23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Aidvantage repeatedly fails to correctly manage my student loans. They are beyond incompetent and should go the way of XXXX, XXXX and XXXX in the sense that they should be sued into oblivion for utter incompetence. 

My federal student loans are handled through Aidvantage. I am on the XXXX loan repayment plan. On XX/XX/XXXX I applied to switch to the XXXX loan repayment plan because the XXXX XXXX is doing their best to destroy the XXXX plan. 

XXXX XXXX XXXX  guidance states that if servicers ( i.e. Aidvantage ) need time to process a borrower 's application, they will move the borrower into a processing forbearance for up to 60 days. During these 60 days, time spent working will be counted towards public service loan forgiveness ( PSLF ). I want my time spent working to count towards PSLF. 

https : //www.ed.gov/higher-education/manage-your-loans/save-plan. " If servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to 60 days. '' I have contacted Aidvantage repeatedly to ask that they place my loans into processing forbearance. Their employees run the gamut of not knowing what I am talking about or giving wholly incorrect information, at all times refusing to properly manage my loans. 

On XX/XX/XXXX I called Aidvantage and messaged them on their online messaging service. The person I spoke to on the phone told me I was in the processing forbearance already. The person in the online chat said that I was not. 

On XX/XX/XXXX I contacted Aidvantage again. They told me my loans are placed in general forbearance until XX/XX/XXXX ( longer than 60 days ). They told me that this is not a processing forbearance, and that I am not eligible for a processing forbearance because the litigation about the XXXX plan is ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Too many times i had been writing and emailing to the bureaus about the accounts i am complaining. They should not be in my report. I have late payments and unauthorized inquiries that were places there illegally.
Product: Credit reporting or other personal consumer reports

Earlier this month i received an email from XXXX that my personal information has been compromised due to a data breach, this information included my name, social security number, date of birth, address and phone number. they gave me identity work to use for XXXX year. i decided to purchase my first set of credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to find out that i have been a victim of identity theft for a long time. apparently. these criminals somehow find my personal information and changed my phone number and address and got XXXX credit cards from XXXX  XXXX XXXX, since I was not aware of these accounts, they both account got charged off and i do not know if they been sent to collections or not. i immediately contacted credit bureaus and told them about these unauthorized accounts and they instructed me to file a police report and a report on this site identitytheft.gov. Please help me to resolve this stressful situation, thank you
Product: Checking or savings account

JP Morgan Chase bank double charged my account for ACH service fees for XXXX XXXX years. The total overcharge was {$1100.00}. They agreed that the charge was in error and promised the funds would be returned in 24hrs. That was 2 weeks ago. After several calls, they claim they are continuing to research the problem and have moved it to the executive level and cannmot tell me when the funds will be returned.
Product: Checking or savings account

XX/XX/year> Wells Fargo allowed a person with a Fake ID to empty our retirement account of XXXX dollars with asking for any PIN numbers or verification s
Product: Credit reporting

In the beginning of XXXX 2015 I was informed by Equifax that my credit report would be transferred over to their " Equifax Office of Consumer Affairs ''. At the time I had no idea what this department was nor why I was placed in this department. 
Also around early XXXX I began applying for credit cards and shopping around to refinance my home. 
I was denied several credit cards and mortgage opportunities. I had no idea why until I started receiving letters in the mail with the reasons why. These letters were stating that " Equifax credit bureau information is missing/unavailable or score not available ; insufficient or unknown credit history ''. 
Curious I called the " Equifax Office of Consumer Affairs '' to ask about the situation. I was told that companies would not be able to get access to my reports anymore because NOW my reports were being held by the " Equifax Business Division ''. 
Meaning mortgages, credit cards, insurance companies and even a job that Im trying to get would have to contact this Equifax Business Division. 
This has been a HUGE burden on my family and I. I cant apply for jobs in a timely matter, get car insurance, nor apply for credit. I also can not access my credit report online anymore, which according to the law I have to right to receive. 
I want to be taken out of this " Business Department ''. I want to be taking out of their " Equifax XXXX of Consumer Affairs Department ''. 
I have still never received a explanation in writing as to why I was put their special departments in the XXXX place. I do think because of me contacting the CFPB in the past, this is their way of " punishing me ''. 
Regardless I have a right as a consumer to access my personal credit report and give permission to other entities without having them contact the Equifax Business Division. 
I would like an explanation as you why this happened. I have also contacted a lawyer about the situation. I am ready to go further if need be. Hopefully this can be resolved without any further problems. 
I would like to have Equfax remove me from these departments immediately. 
Thank you ... .. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian Credit Report has halted all credit reporting activity from my creditors. My last active report was done on  XXXX   XXXX  ,2017. All o ther Exper ian Credit Reports have been ok. All of the sudden my whole credit history is gone and Experian is not reporting or the credit ors are not reporting to them since that date. I would like to know what happen.     My first action was to contact Experian, however the only simple resolution was to call all my creditors to report to them, but that will be a taunting task to do all myself. I have uploaded my most recent Experian Credit Report belo w. Two repres entatives tried to assist me but only came with  XXXX  recent closed  XXXX   XXXX  card since  2017   . They  XXXX  soft credit pulls. They do have a service called Experian  Credit Works and  also there regular consumer Experian website.     In addition I will also include the most current credit report that has nothing of my credit report information, just my personal information.     On a side note :  XXXX  and   XXXX   are reporting accurately
Product: Credit reporting

Describe what happened so we can understand the issue ... 
For the last couple of years I have worked diligently to repair my credit. I have had many challenges to say the least. I have paid off more accounts than negative credit. Accounts I have disputed have been removed from my account. I am employed and have been for 20 years at the same employer and have worked a XXXX job for more than 6 months changing my debt to income ratio. In this time my credit score has remained extremely poor. Based on the below chart my score should have changed for the positive long ago thus increasing my score. There are also several questionable inquiries on my credit report which concern me. 
Payment history ( 35 % ) The first thing any lender wants to know is whether you 've paid past credit accounts on time. ... 
Amounts owed ( 30 % ) Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO ( R ) Score. ... 
Length of credit history ( 15 % ) ... 
Credit mix in use ( 10 % ) My attempted in verifying my score with each bureau via phone went nowhere. They will not answer questions about your score and direct consumers to go on line and pay to view the score. Even after I stated I wanted a copy of my report because I was turned down for credit and I was still directed to go on line. I was told by customer service that I could not dispute my score. Where is the customer service? There are times it is not convenient to go on line especially when a consumer has questions. 
Consent to publish the description of what happened? Consent provided
Product: Checking or savings account

On or about XX/XX/2021 I was notified by BANK OF THE WEST that I was being charged {$70.00} for two overdrafts on my account. The amounts were XXXX CENTS and XXXX CENTS. I was charged {$35.00} for each transactions and neither was paid by BANK OF THE WEST. Both amounts were deposited and were suppose to be withdrawn for verification of my account for XXXX. This is a new account with BANK OF THE WEST and I was trying to link other accounts to the BANK OF THE WEST account, only to be charged {$70.00} for an overdraft of less {$1.00}. I was notified by XXXX that the transaction has gone through, but once I checked my account it appeared BANK OF THE WEST reversed that transaction in an attempt to charge the overdraft fee of {$70.00} for two withdrawals for less than {$1.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax many times to follow up on a dispute that was sent to them months ago that was FRAUD and they continue to play games and say they never recieved it or the ones that do say they recieve it refuse to dispute it. I spoke With XXXX today agent number XXXX she was very rude, would not help me with my disputes and refused to even look for any documents i had sent to them.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block, inc. ) due to inadequate customer support and unfair practices. Which violate consumer financial protection act ( CFPA ). Specifically cash app failure to take timely and effective measures to prevent and address fraud on thier platform leaving my account vaunerable and unprotected. Furthermore thier dispute resolution is unfair and deceptive. As they do not comply with the electronic transfer fund act ( ETFA ) and regulations. These actions have caused an inconvenience and major financial loss. And I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call the company to payoff at Balance I never knew I had. I pulled my credit report and paid it off on the XX/XX/XXXX. In the amount of {$610.00}. So now everytime I run my report it shows as a red flag. I received my paid in full letter on the XX/XX/XXXX. But every time my credit is ran pops up as a balanced owed. I have Called the collection company, I tried disputing it as well and nothing has happened.
Product: Checking or savings account

On XX/XX/2018 at XXXX I had a alert on my phone about my account. I check my account on it inform me that it was close. On XX/XX/2018 I got and text from bank of America about a identification code. Call the bank asked them why did send me that code. The representative mention that someone probably trying to hack into my account.i asked will the bank inform me about any fraud, the answer was yes. They close my account what out telling me why they close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all my personal information was falsely given by somebody that was not me. Then the person or persons continuously inquired about my property such as mortgage on my house and my credit cards that were already paid off, the person or persons that work for Equifax and XXXX credit report and credit score On each account of my name and Home Address and phone numbers of my Personal information that were used Frauduantly or illegal shown to Creditors In order to ruin my name and credit reports And scores for over 25 plus years or so which I had no credit since 1984
Product: Credit card or prepaid card

XX/XX/2019 Chase lowered my credit limit after I had gotten an auto loan through another bank. This year due to Covid-19 I asked to have my annual fee waived because I had the sapphire reserve card and there was no point in having it and using it for travel. The representative told me that's not possible. I asked to switch it to a card with {$0.00} annual fee and she told me I needed {$5000.00} minimum of credit limit in order to move to no fee card and asked if I would like to try to have my credit limit increased which I said no to because it would be negatively credit impacting. She asked me, if I would like to cancel the card, which I again said no because it would be negatively credit impacting. I asked to speak to a supervisor and she said supervisors are only taking " front line customer calls '' and when I asked what that means she said, " customers who are waiting in line. '' I asked how are they different from me and she kept saying she won't transfer to a supervisor and then hung up on me.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/1996 This request is being made in accordance with the Fair Credit Reporting Act ( FCRA ), and I refer to the following sections : 1. 15 USC 1681c-2 ( a ) : Requesting the immediate blocking of any accounts opened fraudulently in my name.

2. 15 USC 1681i : Please investigate and delete any inaccurate or unveriable information resulting from this breach.

3. 15 USC 1681e ( b ) : I request a thorough review of my credit report and the correction of any inaccuracies caused by this breach.

4. 15 USC 1681g ( a ) : I am requesting a full copy of my consumer report to verify the accuracy of the information reported.

5. 15 USC 1681m : Please ensure that no negative information from this breach is reported inappropriately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SUnder Dispute XXXX XXXX XXXX SDispute XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXX. 

all ftc violations The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Fair Credit Reporting Act ( FCRA ) is a federal law that  regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. 

all the information are ftc violations
Product: Student loan

I graduated in XX/XX/XXXX. I received information from my school and from my loan lender, XXXX post graduating. I deferred my loans. I ONLY ever delt with XXXX. in early XX/XX/XXXX I paid a big chunk on my loans and then a week later I was contacted by Nelnet to say that I also had a loan with them. I had not had any contact from them for the 3 years previously. When ever I had questions about my loans I dealt with XXXX. I was making payments to XXXX and my loan was sold to XXXX. I asked them if when I was calling XXXX to defer would they have contacted any additional loan carriers? The answer is no. So, I am writing to you to have this investigated. 
The Facts : My college sent me a loan packet after graduating. It was for the same amount XXXX gave me ... {$38000.00}. 
I deferred my loan for 3 years I never heard a peep from Nelnet I got a call from Nelnet in XX/XX/XXXX. When I stated I 'd never gotten anything from them they just said, oh well .... 
I believe someone took out loans in my name, or something else very strange. I should only be responsible for the pay out amount my school sent me.
Product: Checking or savings account

Credit Karma has failed to inform me of why they suddenly and abruptly blocked access to my funds. It's been well over a month that I have tried resolving any issues but they have never given me a clear explanation as to why they are not letting me access my account. I receive my employment direct deposit to this account and have fallen behind on bills and rent due to them preventing me from withdrawing any money. I have been left on hold for hours then I am disconnected.i have a full time job that doesn't allow me to call credit karma all the time. Every day, for my lunch break I call them requesting my money and closure of the account they do not follow through with it. They have submitted about five inquiries to their " higher department '' who is supposed to contact me within 48 hours to resolve this, but they don't follow through as well. I'm frustrated and need help here.
Product: Vehicle loan or lease

On XX/XX/XXXX i tried to call is auto finance and get my car turned back on after they disabled it i am only 6 days late for a XXXX dollar payment all other paymebts have been made
Product: Money transfer, virtual currency, or money service

I received 2 emails and a text from CHIME saying welcome to your new chime account .... 
I hadn't opened this account and immediately phone the company 's " lost and stolen '' area. 

The guy said yes, an account was opened using my EMAIL ADDRESS AND PHONE NUMBER but refused to close it b/c there was a different NAME on the account. 

Although I repeatedly asked him to close it he said he could only do that if I provided my DOB .... and of course after I provided that he said he still couldn't close it b/c the name didn't match. 

I was of course placed on a hold several times while he " checked to find the account '' even though he ALREADY HAD LOOKED UP THE ACCOUNT... 

AFTER 45 MINUTES GOING IN CIRCLES ON THE PHONE WITH THIS GUY he FINALLY agreed he could close the account. I insisted he send me an email stating that and stayed on the phone until I received it. 

FREAKING SHADY COMPANY -- - I SEE THIS HAS HAPPENED TO MANY OTHER PEOPLE. SHUT THIS COMPANY DOWN!!!!!
Product: Credit reporting or other personal consumer reports

Got a mail saying that I was pre-approved for Commerce Bank credit card. So I went and put in my information to see what offer they were giving me. After submitting, it said they needed more time to review my application and they would let me know their decision by mail. I noticed a hard inquiry from this bank. It never mentioned they were going to pull my credit and me guessing since I was pre-approved. There was going to be an offer on the table and It would give me the option to accept or decline it. Like other credit cars that I have been pre-approved on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card is on my credit card, I have contact all three credit bureaus about this, it has been over XXXX, I have not received a response..this account do not belongs to me, I did not open this account..I don't sign any agreement to have this account open in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THAT I WAS NOT LATE ON THIS XXXX & EQUIFAX HAS IT INCORRECTLY REPORTED IN MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " CORRECT '' THIS ACCOUNT. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit card

Again " XXXX. '' I've asked you this twice so stop writing a long written response and ignoring my questions. on XX/XX/year> and spoke to them for XXXX hour XXXX minutes you stated the card will be closed down and charged off. Your representative in a phone recording said and I quote. There will be no more fees or charges added as of this date. The account is closed. So with all the fraud on this account ( which you guys flagges and emailed me before I even caught it by the way ). So how does it go from {$11000.00} to XXXX in extra fees and interest if in fact the account was closed as of that date. In your first letter you stated you added interest and fees up to XX/XX/XXXX date. Correct? Answer this question. Then in your second letter you contradicted yourself and your stated it was in fact closed in XXXX but the extra {$2500.00} is the late fees and charges for that XXXX and only month. How do I get roughly {$2500.00} as a late charge in one month. Which by the way. Is impossible because the prior months payments were missed and they were no where near {$2500.00}. So how do I get {$2500.00} in Late Charges and Fees from one single month? Answer that question XXXX. Dont avoid it. Im asking you. Also, why did you avoid my question in the prior document about all the negative reviews on BBB amd XXXX writing an almost identical story. Answer that question as well.
Product: Vehicle loan or lease

I have leased a new Honda XXXX XXXX from XXXX Honda ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) in XX/XX/XXXX. In XXXX of the same year, the salesman contacted me saying that the deal wasn't approved and that I should return the car. When I went back to the dealership, they told me that they found a way to make the deal approved and they made a different contract. I gave {$2500.00} as a down payment in XXXX and after almost XXXX months they made a new contract where the vehicle was being financed by XXXX XXXX. 
I have been paying XXXX ever since for 13 months. It doesn't show on my billing the {$2500.00} that was paid when I first got the vehicle. In addition, my car was involved in a car accident on XX/XX/XXXX, and as a result, was a total loss. My insurance company XXXX is trying to pay for the claim but XXXX XXXX is not presenting the title of the car because the title is still under Honda Leases name. In addition, XXXX continues to charge me for monthly payments even though they are aware of the insurance company repossessing the total car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been on my credit report for over 7 years. This should have been removed. I have disputed it several times an no results.