SSNs which are easy to steal and thus use to destroy someone 's life.
Product: Credit card

I have been disputing this fraudulent account for over a year with American Express, XXXX, XXXX, XXXX. American Express sends me mail stating that " I have used the card for personal use ''. All three credit bureaus deleted the account before but popped back up a month later as " Verified ''. Nobody has been able to show me proof of ownership of the account. I haven't signed for anything. I have made a police report as well as reported account to the FTC.
Product: Debt collection

During the time I was XXXX  ( XX/XX/XXXX-XX/XX/XXXX ), someone fraudulently submitted applications in my name to Capital One. Capital One sold the account to XXXX XXXX in XX/XX/XXXX. I have made several attempts and provided documentation to XXXX XXXX showing that I was incarcerated during the time of this application. The FCRA prohibits information furnishers from providing information to a car that they know or have reasonable cause to believe is inaccurate. Section 623 ( a ) ( 2 ). In addition, when any furnisher of information is notified pursuant to Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt.
Product: Vehicle loan or lease

Turned in my XXXX XXXX during XXXX on XX/XX/2020 per the appointment for inspection audit gave me while lease was ending on the following month ( XX/XX/2020 ). Did not want to lease another car but XXXX XXXX XXXX dealer said they will pay the last month lease of {$340.00} if I lease a new car with them which I did. They never paid the last month fee. I called Audi XXXX XXXX, Audi Financial and Audi XXXX group and still paid the balance out of pocket. As result I paid for two cars for the month of XX/XX/2020 as the sales person did not honor what they have promised us and I did not want my credit to be effected.
Product: Debt collection

This notice is my, required by law, demand to " cease and desist '' collection activities prior to validation of purported debt and you must validate the enclose_d claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; The name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 
The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental unit 's own funds that resulted in the enclosed alleged claim of a debt. 
The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. 
Be advised that verification is defined ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) as follows : " Confirmation of correctness, truth, or authenticity. by affidavit, oath or deposition ''. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. 
The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.

The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.

The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the. alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
Product: Credit card

Cerulean CC charging me late fees for payments made on the same date as due date. This card is also run by XXXX XXXX XXXX which I have recently disputed and now I'm getting charged late fees that are inaccurate and also causing my reporting to suffer.
Product: Credit reporting or other personal consumer reports

I have wrong names and adresses and also I have XXXX  accounts that I want Validated by law
Product: Debt collection

I have filed an identity theft report after reviewing my credit report and discovering I have been a victim of identity theft. This inaccurate and unfair report has affected my eligibility in buying a home. I have requested proof of validation and method of validation and have not been provided the appropriate documentation. This account needs to be removed immediately. Please view attachments.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of specific fraudulent accounts and inquiries from my credit report. I am a victim of a recent data breach, resulting in unauthorized accounts and inquiries on my report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit history. 
Fraudulent Accounts : 1. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} 2. XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} 3. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} 4. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$9600.00} 5. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$2000.00} Fraudulent Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

i had this account open back in XXXX  and it was in XXXX  and someone open the account without me knowing that i couldnt get account i was told it was in a collection agency and i filed a report with the agencey about its being fraud i even sent in a letter from attorney stating that i was in XXXX  from XXXX and i didnt know who use my info but i didnt open it they want a police report
Product: Mortgage

I Am Requesting An Itemized And Audit Report On My Account With XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX Because The Fund's That I Have Paid Is Not accounted For And My Account Balance Is Not Accurate
Product: Vehicle loan or lease

State employees credit union gave me XXXX to buy a car the car have engineers on the same day I bought the car and I asked the bank to cancel help me was not been done and in couple months the engine broke done. 
State employees bought me other {$13000.00} to buy other car i couldnt keep pay for the car the motor got bad. Im still making a payment for the XXXX and my credit card. 
The XXXX is though by accident the insurance pay off my bank. 
Im making my payments on my credit card and my car on time. 
The first car was charged off The second car will be paid full but I cant buy other car was denied by credit union My credit is freezing still I tried to remove negative things from my credit report Ex : I had 3 social security on my credit report Different names also. I need a help please
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the account that are still showing on my report. 
GM FINANCIAL XXXX creditor GM FINANCIAL LEASING XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed hard inquiries on my credit reports that I did not make. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, jpmcb - XX/XX/XXXX and XX/XX/XXXX. These were all unauthorized. Theres also a credit like with XXXX XXXX appearing on my XXXX XXXX report I also did not make.
Product: Debt collection

I request a order to show case after I received a ganishment notice by a company called Calvary Portfolio Recovery. I never Knew about this debt. after sowing to court and challenge the attorney to very the debt we got schedule to trial on XX/XX/XXXX, XXXX on XX/XX/2019, I express that the day they claim such credit Card was open I was traveling to XXXX XXXX XXXX 
The attorney Representing the Company Vacated The case however this debt still showing in my credit Report. 
Here is my Question this debt was not verify how can I get it verify or remove from my creit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted your company for advice on how to remove inquiries on my credit report. Your customer service rep advised me to send letters of credit removal to each inquiry, which I did costing over {$50.00} in certified letters to creditors with no resolution. Inquiries were for auto and rv loans made within 2 weeks of each inquiry. 4 inquiries for each loan application appear negatively on my credit report which should only appear for 2 each according to your terms and conditions. I am requesting for these additional inquiries to be removed according to your terms and conditions.