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

I tried to use the advertised return benefit protection on my card for a purchase made on XX/XX/2020. Its an absolute pain to start a claim with WF because they're website and claim forms are all directing to different phone numbers with terrible customer support and missing key information eg. where to send documentation for a claim. 

I received an email after submitting the claim from XXXX XXXX  @ XXXX XXXX ( apparently two separate benefit providers for the same WF XXXX card protection ... thats 4 different companies involved for one benefit ) and was told to call a phone number for instructions. After over 2hrs and 10+ phone calls being bounced around by offshore customer service reps, I got disconnected for the last time and gave up. This is a terrible experience trying to send in the item that I opened the claim for. The last rep said " my contract had expired '' ... what contract? I submitted a claim ... I dont have any contract. I was then sent over to a contract team where I was promptly hung up on.
Product: Student loan

In XX/XX/year> I took out a loan with MEFA for {$23000.00}. I was XXXX with no credit so my dad cosigned it. I made a payment of {$130.00} every month for XXXX YEARS and not a dollar went towards the principal balance. It was explained to me and my dad that we would pay the interest during school so we would pay less interest once I XXXX. My principal balance stayed at {$23000.00} even after paying over {$6000.00} the first 5 years. That it self is horrible. Now, I am XXXX and make a payment of $ XXXX {$400.00} a month to try and lower my balance. I pay ( not my dad ) around {$4000.00} a year for this loan. However, because my dad is a cosigner the tax forms are in his name so I can't use the tax benefit and because I am not a dependent - he can't use the tax benefit. I am unable to have a cosigner release. I have tried multiple time after paying my monthly balance on time for over 8 years and still no. This is not ethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : This account is in violation OF 15u.s code 1681A consumer right to privacy this bankruptcy shouldn't be on my credit/consumer report XXXX Please remove this bankruptcy from my public record This account is in violation OF 15u.s code 1681A consumer right to privacy this bankruptcy shouldn't be on my credit/consumer report XXXX Please remove this bankruptcy from my public record
Product: Checking or savings account

XX/XX/2014 accounting was open due to identify fraud and I call Bank of America and no answer I was under age inXX/XX/2014
Product: Mortgage

I have tried for days to reach this company for service on my existing VA loan. I have waited on the phone for hours, been told a return call would be made, it never was. Been promised someone would call me, they never did. I have written messages on their message board and all you get it more lies and empty promises. I have written letters, sent fax, all to no avail. 

All I want is to have my loan serviced and my questions answered. This is the worst service I have ever had with a company.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have occurred despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices, were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

Good evening, In XXXX of 2023, I lost my job and have been out of work. Because of being out of work I am not able to make my student loan payments and was dropped from the repayment program I was in. From XXXX of 2023 through the present day I have reached out to Navient asking if I could put my loans in forbearance, they stated that I no longer have any time left and there is nothing they can do for me. In XXXX of 2023, I noticed that I received an email from Navient stating that I was re-enrolled back into a payment plan. I never agreed to be back in the program as I still don't have study income to keep up with the payments on the loan. Once again I asked if there is anything you can do to help out with my current situation. Each time I call which has been once a week, I have received different information about my case. I believe that Navient does not have a clue about how to handle my situation. On XX/XX/XXXX, I received a letter stating possible litigation. I believe that Navient has unfairly handled my case and does not want to help. I can't be the only person in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Bureaus, XXXX, Experian, & XXXX are reporting accounts that were not authorized by me. 
I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.
Product: Debt collection

I received a letter dated XX/XX/21 on XX/XX/21. This is part of a workman 's comp which was taken care of. Professional Finance Company called me on the day I received the letter and on XX/XX/21. I did not have time yet to send a dispute letter. They are suppose to give me 30 days under the FDCPA.
Product: Payday loan, title loan, or personal loan

I was approved for a {$5000.00} personal loan from First Tech Federal Credit Union on XX/XX/XXXX. After a review, I was informed that there were issues identifying me even after I had provided normal identity documents. I was told that my loan could easily be processed if I could go into a branch over 1000 miles away. So on XX/XX/XXXX I went into the XXXX branch provided normal identity documents, then my birth certificate, a letter from the social security department, several credit cards. So upon requesting an update, I was informed the bank employee believed I was self employed, and that to complete my loan id have to provide tax information. I provided W-2 for two years, they then requested completed returns, I provided completed returns. Now they said they needed additional verification of my social, I provided a picture of my card, a letter from SSA.gov of me ordering a new card, a letter from the SSA verifying my ss numbers, then the new card, front and back. I was then informed that my approved application was denied per not being able to identify me. I leaped every requested hurdle, and policy and could only be denied by racial discrimination. I even questioned how if I wasn't identified how my account remained open for days, after my question, my account was disabled for fraud, while there hadn't been any transactions except the initial opening.
Product: Debt collection

XXXX XXXX XXXX was discharged in my bankruptcy but as soon as my bankruptcy was completed and closed, I started to receive letters from XXXX XXXX, Account Manager of Financial Recovery Services , Inc. XXXX XXXX XXXX, XXXX , MN XXXX, XXXX trying to recover payment ( overnight to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , MN XXXX ). Financial Recovery Services , Inc. lists the current creditor as XXXX XXXX XXXX and the original creditor as XXXX XXXX XXXX XXXX. I responded advising that this debt was discharged in bankruptcy via mail. I have tried numerous times to reach the toll free number of XXXX -- XXXX but there is never anyone to answer and the voicemail is full.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a CFBP complaint # XXXX stating the following I did not consent to authorize nor benefit from any of the following inquiries XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. And requested Experian removed the inquiries listed in the FTC Report. Experian did not comply to my request and is currently in violation and I will seek litigation if this matter is not rectify. I submitted proof of my identification and provided Experian authorization to remove the requested inquiries.
Product: Debt collection

in accordance with the fair credit reporting act XXXX  account # XXXX, ( WAKEFIELD & ASSOCIATES ) Has violated my rights. 15 U.S. Constitution 1681 section 602 A states i have the right to privacy. 15 U.S. Constitution 1681 section 604 A section 2. Its stating that the consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

Wells Fargo Financial National Bank owes me a refund for overpayment on a pay-off for a XXXX XXXX XXXX Account they serviced. The payment was made by a XXXX check and I was told the refund could be sent to my XXXX account. Payment was sent on XXXX XXXX, 2016 ; I called Wells on XXXX XXXX and I was told my a customer service representative that I have to wait until the check clears ( I saw in the online system that my balance was XXXX and the amount of the refund due. I called again on XXXX XXXX, and I was told that I had to wait 15 days for the check to fully clear and a refund would be issued by check. Since I did not receive the refund, I call Wells this morning concerning the status and was told by Customer Service Representative XXXX ( I am not sure if I am spelling the name correctly ) that he would put in a follow-up notice. I told him I wanted to know the status after waiting almost a whole month, and would like to speak with a manager. I was connected to XXXX and I re-told my story. She said that the check would be mailed out today, and I asked if it could be expedited, and she said she could not do that, but suggested that it could be deposited in one or two days to an account where the check came from that I must verify. I proceeded to give here the routing and account number for XXXX, and that she said was not what she had. I then gave her my XXXX routing and account numbers, that too did not match. I told her I was unsure what she was looking for since my payments were made by EFT from my XXXX account, and some from my XXXX account. I never sent a physical check. At this point she told me a check would be sent in 7-10 days, and the conversation was discontinued. Why could they not credit the refund to the account they received my payments from every month which would get to me quicker than regular mail?
Product: Credit card or prepaid card

I paid both of my capital one credit balances on XX/XX/2021. Payment cleared on XX/XX/2021 and capital one closed both credit cards on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has decided to retaliate against me for the complaints I have submitted. In XXXX I submitted my payment, apparently their was an increase in my payment due to property tax increase so they placed my payment on hold and did not post to my account and caused it to look like a 30 day late for XXXX. In XXXX the following month my house was sold and loan was paid off in XXXX, they continued to report a 30 day late for XXXX. I have attempted to resolve with them and the reps hang up on me or say no supervisor is available. I also was told a dispute was submitted but its all lies. I need help please. It seems as though they have decided to retaliate against me. I was previously in forbearance years ago due to XXXX. My dads wife died of XXXX and then he was sick and I had to care for him for over a year until he was better. I had no choice I had to quit my job to take care of him. I dont understand why this company has treated me like this. This is so unfair. They got their money I am done I dont owe them anything. Look at all my previous complaints through CFPB and other people saying the same things. I cant find a home to rent because they ruin my score recently. Please help us. XXXX told me I had to sell my house or I was going to lose my house. I did as they told me. Now I dont have a house or apartment because my score has been damaged by this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute Incorrect Payment History Dear XXXX, I am writing to request a goodwill adjustment for a late payment that is on my account. Upon reviewing my report, I noticed discrepancies regarding my payment history for the following accounts : [ XXXX XXXX Account Ending in XXXX The payment history indicates a missed payment for XXXX, XXXX, XXXX which is incorrect. I always make my payments on time and make efforts to fulfill my financial responsibilities. I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on an account as late of any purpose. 

I am asking that these late payments be updated to current. Thank you.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX. per the law these accounts should be blocked and or removed within XXXX business days. i have supplied proof of address identification, and proof of ssn.
Product: Credit reporting or other personal consumer reports

My personal information was stolen in 2024, since then I've been seeing a lot of unauthorized inquiries and accounts. I've attached a Federal Trade Commission report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX XXXX : XX/XX/year> : XXXX : XX/XX/year> : 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 handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts/inquiries in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts/inquiries are unknown to me. Also, the information you provided on some accounts/inquiries are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts/inquiries are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
Inaccurate Names : XXXX, XXXX, P XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses : 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 ; ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; Accounts : 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Date XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, CERTIFIED CREDIT REPOR Inquiry Date XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to provide a summary of my repayment progress for the title loan I received. To date, I have paid {$1500.00} toward the loan, demonstrating my commitment to fulfilling my financial obligation. 

Despite my efforts, I am experiencing ongoing harassment regarding the remaining balance. I have kindly requested a detailed breakdown of my loan status, including applied payments and any outstanding amounts, to ensure transparency and accuracy. Til date I have not received documentation.

I have been harassed daily and apparently the amount Ive paid was only for interest and I owe another {$1500.00} this is absolutely ridiculous and a scam. I need someone to look into this situation ASAP.
Product: Mortgage

During the entire process the person that handled the loan ( XXXX XXXX ) that works for the bank quoted me certain numbers, rate, and downpayment amount. Once the appraisal was done of the property the rate increased and I was told if I increase the amount of the loan to include the {$5000.00} ( the property appraised at {$5000.00} more than what he was asking ) The original amount was {$320000.00} when the appraisal was done it appraised at {$320000.00}. XXXX XXXX ( the person handling the loan and paperwork ) stated that if I increase it to {$320000.00} which would take the equity out that it would be less I would have to bring to closing, she assured me that it would help me, however after I agreed to take the equity out, she increased my rate from 6.75 % to 7.25 % and then added additional fees, so that she ( XXXX XXXX ) can keep the {$5000.00}. She told me of how it was important to make my first XXXX payments and if I didn't the mortgage company would make her pay her commission back to them. She constantly rush me through the deal once she knew that this was my first time buying a home. Throughout the entire process XXXX XXXX told lie after lie regarding this loan. She stated that she increased the rate so that it would save me money in the end. All together my loan was for {$320000.00} XXXX received {$15000.00} from the seller for closing cost and I had {$11000.00} for my downpayment, XXXX never explained that i had to have closing cost and the 3.5 % downpayment I was repeatedly told that all I needed was the 3.5 % for the downpayment
Product: Credit reporting or other personal consumer reports

To whom it may concern I have these closed accounts with Discover Bank. DISCOVER BANK Closed on XX/XX/XXXX and DISCOVER BANK Closed on XX/XX/XXXX. Discover agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to transunion, XXXX and experian or any other credit reporting agency.
Product: Checking or savings account

I was the victim of an elaborate internet phishing scam. They gave me a check to deposit to the bank and I took it to the bank and asked the teller and manager to check to see if the check is official. The person who scammed me was posing as an XXXX employee. The tellers said everything was okay and deposited the check. When they asked me to send the money to a third party I realized it was a scam and told the bank that it was. They said they could not do anything until the check bounced and could not protect my account. I filed a police report and contacted XXXX directly about the fraud. They opened their own investigation. Now ; my account was overdraft almost XXXX when the check bounced and I planned on paying the money back once I could, but the bank closed my account. Ive contacted them multiple times about the fraud and theyve said they couldnt do anything and now Ive gotten a letter that my account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXACCOUNT # XXXX, XXXX XXXX XXXX/ ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXACCOUNT # XXXX., XXXX XXXX/ACCOUNT # XXXX, XXXX XXXXACOUNT # XXXX, XXXX XXXX/ACCOUNT # UNKNOWN, 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
Product: Debt collection

Hello this is XXXX XXXX i am a XXXX XXXX. i have sent out a 30 day 609 validation later and a 15 day vitrifaction letter for my client XXXX XXXX. i have sent out the 15 day letter out on XXXX XXXX and the 30 day letter out XX/XX/XXXX XXXX i haven't received any response back from the 3 credit bureaus XXXX , XXXX and Equifax or we haven't seen any changes on her credit report. it has been passed over 90 days now. they have field to provide her proof that the debt is hers. she contact them numerous of time and told them that there is incorrect information on her credit report. i reported to them to delete incorrect information such as, addresses, names, jobs, car loans and they have field to do that as well.
Product: Debt collection

Hey my name is XXXX XXXX and I had items that report to my credit report that does n't belong to me. I have submitted documentation to each party that is involve : credit bureaus, creditor and collection agency. Still no one has resolve this issue. The account t listed below DO NOT BELONG TO ME!!! Account Name : Stellar Recovery Account # : XXXX Amount : {$440.00} Please remove this account immediately and send an updated report. If not I 'm will to submit another complaint if needed to resolve this issue.