23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Just a heads up my account is XXXX and I am currently in the process of potential getting a lawyer. I have also complained to student loan omsbudman as well as the CFPB. I am currently awaiting for a call back and here is the issue This is with regard to student loans. After I graduated from XXXX University in XXXX I have paid the loan from XX/XX/XXXX as to which during my exit I applied for the extended fixed payment plan. Up until the covid pause XXXX. I applied for the student borrower defense act against XXXX XX/XX/XXXX. I went to XXXX XXXX XXXX XXXX university for the duration of my student loans. On XX/XX/XXXX I saw a bill for XXXX dollars and some odd change. I called ED financial and it took two hours to get ahold of them. The woman that I spoke with told me that I had not made any payments on my loan. She told me that the prior payments were inaccurate based on any of the plans and in order to reduce my payment I would have to switch the loan to a graduated plan. Which accrues XXXX extra in interest after 25 years. I then called my father because I am not paying over XXXX on my loans. My father agreed that he could help me pay it in full and I would pay him XXXX a month until it was paid off. The next day my account was not showing it stated that there was not information on the account. On XX/XX/XXXX I called again and was told my loans were in forebearnace due to the borrower defense act the only loan covered is the XXXX under that. I called again on the XXXX to say I wanted to pay off the loan by XXXX. I was told to call the borrower defense hotline to get it taken out of forebearance. I called the hotline they told me edfinancial would have to take it out of forebearance. I called the student aid hotline and submitted a complaint, and called again a couple of times every time getting told I would have to file a complaint or call edfinancial. I do not want anymore interest accruing and I do not want to deal with this student loan financial service any longer. People have blown up edfinancial on their XXXX reviews, XXXX, XXXX  etc. about XXXX XXXX XXXX XXXX XXXX not being able to get a hold of them. missing payments, double payments. etc. As a borrower I should be able to pay off my debt whenever I please regardless. I am awaiting another call from them today which takes 2-8 hours to once again see what can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2016, we XXXX my mother at XXXX XXXX XXXX/XXXX XXXX XXXX in XXXX XXXX, VA. I paid the bill in full. Then 15 months later, I began receiving telephone calls and bills from FMS, Inc. of XXXX, OK. They claimed that I owe XXXX XXXX XXXX {$3400.00}. I have spoken to the XXXX billing office on four occasions ; each time I was assured that my bill is paid in full and that they have no knowledge either of FMS or of how that company would have information about my business transactions with XXXX XXXX XXXX. I also have spoken with representatives of FMS on two occasions to tell them that their claim is erroneous. I received the most recent bill about 10 days after speaking with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed hard inquiries and submitted an FTC report to all 3 credit bureaus regarding fraudulent accounts. 

XXXX - XXXX  XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX - XXXX  XXXX  XX/XX/2021 Experian - XXXX  XXXX  XX/XX/2021 XXXX  XXXX XXXX  XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My credit report is being compromised with fraudulent account information as a result of the identity theft. This information is being furnished to and reported by Trans Union, XXXX, and XXXX. It is not fair nor equitable that I am suffering from information that does not belong to me. I am entitled to a credit report that is fair and equitable to me at all times. Unfortunately, this matter has compromised my faith.
Product: Checking or savings account

On Tuesday XX/XX/2021, {$8900.00} USD was withdrawn from my bank account from XXXX, I do not have a XXXX account or know anyone that have one. Additionally, I received {$100.00} USD from MoneyLion. I did my own research and the {$100.00} was their sign-up promotional. I did not authorize the sign-up for moneylion. I have contacted my bank, and now I would like to file a complaint about XXXX  and MoneyLion. I never authorized any of it, I don't even know the moneylion account that was supposedly made under my information.
Product: Credit card

On XX/XX/2016 XXXX charged my Capital One Account {$550.00}. At no time did we ever authorize or use this merchant. This was filled with Capital One as a fraud event and they canceled my account and issue out a refund with a new card. The charge appeared again on XX/XX/2016 and we went again with a fraud dispute and my account was re-credited. It again appeared on XX/XX/2016 as a recharge. Over the last XXXX weeks I have spend countless hours on the phone and writing letters. No body there ever returns a phone call. I need this issue resolved. Please help
Product: Debt collection

XXXX XXXX, 2017 Account Reference # : XXXX To whom It may concern, I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate.
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner.
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Please also note Texas BCC17.
I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Product: Credit card or prepaid card

I have a capital one credit card with a {$10000.00} limit. I made an overpayment of {$7700.00}. The company has refused to allow the overpayment to go toward my credit limit and allow me to make the charge. 

This company is refusing to allow me to spend the money on my account which I overpaid to them. They are not taking a greater risk. The paid amount is only about 1/2 of the credit limit they have given. 

When an overpayment is made, a card purchase limit should increase to include the overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Names and address reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up.

Additionally, please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. 
As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within

15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me
in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Debt collection

TransUnion received my formal dispute letter on XX/XX/year>, which requested a manual reinvestigation of specific inaccuracies on my credit report. The dispute explicitly objected to the use of automated processes, such as XXXX, and required verification directly with the original creditors. Despite my request, TransUnion failed to provide a response or resolve the disputed items within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ), with the deadline being XX/XX/year>. 

Additionally, I sent a 15-day follow-up letter and a final demand letter, both via certified mail with return receipt, reiterating my original requests. TransUnion has yet to comply, nor have they sent any certified responses to my correct address, despite having documented proof of my current address from the dispute letters and supporting documents I provided. 

Furthermore, they have repeatedly stated they would send investigation results in 7 business days, but I have not received these responses. It is possible that TransUnion is sending sensitive personal information to an incorrect address, which I have never lived at, exposing me to potential identity theft and further violations of my rights under the FCRA. 

The continued failure to respond appropriately or address the inaccuracies on my credit report has caused significant emotional distress and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates!!
Product: Credit reporting or other personal consumer reports

Re : Reinsertion Of previously deleted Inaccurate/invalidated items Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 

ACCOUNT : XXXX  XXXX Thank you for your time and help in this matter.
Product: Credit card

Subject : Formal Complaint Against Goldman Sachs Bank USA for Unjust Credit Practices Dear Representatives of the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Goldman Sachs Bank USA ( hereinafter referred to as the Bank ) concerning several applications I submitted for the Apple Card and the subsequent, seemingly unjust, denials I have faced, which appear to be incongruent with the principles and guidelines established under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). 

The denial reasons asserted lack of substantial credit history and insufficient payment history, among others, despite my maintaining a credit account with XXXXXX/XX/XXXX since XX/XX/XXXX, with consistent and up-to-date reporting until at least XX/XX/XXXX. These denials, combined with the ambiguous and inconsistent criteria employed to assess credit applications, seem to infringe upon the mandates of the ECOA that restrict discriminatory practices in credit transactions. 

Furthermore, my interactions with the Bank and XXXX have revealed disparities and contradictions in the management and communication of my credit information, its disclosure to third parties, and its utilization in credit decisions, potentially breaching the FCRA which stipulates the necessity for the accurate and fair communication of credit information. 

The following actions detail the aforementioned disregard for regulatory compliance and have imposed significant, tangible harm : Inconsistency and Opacity : Observable discrepancies exist between the information provided by the Bank and XXXX, and the covert use of third-party information in decision-making processes without clear disclosure of these practices. 

Neglect of Robust Credit Information : Denials have been issued using arguments of " insufficient credit history '' and " insufficient payment history, '' despite a demonstrated history of reliable credit management. 

Baseless Credit Denial : Differing reasons for credit denial have been provided across various applications, pointing to a lack of clear and consistent criteria in the Banks credit decisions.
Product: Checking or savings account

XX/XX/20 Wells Fargo Bank. Employee for the bank in research remediation. The call came in as everyday banking. The caller is a customer of Wells Fargo. She did allege her problem was with XXXX charging her bank account for over a year. Caller gave her debit card and account information to roommate. Roommate left her residence and caller was paying XXXX bill which was the roommate bill. 

Quality Assurance reviewed the account gave me a low score for quality. Quality assurance resolution was to put stop payments on the charges. The caller had various amounts of charges from XXXX. 

The stop payments fee is {$31.00} per stop payment. Since they were various amounts the stop payments could result in excessive fees. The caller said she had been trying to stop the payment for a year - was it 1 year with Wells Fargo Bank. If Wells Fargo was filing claims and cases were these never resolved for the behalf of the customer. {$31.00} for each stop payment and many charges from XXXX are financial injury. My Request is to address the Questionable Quality Assurance department on these calls. Some resolutions are replace debit card, get previous claims and cases from Wells Fargo and find out why nothing had been done.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I discovered that one of my credit cards had an error in the XXXX application and I was not able to either use it or remove it. 
After several attempts to remove the card, I contacted Google support. They told me to contact my bank, to have them remove the card, which I did. XXXX Bank removed the card from the Google Pay system on XX/XX/2022, but the card continued to show up in the XXXX application. 
I returned to Google support who asked me to submit screen recording two different times, which I did. Our communication then continued over email with several messages exchanged, in each message Google 's customer support person telling me that she is checking her " resources '' ( I must have heard that word at least 50 times ). 
Today, XX/XX/2022, after one month of not receiving any updates, I again contacted Google support over the phone and the cacophony continued. " Let me check my resources '', " can you send me a screenshot? ", " only you can remove the card '' ... bottom line, Google is storing my financial information without my consent, which I consider to be illegal.
Product: Credit card

I have a credit card account with Nordstrom Department Store. I made a payment in full on XXXX/XXXX/16 directly online from my checking account. The amount has been transferred to Nordstrom and my account reflects as of the XXXX/XXXX/16 to been paid and withdrawn fro my bank. Nordstrom reflects this when I view it online, but does not give me credit for it. I have called and spoke with the manager, XXXX XXXX in California and was told that the account was place on hold until XXXX/XXXX/16 due '' making sure the payment clears and due to my credit history on my credit bureau " ( of which I have never been late on any payment to anyone ever ). He quoted the terms and agreement, then admitted the payment had been received by ACH on XXXX/XXXX/16. I find the timeline to apply, reflect a XXXX balance and restore my credit line is unnecessarily to long and is hindering my ability as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan servicing & us dept of education Are both reporting false and/or erroneous information on my credit report showing loans Ive never signed for. I demand the wet ink signature to prove I am responsible for these alleged loans ... ... .. Looking at the payment history shows many errors and false information and straight up lies, Ive never paid this company but they say they have payments from dates When I was unaware that this even existed ... ... I have never paid this company so them even stating that there was a payment on any date is automatically a lie and grounds for deletion.