23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Reported on my credit as a loan that I never requested or had for ( {$2400.00} ) IQ Data International ( XXXX XXXX  XXXX XXXX, Wa XXXX ) Original Creditor : XXXX XXXX XXXX  ( XXXX, La ) Total : ( {$3000.00} )
Product: Credit reporting or other personal consumer reports

I have requested Experian and XXXX to remove wrong information, but the problem has not been solved.
Product: Student loan

My name is XXXX and I was a previous student at the XXXX that was shut down on Tuesday XX/XX/XXXX. I XXXX with my XXXX XXXX degree in XXXX in XX/XX/XXXX. Since attending the school I have obtained {$100000.00} of student loan debt from private loans and Federal Government loans. While attending the school I was promised and guaranteed that I would be able to obtain a job that would make the same amount of money that I invested into the school. When I was attending the school the Financial Department never went over the terms with me and how much money was being financed for the courses. Also the Financial Department denied me each semester of Financial Aid which was observed because I only made less than {$40000.00} a year. At the time I was living with my parents due to XXXX difficulties. 

The second vendor that XXXX was associated is with Navient. With Navient I owe {$75000.00}. With Navient I have XXXX different forms of loans. The first forms of loans is called Subsidized and Unsubsidized loans. The Subsidized/Unsubsidized loans are provided by the Government. The second portion of the loans is called XXXX. The XXXX is provided by Navient. After researching the open loans Navient opened in my name there is XXXX in particular in which they claimed I went to XXXX in XXXX. The school was taking loans on my behalf without letting me know in areas I have never been. That portion of the loan I owe is {$22000.00}. When I called Navient and ask them why there is a loan taken out in my name for the XXXX in XXXX that they are not sure but they told me that I am required to pay it. I never been XXXX and never attended school in that location. The only XXXX I attended was in XXXX VA for my XXXX. Next I attended XXXX, VA for my XXXX
Product: Debt collection

I am XXXX and request " reasonable accomdation '' to help me submit this " ambulance ride '' for " medicaid retroactive payment '' as I am unable to do so myself AND this debt is a direct result of my XXXX AND I WAS covered by medicaid " retroactively '' on XX/XX/XXXX. Thankyou.
Product: Mortgage

We filing this complaint to clear up an on going issue that Select Portfolio Mortgage Servicing has failed to correct dating back to XXXX and XXXX. In reviewing billing and payment history posting errors are noted and because of this they are claiming missing payments. We have talked to them on several occasions and was told to send copies to correct it and it has not been done. They recently transferred us to a new Mortgage Company call XXXX XXXX XXXX  and this amount they claim is owed was transferred to them. I have spoke with XXXX XXXX  XXXX and they told us to get Select Portfolio to correct this amount and they would have to cleared up with them. Otherwise the amount will stay as is. The amount amount we deputing is {$1200.00} which is two payments. In reviewing there payment history it is note that two payments were made and Select Portfolio posted them but went back and debited them back. This issue took place on XX/XX/XXXX and according to our records no payment was missed but some were sent in late.
Product: Checking or savings account

I posted my XXXX  XXXX on XXXX for XXXX and received an offer from a gentleman. The man states he lived in Florida and wants to use the XXXX as a XXXX for his hunting camp. He stated he would send me a certified check for the amount and after I cashed it and the monies cleared he would arrange a car carrier to pick the XXXX  up. I told him that was fine and would be looking for it. I received the check via XXXX two days later for the agreed amount of. {$5600.00}. I was skeptical being the gentleman was from out of.town so once I received the check I called the bank on the front of the check to verify funds and all was good. I then did a mobile deposit for the check and went on with my day. There was an automatic 10 day hold which I totally understood and didn't complain. Three days later I noticed the deposit had been removed from my account all together. I called the bank and they stated I was being investigated for Deposit Account Fraud and were freezing my account. I was appalled and have called them daily all week to find out the status. There was no deposit account fraud and I never received any money from this check but yet they are holding my checking account hostage with close to XXXX in it and I am unable to purchase gas to even go to work. When I call i get the same answer. We don't know how long it will take. I even went and opened another account at another bank but can't fund it until they release my funds or I get paid next week. I have been banking with this facility for 10 years. I really need help and don't know who to turn to.
Product: Prepaid card

On XXXX I was catching a flight real quick so I bought this card for {$250.00} because I would need it, unfortunately my water bottle got loosed and the water got on the card and it got damaged I called vanilla and requested for my card to be replaced because the {$250.00} is intact which was also confirmed by vanilla, they requested proof of address too and I sent it to XXXX and after 24 hours I got an update on balance.vanillagift.com I will attach a screenshot here and it says my case has been resolved and my replacement card is on the way, checked with customer service and I was told my replacement card was never sent, I have attached my receipt to this case, and also attached a response from income that my document was received, a receipt is a proof of purchase anywhere in the world, I want my {$250.00} replacement card immediately
Product: Debt collection

I keep getting phone calls at least 4 times in the last 40 minutes on XX/XX/2018 from a debt I owe of {$220.00} owed to XXXX XXXX and they asked me to verify my address and I said I wouldn't tell my address untill they tell me what are they calling me around XXXX.and XXXX XXXX They keep changing their phone numbers and the phone number I just gave is the last phone number that called me tonight. I am just getting sick of them calling me around this XXXX XXXX to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX CT XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$930.00}, XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with XXXX Mortgage, and I'm disappointed in how they haven't resolved the credit reporting error ; and violated my consumer rights under FCRA. This error has ruined my credit, along with my XXXX In the month of XXXX I attempted to make a payment online how I normally would however the system was down ; The previous day I used bill pay from my external account that posted on XX/XX/2023 XXXX. In essence on XX/XX/2023 I called to initiate my payment by phone i/a/o {XXXX} with a representative over the phone which I was charged a fee to do so. She was a nice associate ; however she must've inputed my account numbers incorrectly because my bank XXXX was not presented with the payment. I received noticed that the payment that I made by phone was returned, and I was charged a late fee, along with a bad check fee which have bot been refunded to me. For several months my husband, and I have been impacted due to the human error of the associate ; I reached out on several occasions to resolve the issue ; and requested a call back, I was not extended that courtesy. I was told to use a secure message portal, because the lender doesn't have a phone associate that I can speak with pertaining my issue. The response is not consistent with the certain set of facts.
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 XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. I had two late payments on an account that I was in fact, paid on time. The consumer report agencies are required to report all information with complete accuracy. This account had never been late. Ive attached a copy of the report to this compliant for the following dates : XX/XX/2023, XX/XX/2023. Im now requesting that you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

AAG has been very difficult to deal with. I have hired an attorney and have submitted the court order stipulation that I am the trustee of the said property of the reverse mortgage. I still after almost a year. Do not have access to this loan. I have had my attorney write letters and talk to people at the company and they keep asking for more information. I have spent thousands of dollars on attorneys to get this Adjudicated and Im still getting pushed back from AAG.
Product: Credit card

This is the follow-up to my earlier response on case # XXXX. I have declined the company response asking for proof to substantiate their claim that gift cards were purchased. As they claim that was the reason due to which they are denying me roughly XXXX in promotional bonus. I totally deny their claim. Discover need to honor the promised cashback on all my XXXX purchases asap. No update was made by the bank on my earlier case ever since I disputed the response ( alomst 6+ weeks back )
Product: Debt collection

I was refinancing my mortgage in XX/XX/ 2018 and my lender told me that there was an unpaid collection of {$1600.00} on my XXXX  file. I was provided with the contact information and the account number of the collection agency. I called the company and was told by the person handling the account that the money represented an amount owed to their client for towing and impound services ( apparently the vehicle was never retrieved ). I asked how they identified me as the individual owing the money and he claimed that they had obtained it from the Department of Motor Vehicles, He claimed that the license plate of said vehicle ( a XXXX XXXX ) showed that it was registered to me. I asked for the license plate number so that I could research said vehicle and he refused to give me that information so I was unable to contact the DMV to do research. Instead he told me I should go to the DMV and ask for a list of vehicles that were at some point in time registered to me. 

The facts are as follows : I have never owned a XXXX XXXX and I have never had a vehicle towed. I have no knowledge of this matter and I do not owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen, i had all my credit cards in it ID, etc, I reported immediately on XX/XX/XXXX the company hires people that don't speak English and they couldn't understand what i was explain to them and they were keep sending out new credit cards to the scammers, and now it's on my credit report. I have reported on XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and still, they don't hold scammers responsible, they are reporting me to the credit bureaus, for all 3 credit cards. If YOU LOOK AT MY HISTORY WITH ALL, MY CARDS, I ALWAYS PAY THEM IN FULL BY THE END OF THE MONTH I don't have the cards nor ever got a new one. What is there to do. CAPITAL ONE, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I no longer reside at any of the following addresses : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX These addresses are on my credit report # XXXX Need these addresses removed immediately My only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please update soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX on XX/XX/2021 by mail to send all required paperwork showing their right of repossession and that repo did not violate Louisiana Law. According to the FDCPA and FCRA 14 days is given for a response. No response from XXXX XXXX. Sent a follow up letter on XX/XX/2021 No Response. I disputed collection account on my credit file with Experian, XXXX, and XXXX  also provided documentation of XXXX XXXX failing to respond. The account still remains on my credit file. The only explanation given is the account was validated. This account is blocking my ability to obtain new credit.
Product: Checking or savings account

Subject : Double Charge & Unresolved Pay in 4 Discrepancy Chase Bank Complaint Details : I am filing a complaint against Chase Bank regarding a Pay in 4 transaction that appears to have resulted in a double charge to my account. Despite multiple attempts to resolve the issue with Chases customer service, my concerns have been dismissed without proper review, and I have not received a clear explanation for the discrepancies in my account balance.

Issue Summary : I made a XXXX in 4 transaction for {$86.00} on XX/XX/2025, for a purchase at XXXX XXXX. Based on my account activity, it appears that this amount was deducted twice. 

XXXX & Account Balance Changes : XXXX. XX/XX/2025 Before credit : {$2300.00} After {$86.00} credit applied : {$2400.00} ( + {$86.00} ) XXXX. XX/XX/2025 Before charge : {$1800.00} After {$86.00} charge deducted : {$1700.00} ( - {$86.00} ) XXXX. XX/XX/2025 ( XXXX XXXX in XXXX installment ) Before deduction : {$2200.00} After {$21.00} deducted : {$2100.00} ( - {$21.00} ) XXXX. XX/XX/2025 ( Final Pay in 4 installments ) Before deduction : {$1700.00} After {$64.00} deducted : {$1600.00} ( - {$64.00} ) Why This Is a Problem : On XX/XX/2025, the full {$86.00} was deducted from my account balance, reducing my total. 
In XXXX, the XXXX in 4 installment payments ( totaling another {$86.00} ) were deducted separately, meaning I paid twice for the same transaction. 
Despite reaching out to Chase for clarification, I have not received a valid explanation for why my total balance reflects two deductions of the same amount. 

Customer Service Experience : XXXX. XX/XX/2025 ( XXXX XXXX XXXX : I called Chase, and the representative confirmed that I was double charged and filed a report. However, he did not provide a ticket number and advised me to call back in 1-2 days. 
XXXX. XX/XX/2025 ( XXXXXXXX XXXX XXXX : I called again and was rudely dismissed by a representative who repeatedly insisted there was no double charge. 
When I asked for clarification on why my total account balance reflected two deductions, they refused to provide a clear explanation and kept repeating the same scripted response. 

I have attempted to resolve this issue directly with Chase, but they have failed to properly investigate my concern. I am seeking assistance from the Consumer Financial Protection Bureau to ensure my case is reviewed fairly. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Child Support accounts are inaccurate and are fraudulent accounts. These negative accounts are having a negative impact on my life. Youre failing to keep up reasonable methods to assure the most extensiveness and accuracy on my report which is directly impacting my quality of life. I sent multiple dispute letters with the inaccuracy and inconsistency being shown on my account.
Product: Credit card

XX/XX/XXXX I was physically on a Southwest XXXX XXXXXXXX from XXXX XXXX to XXXX ( then on to XXXX ) when a flight attended said we could get a special credit card offer : XXXX miles and a free companion pass if spend {$4000.00} in the first XXXX months. She handed me a flyer. I signed up using this flyer. There was NO OTHER OFFER shown. 

I spent over {$4000.00} in the first month, and I called Southwest in late XXXX as I didn't see the companion pass showing on my account, which was after my first statement balance was paid in full. They said it could take XXXX weeks to show up in my account. I also saw a 25 % off coupon for XXXX flight which they said they didn't know where that came from ( neither did I ). 

XX/XX/XXXX : I again didn't see the free companion pass offer showing, but noticed that my points balance was much higher than expected, and noticed an additional XXXX points were added after my first statement ( Southwest didn't mention that they saw this in my account in XXXX ). They suggested calling Chase Card Services. 

I contacted Chase card services and the representative said it still could be taking XXXX weeks ( which would be into the first week of XXXX as I signed up on XX/XX/XXXX ). There was no discussion about it being a different offer than what I signed up for. 

XX/XX/XXXX : I needed to book flights and still didn't see the companion pass which I signed up for, so contacted Chase again and explained the above. They said a case would be opened. I received a 'letter ' that stated : -- -- -- - We appreciate your interest in our new offer to receive XXXX XXXX and XXXX bonus points. 
Unfortunately your account isn't eligible to receive it. Promotional offers are only available for select credit cards and aren't transferable between accounts. 
You can manage your account and ask us questions at www.chase.com/cardhelp. 
Sincerely, Card Services -- -- -- -- -- -- -- -- So this did not sound like a proper reply to my situation, so I called Chase again on XX/XX/XXXX and spoke to XXXX, an overnight supervisor. After looking at my account and the letter, she stated that there is no guarantee that a consumer will get the same offer they sign up for. She referred me to this 'offer terms ' : Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisement. Review offer details before you apply.

This was a bait and switch, or a mistake in their sign up system. I DID follow and review the offer when I applied, which was NOT what they gave me. The 'offers may vary ' does not mean they can change the offer if you 'take advantage of this particular offer now ' and 'apply through the method provided in this advertisement '.
Product: Student loan

Since XXXX of XXXX, I tried to defer my XXXX XXXX  and the loans of my husband ( I am the co-signer ) with AES. We had a deferral for XXXX months, when we tried to extend it then all the problems started. AES was unclear and lacked consistent feedback for deferral. We consistently called to clarify and tried to provide all the information in a timely fashion. We were refused a reduction and deferment for the loan because the lack of clarity overlapped with the need to make a payment. Because we did not make XXXX payment between the initial XXXX deferment and the submission of an entire XXXX application, we were not even considered for reduction or deferment status. At this point, we could not make the payment. We are making small payments, and are now in default and behind. As a result, both of our accounts have been reported to credit agency because we are late on payments. I am still not working ( mos XXXX ) even though I have been looking and trying to find a job. I have other student loans that have easily deferred my payment. The AES process was very XXXX XXXX, time-consuming, and lacked any consideration for me and my husband time and intent. The AES process is layered with ambiguity, disingenuous promises, blame XXXX XXXX XXXX XXXX and consumers ), and deceit. I have had great credit and paid my bills on time for 30 years. I have more than XXXX files regarding this and they have them. I am not wasting my time to resend what I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have names listed wrong my street number listed wrong and previous addresses listed that are wrong
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Credit Services Credit Reporting Agency ATTN : Disputes Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information and Notice of FCRA Violations Dear Experian, This will be my final attempt to dispute the inaccurate information reinserted into my credit report after it was previously deemed unverifiable and removed. Your company has not been compliant with conducting proper investigations. Per XXXX U.S.C. XXXX ( a ) ( 1 ), credit reporting agencies are required to perform a reasonable investigation of disputed information within 30 days. Despite multiple dispute letters sent to your agency, you have failed to provide reasonable protocol on how these accounts were investigated violating XXXX USC XXXX ( a ) ( 6 ) ( B ) ( 3 ) along with responding within the legally allotted time frame Additionally, the re-insertion of previously removed and unverifiable information without following the required protocol violates XXXX U.S.C. XXXX ( a ) ( 5 ) ( B ). According to this law, any information that is reinserted must be certified as accurate and the consumer must be notified within 5 business days. No such notification was provided to me. 
I would also like to bring to your attention the ongoing lawsuit against Experian filed by the Consumer Financial Protection Bureau ( CFPB ) for similar violations, further underscoring the severity of these issues. Due to these repeated violations and the substantial harm caused, I will be seeking punitive damages for your continued non-compliance with federal law. I demand that all inaccurate and improperly reinserted accounts be permanently removed from my credit report immediately. Failure to comply will result in me seeking {$1000.00} per violation found on my consumer report Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I don't recognize this inquiry I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report.