23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello. I received credit card offer from First Tech credit union to open Choice Rewards Mastercard. This card goes with XXXX XXXX intro APR for balance transfers for 12 billing cycles from the date of 1st transfer. I've opened the card, used it for purchases for {$3100.00} and also made a balance transfer of {$32000.00}. Before 1st statement issued on XXXX I've made payment of {$1000.00} on XX/XX/XXXX. I paid {$2100.00} which should cover all remaining purchases on XX/XX/XXXX. However in new credit card statement there was an interest of XXXX XXXX  applied to not paid purchases of {$990.00}. Interest amount is {$7.00}. The credit union split my 1st payment of {$1000.00} and directed most of it to balance transfer amount of and small part of it to purchases, so {$990.00} remained uncovered. I was told by bank that because my 1st payment was done before statement, it was split and my next payment of {$2100.00} goes only to purchases. It is illegal because according to Credit Card Act of XXXX all payments should go to balances with higher APR, that is to purchases and not to balance transfer with APR XXXX XXXX  Below is answer of bank representative at chat : " The {$2100.00} payment on XX/XX/XXXX went completely to the merchandise balance. The previous payment of {$1000.00} on XX/XX/XXXX was divided with {$32.00} going towards merchandise and {$990.00} towards the balance transfer. The {$1000.00} payment was made before the statement cycled and got distributed with the age of the transactions. '' I requested fee cancellation and directing all my payments towards purchases but have not got any answer online nor from city branch. My requests were ignored. I made 3d payment of {$1600.00} to cover fee, minimum payment and remaining purchases, but credit union again split this amount according to XXXX statement and applied XXXX XXXX interest to {$540.00} of purchases ( {$4.00} XXXX. So it was absolutely incorrect information that they split payment only one time before 1st statement was issued. And bank again failed to comply with Credit Card Act XXXX.
Product: Credit reporting 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 XXXX. **Account Name : ** XXXXXXXX XXXX  LOANS **Date : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Equifax Credit Report Upon reviewing my Equifax credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). And according to the 15 USC XXXXi XXXX they are suppose to do this list ( XXXX ) terminal of inaccurate or unverifiable information. ( XXXX ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC XXXX they are suppose to nor 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: Debt collection

COLLECTOR IGNORED CEASE AND DESIST AND KEPT CALLING AND COLLECTING ON A DEBT UNDER GLOBAL REC. SOLUTIONS AND WENT ON MY CREDIT REPORT TWICE W/O VALIDATION.
Product: Debt collection

Try to contact customer customer service would n't help at all to removing item or help better way to solve problems over charging amount
Product: Prepaid card

I asked XXXX for a refund check. I was told a company sent a token to an email that I do not have or exists they sent a card, I do not agree to the terms and condition and now will be waiting for more than another month for the check. This has been over 90 days.
Product: Student loan

For years I have been trying to determine why my Federal Direct Subsidized loans were converted or consolidated into a FFELP loan without my informed consent that I would lose all eligibility for loan forgiveness programs under the U.S. Department of Education. I have been denied on multiple occasions for the Public Service Loan Forgiveness Program due to the fact that my loan has been converted to a FFELP and is no longer considered a Federal Direct Loan. I was never informed at the time of consolidation that the loan would be converted and I would lose all my rights to apply for the Public Service Loan Forgiveness Program. My loan servicing agent has informed me on several occasions that my loan does not qualify for the loan forgiveness program because it is a FFELP consolidation loan and if I want to qualify for the loan forgiveness program that I will have to consolidate my current loan with the U.S. Department Education. How can I consolidate this loan when it is the only loan that I have? I believe that the servicing agent deliberately withheld pertinent information from unsuspecting borrowers for monetary gain. The agent does not provide any forgiveness programs at this time. While reviewing my consolidation loan application/promissory note ... in fine print it states that I might not be eligible for SOME loan discharges that was once associated with the loans that is being consolidated but never provided the information to me pertaining to the loans that I would or would not be eligible for if I consolidated my loans with this agent. I did not receive an opt out agreement or any correspondence explaining the terms of the loan if consolidated. I have been working for a public entity for 25 years and to find out that I can't take advantage of a program that has been offered to me to alleviate a debt due to greed and the absence of information is beyond me. I have documents that the agent has sent to me but none of them are clear and concise.
Product: Credit card or prepaid card

Recently, we received our annual cash back check for our XXXX XXXX XXXX. At that point, we realized that we never received a check for the previous year. We called to complain, and basically we were told that they sent us a check for over {$300.00} ( unfortunately, I don't recall the exact amount ), but since we never cashed it ( because we never received it ), they basically took the money back, and they refuse to do anything about it. We asked to speak to a supervisor ( and spoke with operator # XXXX ), and she told us the exact same thing. We feel that they owe us this money, and shouldn't be allowed to take it back simply because we never received the check.
Product: Student loan

I was told my XXXX was accepted and my loans forgiven, now XXXX getting bills. I have checked Mohela many times since my letter came to me, and every time its shown a XXXX balance due and a message saying Your Account is in Good Standing. I was skeptical but could not complete payments on their site. Then they reported to the credit bureau that my loan was forgiven. Today XX/XX/24, I get a bill and a notice XXXX past due 202 days! Mind you, Ive checked the site several times between the letter and today! Ive attached the XXXX letter that Mohela sent me.
Product: Credit reporting or other personal consumer reports

After several attempts to try to correct these accounts with the major credit bureaus they have violated my rights as a consumer, I have taken matters into my own hands and reviewed my rights in the fair credit report act law and have found that these accounts violated MANY LAWS. The accounts im referring to are listed below, and I have attached all the errors I am referring to straight from my credit report with marks, as well as cited all the laws they have seem to violated, if not more once I send to my consumer attorney if not addressed ASAP.

15 U.S.C 1681 section 602 A states I HAVE THE RIGHT TO PRIVACY Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Inaccurate Reporting 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or DELETE THE ITEM ( S ) from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 U.S.C 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. I NEVER GAVE WRITTEN CONSENT TO THESE COMPANIES THE ACCOUNTS IN QUESTION : XXXX XXXX XXXX ALL ACCOUNT NUMBERS ARE LISTED ON THE IMAGE ATTATCHED!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Eastern account systems just responded to a complaint here/ Im adding it all They claimed to YOU a government agency that they are asking for XXXX from me. 
They just lied to you. Oh my credit report they have it listed as XXXX. Im adding that as well. Since when can a bogus company lie to a government agency See attached
Product: Credit card or prepaid card

To whom it may concern, I am contacting you in regards to a digital check that was sent to Chase Manhattan Bank. The check was sent by XXXX XXXX to pay off a debt I have with XXXX Bank in the amount of {$2100.00}. The check number is XXXX. Chase Manhattan Bank cashed the check on XX/XX/2022. 
I have tried to resolve the issue at hand with Chase Manhattan Bank and with XXXX XXXX. I do not have an account with Chase Manhattan Bank or any bank that is affilated with Chase Bank. I had contacted XXXX  XXXX on XX/XX/2022 after waiting more than 15 days after the balance tranfer application had been done, and the Customer Service Representative informed me that the check was cashed and proceeded to give me the check number, the date it was cashed, and that it was sent to Chase Manhattan Bank. I contacted Chase bank on XX/XX/2022 to find out if I had an account there and if the money went into the account. The representative told me that the account number I gave him did not connect with Chase Bank and he did not know how to help me figure out where the check went to. I called back on the same day XX/XX/2022 and spoke with another Cudtomer Service Representative. She told me that I had to speak with XXXX XXXX about getting a refund because they could not give me a refund. I called XXXX XXXX back to inform them of the information the Customer Service Representative from Chase Manhattan Bank had given me. The XXXX XXXX representative opened a ticket for XXXX XXXX to investigate the situation and told me that the investigation could take 30 days minimum. XXXX XXXX also put in a ticket for me to get a copy of the check. 
I called XXXX XXXX on XX/XX/2022 to check in on the investigation and I was told by the representative there was no update at the time. I contacted XXXX XXXX on XX/XX/2022 to see if there was an update on the investigation. I was told by the Customer Service Representative that the invistigation is still going, but they sent me the copy of the check and that I was to contact Chase XXXX  XXXX XXXX in order to get my refund. I was also informed by the XXXX XXXX Representative that since the check had already been cashed there was nothing they could do and I was the one who had to take the steps in order to get a refund. If you could please look into this refund I will be greatly appreciative. 

Sincerely, Frustrated Consumer
Product: Debt collection

A company by the name of Resurgent Capital Services keeps harassing me about a credit card payment due to XXXX XXXX that I never owed. Ive sent countless messages And proof showing that I paid this account in full & never used the card again ; I cut up the card. I explained to XXXX XXXX this & they told me that when I was paying the full balance of {$750.00} that I didnt have to pay anything else ; this was XX/XX/2017. After a year or so, I then started to get harassing letters and calls from a debt collector ( Resurgent Capital ) saying I owed XXXX XXXX {$630.00}. I tried disputing this numerous times for over 2yrs with Resurgent, yet they are persistent in trying to force me to pay a balance that I do not owe. Ive even disputed this with XXXX XXXX since they lied to me and sent this fraudulent bill to resurgent so they could pressure me into paying something I never owed. While its been a problem, due to this being on my credit report, now its a huge problem that I want to go away. In which Im willing to file anything to prove my innocence of this being a fraudulent bill. Ive made a complaint with bbb.org, Im making a complaint with you all, & im filing a police report on resurgent & XXXX XXXX for harassment, and fraudulent charges. If the problem persists, then Im just going to file a lawsuit against both parties because I refuse to fight this case to prove my innocence alone. These people are savages and they need to be stopped or put out of business. Im tired of being a victim to these people.
Product: Debt collection

Last year I discovered a fraudulent account on my credit report from Credence Resource Management originating from XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft and this account was created without my knowledge. The account was created in XX/XX/XXXX ( XXXX account # XXXX ). I found the account in XX/XX/XXXX and began disputing it. On XX/XX/XXXX I filled an identity theft report with the FTC ( FTC report # XXXX ) and filled out XXXX XXXX XXXX XXXX XXXX XXXX identity theft form ( incident # XXXX ). 


The account was removed from my credit report and I thought the matter was resolved. 


On XX/XX/XXXX the account reappeared on my credit report. I tried contacting XXXX XXXX XXXX XXXX XXXX XXXX at the number I was given ( XXXX ) many times but I only got a busy signal, not even a voicemail. I have no other way to contact them.
Product: Debt collection

I sent letters via certified mail, to this company requesting information about the origin of the debt. I informed them that my information was exposed in a data breach, and I would like to know how they received my information. I also requested a copy of origin contract, or any documentation showing my signature. I received nothing in return. I have been reaching out for almost two years and still have received nothing. The only change is that it now shows as charged off on my credit report.
Product: Student loan

On XX/XX/2022 I submitted a new employment verification to receive credit for qualifying PSLF payments. The form was marked as a duplicate, and credit for my qualifying payments were not added to my account. I spoke with customer service, and he said they would reprocess the application. I told him I wanted to speak with a supervisor, and he disconnected my call. I had to wait on hold forever, and I confirmed with the rep that the document shows the correct date, employer info and etc. I keep getting a runaround with Mohlea. The document is visible in my account with accurate info.
Product: Credit reporting, credit repair services, or other personal consumer reports

On these dates XX/XX/2022, XX/XX/2022, XX/XX/2022 I sent out dispute letters to these companies below : They had stated that they have been verified as accurate ; but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these agencies written permission to furnish these accounts on my credit report. 

XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX MB FINANCIAL SERVICES Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was notified by XXXX XXXX XXXX XXXX that there as a been a data breach within their cloud storage system that contained personal information. There was also a data breach from XXXX that I was notified about in XX/XX/2022. In XXXX of 2022 my accounts were compromised which made me check my credit report where I noticed unauthorized inquiries. 

I then had to contact XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX as my accounts were compromised due to fraud on several different occasions. I had to reset all of my account and have new debit/credit cards sent to me from XXXX XXXX XXXXXXXX XXXX I also had to file an identity theft report and. wait on hold several times while trying to resolve this issue.
Product: Credit reporting 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 168.XXXX XXXX XXXX Account Number 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 card or prepaid card

This is a general complaint, applicable to ALL cards, so no specific dates or names, etc. 

The problem is that when making a purchase, the amount is IMMEDIATELY posted to your accound, but if and when you make a return of even part of the total purchase, you have to wait any number ( 1-6 or 8? ) of WEEKS for the CREDIT to be posted. Well, someone [ the cc " processing '' agency? ] is making a lot of money off of this little trick ( and big inconvenience to the consumer ). It's BALONEY! Credit should be immediately posted, the same as a purchase. 

Part of the inconvenience is that you need to remember to check that the credit was returned at all. Week after week, until a couple of months have passed. And THEN, if it  hasn't been, YOU have to make a lot of calls to figure out and/or convince someone what or that something went wrong. 

CONSUMERS ARE GETTING RIPPED OFF IN THIS ARRANGEMENT, and IT NEEDS TO CHANGE!!! 

This should receive high priority because it applies to all cards. 

Thank you for a reply.
Product: Student loan

EdFinancial is no longer my loan servicer ; my loans were transferred to XXXX when I applied for PSLF. EdFinancial continues to report over {$75000.00} in federal student loans as being open and current, which has created a duplicate loan on my credit report and makes it look as if I own more than I do. That is two consolidation loans that were transferred to XXXX and have since been forgiven. My loans have all been with XXXX for several months, and EdFinancial is still reporting as open and active with them. I disputed the EdFinancial reported loan with the credit bureaus but the response is that EdFinancial verified the information as accurate. It is not. These loans have also already been forgiven under PSLF in early XXXX. Furthermore, I was behind on my loan a few years back and Edfinancial reported each disbursement as a late account, despite it only being one late payment to them. Since taking over those loans, XXXX continues to report the same late payments but they were not the servicer at that time. At any rate, I want EdFinancial to accurately report the status of the loans no longer held by them.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent finding by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked at my credit score and transunion and XXXX have hard inquiries on my credit file from XXXX 2017 until XXXX 2017 that I do not recognize and I have called to get them off and they have given me the run around. And I am upset and tired of dealing with the issues they are causing for me. I want every hard/soft inquiry off my credit report. Its there fault and they need to fix it ASAP. Thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting an account XXXX XXXX XXXX that displays included in Bankruptcy but there's no open or active Bankruptcy reporting on the credit report! Accurate information must be included on all consumer reports or the file should be deleted immediately! I have previously disputed this account with Transunion on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. The company has exceeded the 45 calendar and business day timeframe allotted for investigations. Therefore, I am demanding that this item is deleted effective immediately. I will proceed with legal action if the item isn't deleted within 5 business days from the date of this complaint! 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

Accordingly, pursuant to the Fair Credit Reporting Act, please mail a copy of the full printed consumer report to my ONE mailing address that you have on file.