23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In late XXXX, I learned that my Barclay 's credit card was months behind. I had absolutely no idea that I was behind on this card. I havent used it in a while and thought it was at a XXXX balance. Looks like there was a {$3.00} fee automated charge in XXXX and then an additional {$11.00} in automated fee in XXXX. All of the statements were going into my email junk folder. I only found out I was delinquent because I was clearing out my junk email file and saw some items from Barclays. I have had a credit score over 800 for about 15 years and this {$14.00} incident has destroyed it. 

If these companies are going to solicit customer to go " paperless '', they should still have the responsibility to perform debt collection efforts. Apparently since it was such a nominal amount, they didn't bother to call me ( not even once ) or use standard mail. They just let an account that was paid well for years continue to collect late fees and interest charges. If Barclays ' representatives had performed even minimal collection activities, I would have been made aware of the oversight and cleared it up immediately. I'm sure if I had owed {$20000.00}, not only would I have received calls, but my relatives and neighbors would have been called as well. 

When creditors see a 120 day late on a credit report, the impression of that is that collection practices occurred and the card owner refused to pay. That is not the case. They did not perform normal collections practices. I think Barclays owns some of the responsibility for not caring enough to make me aware of the delinquency. The only letter that I received from Barclays came around XX/XX/XXXX, and was dated late XXXX. All of this was after I called their collection team, found out how much I owed ( {$100.00} ) and paid the account. 

I wrote Barclay 's Customer Service area on XX/XX/22 and asked that Barclays update my credit report and remove the delinquencies. They responded and refused. I then wrote Barclay 's Office of the President on XX/XX/22. They responded on XX/XX/22 and also declined to remove the delinquencies. I received a voicemail from the XXXX XXXX, Executive Specialist, and called her back. She was sympathetic, but stated that their Collection Department can choose to attempt to collect or not. 

So, I am writing you. There is an all-out effort to move consumers from mailed statements to digital. It saves the companies money. But then, when the email ends up in your junk file and the company doesn't care enough to attempt to contact you - you end up like me. I'm not even sure I knew I was switching to digital when I did so for Barclays. The companies have their methods where you log into your account and your presented with options ( that you didn't ask for ) regarding how to receive your communication from them. But, if they are going to push us to digital mail, they need to be responsible, especially during a Pandemic to perform basic collection practices. 

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

XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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: Vehicle loan or lease

WESTLAKE PORTFOLIO MANAGEMENT repossessed my car without merit and reason. I have consistently contacted them to no avail of the problem and rudeness hangups on me several times. I also sent a registered security on XXXX XX/XX/2023 and directed them to wire to my funds XXXX XXXX XXXX they are still very abusive towards me and still have not taken care of this matter
Product: Credit reporting or other personal consumer reports

Requested Experian delete the account from XXXX XXXX. This account is inaccurately reported with monthly charge-offs, potentially re-aging debt illegally. This constitutes a direct violation of 15 U.S. Code 1681e ( b ), necessitating it's removal.
Product: Student loan

I entered the XXXX program XX/XX/XXXX of XXXX, it was approved on XX/XX/XXXX. 
I received an online portal letter from XXXX that reflected that. 

I asked back in XX/XX/XXXX why interest was accruing on my student loans and got a generic response regarding frequently asked questions about interest. 

After checking my credit score on XX/XX/XXXX, I saw that my balance had increased on my student loans. After reviewing my student loans on the XXXX website I saw that they were still accruing interest, but my account is in an XXXX XXXX. 

The XXXX XXXX, which is now being challenged by federal courts is on pause. 
On the nelnet home page it directs you to the FAQ for studainaid.gov. 

On that site it states " While in forbearance, you do not have to make monthly payments on your student loans. Interest will not accrue during this forbearance. '' https : //studentaid.gov/announcements-events/save-court-actions On XX/XX/XXXX i sent another email to XXXX questioning the interest and requested that the interest be removed, XXXX also provided the information above. 

On XX/XX/XXXX XXXX responded that my account is in forbearance due to my application to XXXX XXXX to discharge my loans, that I filled on the Studentaid.gov website back in XX/XX/XXXX. 

I have not requested any personal forbearance on my student loans outside what the federal government has deemed for the interim of the XXXX XXXX. XXXX has not provided any communication regarding the reason to my forbearance status as being due to a borrow defense application. My last communication from XXXXXXXX XXXX on my online portal regarding my student loans was XX/XX/XXXX when I was approved for the program. 

As I was a part of the XXXX program, my student loans should be in XXXX XXXX and not accruing interest per the Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off a truck loan ( XX/XX/XXXX ), activity was reported on XX/XX/XXXX and Experian dropped my credit score 23 points without reason or explanation. I called Experian XX/XX/XXXX @ XXXX to inquire and XXXX, the customer service representative acknowledged that she don't know or understand why. As an XXXX XXXX  male I've been a victim of this kind of discrimination for years and I need answers.
Product: Credit card or prepaid card

On XX/XX/2023, I received a letter from Bank of America that they sent me on XX/XX/2023 stating that my request for a Bank of America Customized Cash Rewards Visa Signature care was denied. I DID NT APPLY FOR THIS CARD! I do not and never have had any kind of business with this bank. I visited the local branch of Bank of Americal to report this incidence. I spoke with a bank employee at this facility. She looked up the application an informed me that the document was submitted from a person in XXXX XXXX, TX. My SS number, name and address were correctly documented on the application. The email used was off by an additional " E '' and my birthday was off by the incorrect day of the month. As soon as I could, I went into XXXX, XXXX and XXXX, reviewed my credit reports and froze my credit accounts.
Product: Checking or savings account

My business is a XXXX XXXX partnership and on XXXX one parter withdrew from our partnership. I brought the withdrawal to US Bank XXXX and went through the entire process to have her removed from all banking accounts associated with my business. 
XXXX, the withdrawn partner says she has been receiving notifications about purchases still. I called US Bank to have them confirm that they take her number and email address off our account as this is an absolute violation of our privacy. 
XX/XX/XXXX, she informs me that she is still getting notifications about spending on the account. I call to have her number and email removed yet again with the promise of her not getting notifications anymore. 
XX/XX/XXXX, the withdrawn partner is still receiving notifications for purchases on our account and I called yet again with the threat of pulling my business account from their bank if it is not resolved after this. They assure me it is taken care of but to give it XXXX  days because of the XXXX XXXX holiday. 
Well, as of XX/XX/XXXX she received another notification on this account despite multiple attempts to clear her from the account and making it absolutely impossible for me to run my business with my old business partner seeing every purchase I make. 
This is absolutely unacceptable and I have reached out to them to make it right multiple times. 
This should not be happening to business accounts ( or any accounts for that matter ) and will result in me pulling my business from their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

AVANT LLC/XXXX XXXXXXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The accounts and other items that do not belong to me or that were opened without my consent are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$400.00} XXXX XXXX Balance Owed : {$45.00} XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. The FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a consumer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account Name : XXXX XXXX XXXX Account : XXXX XXXXXXXX Account Name : XXXX  Account : XXXX XXXXXXXX Account Name : XXXX XXXX  Account : XXXX XXXXXXXX Account Name : XXXX Account : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account : XXXX  XXXX Account Name : XXXX Account : XXXX  XXXX Account Name : XXXX  Account : XXXX  XXXX Account Name : XXXX Account : XXXX  XXXX Account Name : XXXX XXXX  : XXXX  XXXX Account Name : XXXX Account : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My husband and I are trying to purchase a house. There was an error on our credit reports showing a mortgage with a delinquent balance long after the debt was discharged in bankruptcy. I contacted 21st Mortgage and provided them an additional copy of the bankruptcy documents and demanded an immediate correction. We then provided XXXX with a letter from the mortgage account stating that they had made corrections and the debt was discharged in bankruptcy in XX/XX/year>. XXXX told our new mortgage company that they would not accept the letter from XXXX mortgage and the delinquency remained on our reports. XXXX then corrected our report on the consumer side - the report that WE can access - but has not rescored our account on the report that the mortgage company pulls for loan qualification. We tried contacting XXXX ( as did our mortgage company ) for the correction and were told that it was already corrected. As of today the report the mortgage pulls has NOT been corrected or re-scored. This is preventing us from purchasing a home. My husband and I feel like both companies have been in clear violation of the Fair Credit Reporting Act.
Product: Debt collection

Ive been paying this company for years and I have the receipts to prove it. Their records dont match my receipts FROM THEM and  they are illegally taking money from me when my debt has been paid. This company has inflated the charges to the Point that I can not pay for my medicine after a recent XXXX. That have taken advantage of my age and health by continually taking my money to cover a debt that will be paid off if they were to add the valid receipts that are not on their printouts of my payment. Im tired and I have to have money to ensure my health. This company is paid and I want any involvement with this removed from my life and my credit.
Product: Credit reporting or other personal consumer reports

hi all, how this is possible they approved me for this card and now I have a HARD INQUIRY on my credit.. I dont think that this is afair on my end .. this need to be removed immediately.. till 2025 woow. also XXXX XXXX ACCOUNT AND XXXX CREDIT CARD IS CLOSE STILL SHOWING NEGATIVE ON MY CREDIT WHY?? i need to remove this please
Product: Checking or savings account

On XX/XX/2022 my husband 's wallet was stolen on a business trip. We became subject to fraud across all of our accounts. The fraudster was successfully able to obtain {$4100.00} out of our checking account and managed to XXXX themselves {$3000.00} as well we don't know how but Wells Fargo did not block these withdrawals and failed to stop these charges from happening. We reported this to Wells Fargo as soon as we realized the wallet had been stolen ( morning of XX/XX/2022 ). We filed a police report and submitted the police report to the fraud team. We've spent hours with various representatives at Wells Fargo on the matter and no one has proved to be helpful. We feel violated and unprotected in banking with Wells Fargo that they would take this situation so lightly and not support us in an emergency situation of theft to our account when they claim to provide insurance in situations of fraud.
Product: Checking or savings account

I have an account with XXXX its a branch off of netspend.They will not give me access to my account and when I call they say the account is closed. But when I go to log in to the app it says contact support to regain access. And when I call and put in my social it pulls up account so the account obviously isn't closed. It's been over a year of calling them and to no avail am I able to get through to anyone to actually help me. I sent them the ID documents they requested. They also will not send me a statement of the account before it was closed.
Product: Credit reporting or other personal consumer reports

LISTED WITH XXXX APPLE CARD GS BANK USA, OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX LISTED WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLE CARD GS BANK USA, OPENED XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX XXXX XXXX XXXX   OPENED XX/XX/XXXX LISTED WITH XXXX XXXX XXXX I OPENED XX/XX/XXXX APPLE CARD GS BANK USA, OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX ALL THE ACCOUNT LISTED I HAVE DISPUTED AND ALL THEY HAVE ALL REMAINED ON MY CREDIT REPORT, I HAVE REQUESTED VALIDATION OF THE DEBT AND COPIES OF SIGNED CONTRACT AND NON OF THEM HAVE COMPLIED. THE COMPANIES HAVE EITHER SIMPLY STATED THAT ITS VALID WITHOUT ANY DOCUMENTATION TO PROOF IT. I HAVE ALSO CALLED EACH OF THESE CREDITOR TO LET THEM KNOW IM THE VICTIM OF IDENTITY THEFT WITHOUT ANY HELP
Product: Checking or savings account

I established and funded two BMO Alto savings accounts from multiple sources between mid-XXXX and midXXXX XXXX. The total balance of the two accounts was approximately {$110000.00} by mid-XXXXch. In MidXXXX I initiated two transfers totaling approximately {$100000.00} to another institution.Very shortly afterwards I received email notifications stating that both accounts had been frozen by BMO Alto. 

When I called to inquire I was informed that the reason for the freeze was " possible fraudulent activity ''. I find it highly suspicious that a fraud concern arose in two accounts coincidentally with only outbound transfers. 

A BMO Alto representative advised me that they required a copy of my government-issued ID and unredacted statements from my funding sources in order to unfreeze my accounts. I was advised that, if these documents were sent that same day ( Friday XX/XX/XXXX ), the freeze could be removed over the weekend. I complied and provided the documentation requested, though on reflection believe this was unwise because it invites the possibility of identity theft at the hands of an organization which was already behaving unethically. 

The next day I called several BMO Alto-provided phone numbers to inquire about the status of my accounts. Results ranged from an invalid number to a voicemail answering machine to a representative who said to call back on Monday. Researching on the internet, I was able to find many similar cases in which depositors were kept waiting for access to frozen funds for an extended period. The only advice I could find which seemed to have a good probability of having any meaningful impact was to file a complaint with the CFPB early in the process.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.S 1681i, which mandates a reasonable investigation of disputes. Futhermore, Equifaxs action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The following account is inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

To Whom it may concern, I am writing to file a complaint about Navient, the student loan servicing company. 

I have had a lot of trouble over the past few years with this company and their practices. Their incompetence and unprofessional behavior has made it difficult to properly pay off student loans without calling back again and again over months to make sure the payment is applied correctly. Consumers should not have to babysit their financial servicing company, call back every week, for weeks on end, and make sure the thousands of dollars they just spent to pay off a student loan is applied correctly to the loan. 

Navient has also made it impossible for me to sign up for an automatic payment program on my private student loan, which is eligible for a 0.50 % interest rate reduction once signed up. I have been trying to get someone to help me sign up for 2 years XXXX it does n't work with their online dashboard ). They have documentation about my attempts to sign up for this as far back as XXXX XXXX. Many ( not all ) of the customer service staff are rude, have a very poor attitude and are insulting when calling to ask for help. 

I have begun calling Navient again to get signed up for this automatic payment so I may reduce my interest rates. This morning I have spoken with 6 different people, all of whom transfer me to the next department to essentially pass me on to someone else. A previous research investigation about the .50 % interest rate reduction was closed with no result, and no contact from Navient. 

Additionally, as I attempt to pay my loans off so I do not have to deal with this company again - I am reminded at how poor their website and dashboard system is. After making a {$500.00} principal payment to a loan, I received no email confirmation. There is no record of it online in the online dashboard management or account over the phone. The response is to wait 48 hours and call back. I find this to be unacceptable in this day and age. 

Finally, the organization of this company terrible. Upon calling to service my account, I can not speak with one person about my private and federal student loans. Employees have only 1/2 of the information to help you. The endless transfer back and forth between the split office, and to the collections department for payment, is deplorable. Each office works with different software, computer systems and information and as a result can not help you in a single phone call. 

Any entity that must transfer you between 3 departments over 90 minutes of being on hold in order to set up a single automatic payment clearly has major problems. This is not the type of organization that should be servicing hundreds of billions in debt. 

Thanks for listening