23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I call every 6 months to re-establish my payment arrangement with Coast Professional due to my account being in default. Despite making payments over the past 2 years, I remain in default because Im not willing to give them my husbands financial information, as this loan has nothing to do with him. I also can not afford what they think I am able to afford based on verbal income and expense amounts. I have paid $ XXXX every month for the past 2 years. I have never had a problem setting up my payment arrangement in the past. I typically call, tell them what I need, and they take care of it. Until this time. I have called THREE times and have spent 1.5 hours on the phone just to get absolutely nowhere. IM JUST TRYING TO PAY THEM! During the most recent phone call to them on Friday, I was transferred to a supervisor who proceeded to argue with me about what I can and cant afford. He refused to do anything at all for me because I opted to not give my address. He threatened to tell the federal government that I am refusing to give my address. He further threatened to offset my taxes if I did not get into an approved payment plan. Despite my paying them. He told me that I would get absolutely nowhere making the payments that I can afford making.
Product: Credit card or prepaid card

The American Express Platinum card offers an annual credit of {$200.00} towards XXXX rides. This is broken up into monthly amounts that expire if not used. The Amex Terms and Conditions state if a ride is more than what is available than you will, credit card customer, will be charged for the difference. For the last year, month over month, I used XXXX and my rides were over the monthly {$15.00} allocation. I reached out to XXXX and they have informed me in customer service emails ( 4x ) that they do not do partial credits. When I reached out to Amex and provided them the information received from XXXX, they said they would investigate, but promised no response back to me and only a credit for {$50.00}. 
They told me they can not assist for the other credits that have since expired with XXXX. I believe this is Unfair and Deceptive marketing practices by American Express and XXXX. The benefit is offered through American Express and charged using my American Express card. They should 1 ) fix the issue with XXXX for myself and any other customers ; 2 ) credit me for the remaining {$150.00}. 

I filed a complaint with the XXXX XXXX XXXX ( # XXXX ) on XX/XX/XXXX and received a call from XXXX XXXX with AMEX 's office of the president on XX/XX/XXXX. I was informed that AMEX provided the monthly credit to an XXXX wallet and partial credits should be withdrawn monthly as part of the ride. This did not take place. AMEX advised that after the amount is received within my XXXX wallet that the benefit has been provided, and there is nothing further they could or would do. They advised me further that an old Amex card # is linked to my XXXX profile that may have caused the credit not be to applied, but I should have received a partial credit. Through research online I was able to determine that XXXX changed their wallets and how partial credits maybe applied depending on how a User has established their profile, which largely impacts Amex benefits. 

I have since deleted my profile within the XXXX App and created a new profile, and in XX/XX/XXXX received the partial credit for the first time. 

This seems to be a known issue of AMEX benefits based on internet research, which through their partnership with XXXX should be rectified. This benefit was offered and then operationally changed in XX/XX/XXXX without customer awareness ultimately allowing the two companies to benefit from customers unknowingly not receiving the benefit ; thus, decreasing the cost to offer the benefit and increasing fee income by AMEX through increased credit card spend.
Product: Credit reporting or other personal consumer reports

RE : Equifax Dispute Confirmation # XXXX I've submitted at least 6 disputes to correct my CURRENT residential address. I've also submitted PROOF of my current address : recent copies of my past 2 lease agreements + a current utility bill which shows how l 've been at my current address. However, Equifax is ignoring my evidence and not updating my address on my credit report. Furthermore, Equifax suddenly changed the address after reflecting my correct, current residential address for almost 18 months. I then tried to call to ask them to update it and actually REVIEW the evidence submitted, yet they ignored it. I asked them why they suddenly changed it to my old address, but they couldn't provide me an explanation. The process they have in place to dispute my personal information, in this case my residential address, is faulty because they do not review the documentation submitted as proof. They can not even tell me why they changed it back to my prior address to begin with. I am therefore filing this complaint because their whole online dispute process is fraudulent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

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

I have deposited a XXXX XXXX dollars check to my account in XX/XX/2023, but as of XX/XX/2023 money has not been released to my account or returned to the payee. 
On the XXXX XXXX dollars check the first 2 letters of my first name was misspelled. 
However, the check went through and the XXXX XXXX dollars was pulled from the payee 's account but my bank never released money to my account. My bank put on hold that money for so lang for almost 6 months. I have been asking my bank either release the money to my account or return the money to the sender or payee, so they can re-issue another check. Since the money is pulled from the payee account, so they have to get the money back to their account before reissuing another check to me. 
Now finally my bank locked my account, so I no longer access that account where I had already some money but I am not able to use that money anymore.
Product: Credit reporting or other personal consumer reports

First I want to bring to your attention I have been battling this issue since XXXX ( per ) XXXX supervisor at XXXX AND XXXX EQUIFAX on XX/XX/XXXX. THAT SAYS ALOT. 

on XX/XX/XXXX I spoke to XXXX different reps at EACH company addressing the FCRA VIOLATIONS XXXX AND EQUIFAX is under. ( trying to help them fix the problem. THEY CHOSE NOT TOO. 

on XX/XX/XXXX I for the last time called and explained they are reporting information on my credit report AGAINST MY RIGHTS. WHY IS IT STILL REPORTING? THEY ( EQUIFAX AND XXXX WOULD NOT ANSWER THE QUESTION. 

on XX/XX/XXXX I spoke to a rep name XXXX who told me she could not help me and she had no supervior to speak with. ( EQUIFAX ) ON XX/XX/XXXX XXXX. I SPOKE TO A REP at XXXX NAMED XXXX. she told me after i explained to her the violations being held over XXXX. to file a CFPB COMPLAINT. because she was not authorized to remove the account. 

this account is a XXXX ACCOUNT. I HAVE EXPLAINED TO THEM THE REFERENCE NUMBER WAS WRONG. 
-THE FILING DATE IS WRONG -THEY WILL RESPOND AND SAY THEY VERIFIED THE INFORMATION WITH THE ( XXXX COURT ) - I called the XXXX COURTS and they stated " they do not at all verify or communicate with the CRA '' THEY SENT ME A LETTER EXPLAINING THAT CONVERSATION. 
-THE LETTER WAS SENT TO BOTH EQUIFAX AND XXXX. 

THEY HAVE VIOLATED FCRA LAWS, MY RIGHTS, AND DAMAGED MY CREDIT REPORT. DUE TO NOT FOLLOWING THE LAWS. AND BLANTLY LIEING ON THIRD PARTIES WHO DO NOT AT ALL HAVE THIS INFORMATION. 

- THEY NEVER COMPLETED A FULL INVESTIGATION -THEY WILL IGNORE MY LETTERS WHEN I ASK FOR THE METHOD OF VERIFICATION -THEY WILL IGNORE THE FCRA LAW THAT SAYS PROVE IT OR REMOVE IT. 

- THEY IGNORED 15 U.S.C. 1681 ( T ) RELATION TO STATE LAW -THEY IGNORED 15 U.S.C. 1681 ( B ) PERMISSIBLE PURPOSE TO CONSUMERS REPORT.

THEY HAVE IGNORED AND OVER LOOKED EVERYTHING I ASKED OF THEM, EVERY VIOLATION I POINTED OUT, AND WILL ( PERIODICALLY VIOLATING PAST THEIR 30-45 DAYS INVESTIGATION TIME ) RESPOND WHEN THEY FEEL LIKE IT THROUGH EMAIL/LETTER SAYING " ACCOUNT VERIFIED '' I WILL ASK METHOD OF VERIFICATION. NO RESPONSE. 

AT THIS POINT I HAVE BEEN VIOLATED MY RIGHTS. AND THEY HAVE ABUSED FCRA LAWS AND SYSTEM.
Product: Credit reporting or other personal consumer reports

I have uploaded and sent letters for proof for account never late and paid in full closed. I have asked for response from companies reporting agent in form of a letter with company header. I have not received anything but items will remain on credit report and the response comes within XXXX. After asking for representative reporting and specific detail of explanation. In written form of a letter bearing the representative signature. Bankruptcy was not reported by courts. It's is personal information that was paid for from thrid party. My Bankruptcy was never in XXXX colorado. And I asked as well please remove cause location is filed wrong and called the courts and sent letters in from court explaining they do not report to to any credit bureau. 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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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

TCF Bank without any prior notice to me in writing or any other form of communication debited my account {$160.00} from my checking account. While I was physical at the XXXX branch completing a transaction with a teller. My account was setup as close to debit since no additional information was available Or documented in my account. After filing a fraud complaint form per XXXX branch manger on duty, XX/XX/2018 at appropriate XXXX XXXX, I was instructed to initiating a police report with XXXX Police. I was promised a follow up in a few days from the TCF fraud department. After not receiving any communication I called a number listed on the Fraud complaint form to my surprise the branch never submitted the forms. 

The representative assured me follow up will be communicated. Days later I was notified the deductible was for a safety deposit box that was open five years prior and the fees was for four years of rental payments. Perplexed I visited the opening branch seeking clarification. The male Teller advises a lot of complaints has been coming in from customers such as mine because there account was debit without knowledge for account setup years prior. I was contacted by XXXX XXXX, TCF supervision of operations responded to my inquiry from the branch visit via a retuned phone call. XXXX explained I should have had a checking account setup for yearly deductions so it wouldnt have been so long before the funds was taken without and communication prior. 

I explained it was indeed setup with a checking account and wanted a copy of all communication concerning the safety deposit box. She explained there was no form of communication linked to my account that could be resent no record of letters or any other form of communication. Despite all other transactions being documented over the five year period. I explained my frustration with not being noticed of the deduction for a transaction that wasnt even communicated to me by any other means prior to the withdrawal. XXXX explained I can contact XXXX since she had no additional information on the letter that was suppose to be generated over four years and nothing could be done about the refund of my account.
Product: Mortgage

I was instructed that, in order to remove my name from a joint mortgage, to get a quitclaim deed. Then the mortgage holder would be required, as per the Garn-St. Germain Act of XXXX and the Dodd-Frank Wall Street Reform and Consumer Protection Act, to remove my name from the mortgage. TD Bank, the mortgage holder has refused to do this. My landlord is selling and I must leave my current rental unit this summer ( XX/XX/XXXX ). I can buy a house for lower monthly payments than renting. But TD Bank wo n't take my name off the mortgage. Below is a detailed description : My husband and I have been legally separated for almost XXXX XXXX XXXX XXXX  years : My husband lives in the house and pays the mortgage. In approximately XX/XX/XXXX, he fell behind in the mortgage payments. So, TD Bank gave us a loan modification, making it a 40-year mortgage. The monthly payments were lowered significantly so my husband could afford the payments. 
Over XX/XX/XXXX, I have been trying to have my name removed from that mortgage. My name was removed from the deed. I called TD Bank and was instructed to fax the quitclaim to them. On XX/XX/XXXX, I faxed the quitclaim from my local TD Bank branch to the mortgage department. I waited, but never heard from them. When I called them, they said they never received the fax. I faxed the quitclaim again on XX/XX/XXXX from my local XXXX store. I waited a few days and called them on XX/XX/XXXX. They said they never received that fax either. I inquired further about having my name removed from the mortgage. I was repeatedly told that the only way to have my name removed from the mortgage was by death or by refinancing. I told them that the Garn-St. Germaine Act/Dodd-Frank Wall Street Reform and Consumer Protection Act says that if I do a quitclaim, they must remove my name from that mortgage without refinancing. They insisted that that was not the case. From speaking to numerous people in the mortgage loan department at TD Bank, I learned that if my husband refinances, that TD Bank no longer offers 40-year mortgages. He will have to refinance doing a 30-year mortgage. He can not afford the payments on a 30-year mortgage. So he can not refinance. So we are stuck in a 40-year mortgage. This is VERY unfair. 
I made my final call to TD Bank on XX/XX/XXXX,  asking to speak to a special loans supervisor in the office of the president of TD Bank. I was referred to a supervisor named XXXX XXXX, who refused to let me talk to anyone higher than he. I went over everything with him that I wrote above just for the record. He verified all of the above. I said that I was now going to have to report TD Bank to the Consumer Finance Protection Bureau and that I was now going to have to contact my Senator ( which I am about to do ). XXXX XXXX finally said he would take my name and number, which I gave him, and would have his supervisor call me back. She never called me back. 
Can you help me get my name off the joint mortgage as per the laws stated above?
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I called Navient today to extend a program I was enrolled in called the Rate Reduction program. It basically lowered my payments and interest rate to be more affordable - I was paying around {$270.00} a month which was great. At the time I enrolled in XXXX of XXXX, I was told I could apply as many times as I needed to extend the program. I called today, XX/XX/XXXX, and the rug was pulled out from under me. I was told that based on my and my cosigners FICO scores that I was no longer eligible. I asked why, and they refused to tell me. I was told that they can not discuss MY credit report with ME. I asked for a supervisor, who told me the same and presented me with what she called interest only payments which were only {$45.00} less than my full monthly payment which makes absolutely no sense. I pressed and continued to ask why this was happening, telling them that I was told in  XX/XX/XXXX I could extend the program as many times as I wanted. I was told nothing is guaranteed and all of my questions remained unanswered. They just kept telling me about the interest only program and to talk to my co-signer. I dont see why transparency would be refused if there was something completely legal and within the rights of the loan servicer that was the reason. I feel deliberately misled and taken advantage of and I do not understand how it is legal for these huge companies ( whose revenue was XXXX XXXX dollars in XXXX   alone ) to abuse people in this way. I want answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Other accounts : # 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: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I have been disputing 2 XXXX accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : XXXX, Experian, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were settled. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are copies of statements, and requests for me to supply XXXX with more information in order for them to investigate the account. I am unclear as to why I need to help XXXX investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

In addition, I have a response from XXXX dated XX/XX/XXXX where they confirmed that they are required to provide accurate information to the consumer reporting agencies and can make changes to their reporting only if its incorrect. However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the 3 bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on XXXX -Dispute remark missing