23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for a student loan with XXXX XXXX in XX/XX/2006, which was only supposed to be a 5 year loan. The length of the loan has doubled, because they continuously sell the loans to new institutions, causing it to restart. Currently the loan is now with Navient, and for some reason they have managed to divide my loans into several mini loans, which I assume results in me paying extra in interest. Also, my primary issue with this institution is the fact that they have reported my 30 day late payment which was caused by them, as a 60 day late payment. Last year, my loan was with XXXX, and I had my account setup in a manner in which the payment due would be automatically drafted from my account. I then received a letter stating that my loan was being sold to Navient. However, I did n't realize that the auto drafting of my account would no longer be in place. I received a call from a Rep, stating that my account had a 30 day past due balance, a well as a current balance. As a result, I explained the situation and immediately provided payment to the Rep to take care of the past due amount.I also made arrangements to draft the remainder. Instead of applying the first payment to the past due amount, they applied it to the amount that was currently due, and never drafted my account for the remaining balance. As a result of this, I had a 60 day past due balance, which they reported on my credit report, which absolutely does n't make sense to me. I 've spoken to them and even had the call escalated, but they refuse to make adjustments despite them clearly making a mistake.
Product: Credit card or prepaid card

On XX/XX/XXXX I called American Express to cancel a flight I had booked through their travel website. The flight cost {$7300.00} for XXXX travelers. This flight was cancelled because both of the passengers contracted XXXX and got positive tests the day before the flight ( the XXXX of XXXX ). I purchased the " Gold travel protector '' through Amex that was XXXX to protect this flight in the event that this would happen. This protection would cover me in any circumstance, especially with a XXXX XXXXXXXX test. On XX/XX/XXXX Amex customer service on the phone let me know that the flight was successfully cancelled and that I would be refunded to my original payment method. However, I received an email right after this phone call that said " Your flight is cancelled and you will receive flight credit ''. This is NOT what I wanted and not what we agreed to on the phone. I called back crying hysterically and talked to another customer service agent that told me " this is how it processes, we have to refund to credit with the airline first then the airline will refund to Amex and then we will refund you '' ... something along these lines. I know 100 % certainty that these calls were recorded and you will hear the agents saying both of these things to me. They said it might take up to 30 days to post. So I decided to wait and see what would happen. XXXX months later, I still hadnt received any refund from this. So, I called the fraud department to have them inquire and reverse the charge manually. Everything was fine until just last week I received a statement from Amex saying I owed them for the flights. And now I somehow owe them the money I WAS SUPPOSED TO BE REFUNDED! 

On the attached statements you will see in XXXX that I purchased the tickets on XX/XX/XXXX. You will see that I purchased the Amex XXXX travel on XX/XX/XXXX for {$420.00}. This was to protect the flight in the event that anything would happen. I have the platinum american express.
Product: Debt collection

I received a collection account from Convergent Outsourcing Inc and I requested.a validation of the account letter, Convergent responded with account summary and order statements from XXXX. 

After analyzing the items order statements, I discovered that the address, which XXXX  claim to have shipped the items and the date does not match up. 

The address is : XXXX XXXX XXXX XXXX, VA XXXX According to the items order statements, items ordered at various date though all in the year XXXX and shipped to the above post office box. 

To my records, the post office box was opened on XX/XX/XXXX. So, there is no way items could have been sent to the post office while I didn't have the PO BOX yet. 

I asked Convergent Outsourcing to provide more information on the debt they are attempting to collect but I received the same documents and with letter stating the account is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2016 Loan Type XXXX XXXX  ACCOUNT Past Due {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  PLACED FOR COLLECTION in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Product: Debt collection

XXXX members of my family and I have all been called numerous times by XXXX XXXX XXXX stating they have legal documents to serve and wanting to verify my information. The call comes from a XXXX number XXXX XXXX XXXX and refuse to say who it is or what it is in regards to.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelles numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Credit card or prepaid card

Capital one bank will not verify as to whom gave them permission to open this credit card in my name. I have tried multiple times to reason with them.
Product: Debt collection

Company states they are licensed under XXXX to collect in NC but ive attached proof that they are not. Also they are reporting wrong dates. I have also asked for proof of validation of debt and the only thing ive received is a bill. Nothing proving this debt is mines.
Product: Debt collection

I have twice demanded validation from this company and they have responded by sending me a bill claiming that it is past the 30 day validation period. However, I have never received a notice that they were going to attempt to collect nor have they ever sent a letter advising of my right to dispute it. I only found out about it because I saw it on my credit report and sent a dispute letter to them. I have never had an account with this company. I demand to see a contract between them and me or they need to remove their information from my credit report and close their files. I have been disputing this on my own and have never paid any credit repair company or anyone else to dispute this for me. As of today, this incorrect/invalid/inaccurate information is still showing on my credit report and needs to be removed.
Product: Credit card

jcXXXX penny XXXX up my acct this pass XXXX, I never chg my address, and lower my cr XXXX to XXXX I was never notify my cr was lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised by theft awhile ago, the after effect still has me compromising with the credit agencies. It's my believe the credit reporting agencies should physically verify any information that report and pass that same information by way of physical documentation to the consumer, if not then the accounts should be blocked permanently and instantly. The following inquiries needs to be blocked from my credit report someone obviously used me information. The following inquiries are XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),  XXXX ( XX/XX/XXXX ). In addition the following accounts also need to be blocked for the same reason, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to inform the CFPB, XXXX and Transunion that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX and Transunion is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so.
Product: Credit card or prepaid card

On XXXX I received an email from PayPal saying they had taken {$500.00} out of my prepaid Visa credit card with XXXX. I never authorized any payment to XXXX for XXXX This is lies and scam. But I lost the {$500.00} anyway. I called many times but no one ever answered. The Invoice Number is XXXX. I called the no. on the email XXXX XXXX and PayPal directly XXXX XXXX XXXX without any answers. Scam, scam, scam.
Product: Debt collection

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX INQUIRED on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX INQUIRED on XX/XX/XXXX XXXX XXXX XXXX INQUIRED on XX/XX/XXXX XXXX XXXX XXXX INQUIRED on XXXX XXXX, XXXX XXXX XXXX INQURIED on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX INQURIED on XXXX. XXXX, XXXX XXXX XXXX XXXX INQURIED on XXXX XXXX, XXXX XXXX XXXX INQURIED on XXXX. XXXX, XXXX XXXX XXXX on XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I wrote Sallie Mae to let them know that they were sharing my nonpublic personal information with an unaffiliated XXXX party without my written consent. I asked them to stop, but I am still receiving notifications that they continue to report these adverse claims.
Product: Student loan

I have been struggling to pay my private student loans, so I contacted my student loan servicer, ACS, to ask them to lower my monthly payments. I was told that I do not have any repayment options available to me, and that there is nothing ACS can do to help me. The ACS representative told me that XXXX XXXX ( the loan owner? ) may work with me regarding repayment once I fell behind. I kept stressing to the ACS representative that I DO NOT want to default on my loans, and that I just need to lower my monthly payments until I can get back on my feet. I was offered nothing. I spoke with another representative a few weeks later, who told me the same thing, that I have no options. I requested my complete payment and service history. Approximately a month later I contacted my state 's Attorney Generals ' ( AG ) office to file a complaint regarding my student loans. The AG 's office contacted ACS, who ( I believe ) referred her to a XXXX XXXX XXXX, XXXX, Loan Servicing Oversight, XXXX (? ). The AG representative requested my original signed promissory notes and complete payment and service history. XXXX XXXX assured her that I would receive those documents, but to date, I have not. I have, however, continued to receive regular monthly student loan bills. I contacted my state Congressman and Senator, but was told they only have jurisdiction over federal agencies, and therefore can not help me in any way. I am not able to continue paying my monthly private student loan bills, and I really some help - fast! Thank you.
Product: Credit card

Between the months of XXXX through XXXX of XXXX  XXXX was unaware of a monthly charge to my banking account by a company named XXXX XXXX XXXX. I alerted my banking institution that the charges are fraudulent leading to me having to change my card for XXXX straight months due to fraudulent charges, The total amount of fraudulent taken was {$240.00} over 10 months at XXXX XXXXXXXX. My banking institution refused or just simply didn't put a block on towards future charges, which the company continued to charge my card dispite multiple requests to block all and any charges coming from a company, I have never done business with. I have requested contact information to speak to the company since I am unable to find it myself but fraud department with banking institution is only sending questionnaire and receipt. I have filed at least XXXX polices reports regarding the fraudulent charges
Product: Debt collection

I have reached out several times as this debt was the result of my identity being stolen, I work very hard to maintain my credit and because of this my credit has been destroyed.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 - Block of information resulting from identity theft Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX credit card inquiry Discover bank XX/XX/XXXX credit card inquiry XXXX XX/XX/XXXX credit card inquiry These transactions were not done by me and I need them removed from my credit report.
Product: Debt collection

ACCOUNT NAME LVNV FUNDING LLC Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Mortgage

filing this compliant to express our dissatisfaction with the treatment we received from WellsFrago My Husband & I received more than 6 loan estimates within two weeks, every time your team decreased the loan amount and increased the down payment even though we locked the rate! We already provided all the information needed to them. We waited for the underwriter forever and a commitment letter which was supposed to be sent on Friday XX/XX/XXXX, However, we didn't receive it due to technical issue as we been informed!, only to know just today that we have to come with MORE down payment of almost XXXX XXXX  I want to share with you some of the consequences and the damage that happens because they are not doing their job in professional manner by providing misleading information : -we gave 2 weeks notice to our property management because the closing date for the Escrow was XX/XX/XXXX -we have to deal with stress and XXXX I almost having XXXX XXXX because that -we sold my Jewelry for some cash -almost sold XXXX of our cars that affect our work performance
Product: Debt collection

In XX/XX/2020, I noticed that a new collection account was added to my credit bureau. I contacted the collection agency listed, Receivable Performance Management, and let them know that this " collection '' had been paid years ago. 

At the time, I had had numerous problems with XXXX, to the point where I had written letters to the headquarters regarding incorrect overcharges on my account. XXXX had once refunded me more than {$200.00} because I ( finally XXXX noticed they had been charging me every month for a streaming service I did not have. They also had to refund me money for some type of insurance that I never requested. Insurance that I had, in fact, denied at the time of purchasing a phone from them. Apparently the sales agent added it anyway. 

After years of headaches with XXXX, their inaccurate billing and awful customer service, I decided to go to another phone company. When I attempted to do so, I could not, because my phone was " locked '' by XXXX and I had a balance on my account with them. In order for me to have the phone unlocked, I had to pay the balance in full, which I did. 

I sent the collection agency the only proof of payment that I have, which is the first email from XXXX stating that I owe money and they won't unlock the phone, and the second email from XXXX with instructions as how to unlock the phone -- sent to me because I paid the balance in full! 

XXXX was a nightmare to deal with and I have been overcharged and fraudulently charged by them on NUMEROUS occasions. I do not know what took me so long to leave them! I would be in tears over the hours it would spend and the hoops I would have to jump through to get someone at XXXX to resolve something. So now, after all these years of being free of them, I am LIVID that this is on my credit bureau. 

The collection agency said they contacted XXXX, and that XXXX refused my dispute. If I were in a position to do so, I would hire an attorney over this {$150.00}, have the entire transaction history examined, and in the end, it would likely show that they owe ME money. I was so busying working fun time and going to school in the evenings, I did not have time to analyze all of my bills. Being naive, I just paid it, until the day I realized that I was overpaying for things I didn't even have. 

Thus, if you are able to do so, I'd like you to see EVERY dispute that I had with them, EVERY refund they had to give ME, every emails or letter I had to send them, all the incorrect bills. I do NOT owe this money, and I wish I had the means to sue XXXX for putting a consumer through this! Please help me resolve this and remove this from my credit bureau.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Closed : The account was officially closed on XX/XX/XXXX, and any late payments reported after this date should not have been reflected in my credit report. The delay in processing during the account closure led to the incorrect 120-day late report, which does not accurately represent my payment history.

On-Time Payments Prior to Closure : I consistently made all payments on time prior to the account closure in XX/XX/XXXX. Any reported delinquency after this date was due to delays in account processing and should not have been attributed to me. 
Dispute Previously Filed : I previously filed a dispute regarding this issue, which was marked as resolved ; however, the inaccurate late payment entries still remain on my credit report. This demonstrates a lack of proper resolution and continues to affect my credit score negatively. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I bank at Wells Fargo. My debit card and phone were stolen on XX/XX/23. I filed a debit card fraud claim ( Claim ID : XXXX ) on XX/XX/23, for unauthorized charges due to a stolen debit card. During the about XXXX hour time frame I was not aware I didn't have my card, XXXX attempted unauthorized transactions occurred and resulted in the loss of {$4800.00} from my checking account. I thought I had only lost my phone at first, but when I realized my card was gone as well I immediately called Wells Fargo customer service on my mother 's phone to cancel my debit card. I also filed a police report with XXXX XXXX Police Department which I will attach to this complaint. I will also attach my bank statement for the unauthorized transactions. I also changed my login credentials XX/XX/23. 

I was told the claim would take up to XXXX business days. I had to call Wells Fargo today ( XX/XX/23 ) to find out my claim was denied on XX/XX/23 and that {$1000.00} of the money I lost was not even included in the original claim because it was online transactions. None of the Wells Fargo staff I spoke to on XX/XX/23 thought to create a separate claim for the online transactions. One of the people I spoke to today ( XX/XX/23 ) had to create a separate online fraud claim ( Claim ID : XXXX ). Another XXXX business days for a claim that will probably be denied like my last last one. 

Another issue is that the amount the claims specialists told me I lost is not reflected correctly in my statement. The exact amount that I'm reporting was given to me by the claims specialists.