23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have 3 loans with Navient totaling XXXX originally. I have been denied consolidation several times. I am now adding up what Ive paid over the years and it adds up to just over XXXX dollars with still barely a dent in the principal amounts. This seems criminal to me, and I cant get any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Experian credit report an it showed alot of inaccurate information specifically a bankruptcy. Sent letter to request method of verification received by Experian on XX/XX/21 with NO RESPONSE. Sent 2nd request for Method of verification received XX/XX/21 by Experian and on XX/XX/21 they replied with file # XXXX that the bankruptcy was certified as accurate by XXXX and certified as accurate again XX/XX/21 with file # XXXX. Appalled by this information I went directly to XXXX to verify the bankruptcy in there files and on XX/XX/21 the bankruptcy was deleted and removed from there files because it couldn't be verified. I sent the results of investigation to Experian stating there is no bankruptcy on XXXX files and they must also remove this inaccurate information from there file. Experian received the request to remove the bankruptcy along with a copy of the results from XXXX on XX/XX/21 and on XX/XX/21 file # XXXX and XX/XX/21 file # XXXX referencing the bankruptcy still on there file and it remains unchanged. Either Experian lied about verifying the bankruptcy or never sent the request to verify the validity of bankruptcy on there file. The bankruptcy was removed from XXXX file as of XX/XX/21. How can any report after that date still be referencing the bankruptcy on there files.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report this morning, I was surprised to find incorrect accounts listed, and I have no idea why. I check my credit report regularly, but this time, I noticed unexpected errors. I even refreshed my browser to see if it was just a technical glitch, but the inaccuracies remained. Due to this issue, I kindly request a careful review of the documents Ive submitted so that I no longer have to worry about this problem.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter over 3 months ago regarding collection accounts. I will attach it to this complaint. Please note that the letter is dated and time stamped. Also is the attached bank statement for the XXXX XXXX  XXXX  which the collection agency XXXX XXXX purchased. They are reporting a different balance than what I owe. Keep in mind that the debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. Furthermore, I was never sent correspondence notifying me that this account was sold which is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand that this account be removed from my credit report. Please see the attached letter and the bank statement showing the incorrect balance for the account XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or h
as reasonable cause to believe that the information is inaccurate.

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 card or prepaid card

- On or about XX/XX/XXXX, I called about my Citi Premier card because the annual fee was due and I could not justify it. The agent changed the account into a no annual fee Citi Rewards+ card and said that the new card should be arriving via mail. 

- On or about XX/XX/XXXX, I logged into my Citi account and noticed that there had been 5 transactions between {$900.00} and {$990.00} on the card. I had not received the new card, so I called Citi to alert them of the fraudulent transactions. I also flagged the transactions as fraudulent online. The Citi agent canceled the card and said a third card would be sent by XXXX / XXXX. I received the third card. 

- On on about XX/XX/XXXX, I received a call purporting to be from Citibank asking me security questions. I was not sure if it was indeed Citibank, so I hung up and called them back a couple of hours later. I asked to be connected to the Fraud / Security department and spoke to an agent who had a few questions for me. It was an offshore call center so there was an issue with communication, especially in explaining that the card on which the fraudulent transactions happened never reached me by mail. Nevertheless I explained this a couple of times to avoid confusion. 

- On XX/XX/XXXX, I received a letter from Citi Security Services Department saying that they have completed the investigation and found me liable for the purchases because I had confirmed that I was in possession of the XXXX card. I had in fact communicated multiple times to Citi that the card never reached me. I have never been to a XXXX store, never mind spending exactly {$900.00} and {$990.00} in 4 different XXXX stores in a week! For some reason, Citi insists that the charges are valid. I've tried reaching out to Citi but to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance is mistakenly reporting payment history and a balance on my credit. A settlement was fulfilled and has not been updated properly. Please update and delete this account from my credit please. Please see the attached proof of payment and settlement offer.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXX/XX/XXXXXXXX
Product: Checking or savings account

My bank account for my XXXX business is being used to launder money. 
XXXX was taken from my account. XXXX $ was then charged to my account for withdraw. Around 400-500 worth of my daily transactions were recycled to extract this amount. And a total of XXXX $ was theamount missing for this month in my business account along with a XXXX check I dont recognize. My ending balance was a negative at the end of month. XXXX If you look at my personal account my beginning balance was extracted. A check was entered early in the amount of XXXX to cause an overdraft fee. My paycheck was then entered late and I was charged XXXX $ when the bank stole XXXX $ from my account after depositing it. The XXXX dollars charge was never recorded and The ending balance is XXXX $ off I was charged XXXX as they manually enter the other transactions on a different date. The payments I make are sent through twice authorized on date taken out the put through again to extract a double payment. Also another paycheck from XXXX XXXX is missing from bank. This is what I need to do my taxes and you cant provide it to me because my bank has been racketeered. Also a check in the amount of XXXX was not recorded as well on XXXX when it was deposited from XXXX my other job. So two checks have gone missing from my account this month. How do I get my taxes done or how does the XXXX then get their work accurate with banking like this? My XXXX claim was just denided due to your banking practices so thats another loss thanks to you for XXXX. 

This is a ton of money!!! In one month. 

Both accounts should have had money in them not to occur any more fees.
Product: Mortgage

I received a letter in the mail that you're going to buy your own insurance for my house, without even asking me, this is not justified, you sent me a letter in the mail, instead you should have given me a call or sent me an email, because I was out of the country, I just came back. 

I have a current and active insurance and there is no need to buy another insurance by the market servicer
Product: Debt collection

I am writing to formally dispute the validity of the debt purportedly acquired from XXXX XXXX XXXX XXXX by CKS Prime Investments LLC. Upon reviewing the details of this debt, I have identified several violations of federal consumer protection laws by the original creditor, XXXX XXXX XXXX XXXX, including but not limited to : 15 USC 1692g : Failure to provide proper debt validation. 
15 USC 1601 : Failure to comply with the Truth in Lending Act.

15 USC 1681n : Willful noncompliance with the Fair Credit Reporting Act. 

Contrary to the assertions made by XXXX XXXX XXXX XXXX, I am the original creditor, as my signature and Social Security Number granted value to the application. According to consumer protection laws, only the original creditor can validate a debt. As I do not validate this debt, it can not be considered valid. They have sold CKS a debt that doesn't exist. As such, the acquisition of this debt by their company is invalid.
Product: Bank account or service

XXXX XXXX we used bank card to pay for car repair {$280.00}. My husband was going to transfer from savings to checking but forgot. At the time we had {$1400.00} in savings and the accounts are joined together and we have overdraft protection. Well we were not notified and we kept using the card and for every transaction they charged us {$37.00}. We now have overdraft fees in the amount of {$1100.00}. This while time no one transfered the money from savings and the card was able to be used. We went in Sat XXXX XXXX to make a complaint to the manager and he said it was above what he could do and he would email his regional manager and call us on Tues. Well he never called and we found out that someone had authorized all of our savings {$1400.00} to be taken out and they too his paycheck of XXXX and some change to make our account a XXXX balance. Well I called Friday to find out why no one had gotten back with us and still no answer. We feel that we should pay the fees from our mistake but they should not have take all of our money to which we now can not pay car payments rent to our house and all other bills that are due tomorrow. My husband went back this morning and still nothing is being done. Please if you can help us that would be great. My husband researched and found that in XXXX other states 5/3 bank has lost cases due to insufficient fund issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today XX/XX/2018 i discovered that a previous fraud account that was labeled incorrectly reported and etc. was reinserted into my credit profile on XX/XX/2018. This same item, was deleted on XX/XX/2018 but before deletion, Equifax would unlawfully allow the creditor to damage my credit profile for a very long time by allowing the creditor to add and change unverifiable payment history, unverifiable amounts, unverifiable open/close dates, and unverifiable proof of ownership. I've had long stressful periods dealing with both Equifax and this fraudulent account. 

Accounting back to the deletion, the law clearly states it is a requirement that consumers be notified within 5 days of reinsertion of any previous deleted items. I did not receive any such notification. Please delete this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America # XXXX Dose not belong to me and I have dispute it with XXXX  and nothing has changed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account type : Revolving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 15 UCC 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received an email notification from XXXX XXXX notifying us that our USAA / XXXX XXXX account Was ypted on our credit report XXXX  and XXXX was noted Past Due! We immediately check the credit report and it was noted the the XX/XX/2020 was 30-59 days late for the amount of {$1300.00} .... we immediately called USAA/ XXXX and inquired as to why they reported the last payment received was on XX/XX/2020 ... We were told that we were never late ever and that I even reiterated a payment that was by their doing was incorrectly posted to reflect just a " principal payment! '' I was assured it would be handle quicker than the 30 day time, ( 12 days ) and that I would receive an email confirmation for my records of the error in posting within 15 minutes of speaking to customer service ... no email receive, it's been 24 hours ... The contact information is : USAA/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX USA ( XXXX ) XXXX
Product: Credit card

the goldman sach apple card support team or customer service team his hard to work with, they have a very high interest rate and the principal balances does not go down the interest rate has variable movements. pay more less interest rate pay less high interest rate. they have no team in place to help customer get back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told experian multiple times to close my account with XXXX XXXX XXXX  on my credit report as I am in a litigation/lawsuit with the company due to wrongful doing done within their practice. XXXX and XXXX has done due diligence by removing and closing my account with XXXX XXXX XXXX. So please help fix this and notify Experian to update it for me to better our stress on this situation. Thank you.
Product: Credit card or prepaid card

XX/XX/2022, Coinbase sent me a Visa debit card. I have never created an account with Coinbase. 
Immediately, I tried to contact Coinbase support, but their system blocked me from speaking to anyone because I have no account with them.
Product: Credit card or prepaid card

The company is Wells Fargo ( " bank '' ). The dates of the transactions are XX/XX/2019. 

I have a credit card, debit card and a checking account with the bank. The credit card provides rewards a 1 % cash rebate. The debit card does not. The credit card automatically takes monthly payment from the checking account. 

In the afternoon of the 25th while I was purchasing an {$1100.00} item ( refrigerator and some installation and disposal services ) from XXXX XXXX on the internet, my credit card was rejected twice. I then purchased using the debit card. That night I spent {$230.00} at a restaurant in XXXX using the debit card. 

I asked the bank in two phone calls and four e-mails to credit both transactions for the 1 % rebate, and the bank refused. 

I could go to small claims court and get the money, but, of course, the amount is too small for the effort. This unfairness in remedy power is why the CFPB exists. 

I would win in small claims court under the facts further explained below. After purchases for XXXX up to the XXXX, the checking account had a balance of around {$30000.00}. I was transacting for the refrigerator using my iPad. If bank wanted to block my account for a security reason, it could have checked with me through calling me or instant messaging me. The bank did not. Instead, the bank first rejected the transaction ( first e-mail received after the rejection ) and then informed me there was a security question ( second e-mail received ). 

Was there a valid security reason? No. The amount should not trigger any issue given the above financial information. That the amount was for XXXX, rather than XXXX should not have bothered the bank because it should know that the largest electronics goods retailer records all its internet transactions as being from XXXX. Moreover, as an internet transaction, the bank ( and all banks ) should have a system to check whether the item is being physically delivered and, if so, where. If the delivery address matches the credit card address, the bank should know the purchase is valid. This should be a requirement as more transactions are done over the internet, and especially if a rewards program is involved. 

( This was the third time that the bank blocked my account needlessly. I suggest that banks should report to the CFPB how many times accounts are blocked and how many times those closings were wrong. Banks with too many wrongful blockings should pay substantial fines to the CFPB. ) So, I was on the internet. With my credit card blocked, I used the debit card of the same bank. What did the bank expect me to do instead? Did the bank expect me to stop my internet transaction to check my e-mail and then call the bank to go through their automated system to inform the bank of its error? Did the retailer likely paying the bank something for the transaction want me to stop transacting?
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issue I have been experiencing with attempts to correct late open accounts and remove the associated losses from my records. I have made several attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. 

The accounts in question were opened and despite my best efforts to address the lateness and associated losses promptly, I have encountered multiple obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. 

I would like to outline the chronology of my attempts to rectify the situation : Initial contact was made with your customer service department to report the late open accounts and request corrections. 

Follow-up communication was initiated to inquire about the status of the correction process. 

Despite previous assurances, no significant progress had been made, prompting further communication and a detailed explanation of the losses incurred due to the delays. 

Additional attempts were made to escalate the matter within your organization, seeking a more expedited resolution. 

Despite these efforts, the issue remains unresolved, and the associated losses continue to impact my financial stability. I believe in fair and transparent business practices, and I am hopeful that your company shares this commitment. 

I kindly request your immediate attention to this matter and a comprehensive review of the circumstances surrounding the late open accounts and associated losses. I expect a timely and satisfactory resolution to be implemented to rectify the inaccuracies in my records. 

If this matter is not addressed promptly, I may have no choice but to escalate the complaint to relevant regulatory bodies and seek legal advice to protect my rights as a consumer. I am asking for your assistance tocorrect thises late open accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In 2006, I applied for a student loan with AES totaling {$6000.00} and has paid {>= $1,000,000} on the loan ; however, the balance on the loan is {$12000.00}. The interest rate is excessive and can be classified as usuary in the U.S. This is a very suspicious company, as the official owner of the loan can not be identified, and the company is not accommodating as far as lowing interest rate, etc. Each year this loan keeps increasing instead of decreasing, as I have at one time made payments religiously without making a dent in the balance. Something needs to be done about this student loan lender. Pure highway robbery.
Product: Debt collection

National Credit System Date XX/XX/ I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitt ed 2 claim s already and multiple disputes with the credit agencies to fix this issue. While  XXXX    XXXX   has told me that they have submitted the fix, the proof is with the credit reports.  XXXX  and Transunion keep flipping their reporting from positive and negative.     While they updated a few things  XXXX  requested they did not update the main portion which is the current status of my account. And because of that, it is currently hurting my score and my APR for my new loan on a home.     I am requesting again,  XXXX  and the credit agencies report to the credit agencies the correct information. I do n't want to hear that you have when obviously it is not being reported by  XXXX  as current.  One day it appears as if it is fixed, then the next it is back negative again. All while the current status listed shows 30 days late even though the other information backs-up the proof of it being current.
Product: Credit card

My Chase credit card reward points were used without authorization on XXXX on XX/XX/XXXX, where XXXX points were redeemed, and a charge of {$62.00} was made. I contacted Chase, and they sent me a replacement card and promised to refund my loss to my account. I quickly received the {$62.00} refund but have not yet received the points refund. This transaction occurred on an XXXX account that was not mine. I contacted XXXX and requested the order details. They only mentioned that the points would be refunded to my bank account, but later emails instructed me to contact the bank for resolution and did not provide further transaction details. I have been waiting for the bank to return my points. It wasn't until I received a letter from them stating that my points were redeemed that I realized this. I have never used my points to order anything on XXXX. I believe my points were stolen, and I would like your assistance. Thank you.