23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loan was recently transferred from XXXX XXXX to Firstmark Services. Firstmark is now the servicer for my account. They had me register online to receive online services with them. I successfully did this. But now, for no reason, I've been locked out of accessing the account. Everytime I log in, they tell me I have the wrong password and that if I continue trying to log in, my account will be locked. When I try to reset the password, the wesbite says it has no record of my account and told me to call to speak with an agent. 

I called an agent. She could not locate my account. She would not put me in contact with IT. She said she would write a note, and maybe call me in a week. If I didn't hear back from her in a week, that meant that they still did not solve the issue. I asked if I could be issued a work order to make sure that someone was following up on this. She says they don't do this. 

This is unheard of. I've never heard of an organization with online services not having a way for someone to track IT problems. Without access to my account, I fear that I will be unable to make timely payments and I will be in arrears through no fault of my own.
Product: Debt collection

I do not owe debt as claimed by a XXXX XXXX collection agency. I have spoken to agent who has agreed to remove this debt. However, I have had recurring of debt being removed but re-reported numerous times into my credit files.
Product: Credit reporting

I HAVE SUBMITTED SEVERAL DISPUTES TO EXPERIANREGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE XXXX FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE EXPERIAN.
Product: Debt collection

Back in XXXX, I reached out to Klarna about an unauthorized charge. For the past few months, Klarna has ignored my cries for help. They will tell me to call them to investigate. I call in and they don't do anything. I actually will receive emails telling me to call in by a person named XXXX. I even emailed him to say I am calling in. He is ignoring me and the company is refusing to help a loyal user of their services. And they keep stealing my card information and trying to charge me for something I didn't authorize. They are legitimately debiting a card that I have to give prior authorization for the payment to be complete. I am not giving my consent nor will I give my consent to have an unauthorized charge debited from my bank account. I reported them to the XXXX and they will share that they tried to reach out to me to give further assistance. Then why do I have a series of emails ( that I will attach to this complaint ) showing them dodging the problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have rights to privacy. 

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

2. In accordance with the Fair Credit Reporting Act XXXX  Account name, XXXX XXXXXXXX XXXX Inquired on XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, CAXXXX ( has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Beginning in XX/XX/XXXX, I sent a letter to Primary Residential Mortgage , Inc. about the elimination of my PMI. In turn, they sent to me a packet with the necessary forms that needed to be completed and submitted. XX/XX/XXXX, I contacted PRMI regarding the status, they explain that although I sent the forms via their email customer service account, they did not receive them. I resubmitted the forms immediately. XX/XX/XXXX, they said that it was turned over to the proper department, but that I would need to pay {$230.00} to complete the valuation, etc. which I did over the phone. XX/XX/XXXX while checking on the status, I was told that to hold while the agent investigated the situation, then was told that the case was closed by a representative accidentally. She explained that although they had record of my payment, I would need to resubmit a form validating the money. AFter several minutes of discussion, they explained that would now not be necessary. It has been almost three weeks and the situation is to suspended. The request to eliminate the PMI is being intentionally held by PRMI. 

Additionally, I have requested refinance information since XXXX and they have not responded to my requests.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { TRANSUNION }. I believe these late payments are erroneous and do not accurately reflect my payment history. 


ACCOUNTS : XXXX  - XXXX INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENT : XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Debt collection

PRESSLER, FELT AND WARSHAW LLP are attorneys for a creditor of a credit card I had, I have enrolled in a debt settlement program and an agreement was reached between my debt settlement program and this attorneys. On Friday XX/XX/XXXX I received a letter from these attorneys notifying me that and application to garnish my wages was being made even though this attorneys are receiving monthly payments on the account in question from the agreement reached with my debt settlement program, I would like to know why they are trying to garnish my wages if they getting paid for the account monthly, I tried speaking to them and they said since I am enrolled in the program they can't speak to me, I tried calling the attorney on the case and the attorney does not answer my emails or phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are two addressess I have never lived at and I have no idea who they pertain to, these addresses are   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax by Mail for the months of XX/XX/2021, XX/XX/2021 and XX/XX/2021 about XXXX XXXX account with a balance of {$64.00}. This balance is reporting incorrectly and Equifax continues to verify this as accurate.
Product: Checking or savings account

I am an elderly man. I have banked with BofA for 46 years. I set a bill pay to pay {$9500.00} to XXXX XXXX XXXX Collector that would arrive by XX/XX/XXXX. BofA indicated it was sent on XX/XX/XXXX as a draft. The payment was not deposited to XXXX Collector account until XX/XX/XXXX. Tax collector charged my account {$960.00} late charge, as the payment was due on XX/XX/XXXX. The Tax Collector would have used the postmark on the check envelope ( XX/XX/XXXX ) as a delivery date, but the envelope was bulk mail/pre-sorted and did not have the standard postmark, thus the assessed late charge. I called BofA a number of times notably XX/XX/XXXX and opened XXXX # XXXX. They would call tax collector and ask for late charge waiver. On XX/XX/XXXX BofA responded via Messages in my online account, and indicated that the Tax collector would not divulge public information. I called tax collector, and they said it is all public information. Called BofA on XX/XX/XXXX and they attempted a call back to tax collector and were denied the waiver request for late charge. BofA sent me an online Billpay Message on same date and stated they would refund the {$960.00} and the funds would be in my account in XXXX business days. Called BofA on XX/XX/XXXX was told the payment refund was not made due to the internal request not being completed properly, it now had been rectified and the refund would be made in XXXX business days, again and online bill pay message was sent to my XXXX center and payment would be made to my account in XXXX business days. On XX/XX/XXXX I called BofA and asked where my money was. I was told first it had been declined, then that the third party XXXX ( who handles online bill pay ) was responsible for it. BofA then cold transferred me to XXXX and I went through the process again, I then was told it was continuing through the approval process and money would be in my account in XXXX business days. I questioned that again, then the response was changed to follow up in XXXX business days, and that it would not be paid in XXXX business days.
Product: Credit card

I had a secured credit card for {$500.00}, I called on XX/XX/year> to closed my account and paid off the balance using my own security deposit, the agent on the phone call advised to paid off the XXXX in order to have a {$0.00} balance. I authorized the payment, the agent informed me that the balance will remain on my account for a few business days because we did the transaction on a late afternoon on a Friday. I received a late fee email this morning and check my balance it was over {$52.00}. I called and spoked to a Senior account XXXX her name is XXXX ID # XXXX and put me on hold for over XXXX minutes to " review the XXXX minutes call '' she informed me that I was informed in advance of the interest charge for the next statement and she was unable to reverse the late fee of {$40.00} dollars. I asked her why I was getting charged {$40.00} late fee instead of {$25.00} she told me that is because the terms and conditions states up to {$40.00} for late fee. In my entire consumer experience with Capital One NEVER had a late fee over {$25.00} looks predatory in my eyes that they knew this was my last late fee with this credit card and they decided to charged me {$40.00} instead. This was a terrible experience and their ethics standard is very questionable.
Product: Student loan

Was given 3 student loans from sallie mae one for {$7400.00} with an interest rate of 8.375 %, the second {$26000.00} with an interest rate 6.625 % and the third for {$23000.00} at an interest rate of 12.375 % after taking a forbearance in 2012. Now the only option Navient can give me to get a lower interest rate is to have my parents refinance their home, probably so it's no longer a 'student loan ' and not their problem. I am looking for actual options.
Product: Checking or savings account

I was declined a reimbursement for a transaction that was clearly fraud from an individual named XXXX XXXX through XXXX in the amount of XXXX on XX/XX/22. I contacted USAAFSB For help on XX/XX/22 and they did a quick look into it and denied it.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I went on to the XXXX and ordered all three credit reports from XXXX, XXXX XXXX, and Experian.
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I only received one from XXXX XXXX, which was dated as XX/XX/XXXX and file number XXXX XXXX, which contains all the same information with different collectors name on it.
This is further committing FRAUD on the part of those on the report, since all the prior loans were defaulted and non-response on validation. I wish to be compensated for the damage this XXXX XXXX slandering my reputation with non-existing accounts they created. XXXX XXXX is supposed to verify the validity of the account before they put on the credit report. I wish to be compensated by XXXX XXXX for each alleged creditor {$1000.00} which is 39 times XXXX equal to XXXX by XX/XX/XXXX, and XXXX XXXX is agreeing to pay me {$500000.00} byXX/XX/XXXX, if I do not receive the XXXX by the end of XX/XX/XXXX.
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Because of their Fraudulent report, me, my son, and my daughter had to suffer paying higher interest, and denied employment, denied credit card, and denied to a loan.
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For the XXXX, who used somebody else 's name on my request and denied report this year, I wish to receive the perfect, clean credit report from XXXX beforeXX/XX/XXXX. After this date, if the XXXX does not send me the clean, perfect credit report, XXXX is agreeing to pay me {$50000.00} dollar by the end of the XX/XX/XXXX
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For the Experian, who reported all the defaulted on validation for alleged loans, I wish to receive perfect, clean credit report byXX/XX/XXXX, if not, Experian is agreeing to pay me {$50000.00} dollar by the end of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Regarding my dispute number XXXX with Experian.Firstly, unable to provide sufficient info explaining reason for dispute due to very limited text ability when submitting dispute against a XXXX  provider placing me in collections that reflect negatively on my report for alleged unpaid medical bill that wasn't either 1. Billed incorrectly to appropriate insurance 2. Billed me after XXXX  XXXX  terminated my coverage even though at the time I was covered, but insurance decided to retro terminate coverage without my knowledge so provider billed significantly later and not at the time of service. This is according to new rules & regulations XXXX for appropriate medical billing and collections. I have provided rule codes and how they apply to what and how medical billing can not be reported on consumer credit reports. Due to my own illness I have been on XXXX and was in between private and government assistance insurance ( XXXX ) which is when I believe the error occurred. Even after providing this information to XXXX provider they refused to bill updated insurance and instead started billing me directly almost 8 to 10 months later then eventually sent it to credit bureaus even though new laws passed on Texas has a " timely billing '' law. It requires health care service providers to bill a patient no later than the first day of the XXXX month after services were provided. If the bill is not sent within the timeframe in the law, the health care service provider can not try to collect payment for certain charges ( XXXX XXXXXXXX ). Experian decided to update the collections payment reporting starting in XX/XX/year> instead of removing medical bill. They did not ask for further clarification or any other documentation, only a very limited reason for dispute which i could only use up to certain text count THIS BROUGHT SCORE DOWNEVEN MORE WHEN THEY JUST DECREASEDIT NOT MORE THAN A MONTH AGO. MY punishment fire disputing was a DECREASE in my score!! And they INCREASE AMOUNT DUE from {$2000.00} to {$2100.00}!! So it's noted twice on my report!! Please I have worked almost all my life to maintain my credit even now that I'm sick and going through hardship raising my special needs son i can't afford to have anything negatively reflecting on my account especially if it's not justified. I commit to paying all my bills but these substantial medical bills will destroy me and my son from moving forward in life. I thought that In 2025,12CFR sections 1022.3, 1022.30, and 1022.38 of this rule were amended to remove medical debts from credit reports? I just humbly request your assistance in settling my dispute that all three credit bureaus remove medical bill of {$2100.00} and {$2000.00} that now come from the same XXXX provider totaling {$4200.00} which makes no sense just because I disputed! THE PROVIDER IS " XXXX XXXX XXXX '' again Experian has now listed them twice as in two seperate companies with two seperate collections because I disputed how does this seem ethical to do to people, please help me i humbly and kindly request your attention and assistance to this matter.
Product: Credit card

I received a Chase XXXXXXXX XXXX XXXX XXXX  on XX/XX/2024. I checked my account to see that there was a new credit inquiry under my account. I called Chase and alerted them that I had not opened the card. They determined that the card was opened fraudulently and closed the account.
Product: Debt collection

The month XXXX XXXX and XXXX I have sent checks to Hunter Warfield INC they are not reporting on time or not reporting at all at the same time they are not returning my checks the amounts reported are not equivalent to what I have payed down. 

Also this debt decision was unfair considering that they are two parties involved they have decided to go after me individually when XXXX clearly knows the other parties involved
Product: Mortgage

I tried to submit a loan payment, in full today my account today the online portal. My access has been blocked. I call the customer service department and was told the only way I could make a payment would be to pay via XXXX XXXX XXXX XXXX XXXX, or mail a check. After visiting several wire transfer location, either the system was down or the location had a transaction limit that was lower than the amount I need to pay. How can a lender restrict my ability to pay my loan, risking damage to my credit?
Product: Credit card or prepaid card

XX/XX/2021 : Netspend All-Access by XXXX sent me an unsolicited 'debit ' card with instructions to setup direct deposit and to activate my account. 

I did not apply for this account/card. 

To the best of my knowledge, I did NOT authorize any parties to distribute my information, or open accounts in my name. 

This company ( from internet articles ) is known for the practice of sending unsolicited 'debit ' cards to people after an account was opened by an 'affiliate '.
Product: Money transfer, virtual currency, or money service

My debit card was lost and someone hacked my account and used zelle to collect XXXX. I dont have an acct with zelle or their mobil app.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as such, I am requesting that you block and delete the following accounts, as well as any related inquiries, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These statutes provide me the right to request the removal of fraudulent information resulting from data breaches. 
The following accounts and inquiries need to be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX. XXXX FUNDING - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00} XXXX. XXXX OF XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} Inquiries : XXXX. XXXX - XX/XX/XXXX XXXX. PASSPORT XXXX - XX/XX/XXXX
Product: Mortgage

Creating a new complaint to respond to the response Suntrust had provided to our earlier complaint - apparently CFPB process does not allow follow-up to a vendor response. Here is our response : First, please provide documentation as to bill amount that Suntrust knew when it made the payment on XX/XX/XXXX. When I had contacted Suntrust earlier they had told me that they electronically verify the amount with county before making payment and that they will provide me such document. Second, even after contacting Suntrust on XX/XX/XXXX, bill was not paid in time while interest kept accumulating - as of last check this interest was {$440.00} as opposed to {$290.00} when I had contacted Suntrust. It is unacceptable the time Suntrust took to pay the bill and we should not be responsible for or penalized if Suntrust can not make its processes efficient.