23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To : Consumer Complaint From : XXXX XXXX XXXX I am writing to file a complaint against Navient, the loan servicing company, regarding their persistent harassment and unfair practices in relation to my loans with the account # XXXX. My loans were originally XXXX  XXXX XXXX but were subsequently refinanced to Navient. The transition was motivated by need for a more flexible and reasonable payment plan. However, despite the refinancing and lacking the ability to pay {$2000.00} a month payments, Navient continued to harass both myself and my immediate family and extended family members, creating undue stress and hardship for us. I was contacted by Navient stated I need to consolidate my loans and I was placed with XXXX and I was promised a income driven payment plan. XXXX was unwilling to collaborate on establishing a livable monthly payment plan. Both Navient and XXXX insist on exorbitant monthly payments over {$2000.00} despite knowledge of my federal loans. This lack of cooperation and consideration has compelled me to seek a more reasonable arrangement. The primary issue I am reporting is the relentless and intrusive communication from Navient and XXXX. Navient has not only failed to be truthful about having me sign paperwork into consolidation with XXXX who is doing exactly the same thing with the same behavior as Navient. These proposed solutions not only fail to address my underlying issue but also risk exacerbating my already substantial debt by incurring additional unlivable interest. Furthermore, I have expressed the stress on my health and yet Navient has refused to explain why they transferred me into a worst predicament with XXXX. I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action against Navient for their violation of fair debt collection practices. I believe my rights as a borrower are being egregiously disregarded and I trust that the Bureau will intervene to rectify this situation.
Product: Money transfer, virtual currency, or money service

My business PayPal account was hacked the hacker changed my bank to XXXX instead of my long standing XXXX XXXX XXXXXXXX Account. 

I received XXXX from my client and transferred to my bank days later my funds were not available. I we n't in to my XXXX  account and realized my funds were stolen. PayPal has admitted the unauthorized change of banks but still refuses to refund my money. 

I have over a month of detailed notes, photos and fbi forms.
Product: Debt collection

For the last year I have been back and forth with the credit bureaus about a portfolio account that is reporting on my credit report that does not belong to me. The credit bureaus keep responding stating that I should contact portfolio because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with portfolio which I did onXX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according the USPS tracking, and they still have not responded to me and the account is reporting not once but twice on my credit report.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. ALSO SOME OLD ACCOUNTS CAME BACK ON THE REPORT AFTER A YEAR THAT IS FRAUDULENT I HAVE NO PROOF OF WRITTEN CONSENT THAT THE CREDIT BELONGS TO ME : I WILL SUE COMPANIES FOR ILLEGAL ACT! 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Immediate Removal of Unauthorized and Duplicate Inquiries To Whom It May Concern, I am writing to formally request the removal of unauthorized and duplicate inquiries from my TransUnion credit report. Upon reviewing my report, I noticed the following inquiries, which I did not authorize or are duplicates unrelated to any open account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is a XXXX XXXX  ( Finance ) inquiry dated XX/XX/XXXX, which appears to be a duplicate. I have an open account with XXXX XXXX  ; therefore, only the duplicate inquiry not associated with this account should be removed. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that credit inquiries should only be listed with my explicit authorization. Since these inquiries were unauthorized or duplicated, I respectfully request their immediate removal. 

Enclosed are copies of my identification and a copy of my credit report highlighting the inquiries in question for your reference. Please investigate and delete these inquiries from my credit file. 

I appreciate your prompt attention to this matter and look forward to your response confirming the removal of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of this year 2019, I Have sent a letter to CitiBank regarding a inquiry that was placed on my credit reports and i ask them to please removed the inquiry at once and yet today i received no response back from them.
Product: Debt collection

In 2020, XXXX XXXX sent non payment of home insurance to a collections agency, Credit Collection Services, whom filed with credit bureaus. The non-payment was a result of only email communications being used by liberty mutual, which, routed to my spam folder. 

Credit Collection Services did not delete this outstanding delinquency once the payment was made directly to XXXX XXXX. 

Credit Collection Services does not have adequate infrastructure ( ie work phone lines, any written correspondence department ) to address this issue, which, is negatively impacting my ability to get a mortgage. This has a direct economic impact ( of about 10x the outstanding debt per month of mortgage rate price differential based on current rates ). The transferred me 5 times to inoperable phone lines today, stated they do not have a website & refused to put anything in writing to rectify this issue with my lender (. 

XXXX XXXX has provided me a dated statement that this situation was responded to & closed in 2020. However, they, nor, I have had ability to have this rectified on my credit scores via Credit Collection Services.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) and pursuant to the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ), I am writing to formally request the removal of certain information from my credit report. I am a victim of human trafficking, specifically debt bondage, and as such, the debt listed below falls under trafficking-related debt. 

In accordance with section 605C of the Fair Credit Reporting Act ( FCRA ), I kindly request that you block and delete the following information from my credit report within XXXX business days : Account Name : Credit Collections Service ( Progressive ) Balance : {$670.00} Enclosed with this letter, you will find documentation from an advocacy group assisting me due to my status as a human trafficking victim, which supports my request for the removal of this information. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me when the requested information has been blocked and deleted from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX Fifth Third performed an unauthorized hard inquiry on my credit report, i did not authorized such inquiry and it is affecting my XXXX XXXX. I tried contacting the Bank without any success.
Product: Credit card

On XXXX at approximately XXXX PM I received an email from American Express, asking me to confirm I changed my email address. After reading the email I immediately called American Express to explain I did not change my email address and that it appears to be suspicious activity. After having me on the phone for about XXXX minutes they reviewed the recent transactions with me. The only XXXX I disputed was the transaction in the amount of {$900.00}, which appeared to be either a e-check or wire transfer written to someone 's personal name. I 'm 100 % sure I did not authorize this transaction and do not even know who the individual is. 

As we were reviewing the account I noticed the information they had on file was not the information I entered when originally setting up my account. My email, pin, and even my security question was all changed. They then had me reset everything back. I asked if they should just send me a new card and or at least change my account number. They said that would not be necessary. 

They informed me that the dispute would take up to 10 business days. After terminating the call with them I then received a voicemail ( on XX/XX/XXXX at XXXX ) confirming the call and giving me my confirmation number which is XXXX and a number to call if needed which was XXXX. I still have the voicemail on my phone. 

Today on XX/XX/XXXX I received an email from American Express stating my dispute was declined and they have determined no error occurred. I will attached copies of the emails mentioned. 

I 'm not sure how they can come up with the conclusion that no error occurred, when I 'm clearly stating I did not make or authorize this transaction. If someone can change an email address then later change their pin, and personal security question, then be allowed to transfer money to someone, that is clearly a lapse of security on American Express. 

After receiving the email stating my dispute was declined I called XXXX, and spoke to XXXX at XXXX who then transferred me to Account Protection Services to someone named XXXX XXXX I went through explaining the whole process with XXXX only to be told she could not help because she did n't have the information they used to determine how their decision was made. She said I would have to write them to get more detail. 

This whole process is interfering with my ability to pay my mortgage and bills. It 's not fair for an institution as large as American Express to simply state an invalid charge was valid and tell the consumer, we ca n't help you. 

Any help you can provide to expedite this process would be greatly appreciated. I tried to be proactive in reaching out to American Express as soon as I received the email stating my email was changed. 

Again I did not change my information or make the charge of {$900.00} Thank you for your help.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

Have a XXXX XXXX Card through Comenity. Tried calling XXXX. Each time i go through the prompts to await for a live person to discuss my billing, I am put on hold. The music comes on to indicate you are hold then 2 minutes later you get another prompt and it pushes you into a silent que and it is unclear if you are still on hold. After 15 -20 minutes the call is disconnected. This has occurred 3 times over a 48 period. 

My purpose for the call was to get a {$29.00} late fee waived. It was my first time being late since account opened in XX/XX/2021. It was an oversight on my part due a death in my family. I have been consistent is paying {$30.00} - 40 more than the minimum requirement. 

I am more concerned that I have been trying to reach customer service for the past 2 days and can't get through because their is an issue with their phone system.
Product: Debt collection

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1987 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/1987 ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle for a 2020, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$850.00} DEPTEDXXXX   XXXX {$10000.00} XXXX/XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$4000.00} XXXX   XXXX  XXXX  XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed to remove a 90 days late indicator from XXXX XXXX from a number of accounts. I have forwarded this information to the credit reporting agencies, and disputed numerous times, but the 90 day late indicators continue to reappear on my credit reports, after being removed.
Product: Credit reporting or other personal consumer reports

It has been months!!! ABOUT 2 years total but months since my last dispute and I have been disputing a XXXX $ FRADULENT ACCOUNT OF XXXX! I AM VICTIM OF IDENTITY THEFT. I HAVE COMPLIED AND GAVE PROOF TO ALL BURUEAS OF POLICE REPORT AND IDENTITY THEFT REPORT ; THIS SPECIFIC ACCOUNT HAS BEEN REPORTED AND DISPUTED AND SENT ALL PROOF THROUGH CERTIFIED MAIL AS WELL AS DISPUTES HERE ON CFPB ABOUT 3 TIMES OR MORE I DONT REMEMBER THE DATES BUT THE PROOF IS HERE AND IN MY EMAILS AND PHONE CALLS ETC! ALL PHONE CALLS ARE RECORDED! THE COMPANY XXXX SAID DIDNT HAVE IT, THEREFORE IT WAS CLOSED AND THEY SAID XXXX XXXX XXXX HAD IT AND I CALLED THEM IN XXXX THEY TOLD ME!! XXXX XXXX XXXX TOLD ME IT WAS CLOSED AND BEING TAKEN OFF BECAUSE THEY SAW MY POLICE REPORT AND I AM VICTIM OF IDENTITY THEFT. XXXX AND TRANS UNION HAVE VIOLATED MY FEDERAL RIGHTS MORE THAN ENOUGH TIMES AFTER THAT AND STILL IT IS REPORTING NEGATIVELY ON MY REPORT AS WELL AS XXXX XXXX XXXXXXXX HARD INQUIRY ON MY TRANS UNION I SENT PROOF OF FRAUD AND THEY STILL HAVENT TAKEN IT OFF AFTER BEING TOLD MULTIPLE TIMES AND GIVEN THE PROOF!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and $ XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus ( Equifax ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Checking or savings account

I opened a business checking account with Truist using a code ( XXXX ) they provided by mail that would result in receiving a {$XXXX} bonus upon opening an account and completing the required activities. These required actions were satisfied in early XXXX, but the bonus has not been paid. I contacted the company and they said it should have been paid by now. They said they would look into it and get back to me within 15 days. This time has passed and their has been no response. Every time I call, they just say they will look into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX 2022 installment payment in XXXX but I paid after my grace period which I got a XXXX late charge. When I made my payment I was told the late charge would be waived. Just recently I got an alert that I was reported 30 days late for a XXXX late charge is that even legal to report me delinquent for a late charge they offered to waive? I want to know why this happened and all calls are recorded so I would like them to pull the recording on why the agent neglected to tell me I was going to be reported late for a late charge they offered to waive
Product: Payday loan

I 've paid XXXX so far on a pay day loan, I requested XXXX XXXX/XXXX/16. I never received how much my interest rates would be and when I notice today that I was still making payments I did my research. My interest rate is 867.4001 % and to date I 've paid XXXX. I would have NEVER agreed to a loan with that outrages amount as interest rate. When I called I stated that i will be contacting a lawyer because that is illegal they stated I did not have to make anymore payments. What can i do to get my money back?
Product: Checking or savings account

I opened a high-yield savings account to take advantage of the 3.75 interest rate. Shortly after transferring funds into the account another bank account that I owned by a different bank XXXX direct offered a higher interest rate. And I initiated a transfer from brio direct to my XXXX account. 2 days later I received an email from brio direct stating that my account transfer was under review and my access to my account was locked. I contacted Webster Bank operator of XXXX XXXX  and they said my account was under review but I should hear something by the next day or two. I contacted brio direct multiple times in the following days and was always told my account was under review and nobody could speak with me about it. I submitted a copy of my driver 's license and bank statement on XX/XX/XXXX as requested and XXXX XXXX said they had received the documents and my account was still under review. And they said it would be a week or so and there was nothing I could do and they did not need any more information. I offered for them to transfer the funds back to the accounts they had come from but they said the account is locked and nothing can be done and the compliance department works at their own speed. it's been almost 2 weeks since the initial account locking and what I spoke with XXXXXXXX XXXX today XX/XX/2022 they said the XXXX department XXXX XXXX bank was still reviewing the account and they had no estimate on when I would be able to view my account or access my funds. I feel like brio direct has locked my account is holding my funds XXXX. And they can not give me a reason why it is being held or when they will be released. after having this issue I found they a lot of XXXX XXXX customers are having this same issues with this bank locking their account and holding funds when the customer tried to withdraw any funds from their account.