23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Took out student loans for my daughter in XXXX for XXXXXXXX XXXX . Principal amount has not change substantially in 17 years. We were misled by Navient on forebearance and other loan management. Navient since has been banned from servicing student loans and a multi million dollar judgement against Navient was to be dispursed to those affected by their misleading and questionable practices. 

After the court judgement banning Navient from servicing student loans any longer, Navient proceeded to hand off our student loan to a company called XXXX without any remedy for how Navient handles our student loans. Other student loans were foregiven by the Biden Administration even though my daughter was in public service, XXXX XXXX XXXX XXXX XXXX, her loan that I am paying back was not foregiven. Also the 8.5 % loan rate over the past 17 years is excessive and abusive,
Product: Student loan

I received a letter letting me know that the interest-only payment plan I 've been paying for XXXX years would be ending XX/XX/2017. The letter stated that if I was going to have trouble making the new, higher payments, to contact Navient to discuss the repayment plans. The letter states that an alternative payment plan could help me lower my monthly payment. When I contacted Navient I was transferred to XXXX different representatives. The first woman discussed a payment plan with me, but said she had to transfer me to collections. That representative said she was n't sure why I was transferred to her and transferred me to a man who told me that he had no idea what repayment plan the first representative was talking about and that I actually do n't qualify for any reduced payment plans. He stated that I would have to continue paying the standard amount because I do not qualify, so I 'm confused as to why I even got the letter in the first place and why one person did n't know what the next person was talking about.
Product: Credit card

Hello, complaint against American Express for failing to honor the promotional offer associated with my XXXX XXXX XXXX American Express XXXX ( last XXXX digits : XXXX ). This promotional offer was advertised and promised at the time of my XXXX airline ticket purchase and credit card application on XX/XX/2024. American Express has denied the promotional benefits despite my full compliance with the offer terms. The offer ( XXXX XXXX ) included : {$500.00} Statement Credit To be issued after making the first XXXX purchase within XXXX months of account opening. I have fully satisfied the terms of the promotion, yet I have not received the promised benefits. I applied for the XXXX XXXX XXXX American Express XXXX on XX/XX/2024, during checkout on Deltas official website.My application was immediately approved, and I made a XXXX airline purchase at the same time.Qualifying XXXX Purchase : Date of Purchase : XX/XX/2024 Merchant : XXXX XXXX XXXX, Transaction Amount : {$710.00} Transaction Posted to Card : XX/XX/2024 SkyMiles Account Number : XXXX have contacted American Express customer relations multiple times, yet they continue to ignore my request and have not honored their promised promotional benefits. They have also failed to respond to my inquiries in any form, showing a lack of good-faith effort to resolve this matter. By advertising and promoting this offer, American Express is legally and ethically obligated to honor its terms. Their failure to do so constitutes : Breach of Contract A binding agreement was formed when I applied for the card based on the promised promotional terms.False Advertising American Express used misleading promotions to encourage applications but failed to deliver the promised benefits.Unfair and Deceptive Business Practices Denying rightful benefits after the customer has fully complied violates consumer protection laws. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cashapp, XXXX XXXX XX/XX/XXXX, sent XXXX $ through cashapp to XXXX XXXX from XXXX XXXX on XXXX as they asked for an XXXX  item sale of an item but falsified tracking orders and false info on item that never was shipped or arrived
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN TO GET FRAUDULENT UNEMPLOYMENT ALTHOUGH UNSUCCESSFUL MY IDENTITY WAS THEN USED TO ATTEMPT TO OBTAIN FRAUDULENT CREDIT ACCOUNTS/LOANS IN MY NAME. NO ACCOUNTS WASD SUCCESSFULLY OPEN BUT NOW I AM STUCK WITH FRAUDULENT INQUIRIES REPORTING ON MY CREDIT FILE. I HAVE IDENTIFIED AND LISTED ALL FRAUDULENT INQUIRIES DOWN BELOW SO THAT YOUR AGENCY CAN QUICKLY IDENTIFY AND REMOVE THESE INCORRECT / UNAUTHORIZED ITEMS FROM MY CREDIT FILE. SOME INQUIRIES ARE FROM CREDITORS I ALREADY HAVE CREDIT WITH, AS AN ATTEMPT TO HAVE THE CARDS MAILED TO A DIFFRENT ADDRESS. ( THESE INQUIRIES ARE REPORTING ON MY CREDIT PROFILE FROM ATTEMPTED FRAUD TO GET CARS, AND GOODS IN MY NAME ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX OF XXXX XX/XX/XXXX ) ( XXXX XXXX NA ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX XXXX ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I was at the grocery store and my card declined then I called the bank and they said that my account was negative XXXX but I've never receive the alert to let me know that I'm going over my limit that I had sign up for. I then call the customer service rep the next following day and she told me that you should have kept track of your account by going online .And then I said unto her that I am a single mother of XXXX  and I work everyday and Im in XXXX for my XXXX  and that's why I have chose to set up the alert system to let me know when I get to a certain amount on my account and the bank system fail to let me know when my account reach that limit. 



Please disregard any typo as this information was dictated
Product: Credit reporting, credit repair services, or other personal consumer reports

Only XXXX reporting all accounts. Equifax not reporting correctly. Almost 40 points difference from other bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to lexis nexis I haven't heard anything from them I also requested my report
Product: Credit reporting or other personal consumer reports

I have to refile this complaint to EQUIFAX because they are not taking actions even how hard I tried to communicate with them about the unauthorized inquiries and fraudulent accounts on my credit document that are genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information the accounts. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, and I go by XXXX XXXX XXXX XXXX My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX and XXXX. As a consumer, I have the right for request or potentially constrain you to eliminate them when conceivable inside my government and state consumer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.
Product: Credit card or prepaid card

XXXX refunded me {$720.00} on XX/XX/2023. CITI failed to properly post the refund. This is 100 % CITI 's fault in losing the transaction XXXX sent to them. I called CITI and asked them to find the missing refund, and they said I had to dispute it. I disputed it and send it the e-mail and all the information from XXXX saying a refund was sent to CITI on XX/XX/2023 for CITI to investigate. I was given a temporary credit while it was investigated. Today, XX/XX/2023, I see that CITI has found me responsible and is reversing the temporary credit. I am SHOCKED by the level of incompetence of Citi. First you lose the refund XXXX sent initially, and then reverse the temporary credit. I am just dumbfounded by CITI making 2 huge errors here. THERE IS NO REFUND EVER ON MY ENTIRE ACCOUNT FOR THE CORRECT AMOUNT XXXX SENT OF {$720.00}. Go search all the times XXXX  sent you money on XX/XX/2023, and find the {$720.00} that you must have posted to someone else 's account wrongly and fix this.
Product: Checking or savings account

PLEASE DO NOT CLOSE THIS COMPLAINT. I spoke w/ a representative from the CFPB because your email to me stated ; " call us if you have new information or a recurring problem. '' Well I do & your rep I spoke to said to put another complaint in & let you know I need your help so please don't close this complaint. This is in reference to complaint # : XXXX. Chase bank is still allowing charges to come thru on my account even tho I'm opted out of over-draft protection, causing my account to be negative- {$820.00}. In their reply to my first complaint they lied, they stated these debit card transactions they've allowed thru & paid were recurring charges & and therefore don't fall under being opted out of over-draft protection, but they are NOT recurring, not at all. They are random charges for different amounts & to various different companies. And they're still even today paying charges on the account causing it to go even further negative. None of these charges should have been paid and my account shouldn't be negative. All they did in regards w/ my first complaint was award a " monetary '' amount of {$250.00} for NSF 's they charged me because of all the charges they paid but shouldn't have. I shouldn't have to pay for their mistakes or bad practices. Please they need to be held accountable & I need the CFPB 's true intervention to help me.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXXXXXX XXXX XXXX XXXX - {$140000.00} Inquiry XXXX XXXX XXXX XXXXXX/XX/year>
Product: Consumer Loan

Due to new information I 'm submitting a new issue. This loan was paid off at close of escrow as shown in the settlement document, however, the lender is n't counting it as being paid. My belief is that in the XXXX+ years ago when this was recorded the lender accepted the payoff and then its doors closed. The other case i have open with you is:XXXX.
Product: Mortgage

We had a mortgage with Wells Fargo in 2008. We applied for modification. I called every week to check status. Finally a lady told us your house was foreclosed and sold!!! We were flabbergasted! We never received any notice or information. We went to an attorney who said we could sue for loss of our home, but then they could call the loan ( XXXX ) and did we have that amount? Of course not! So our home with XXXXXXXX XXXX was foreclosed and sold in error and I want restitution!! They foreclosed our mortgage in error and government paid them the FHA. balance.
Product: Credit reporting

Sent certified letters to advise the info is incorrect and letter that creditor agreed to remove. Still not corrected from XX/XX/XXXX
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I presume that no such debt exists. Additionally, I have not received any proof validating this debt. 
as required by law.
Product: Credit reporting or other personal consumer reports

Hello I've provided more than enough details to you guys proving that XXXX  XXXX account was fraudulent and the XXXX XXXX inquiry doesn't belongs to me. I never authorized any of these items. These items are still coming back as verified when i do not own them.
Product: Checking or savings account

On XX/XX/XXXX PNC bank withdrew {$340.00} from my checking account over a card dispute which was resolved. They took this money with no warning and pushed my account negative {$42.00} I have had three charges for less than {$20.00} each come through all of which caused and overdraft fee of {$36.00} each. I contacted PNC on XX/XX/XXXX as soon as I realized my account was negative and asked why they are allowed to withdraw money with no prior warning the response paraphrased was we are sending you a letter in the next 5 to 10 business days to inform you of this. I have just changed jobs and was depending on the money I earned to support my family and pay Bill 's I did not plan on giving PNC any of it. If I lost a despite then fine however a bank should not be allowed to withdraw money without and advance warming to the account holder
Product: Credit card

This is a follow up to report XXXX. XXXX XXXX I was approved for the XXXX XXXX card. It had a credit limit of {$5200.00}. I made two charges, total {$230.00}. I tried to use the card two more times at gas stations. The card was declined. XXXX XXXX I returned to XXXX to finish my XXXX XXXX XXXX XXXX  My bank made a payment for the full amount on XXXX XXXX for a payment due date of XXXX. The XXXX XXXX statement arrived with a {$30.00} late fee. My father called them and stated all of the above. They would not talk to him. The XXXX statement now had another late fee plus {$2.00} interest. My father sent a letter with a copy of the bank check plus a notation to cancel the account and the card cut in half. The next month the late fee increased to {$41.00}. They were contacted by phone XXXX more times plus by e-mail. XXXX we contacted you. The bank sent a letter to me dated XX/XX/XXXX that read they were contacted by you. The letter had a summary explaining the payment was late in XXXX so they have a right to enforce a late fee and interest! On XX/XX/XXXX I received my new statement and now have a balance of {$320.00} which is all fees and interest. I have a XXXX score over XXXX and have not one blemish on my credit reports.
Product: Debt collection

I have been receiving written and telephonic communication from Maury Cobb Attorney at Law LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. They are trying to collect a debt for XXXX in the amount XXXX. The problem is I have NEVER had a XXXX account until they closed on their purchase of XXXX within the past couple of months. I had XXXX/XXXX   for over 20 yrs until I changed over to XXXX in XXXX of 2019. I have a son who has the identical same initials as I though his middle name is different. I have lived in XXXX XXXX for 19 yrs  he has lived in XXXX XXXX about 4 yrs. previously he lived in XXXX and XXXX. Previously I have lived XXXX and XXXX. I spoke to my son he said previously that he has had XXXX XXXX. Could not remember when though. He said it has been quite a while ago while living in XXXX or XXXX. I have written to Maury Cobb Attorney at Law LLC. I have also talked to them on phone several times. They never responded to my written requests and on telephone have been very nasty and said that they have my name do it is mine and hung up. In addition this is showing my under collections on my credit report and is negatively affecting my credit score. The past 6 months I have been attempting to correct this mistake and they have refused to correct it. I am trying to clean up my credit acct. I have no late payments and currently current on all the payments.
Product: Student loan

Navient is the servicer of my partner, XXXX. XXXX had a XXXX and has been XXXX since XX/XX/XXXX. I have made several attempts and have supplied them with the court ordered paperwork granting me guardianship with authority of all his financial, health, and property matters. They continue to refuse to assist me with getting some kind of forbearance for him now that he is unemployed and XXXX. 
Additionally, whenever I speak to someone, language is always a barrier.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX  {$0.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I booked a flight ( {$980.00}, trip # XXXX ) using points and cash without air fare rules being provided. I called Chase XXXX  ~3 weeks ( XX/XX/XXXX & XX/XX/XXXX ) before travel date ( XX/XX/XXXX ) but was told to pay a penalty of {$400.00} for a flight change. Meanwhile, the air fare dropped to below {$800.00}. 

Neither the booking process nor the confirmation email from Chase XXXX provided any details about air fare rules. As a result, I never had and still don't have access to air fare rules, and lost my opportunity to remediate the risk from paying a penalty for any flight change. I feel misled and trapped into my purchase.
Product: Mortgage

I'm not sure if this is the correct complaint section to list this under but I will do my best to explain. I closed a mortgage through one of Bankrates providers and they promised a XXXX reward card when I closed a loan with them. I uploaded the required documents ( Closing Disclosure ) and they confirmed it would be up to 60 days to " review. '' Well, I uploaded those documents after I closed on XX/XX/28 and have attempted to contact them several times since but receive no reply email or phone calls and it appears they are hoping I move on and don't take action on what they promised.
Product: Mortgage

Home is in foreclosure with PNC. I challenged whether or not PNC had my actual loan. I received, unsolicited, a letter stating " Based on a review of the information you provided, you have been approved for a conditional Trial Period Plan. '' I never applied for a plan and did not sign off on any plan. PNC 's attorney ( XXXX XXXX ) thinks I did but has not provided documentation despite repeated requests. I think this is a XXXX to XXXX homeowners into waiving rights.
Product: Consumer Loan

My complaint is against a finance company called Santandar Consumer US. This company has placed a 30 day deliquency mark on my credit file in error and refuses to remove it. XX/XX/XXXX I was unable to make my monthly car payment so I rolled it over to the next month. My payment was made on the due date of the following month to ensure it would not be 30 days behind. XX/XX/XXXX my spouse and I decided to purchase our first home. When our credit was pulled there were no deliquencies reported and everything was great. About 3 weeks before settling on our new home ( XX/XX/XXXX ), our mortgage company informs us that Santandar reported us 30 days deliquent XX/XX/XXXX. When I called Santandar to resolve the issue they informed me that my payment was 30 days late even though I made the payment on the 30th day to bring the account current. I can not understand how the account could be late when it was made current on the 30th day. I ask them to provide me a copy of the original agreement with them explaining how payments are applied and when accounts are reported to the credit bureau. The representative informed me they did not have that paperwork since they purchased my loan through XXXX. They said it is not their policy to send that information to consumers when they are converted from another bank. I asked to speak with the credit reporting dispute department on this same day. I spoke with a manager named XXXX who informed me that there was no record of Santandar reporting to the credit bureaus since XX/XX/XXXX. I asked XXXX for a letter or some type of documentation confirming what she said. She said Santandar did not have any letter like that to send to consumers. This company is fraudulently reporting information to my credit bureau. As a result my family is in jeopardy of losing our home. They reported the deliquency 60 days late and now refuses to work to resolve the issue. I have asked several times for a copy of my contract with them explaining how payments are posted and their policy on credit bureau reporting, but they refuse to provide me that information. All I want is for the mark to be removed and a copy of the contract with Santandar!
Product: Mortgage

Dear sir Madam, I XXXX XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, Florida XXXX, got in touch with a loan officer ( NMLS ID XXXX ) at Sitar Mortgage a national wide lender ( NMLS ID XXXX ) to process my home refinance sometime back in XX/XX/2021. The authorized loan officer promised an APR of 2.875 for a 30 year loan period and have locked my rate immediately on the same day. However there was no paper confirmation given to me, though i have repeatedly requested. Along with this, i have been also promised about lender credits which will cover most of my closing costs to which i have agreed with. Have attached email confirmation on the same. The lender did not provide any paper confirmation even after repeated requests and made me wait till XX/XX/XXXX for closing. During this time between XXXX and XXXX, I have provided all my documents and consent to the closing disclosures shared which i have attached. 

On the day of closing, the closing was rescheduled with no notice to me. From that day XX/XX/XXXX, i'm unable to contact the lender through phones/email. Meanwhile have reached out to CEO of Sistar mortgage XXXX XXXX, explaining my issue, to which I got a call from the Lender that they can not match the APR of 2.875 which they promised me from the beginning along with the lender credit. On XX/XX/XXXX, the new APR was changed to 3 %, to which I agreed to move forward with lender credits to cover my closing costs. Post that conversation, All of a sudden the lender has abandoned me with no proper responses to my questions since last one month. Have attached all the related emails on the same. 

Also, there is no paper confirmation on any of the Loan estimates, which is concerning and not a fair business practice for the consumers.
Product: Debt collection

PORTFOLIO RECOVERY REPORTING A DELINQUENT ACCOUNT STATUS ON MY XXXX XXXX XXXX XXXX. I SENT 2 NOTICES REQUESTING VALIDATION
Product: Money transfer, virtual currency, or money service

Reported fraud on account but never received a response or refund advise to check with bank. XXXX funds