23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding my private student loan experience, which has caused significant distress and financial hardship. The loan in question was obtained from Chase Bank while I was pursuing my XXXX degree in XXXX or XXXX. 

Initially, I secured a loan amount of {$8000.00}, which was disbursed in two parts. However, after obtaining the loan, Chase Bank inexplicably separated my account into five or six different accounts without my knowledge or consent, all accruing interest independently. This has resulted in an overwhelming total debt of over {$75000.00} due to compounded interest on these fragmented accounts. 

Further complicating matters, my loan was subsequently sold to XXXX, and later transferred to XXXX. This constant shifting has made it nearly impossible to track my loan and understand the true nature of my debt. I want to emphasize that I took out one loan, and I believe it is unfair and misleading for it to be represented as multiple loans.

This situation is not only financially burdensome, but it has also negatively impacted my credit report and my ability to make essential financial decisions. I am seeking your assistance in resolving this issue by consolidating these accounts back into one, allowing for accurate interest calculations that reflect my original loan agreement.

Given the circumstances, I respectfully request the forgiveness of all accrued interest and a return to the original loan structure. I believe that this adjustment is necessary for fairness and accuracy.

Thank you for your attention to this matter. I hope for a prompt resolution that will allow me to move forward without the weight of this unjust financial burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 request for Experian to verify in accurate accounts on my consumer report I asked for them to send me documentation they have in their files that they used to verify these accounts ( FAIR CREDIT REPORTING ACT, 15 U.S.C - 1681g ) I have not received any response from Experian regarding these accounts. I have asked for them to send me the documents and not to just send that they have been verified I would like documentation that show this and if not documentation is not there to immediately delete them under section 611 ( a ) ( 5 ) ( A ) ( I )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I have been receiving multiple calls per day. Some within 30 minutes of each other. I receive calls from XXXX. On XX/XX/19 they called me at XXXX XXXX  and again at XXXX XXXX. That is only 27 minutes apart. Today, XX/XX/19, they called me from the same number at at XXXX and then at XXXX. That is only 20 minutes between calls.This is becoming harrassing. I made an attempt to talk to them about it. I talk to 3 different representatives. 2 of which claimed to be supervisors. They all did not care that the calls were made so close together. Their responses were to offer a cease and desist.
Product: Debt collection

Both medical Collection companies have Violated my HIPAA RIGHTS. I did not sign a HIPAA form for this collections companies to access my medical records! This is a Violation XXXX XXXX XXXX XXXX XXXX And FIRST FEDERAL CREDIT CONTROl.
Product: Checking or savings account

I tried buying tickets today ( XX/XX/17 ) to an event through a private seller and initiated a payment ( {$350.00} ) through my Chase banking account utilizing XXXX. Once the transfer was initiated, it was immediately clear that this was a fraud and that I wouldn't be receiving the tickets. 

I contacted XXXX to see if a stop payment could be placed on the transfer about 30 mins after realizing this was a fraud. They informed me that once the transfer was initiated through XXXX and accepted by the other party 's bank, there was nothing they can do. 

I contacted XXXX and was immediately referred back to my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, This letter is in response to your recent claim on regarding Wells Fargo XXXX which you claim has been late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has not been updated as needed. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company.

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be  required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
Product: Credit card

Macy 's credit card services recently underwent an online site update that has made it impossible for me to view my statements or update a payment. Without my consent, Macy 's changed my automatic payment from minimum+ {$100.00} to simply the minimum payment, causing me to incur interest I do not want to pay. When I talk to customer service they say they can not fix the issue and that I have to login to do so. Macy 's online site has been unavailable for weeks and I am now going into a XXXX billing cycle with this problem. Also, because I have electronic statements, I can not view them. Macy 's refuses to fix the issue with my account and therefore I am not able to review my account, check it for fraud, etc. They also refuse to give me any updates on when the issue will be fixed and frankly will not speak with me regarding the source of the problem. They only state " we do n't know when it will be fixed, try logging in tomorrow. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collections account from XXXX XXXX with Transunion on XXXX XXXX 2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish inaccurate information on an account without my written instructions. 

15 U.S.C 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. 

In XXXX XXXX  unauthorized and fraud charges were placed onto my account ( authorized user account ) in a foreign country where I was never there. 

Reported this to XXXX XXXX XXXX XXXX XXXX  and they sent out a letter after the investigation stating I would not be liable and that the account is closed. Unfortunately not all the credit bureaus are on the same page. Therefore it is still reflected negatively on my Equifax report which is causing my otherwise credit score to take an unfair dip and also reflects a balance amount that is delinquent but not mine. 

Again, this has been reported to XXXX XXXX and I also filed a report to the Identity Theft agency. Ive attached all the letters and documents to that stated facts. 

This inaccurate reporting has caused my otherwise perfect credit score to take an unfair drop in the score which could impact my ability to obtain credit, if needed for me and my family.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with chase bank via Amazon for a credit card in XXXX. My credit report shows that I missed or was late on a payment in XX/XX/XXXX and I have tried repeatedly on the phone through XXXX XXXX through and Chase Bank and at the latest as of today, on the phone with the supervisor to get that Corrected. I was never told in all my investigation that this was for my Amazon account and not my Southwest account. I am suggesting that Chase Bank has been unable to verify which card Ive been calling about and therefore that there is bank error in reporting. Ive never missed payments. My entire credit report shows zero late or missing payments. Other than this one that is allegedly reported. 

Today XXXX when I called the credit reporting division of Chase Bank who says he is the supervisor says there is nothing he can do about it. I am suggesting the one issue on my entire report could potentially be a bank error and have asked to have it removed as I am current and have no other Late payments in my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent four disputes to XXXX, Transunion, XXXX  all through certified mail. I have several accounts on my report that showed up and i have no clue to how they got on there. including student debt with about 5 different accounts with the same company. i asked them to look into it and to show how they verified these accounts that they state remains. they have failed to send me any notifications on how they verified. the papers they send me even comes back with a different name. now they state that they will not investigate without documents to prove my case. How am i supposed to prove something if its not mine and i have nothing to go off of since they keep failing to show me proof of verification or any documents to these accounts.
Product: Money transfer, virtual currency, or money service

We followed and in full compliance with XXXX, XXXX approved the wire, but Wells Fargo returned the money to the origin without providing us any explanations. Wells Fargo does not respond and simply violates our rights over and over again. Why can't CFPB do anything about their lack of response. Seems like we are forced to secure a law firm at this stage.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Fulton Bank told me that I was 30 days past due in XXXX after I tried to get a home equity loan. I was confused since I had been making all my payments within the month so I would not be marked as 30 days past due. 

As soon as I discovered that my XXXX payment electronically did not go in, and my XXXX payment went to the oustanding XXXX balance, I paid both XXXX and XXXX on the same day, so I made XXXX mortgage payments on XX/XX/XXXX. 

Fulton bank continues to mark my credit stating I was late on XX/XX/year>, which I was not. I have provided with other disputes the documents to prove I was not 30 days past due in XXXX. 

I have filed XXXX disputes, and nothing has been corrected. I just filed another one, with another credit agency. I have contacted the bank as well, but the credit report has not been corrected.
Product: Debt collection

I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the XXXX XXXX  and XXXX, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX XXXX responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing to bring to your attention a provision of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2Ai, which pertains to the duties of furnishers of information to consumer reporting agencies. As a consumer, I believe it is important to ensure that this provision is properly adhered to in order to maintain accurate and fair reporting of credit-related information.

According to 15 USC 1681a 2Ai, furnishers of information are required to : Provide Accurate Information : It is essential that information reported to consumer reporting agencies are accurate and complete. Furnishers are obligated to have reasonable procedures in place to ensure the accuracy of the information they provide. 
I kindly request that you ensure compliance with the aforementioned provisions of the FCRA in your reporting processes. Accurate credit reporting is crucial for maintaining a fair and transparent credit ecosystem, and I trust that your agency is dedicated to upholding these consumer protection standards. 
In accordance with the FCRA, I request that you provide me with a copy of the investigation results related to any disputed information in my credit report. Please inform me of any actions taken to correct or update my credit information as a result of your investigation. 
PLEASE STOP REPORTING MY UTILIZATION FROM THE ACCOUNTS IN THE ATTACHMENTS. I HAVE ALSO ATTACHED ALL IDENTIFICATIONS
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for financial violations.
Product: Credit reporting or other personal consumer reports

This marks the fourth occasion on which I am submitting a complaint to request the removal of these items from my credit file. I anticipate an update within the next 15 days. In accordance with FCRA section 605b, it is mandated that the Credit Bureaus remove any items listed on an identity theft report. I expect the Credit Bureaus to promptly eliminate the following items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Monthly amount being paid every month for 4 or 5 years and company reports 6 mos behind the whole time
Product: Checking or savings account

Overdraft fees even though I am under XXXX and Wells Fargo doesnt charge overdraft fees for people under XXXX.
Product: Debt collection

valer enterprises at XXXX XXXX XXXX, XXXX XXXX XXXX ny  XXXX had a man by the name of XXXX XXXX XXXX XXXX file # XXXX, call me about a check I had made to XXXX. I told him I could pay in a few weeks he told me NO that won ; t do and writing bad checks is against the law and I would be arrested. I said well arrest me then and hung up. I called him back paniced and said if I pay next thursday would that be ok he said yes and he would stop the sheriff from coming to my house. I am XXXX and told someone who cares for me about this and she said, what he did was not legal. He had left a message on my phone impersonating a lawyer saying coscto had called his FIRM and retained him. I still have that tape. 

yours truly XXXX XXXX
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. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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

Hey, I received your letter about closing my complaint. why the XXXX would you that? who else would be complaining about my personal information besides me? That's XXXX. I would ask you once more time to take action about the credit bureau not doing anything about my disputes. I am trying to get a house soon, so would you just please please
Product: Student loan

I sent several emails over a period of 3 weeks requesting information for forbearance and payment change. I received no response. When I started making payments I saw a large amount of interest go towards principal. I called for a break down and they could not provide explanation over the phone and said I would receive the break down in 2 weeks. I did not receive it at all. My employer makes payments that should only go to interest. They were being applied to all fees. I called and asked that to be researched. They told me they were being posted incorrectly and it would be changed. When they made this adjustment they then also flagged me as past due and started charging me late fees. I called the first day the account showed past due and asked for details. I was told it was a mistake in how they made the adjustment and it would be corrected and would be completed in two weeks. When it got close to the end of the two weeks I reached out to customer service via email for an update as nothing was showing corrected. My email was not answered. 
I called for the third time and asked the status of my previous requests and customer service told me they did n't see any notes on my account and just went over my recent payments and told me they did n't see anything wrong. After I explained the full story again she placed me on hold and still said she found no notes on my account. At that point I asked for a manager and was told there was only XXXX and it would take at least 10 minutes to get him. While on hold she continued to come back to me and tell me I owed a payment and that nothing showed I did not. The late fees were valid. Even though when I had logged in before the adjustments it was not late, there were no fees. Another long period of time went by and then she told me she found the notes on my account. I still asked for a manager because I had not been provided a breakdown of interest to principal previously requested and the newest payment from my employer posted incorrectly. 
While on hold again she told me the manager wanted to call me back. I refused and waited. While waiting the manager was able to make time to correct my account to no longer show past due or have late fees. I told the rep that was not the only issue and there was still more needed. 

The entire experience is a Joke. I am not someone escalates to a manager but when I am told there are no notes on my account and told that nothing I was previously told was correct and that they can not prove where my employer payments came from but they did n't previously have that problem it is crazy. It also seems that while the manager fixed the account that they refuse to actually speak to me. They continued to just send the rep back over and over again to act like a puppet with what they are saying. I appreciate empowering the associate and having them de-escalate when needed. But when there are multiple issues and the rep is not understanding them or addressing them and over a 30 minute period the rep has to come back to me more than 6 times the manager should come on the line.