23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

A couple of years or so ago, I attempted to understand better how to make principal-only payments on my student loans that are handled by Navient. After a lengthy conversation with the service representative, I was told that there is no effective way of making a principal-only payment even in the means by which the  Navient  website describes. The only recourse was to submit a special  XXXX  spreadsheet with a specific date and amount that was designated for principal only, and mail was the only means to accomplish this task.     Because of these obstacles, I chose to continue paying my student loans via the regular way provided conveniently on the Navient website which allows for easy auto payment, but not much else. Even when I would make several  XXXX  dollars extra in payments per month to try to have extra money count towards principal, only about  XXXX  % would be applied to principal, again, with no way of effectively directing the payments as I desired to pay off my loans in accordance with the advice of every  financial advisor I h ave spoken with ( i.e. pay extra towards principal whenever possible ).     Their tactics of making the principal-only payment so prohibitively bureaucratic are obvious and they do nothing to help me or my family be debt-free any sooner than Navient can keep us from doing so. Please help me, so I can pay off my debt.
Product: Credit reporting or other personal consumer reports

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 adverse item of information, other than records of convictions 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.

I will attach a copy of my credit report showing inconsistent / inaccurate information throughout my credit report. 

Account Name ( 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Because of the inconsistent and inaccurate information reported on my credit report I can not purchase a house for me and my family, I can not buy a new car to help me travel to and from work or appointments, and/or I can not apply for credit cards. The inconsistency of items throughout my credit report have to be accurate, timely, and consistent. I have filed reports with Identity Theft.gov, XXXX, and numerous other agencies regarding XXXX, XXXX, and TransUnion. I have asked for investigators names and have not received the information from either credit bureau regarding the items on my credit report. 

Delete all items above from my credit report.
Product: Mortgage

To Whom It May Concern, I am writing to file a formal complaint against Chase Bank regarding the excessive delays and repeated documentation requests in the processing of a mortgage assumption application. The original application was submitted on XX/XX/XXXX, and since then, Chase Bank has requested additional information on the following dates : XX/XX/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 

Throughout this process, the representatives at Chase Bank have exhibited incompetence, providing little information and often conflicting updates. On XX/XX/XXXX, Chase Bank made a counteroffer that required the payoff of two accounts as a condition for moving forward. This condition was met promptly by the borrower, with the accounts being paid off and verified, and the corresponding documentation sent to Chase Bank. Despite these efforts and the completion of the counteroffer conditions, Chase Bank subsequently issued new requests for information that had already been provided. Furthermore, there were delays in the process due to requests for documentation, such as paychecks, that were dated after the request was made, adding to the confusion and frustration. 

It is apparent that Chase Bank has demonstrated no sense of urgency, fiduciary responsibility, or commitment to customer support throughout this process. The bank 's representatives have failed to make the process understandable or clearly communicate what is truly needed from the beginning. This lack of clarity and support has compounded the delays and added unnecessary stress to the borrowers. Additionally, Chase Bank has performed a hard-pull on the borrowers ' credit four times each, further impacting their credit scores without adequate justification or explanation. 

It is important to note that both borrowers have experienced improvements in their financial situations since the original application, and the borrower has a flawless payment history with Chase Bank, never having missed or been late on any mortgage payments. 

The repeated delays and requests for updated documents have placed an undue burden on the borrowers and seem to reflect a pattern of procedural inefficiency. As a resolution, we seek the immediate completion and closure of the mortgage assumption loan under the agreed-upon terms. 

We request the CFPB 's assistance in ensuring that Chase Bank resolves this matter expeditiously and adheres to fair and transparent lending practices. 

Thank you for your attention to this matter. We look forward to your assistance in resolving this issue.
Product: Checking or savings account

I called chase and told them that my account has been stolen and my cards was lost, and as I tried to login the username and the password has changed, the email and phone number has changed as I told them they told me that my account has been closed and has no more account with them as its been restricted and they said that I will have no accesss to it
Product: Checking or savings account

I have info on a company that is being swept under the rug. I have searched for info to submit a complaint on the XXXX  website, but after reading the current complaints, I am not the only person going through this plus nothing is being done. This company needs to nationally be called out for it's fraud. I bank with credit karma. I received a direct deposit and they locked my account. No fraud, no nothing. Turns out, I am not the only one that has a complaint on this. They are not a credited XXXX company, which o didn't know. But they are apparently taking people 's money and never giving it back and telling us all that there is no department to contact via phone, only by email. They never return your emails or follow up on why your money is locked. This issue is causing a lot of people to become homeless, jobless, and behind on bills. I will be glad to give you all the info you need to put this company on blast so that we can make them speak and return our funds. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset with the car 's. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a coronavirus pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of this immediately. There has been information published on a consumer report that I never gave either company ( XXXX, XXXX, Equifax & XXXX XXXX ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. The companies in question for the alleged debt are as follows : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX  XXXX  4 ) XXXX/XXXX  5 ) XXXX
Product: Credit reporting or other personal consumer reports

Equifax is incorrectly reporting the following : Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I, the consumer and natural person recently reviewed my credit report and noticed some unauthorized accounts on my consumer report. Under 15 USC 1681a ( 3 ), you Experian assumed this role without permission and thats not the only thing, without having my consent, you did not respect my right to privacy which is a violation pursuant to 15 USC 1681a ( 4 ). You did not exercise your grave responsibility, and you were unfair and you were partial! I decided to file a CFPB report and also a complaint with the attorney general. You never had a permissible purpose to furnish. Under 15 USC 1681b ( 2 ). I never instructed Experian to furnish this information and I never consented to this report in the first place. 



I am very disappointed to have found these violations on my consumer report. It troubles me to know that you relied on my ignorance to think that I would not recognize the violations being committed to not only me but countless other consumers as well. 

Before you respond and say that these companies have provided you with information showing that I gave them consent to place and inquiry on my account or telling me that inquiries on to be on my report for 2 years for employment purposes that has nothing to do with having my consent to furnish the information. I dont want this information shown on my report. It is nobody 's business about what I inquire about in my life. Especially if I did not receive any type of service regarding the matter. You all do not investigate anything you just take the company 's word for it and furnish it without receiving any type of validation from me. How is that lawful or even fair? 



As a consumer, natural person protected by the FDCPA Title 15 Chapter 41.

Pursuant to 15 USC 1681s-2 ( b ). Please validate, NOT VERIFY this information with the companies provided on a separate page and provide me with the documentation from any of these accounts bearing my signature, authorizing an inquiry.

I also demand Experian to produce a contract between you and I, the consumer and natural person bearing my signature showing that I gave you the permission to furnish this information on behalf and you didnt just ASSUME the role according to 15 USC 1681a ) 3 ). 



I formally demand that all inquiries listed be removed and blocked from my consumer report that you maintain under my social security number! You are required to do what I am asking and please note that you have 30 days from the date of receiving this notice to complete the investigation as per the FCRA Section 611. 





Best Regards, XXXX XXXX XXXX XXXX XXXX in good faith. Without prejudice. All natural inalienable rights reserved. 







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
Product: Credit card

i was issued a XXXX credit card for Home Projects from Wellsfargo Financial & XXXX took the card for {$35.00} for them to come out & measure for flooring but when i i picked my flooring & went to pay it was declined so i called & i was told that XXXX, XXXX XXXX were not on their list. 
i was told to go online to find home improvement stores that was on the list but i could never find it! i have never received a statement from them but i paid the {$70.00} on XXXX XXXX. by phone & now they say that i had a {$40.00} payment due on XX/XX/XXXX. i would like to be able to use the card but i don`t understand why a company as big as Lowes do not take this card!! something wrong somewhere! now they have added a late charge & i don`t know what i owe for! 
can you please give me some answers about this credit card? 
Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the fair credit reporting act XXXX  Account XXXX, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was having installment payments withdrawn from my banking account by the original creditor ( CITIBANK , N.A . ) concerning debt in question. 
Citibank , N.A . has unethically, unfairly, and fruadulently reported unwarranted debt information to XXXX XXXX XXXX concerning my account.
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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 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: Checking or savings account

My tax returns went to another account at Chase Bank, they have recognized and acknowledge this but has done nothing to return my funds as they said they will. there was a partial investigation and it revealed that the account names didn't match but for some reason instead of returning the checks to the IRS they let the funds pass to this unknown person. I don't know who this person is but Chase bank does. For the last couple of years they have been giving me the run around by getting Police reports, letters and even contacting there escalation department and going thru circles. From my understanding this person may still be receiving funds that were meant for me. I know Bank rules if account name doesn't match then those funds are suppose to be returned to sender. Chase bank failed in its fiduciary duty and knowingly allowed someone else to receive money that they knew was not theres and Chase is protecting this person which I can not understand
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a chapter XXXX bankruptcy filed in XX/XX/2013. There was an inaccuracy in the filing. I have requested the chapter XXXX be removed from my report multiple times. It has been removed from XXXX  and XXXX but is still on my Experian report. I would like for it to be removed from my Experian report.
Product: Money transfer, virtual currency, or money service

XX/XX/2020. Amount : XXXX US dollars. PAYPAL payed for service that i never received. Ask for money back but Paypal said no. XXXX Visa Debit Card VISA Debit Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 

Exchange rate {$190.00} USD = {$240.00} CAD 1 USD = XXXX CAD Transaction ID XXXX Sent to XXXX XXXX XXXX Note friends and family Details Sent to XXXX XXXX {$230.00} CAD {$180.00} Fee {$13.00} CAD {$10.00} Total {$240.00} CAD {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the FCRA, XXXX XXXX Account # XXXX and XXXX XXXX  Account # XXXXhave violated my rights.

Law 15 USC 1681 section 602 A. States I have the right to privacy.

Law USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written consent, which I have not given.

Law 15 USC 166b. Staes a creditor may not treat a payment on a credit card aaccount under an open en consumer credit card plan as late for any reason.

Law USC 6802 Obligations with respect to disclosures of personal information.
Product: Debt collection

During the height of the pandemic I received multiple calls every week for months about this debt. I did not know that the laws of my state at the time and that the statute of limitations were changing from 6 years to 3 years. I had reached out to the company in XXXX of XXXX I reached out to the company to inquire about the debt. Since then this company has updated my payment history on each reporting agency. They've added that I made a payment on XX/XX/XXXX. This is a violation of my rights. I believe the company is attempting to reage the account and extend the time it stays on my report. I have asked for verification of debt and have received copies and letters with an address that I have no record of. I moved to my current address in late XXXX. The address on the letter from the original creditor does not match my current address. 

This company provided a letter from the original creditor dated in XXXX which I never received and it was not mailed to my address. Besides calling me constantly in an attempt to restart the statute of limitations on this debt, this company has provided inaccurate information on my report and is updating my report every month as an open account with a past due balance. A collection is already past due. I never made a payment and it is reporting as a payment was made or scheduled. I want Portfolio Recovery to be investigated for their practices, provide when was I contacted initially about the debt. I am required to have an accurate reporting and the update every month has caused new employment opportunities. 

This account has passed the XXXX in my state of NY which is 3 years. According to the records on file the original creditor sold the debt to Portfolio Recovery sometime between late XXXX to early XXXX. This account is passed XXXX. 

Please remove from my records for inaccurate reporting