23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been a customer for Best Buy since 2009. I have always paid on time in store with my checking account I have been charged for a debit protection benefit that I was not aware of until I disputed my XX/XX/XXXX statement for fees charged for being late and I was not late and was not given credit for XXXX additional payment. When I was told I was paying for a debit disability, that I was paying for, I filed a claim and was denied because they said I did not soon enough and they would not pay. My disability is permanent and not temporary and they are still charging me the debit disability fee but will not pay the benefit. I have completed 2 forms and sent to them and all information of my disability and proof of my Social Security disability .Since I have paid the debit disability fee for over ten years I want them to honor the disability insurance that I have paid for and still being charged the fee. Or refund amounts paid for disability fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1400.00} ; XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX
Product: Mortgage

We were declined for a refinance on a mortgage. We received a loan package as if we were approved but didnt know we were declined until we tried to submit our documents. Our loan officer never reached out to us during this process and we feel there were discriminatory practices during our application process. We dispute the reason for the decline including foreclosure and judgements. We have none because we had a XXXX  XXXX bankruptcy that was discharged in XXXX and also our mortgage payments were made to Wells Fargo at this time. We feel that we were declined due to redlining and no one from Wells Fargo assisted us during the application process. We would like to have someone explain to us how a XXXX couple with a high six figure income can rejected due to reasons that appear to be inaccurate and discriminatory
Product: Student loan

Navient  has denied me payment plans that would meet my income and Now that I am back in school they refused to put my loans into deferment. I have been arguing with them for over 2 years now to please take my loans off my credit report as defaulted. I have not defaulted on them. I have been in school and yes, I did take some time off due to personal health issues but I have never even been out of school for a whole year since  2013 . When they told me I could n't be deferred I was blown away because I was told that I could be deferred up until  1st year after graduation. I then even tried to set up a payment plan with them just to keep it from hurting my cred  it score an d was told I would have to pay  XXXX  $ a month and was denied anything lower. Now because they would not give me a reasonable amount that I could afford and wo n't defer me even though I am a  XXXX   XXXX   XXXX  attending  XXXX   XXXX  I am being denied for personal private loans and all loans or help because of the derogatory remarks and Navient saying I have failed to make payments. I need money to help pay my rent and bills and ca n't get help. I ca n't get a credit card I ca n't borrow for anything. I do n't think it is fair that they have been able to deny me help also because they should have to borrow to me since they caused this. For  over two years they have been destroying my credit score and refuse to h elp me
Product: Credit card or prepaid card

On XX/XX/21, my son use my mobile phone to purchase three games off XXXX XXXX. One was for {$110.00} and the other two are for {$69.00}. Capital One refunded {$110.00} but the other two charges they wouldn't refund. As all three of these charges weren't authorized by me and my son accidentally purchased them I would like the two charges for XXXX back
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card issuing company reported that I was over 30 days late on a payment. It turns out that the company had switched me to an electronic payment system instead of sending a paper invoice. If I had agreed to this change it was probably hidden among other matters and not in the forefront. I really do not remember agreeing to such a change. 

When I became aware of not receiving a bill about the same time that they sent me note saying that a payment was returned unpaid. On XX/XX/XXXX I called Bank of America ( XXXX XXXX ) and was told that my payment was returned. She could not tell me why. But I specifically ask that I get a bill right away in the mail and that I wanted to pay it to avoid any credit problem. She ( XXXX ) said she would do it. Then I decided to call back and I talked to XXXX XXXX. She told me I owed {$120.00} so I gave her bank payment information and she gave confirmation # XXXX. So I thought it was paid. 

But then I finally get a paper bill that I had asked for and it showed that my balance was {$130.00} with fees charged. I had already suspended use of that card. 
( 1 ) So, Why did they return my on time payment in the first place. That account always had sufficient funds. 
( 2 ) Why when I talk to this company did they not honor my intentions and show that my payments are good and would be made. ( Never a late payment since being a customer ) ( 3 ) Why would they blemish a credit report of a long term loyal customer? 
I did send my check # XXXX for {$130.00} on XX/XX/XXXX before I had received their bill. 

I think that Bank of America should erase that late payment off my account and I should not have to pay a returned check fee unless they can show a valid reason for returning it. I no longer need or wish to do any business with this credit card company. I hope that other customers are treated a little better.
Product: Mortgage

My house loan was sold to Fay Servicing last year and I have been charged each month to the escrow account. The problem is that I have paid all the insurance and property tax myself and the escrow account does nothing literally. I contacted them several times via email and phone to close the escrow account and get refund and they always say that it requires some time. 

The total amount of refund should be {$11000.00} till XX/XX/30 if I did the math correctly. Meanwhile the escrow account is still open so I'm still enforced to pay that extra money. I'm talking with a lawyer about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Violations of FCRA by XXXX XXXXXXXX XXXX, Account Numbers Ending in XXXX and XXXX To Whom It May Concern, I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding the actions of XXXX XXXX XXXX which have resulted in multiple violations of the Fair Credit Reporting Act ( FCRA ). The specific accounts in question are those ending in XXXX and XXXX. Despite repeated attempts to rectify inaccuracies in the reported information, XXXX XXXX XXXX  has failed to comply with the requirements outlined in the FCRA, and their actions warrant investigation and appropriate penalties. 

On XX/XX/2023, I sent two separate letters to XXXX XXXX XXXX  disputing the accuracy of information reported on my credit report pertaining to the aforementioned account numbers. In both letters, I explicitly indicated that the dates of the last activity reported were inaccurate and requested verification and removal of the disputed information. However, in their responses, XXXX XXXX XXXX  claimed that I did not specify the specific information I wished to dispute or verify, despite the clear indication in my letters regarding the inaccuracies in the reported dates of last activity. 

Furthermore, XXXX XXXX XXXX  refused to conduct a reasonable investigation into the matter, as required by the FCRA. Instead, they instructed me to contact the major credit bureaus, effectively shifting the responsibility onto me, the consumer, rather than fulfilling their obligation to investigate and correct inaccurate information. This is a blatant violation of my rights under FCRA 623 ( a ) ( 8 ), which grants me the right to dispute information directly with the furnisher. 

Moreover, XXXX XXXX XXXX  suggested that I could submit their dispute in writing to them, despite the fact that my initial letters served as the dispute. This indicates a deliberate attempt to obfuscate and delay the resolution process. It is evident that XXXX XXXX XXXX  is engaging in unfair and deceptive practices, and their actions constitute willful non-compliance with the FCRA. 

Furthermore, I would like to bring to your attention that while XXXX and XXXX have removed the disputed account from my credit report, Experian has failed to respond to my dispute regarding the same. This further highlights XXXX XXXX XXXX  's non-compliance with FCRA regulations. 

XXXX XXXX XXXX  's violations extend to multiple sections of the FCRA, including but not limited to : - FCRA 623 ( a ) ( 8 ) - Ability to dispute directly with data furnisher - 1681c - Requirements relating to information contained in consumer reports- 1681e - Compliance procedures- 1681i - Procedure in case of disputed accuracy I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX  for their egregious violations of the FCRA. Thank you for your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Student loan

Fed Loans acknowledged receipt of my Public Service Loan Forgiveness ( PSLF ) Employment Certification & Application Form on XX/XX/2021. On XX/XX/2021, Fed Loans requested additional time to review my Certification and Application. To date, Fed Loans has not provided any additional updates on my request. 

When I previously filed a PSLF Employment Certification & Application on XX/XX/2021, my Certification was processed on XX/XX/2021, less than one week after filing said Application. The current length of time for Certification is therefore unreasonable. 

I would like Fed Loans to approve my current Certification and Application.
Product: Debt collection

DISPUTE PROCESS # 1 XXXX XXXX XXXX Opened XX/XX/XXXX Amount : {$900.00} Original creditor : 01 XXXX XXXX Overview : You 've paid off 0 % of your collection amount. 
Balance : {$900.00} Highest Balance : {$900.00} Opened : XX/XX/XXXX ( 1 yr, 5 mos ) Account status : Open Type : -- Responsibility : Individual Remarks : Account information disputed by consumer, meets FCRA requirements DIRECT DISPUTE If there 's an error on your report, you can submit a dispute without leaving Credit Karma. 

Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DISPUTE PROCESS # 2 : The information below is also part of another dispute process through XXXX XXXX that XXXX refuses to remove negative information from my credit reports. 

XXXX : XXXX Debt Collector XXXX Creditor Balance Disputed XXXX XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX
Product: Student loan

I graduated back in XX/XX/XXXX and have been through a number of financial ups and downs. Navient or XXXX XXXX never gave me the options of an income driven based repayment plan. I bought a business back in XX/XX/XXXX and try to complete the minimum payments when I can. My loan has only gone up since I graduated and they only let me defer my payments. My credit score has been affected greatly by this because at points it becomes a burden to pay for something that the bill does not go down on and so instead of going down it always reports the bill going up. I rather invest into my business then throw money at a loan that never goes down. They have me at XXXX different loans at 6.8 % interest on each. When these loans were done I was unaware of the affect that this might have on my future. This loan is the only thing that has held me back from buying a house or car. I have written letters that stated I did not think the loan was fair and that unearned interest was being added on and they assured me everything was being handle correctly. They didnt give me much information.
Product: Credit reporting or other personal consumer reports

ll of the charges that were XXXX days late in XXXX of XXXX were Fraudelent charges. Citi has acknowledged this and refunded all of the charges. They have not corrected the credit reporting. 

I have disputed this multiple times and it has not been corrected. 

On XX/XX/XXXX, XX/XX/XXXX, a fraudulent XXXX charge was made on my card. Late fees were added while investigation process was ongoing. These late fees turned into late payment reporting. On XX/XX/XXXX, all of the late fees and fraudulent charges were refunded to me because the investigation confirmed it was fraud. 

I was told the credit reporting would be corrected, but it was never fixed and the XXXX days late is still showing on my credit report. 

Please correct this. This false reporting has kept me from obtaining the credit I need, for the last couple of years.
Product: Credit card

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX in XXXX XXXX to potentially restructure my loan. I gave them my SSN and ID so they could run my credit as per usual when going to the dealership. After hours of negotiating I declined all their offers. About 2 weeks after the matter, I was notified on my chase app about a new credit line on my name ( XX/XX/XXXX ). I checked and it said it was opened on the day i went to the dealership, XX/XX/XXXX. I never conseted or was even asked about signing up for a credit card. I wouldve never signed up even if they asked. I tried calling the dealership multiple times, asked to speak to the XXXX and I keep being evaded. I never consented or ever authorized to have this XXXXXXXX XXXX credit card, which I havent even recieved or activated but has negatively impacted my credit score and now I have a new credit line.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

Cottonwood Financial aka CASH STORE. Is charging people 500 % interest, that's insane and scammy. Something needs to be done about this.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Robinhood due to the unauthorized access and breach of my account that occurred on XX/XX/year>. Following the breach, assets in excess of {$8300.00} were sold from my account without my consent. Although Robinhoods customer service acknowledged the account compromise, noting logins from devices and locations not associated with my usage, there has been a concerning lack of follow-up and resolution from their end. 

It has been four weeks since the initial breach. Robinhood committed to return communication within one week after acknowledging the issue, yet three weeks have passed without any update or contact. My attempts to seek clarity on the status of my case ( Case ID : XXXX ) have been met with vague statements about the case being under resolution, but no further progress has been made to restore my funds or secure my account. 

The contradiction between Robinhoods verbal acknowledgment of unauthorized international access and the subsequent inaction to address the resulting financial loss is alarming. This breach, coupled with the insufficient response, has caused significant financial and emotional distress. 

I am requesting the CFPBs assistance in this matter to : 1. Prompt a thorough investigation into the unauthorized transactions on my Robinhood account. 
2. Ensure Robinhood provides a timely and transparent resolution. 
3. Review and assess Robinhoods actions and response protocols in dealing with customer account breaches. 

Your intervention is critically sought to hold Robinhood accountable for their actions, or lack thereof, and to ensure that my financial assets are restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from t heir Consumer Advocate ce nter and they stated that they do not have to update what they consider correct information at that time period. Yet  XXXX  refuses to correct and update this information standing behind their policies.
Product: Debt collection

I received a letter in the mail on XX/XX/18 from Maury Cobb Attorney at Law LLC attempting to collect a debt for XXXX. When I checked Florida Office of Financial Regulation ; I discovered that the company does not a license to act as collection agency in the state of Florida ; which is my state if residence.
Product: Credit card

Bank of America recently deactivated my ability to make payments online. They provided a number to call, but I never get through. I do not have time to wait hours to get a hold of anyone. I 've talked through email and online chat, but those individuals tell me to call the number again. I have n't lost any money yet, but technically I will be paying more interest if I have to mail by payment since they are making it inconvenient. I have never experienced this from my other banking relationships.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a XXXX XXXX XXXX  complaint against Bank of America on XX/XX/2018. I disputed these accounts through XXXX  and XXXX XXXX XXXX. The accounts came back " verified '' with no attach proof. My filing with the XXXX   resulted in Bank of America producing paperwork of transactions that went on with these accounts. That is not what I requested. I specifically asked on the first line of my complaints for copy of the signatures used to open these accounts so I could compare them to my own. I have never opened accounts without providing my signature and my ID. So, Bank of America has completed ignored that request and produced a stack of irrelevant papers containing account transactions and refused to delete their damaging and incorrect reporting. According to the documents it seems no money is owed to Bank of America, but they have listed fraud next to my name in reports with XXXX XXXX XXXX and XXXX. If they are suspecting fraud, they should have no problems complying with my demand for validation of signatures and IDs used to open these accounts. I have a right to know whether or not they collected valid identifying information. It seems they are dancing around this and opened these account for someone and did not collect validating documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit this morning XX/XX/XXXX to find out on XX/XX/XXXX I got two hard inquiries that I did not make one from XXXX  department stores the other from XXXX  XXXX on XX/XX/2021 it says they were made I believe my identity has bench hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open XXXX XXXX car loan in XX/XX/XXXX. Last payment was in XX/XX/XXXX paid off.

They were reporting negative status still. XX/XX/XXXX to XX/XX/XXXX is 10 years item still reporting and its XX/XX/XXXX.

Even if they are reporting from last payment of XX/XX/XXXX item should age off XX/XX/XXXX, I disputed the information and they say it is valid and provided no information as to how long it will remain on my report.
Product: Student loan

My student loan is through Nelnet, well they do reach out and my contact with me. My only problem is that when I reached back out to them I found out that my account was purchased by a debt collector and they were having a hard time finding my account. Absolutely have no idea on who I'm suppose to make my payment to.