23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Discover Bank services my student loan, this is continuation of my complaint filed on XX/XX/XXXX. Discover has remediated by account based on a Consent Order by the CFPB where they are identified as the Respondent. 

Respondent failed to take proper steps to identify the loan account as belonging to an Affected Consumer and remediate it under Consent Orders Consent Orders XXXX CFPB XXXX and XXXX until XX/XX/XXXX. On XX/XX/XXXX with a {$17.00} credit as a result the Respondent is operating in a space where they are out of their depth. Under the Consent Orders, Affected Consumers consumers potentially impacted by a Consent Order Violation means an act, or omission that was not in compliance with the XXXX Consent Order, while still effect or a Migration Issue means any student loan servicing error arising from the Migration impacted student loan borrowers or cosigners. Respondent is out of their depth with regard to : complying with Consent Orders XXXX CFPB XXXX and XXXX was already in violation of XXXX Consent Order. 
The Compliance Plan approved by the CFPB and implemented has failed as evidenced by their attempt to remediate this account almost two years after the XXXX Consent Order. 
I filed a CFPB complaint on XX/XX/XXXX regarding the increasing interest rate, no one offered help, alarming total payments made {$22000.00}, principal {$640000.00} and interest XXXX. I have made at close to more than144 payments since origination with XXXX and payment started late XXXX or XXXX. I recently paid {$2400.00} which I could not afford. 
Over the years, I had no access to how much I have already paid on the loan because Respondents representatives could not give that information when I asked. This was a XXXX because they did not want you to have access to information showing that you have overpaid the loan. Now, it appears on the statement. 

I have XXXX confidence that as a now identified Affected Consumer that they have serviced this account correctly. I am sinking my credit in attempt to get away from 15.125 %. At two years past the last Consent Order and violation, their approved Compliance plan did not work. 




I in no way should be made to be pay for the continued lack of the compliance and sill that they lack as evidenced in their continued failures in the student loan servicing field. 
I have zero confidence that as a now identified Affected Consumer that they have serviced this account correctly.
Product: Vehicle loan or lease

Vehicle purchased in XXXX 2027. : Was taken to the shop twice.. found to have rust on part and needed replacement. XXXX found rust.. extended warranty refused to pay. Could not afford to keep paying for towing and repairs and pay car payment ..made no sense to have vehicle for three months and have this much trouble.. asked the company to pick it up. Dealership said they had nothing to do with it.. finance company said I would be volunteering abandoning. Unfortunately that 's how it will have to be I am not paying for that lemon. If the transmission has rust there is no telling what else is wrong. I will just take a change on my credit for the next seven years.
I could understand if it had been at least a year or even six months. But I just got it in XXXX. So I 'll suffer they just need to get their vehicle. I am NOT PAYING.
Product: Credit card

I tried XXXX times to make a payment on time on my XXXX BankXXXX account. I was unable to. I was at work and didn't have time to keep on trying or to contact the company. I work in a very busy job and we've been shorthanded. I was finally able to get on and change my password. I paid the balance in full. When I got my statement a few days later I noticed they had added a late fee. I also noticed that it had another name on my address ( XXXX XXXXXXXX XXXX XXXX that I had never heard of before. When I called the company, they said this name was added on XX/XX/XXXX. I did not add it. Apparently my account has been hacked and that is why I was unable to get on to make a payment. It took several attempts to get the password changed. Whoever hacked it must've change the password and it's not fair that I have to pay a late fee of XXXX when I attempted to pay on time but because my account was hacked I was unable to pay on time or to fix the problem while I was at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi cfpb I have complaint against Experian. I have did all I can to have them to remove anything that's inaccurate I have gotten no response from Experian under section 609 if it's doesn't belong to me it must be removed and if it's been 30 days no response it must be removed or else it's a violation and a fee of {$1000.00} per each. I am reaching out to please have them removed my Experian report it's been 30 days no response it must be removed under the statue of limitations. This is causing me emotional stress because I did all I can do and I they just voided me with no response.
Product: Credit reporting or other personal consumer reports

I received a copy of my XXXX, Equifax, XXXX credit report, and noticed late payments that need to be deleted. It is as follows : Creditor Name : XXXXXXXX XXXX Account number : XXXX Creditor Name : XXXX XXXX XXXX Account number : XXXX Your agency has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below.

15 USC 1681b ( 2 ) - permissible purpose of consumer reports. THE LAW CLEARLY STATES : IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 


I did NOT give your agency written authorization or written instructions to report this information. 

You have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of my character, just to name a couple damages should this matter escalate to court. 

XXXX, Equifax, and XXXX have violated my consumer rights as well, which is noted below. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of XXXX of my character and they have committed XXXX identity theft, because I did not give them written permission to report this information. Which is a violation of 15 USC 1666b.

15 U.S Code 1681a ( 2 ) ( a ) ( i ) Definition ; rules of construction ( 2 ) Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You're not following federal laws and that's a violation. It clearly states that with this law as well, I am demanding you to delete the above late payments from my consumer report. 

Remove the remaining of the late payments on these accounts and remove all remarks defaming my name, XXXX card services has to be deleted since its a taxable income XXXX to be exact. XXXX XXXX XXXX  SHALL change the status to paid and closed like it says on all the other bureaus. Since that's another violation according to 15 USC 1681 S-2 if the other bureaus reported status say paid and closed with no late payments you have to follow the same protocol, all 3 bureaus are getting the same information so your agency is knowingly reporting false information. 

You have 7 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages. 

Best regards, XXXX XXXX
Product: Credit card or prepaid card

Good evening, i like to make a complaint to Best Buy Credit Card. I take the credit card about 1 year ago, may be. I bought a notebook and never had a problem. The last year i bought an XXXX  telephone. The seller never told me i have a promotion for 1 year and later the promotion finish, and the interest will be variable. This affect my credit in 4 points, they said they sent the information in the monthly extract but i change my address. Then, when i bought the telephone NOBODY told me the promotion will finish at 1 year. This is a fraud!! The telephone doesnt work good, i need to go 3 times for change, and they told me i needed to go to XXXX. I bought the telephone in Best Buy! Not in XXXX.! Finnally they change the telephone. Later i had a surprise with the bill. I maked a complaint and they give me 1 year promotion without interest. And they promised me than when finish the promotion they will renuew! I need they renew the promotion because these not are the conditions than they told me when i bouth! If you need more info or documents please let me know. Thanks! My email address is XXXX.
Product: Checking or savings account

On the XXXX of XXXX I tried to call my bank and got no answer. The bank has locked my card and blocked my phone I can't get them to answer me. Just keep putting me on hold since Friday XXXX can I get thru to direct express bank to release the hold on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit  card sent a new card to someone with an increased limit {$1400.00}. I reported that I did not request nor receive a card and I had reported more than once for them to close the card in XXXX and in XXXX. They refused to closed the card and I did not know this until, they billed me for an annual fee on a card that was supposed to be closed. Then they mail a card with an increase to someone in XX/XX/XXXX. 
My home owners insurance trippled in XX/XX/XXXX due to XXXX reporting to the credit bureau that I was late or had not paid the annual fee. This blindsided me as I had told them last year to close this card because I did not need it and was not using it. My home owners insurance increased from {$1200.00} per year to {$3000.00} per year due to them reporting false information to the credit bureau which caused my credit score to decrease drastically, especially transunion went to XXXX. This really hurt my credit score and caused major financial hardship to me. 
1. I want them to eliminate the fee which they charged to a closed account.

2. Correct this information with the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX {$2600.00} ( date open XX/XX/2023 ) -XXXX XXXX XXXX {$1400.00} ( date open XX/XX/2023 )
Product: Checking or savings account

I'm XX/XX/2024 at XXXX XXXX  a fraudulent amount was drafter from my account in the amount of XXXX USD for XXXX XXXX payment in XXXX. Eleven minutes later another fraudulent transaction was processed on my account in the amount of XXXX USD at XXXX. From a company labeled as XXXX XXXX XXXX. On XX/XX/2024 I contacted CHIME to make them aware my account was compromised and that the transaction were not valid or authorized because I didn't make them. I was advised to wait for the transition to fully process before I could file a dispute. I then asked for my card to be canceled that the transactions occurred on. I was able tk file a dispute on XX/XX/2024. Less than 48 business hours on XX/XX/2024 my dispute was denied. I reached back out to chime for further information in why dispute was denied when someone hacked an stole my funds. On XX/XX/2024 and XX/XX/2024 I spoke to a chime member and I filled a rebuttal again the dispute and provided supporting documentation. I also email XXXX with my dispute number as well as supporting documentation and alot of informal information about what occurred to my account. I have yet to receive any response or assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am the natural person, creditor and consumer according to 15 USC 1692a ( 3 ) and I have sent letters and called to report identity theft on my consumer report regarding the list of inquiries. I am calling you to tell you that I do not want these inquiries on my consumer report, please remove them in pursuant to 15 USC 1681c-2 blocking of information resulting from identity theft. I have never given my written permission to allow Equifax to report such inquiries on my behalf. Pursuant to 15 USC1681 ( 4 ) you reporting inaccurate information without my written consent is violating my right to privacy and also my reporting these inquiries pursuant to 15 USC1681b you are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file and as a consumer, I demand you to remove the inquiries pursuant to 15 USC 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it related. The fraudulent XXXX hard inquiries are from XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/2022. Please have them removed expeditiously, I did not apply to either. My credit report is inconsistent because of these issue. XXXX and XXXX do not display these hard inquiries due to identity theft.
Product: Checking or savings account

I downloaded the chime app and attached my bank because my daughter was excited about the app. I assumed it was an investment app but waited for her to guide me to encourage her but after two weeks my personal bank account seemed off so I started going through transactions and chime had charged me {$300.00} the first week and {$100.00} the second week. I called them and closed my account and disconnected my bank and then called my bank to let them know what was going on. I waited 5 days like they said to get my money back but it only took two, the five days ended on a Friday and on Monday I went to delete the app to find it was fully open and my bank account was still attached plus there was another {$300.00} on the chime account. I called them and asked them where the option to turn off automatic deposits was because I never authorized them in the first place and the woman on the phone said she had to download the information and about 3 or 4 minutes into waiting she hung up on me so I called back and again asked how to turn off their automatic deposits, this was after I went through every option and setting on the chime app twice and there was no option for me to stop it. I got hung up on mid sentence this time. I transferred the {$300.00} back to my regular bank account and called back again and asked to talk to a manager and while on hold another {$300.00} was transferred out of my regular bank account to chime only 15 hours after the last {$300.00} was taken. The manager got on the phone and said I have to call my bank and that it was my bank sending them money and authorizing the amount and they had no control over what my bank does. As an adult with a XXXX XXXX who has had many bank accounts, I knew that wasnt true but I did hang up and call my bank who obviously said they werent authorizing the transfers. We put a stop payment on future transfers but chime blocked my account during that time so now XXXX cant dispute the or transfer the most recent {$300.00} that they are holding. They were extremely rude on the phone as well. My bank asked me to close down my chime account which I tried to do but was blocked from doing that as well. Im not sure what is going to happen from here but what I do know is that chime is a scam and that everyone should stay far far away from them. I just read all of their terms and they are using the excuse that the transfers are electronic communications I am attaching documents as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was sold from XXXX XXXX XXXX XXXX XXXX XXXX I know this because I called XXXX  to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 National Credit Reporting Agencies ( Transunion, XXXX, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. Transunion and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.
Product: Student loan

MOHELA is the provider. Reported as open/ never late. Deferred. Pay period started XX/XX/2019. " No data for this period '' was reported on XX/XX/2019. This action doesn't show accurate reporting practices from the creditor with FCRA and has negative impact on the credit report. I believe this is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 1 ) - ( 8 ).
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased 2 roundtrip Airplane tickets with XXXX XXXX from XXXX to XXXX on my Chase Sapphire Reserve Visa for a trip in XXXX of XXXX. The flights and trip were cancelled due to the pandemic. I was unable to reach XXXX after dozens of phone calls and attempted contact on XXXX as well, with no response. I felt I had no choice but to apply for a voucher, which was presented as my only option, and I was unable to discuss the refund policy with anyone at XXXX, as they were unreachable. 

I am now unable to use these vouchers, as they expire in XXXX, and I am unable to travel. I need a refund for the tickets, which has been denied by XXXX after 3 phone calls to them requesting a refund. 

I submitted a dispute with Chase in XX/XX/XXXX, as I am now aware that I am unable to use these vouchers. Chase has denied my dispute because it is after the 60 day window for disputes. I replied to the dispute denial stating that I refused to pay the charges, and why. I have not received any response to this. This travel situation with the pandemic is highly unusual, and I would expect that Chase honor the dispute process, even if the Airlines are not following the rules. 

Transaction Information : XXXX XXXX : XXXX XXXX XXXX {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card company said was a fraud canceled use of card but still want payments
Product: Credit reporting or other personal consumer reports

XXXX XXXX has used my identity to establish an account with out my authorization, this account is fraudulent, i did not open this account and i want it removed from my credit report, my information has been leaked on thr dark web and it has been used to open numerous accounts in my name, i have reported this to thr XXXX department, if this account is not removed immediately i wll send XXXX letter of intent to sue, please delete and block this account ftom credit report is it fraud XXXX for XXXX is a fraudulent account i do not recognize this account, this account was ipen with out my knowledge i want this account removed from my credit report as it is a fraudulent account, XXXX  open this account in my name and committed fraud Im also a veteran of the XXXX XXXX my information is being used illegally to open accounts in my name, I feel Im being taking advantage of, all my information has been leaked on the dark web I ask that these accounts be removed immediately from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am been disputing the account appearing on my report for over a year now in which it has been unsuccessful. They are violating the FCRA by reporting inaccurate and false information and continue to mention how it is valid. I sent disputes on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. Spoke with the original creditor on XX/XX/2019 and XX/XX/XXXX. Now I am submitting an additional attempt in order to get this removed as they are violating my rights with continuing to report inaccurate information. I have included screen shots of all the disputes with mentioning how the account must be removed due to their inaccuracies and they continue to refuse on removing the account which is my legal right per the FCRA.
Product: Mortgage

I have reviewed the answer Great Western Bank ( GWB ) claiming they did not have a record of the property address with it actually XXXX XXXX XXXX XXXX XXXX XXXX but the address on the Note is XXXX XXXX XXXX XXXX NE XXXX, which because this was a new subdivision right off XXXX XXXX it was listed wrong, however the legal description is XXXX XXXX, XXXX XXXX XXXX, a Subdivision as Surveyed, Platted and Recorded in XXXX County, Nebraska. 

The Deed of Trust can only be recorded by a party that has a financial interest in the loan which as GWB sold the loan to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, their financial interest ended that day. XXXX XXXX  up and the documentation proves the facts. 

Nebraska Statute 76-238 instructs that the Deed not enforceable until it is delivered and recorded. GWB by law needed to have had the Deed of Trust delivered and record before XX/XX/XXXX, anything after that point GWB does not have the right to try and correct the error that was not caught until XX/XX/XXXX, when the loan was accepted into the XXXX XXXX XXXX XXXX. 

XXXX is not and never has been approved to do business in the State of NE. NE Statute 21-20,168 demands that Foreign corporation apply and receive a certificate of authority. 

XXXX used the position of mortgage servicer to have a " Forged '' title created, however, they were caught and confess that they were not the owner of the debt when I made the OCC obtain the Note from XXXX. XXXX spotted the lack of the Assignment of DOT and GWB 's error and used that to make it look as if GWB sold the debt XX/XX/XXXX! 

GWB is an accomplice in this fraudulent activity that illegally foreclosed on my property.as it started with there violating the rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  and some one took out a {$20000.00} loan. I got proof that I was XXXX  at the time of the loan.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They took my money acking like they was going to fix my credit repair but they didnt.