23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX I looked at my XXXX credit report on XXXX XXXX,2024 and noticed some things are incomplete and not accurate. 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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 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 1681s-2 they are supposed to 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. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS
Product: Student loan

I was denied for teacher loan forgiveness the first time because I applied in XXXX of my XXXX year. So I applied again 4 years later, I was never notified I had to call EDFINANCIAL to find out it was because they did not read the application completely to see that I taught 7 years at one school and was at a new school for the last 2 years. The agent resubmitted and it wasnt until I called them again 6 months later that I found out I was denied for filling out the wrong line on the application. During this 6 months of non communication, my credit score fail 100 points because I thought I was in forbearance awaiting a decision on my loan forgiveness. Although the dates were corrected this did not help the fact that my credit score fail for 8 months and it effected my financial portfolio. I recently applied again and was denied because I was told that I had an OUTSTANDING loan before XX/XX/1998, which is incorrect because I was a XXXX at that time. I asked to speak to a manager and was told he was the only manager I could speak to. Edfinacial need to be investigated, most of all the complaints are the same, and customers financial portfolios should not be left to the hands of customer service agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Experian on XXXX regarding fraudulent items found on my report. I placed a dispute and sent them my FTC reports along with ID and proof of address as requested. Upon following up I was told that my ID was not clear enough and that I should resend it again to allow them to remove/block the fraudulent items. 
I followed up again on XXXX and was told that despite having my FTC report- they are not able to block this information. 
They also refused to remove incorrect names and addresses because they are attached to fraudulent accounts. 
I was told my Experian that I do not qualify to have items removed and would not tell me why because its their internal policy which they refuse to explain in detail. 

Credit reporting agencies must block information from a consumer 's credit report if the consumer provides an identity theft report. This is in accordance with the Fair Credit Reporting Act ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts in collections with inaccurate information reporting, Please send verification or agreement stating the transaction or buisness weve done together. If can not provide accurate legal statements please remove within the legal time frame.
Product: Student loan

I spoke with XXXX at Fed Loan Servicing employee number XXXX on XX/XX/2019 at XXXX XXXX EST. He gave me conflicting information on my eligibility for the PSLF program as well as the difference between PAYE vs REPAYE and the status of either loan if I were to take out new loans. 

I asked to speak to his manager for clarification and he refused putting me on two 5 minute holds so I could " think about it ''. When I didn't hang up he said he would transfer me to a supervisor but instead he hung up. I spent an one hour and 20 minutes on the phone and still couldn't get my question answered.
Product: Bank account or service

Never take the credit card offered by TD BANK. the problem is their customer service. They do not listen, well they listen and pretend they will follow your directives. I paid OFF my credit card, overpaid it by {$98.00} or so ) from my Che kings count ). I asked them to put it back into my Che king account. No, they send a Check. Now, another month or so goes by, I have a XXXX BALANCE ON CREDIT CARd. THEy TAKE {$200.00} from my ChecKing account to the credit card ( duh ) and give me a CREDIT BALANCE of {$200.00}. I have sent XXXX messages, XXXX Friday morning, XXXX today, Saturday ... l No reply from TD, but my $ is gone to the card, not in my Che King account. I TOLD THEM TO CLOSE THAT XXXX CREDIT CARD ACCOUNT when I paid it off. now I will be looking for a new bank. I 've been with TD now for about XXXX years or more. they will not accept any responsibility for their credit card, they just TALK YOU INTO GETTING IT.
Product: Student loan

I consolidated all my loans to XXXX XXXX in XX/XX/XXXX to participate in PSLF and get a payment plan with IBR. In XX/XX/XXXX, my loans were transferred to XXXX XXXX. In XX/XX/XXXX, they were transferred again to FedLoan Servicing when I submitted my first employment certification. From XXXX, I was awarded a yearly XXXX XXXX XXXX Grant for my employment as a XXXX   XXXX. In the fall of each year during the grant period, a lump sum payment of several thousand dollars was made to my loans. Additionally, I also paid my monthly payments in a timely manner. Sometime in fall XXXX, I was on the phone with my servicer about payment plans. During that phone call, the customer service rep just happened to mention that I was on pay ahead status due to the lump sum payment made in XXXX. She also told me that due to the pay ahead status, I would not be given any credit for the payments where I was on pay ahead status even though I made them every month. I then asked never to be placed on pay ahead status. Due to that error and not knowing this was an issue, I missed out on 8 months that could have been calculated towards my 120 payments. I was able to narrow down the window of time from around XXXX/XXXX XXXX to about XXXX/XXXX XXXX payments were not considered for PSLF. At no time did XXXX XXXX, XXXX XXXX or FedLoan Servicing ( all three companies were holding my loans during the aforementioned time ) inform me that the lump sum payments would not be counted towards PSLF nor did they seek my consent to place me on pay ahead status. The additional 8 months is significant because that could mean I am eligible for loan forgiveness in XX/XX/XXXX rather than XX/XX/XXXX. This amounts to about {$2800.00} in potential overpayments. ( I won't even get into the times FedLoan Servicing put me in forebearance automatically when I was switching payments plans ).
Product: Checking or savings account

Opened a checking account on XX/XX/2022 on behalf of my wife, who received an invitation to open such as a Citibank customer with an offer to earn a tiered bonus predicated on the deposit of funds. It was called the OOBTA Tiered Bonus Checking Offer. The offer code for same is supposedly # XXXX. We opted to deposit $ XXXX into the account and were given 20 days to deposit funds to earn said bonus and the money needed to remain in the account for ninety or 120 days in order to receive a {$700.00} bonus award. The account was fully funded on the XXXX of XXXX ( or the day after the account was opened ). The the bank has verified this on several occasions via telephone inquiries to determine my specific eligibility. I was assured on each such occasion that my eligibilty was concrete and validated. The money remains untouched ( $ XXXX ) and is still in the checking account to this day, more than six months after the fact. I was informed by Citi that the account would be credited with the {$700.00} bonus on XX/XX/2022. It was not. I called and made an inquiry as to the problem. I stated my case and they provided a reference number for my inquiry ( # XXXX ). They never responded. I was forced to call again. An 'expedited inquiry ' was formulated under the same reference number. Again, no response from Citibank. After several days I noticed an alert on my checking acount when I logged in. I read the alert which said that the bonus based on my opening the account a day later than the deadline. This was not the case and I appealed my case. After a 'back room ' inquiry regarding the account opening, I was assured by a manger on the phone that I was in compliance with both the date opened and the required deposit. An additional inquiry was initiated to the 'back room '. The 'back room ' now needed to find a different excuse to deny the bonus. And they did. Several days later another alert appeared on my account and I again opened the same to find out that I was again denied the bonus because the 'offer - invitation ' was directed toi my wife and not to me directly. The checking account I opened was a 'joint ' account with both my and my wife 's name. It refects all four Citibank credit cards that we possess as we are joint account holders in everything we possess that is 'Citi XXXX related! In my opinion this is despicable behavior for a major bank such as Citi supposedly is. I am embarassed for them as such and very embarassed in myself for trusting them to due the right thing. I hope you agree and await your reply in regard to my complaint. Thank you for your efforts on my behalf. Who knew I'd be safer in the hands of XXXX XXXX? Wow!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, Over the past few months I have been trying to dispute the accuracy of personal information on my credit report and I have failed to get a resolution. Past addresses keep showing up, past employers keep showing, and unrecognizable spellings of my name to mention but a few. I sent disputes to Experian, XXXX XXXX, and XXXX that are pending for the last two months. Old accounts that were closed years ago are still showing and the number of open accounts, I have disputed but never had an updated result. Can someone with a better approach to the fair credit reporting act help me out, please?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$160.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$680.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$840.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00}, XXXX & XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$97.00}, XXXX XXXXXXXX Balance : {$770.00}, XXXX XXXX Balance : {$770.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 



XXXX XXXX
Product: Credit card or prepaid card

I was promised a credit for the XX/XX/2018 interest by multiple Walmart/XXXX XXXX reps over the last 3-4 weeks. Then when I check the site, nothing happens. I contact Synchrony and they give me a form letter and explain fees to me. I understand the fee process and I don't need the form letter. I was promised the credit for the XX/XX/2018 interest in the amount of {$100.00} and they refuse to live up to this promise! In addition, the response I was given by a XXXX XXXX XXXX, stated and I quote " We attempted to contact XXXX XXXX but were unsuccessful ''. Well, I have ZERO record of a phone message from this person and only got an automated response from her in an email saying she was looking into this. I was never contacted after that and that statement is misleading and false.
Product: Credit reporting or other personal consumer reports

I am refilling this complaint to EQUIFAX confirmation number XXXX for allowing fraudulent inquiries and fraudulent accounts on my credit report and for no corrective actions taken on these unauthorized inquiries and fraudulent information. As I checked my recent credit report, the unauthorized hard inquiries and inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX and XXXX for your reference and as proof. I have sent my communication letter to them last XX/XX/2023 but until this time, they don't take action on my request.
Product: Credit card or prepaid card

2nd complaint. I have had my capital one credit card for several years and my son has been an authorized user on the account ( he is a minor ) Per capital one credit card agreement he meets the age requirements to be a user, I recently added additional authorized users. Upon doing so ALL MY CARDS WERE RESTRICTED, because they wanted the PHOTO ID and SS CARDS to all at the same time otherwise the card would remain restricted.. I was able to obtain all information from all authorized users except one. My brother travels and does not carry his sscard with him. ( per the SSA recommendations and all credit bureaus, consumers should not travel with or keep this in their wallets, etc ) After I have received all information from all parties, they are requesting that my son has a government ID. He is a Student. He does not drive, and in TEXAS it is not a requirement that he has a government issued ID, at his age. Capital One has blocked me from using my own cards. I understand if aall the authorized users are not allowed to use the cards. However, Capital One does not allow me to remove any authorized user that placed on the account. I.E if one of the authorized users decided that they did not want to provide capital one with this sensitive information ... CAPITAL ONE informed me that my card ( Primary Users CARD ) WOULD HAVE remained BLOCKED! THis process is ridiculous and needs to be streamlined to make sense. THere was also no warning prior too. If I was aware that this information would have been needed I would attained all information prior. To ensure a streamlined process. I would have NEVER wanted my card to be restrictedor my son to be embarrassed while trying to get food on the day the card was restricted without NOTICE. THERE was no email, call, text or automated call sent. Although I receive a daily summary of my balance via email each day. They also do not honor your automatic payments when they account is restricted. i was charged a late fee because they failed to inform me that they would not draft the payment from my account for the minimum amount due when the account is restricted. I have talked to Capital One and they claim they have talked to other financial companies that have the same process. The fact. Other compnaies request the inoformation prior to sending out the cards and they inform the Primary card holder during the process of adding the Authorized user and or the call /email with information and a time frame ..i.e 72 hours to provide documents before request is cancelled.. However the Primary card holder is not restricted unless they are the party in question. please assist me in this process. I have been on the ph today 96 min trying to get an answer regarding my sons required docs and there is nothing written in the Capital One by laws that state this information.
Product: Debt collection

XXXX or XXXX I went to check at the small first aid clinic ( at XXXX ) XXXX XXXX XXXX because I fell dizzy, they ask me for my id and insurance I provided both and fill the form they check me for 5 minutes and did not find anything and did not even tell me what to drink or to do just that if that happen again go to the hospital, 3 months later i received a call about that debt and i response i have my insurance how can you ask me to pay that instead of charge the insurance, they ask me to provide again the information of the insurance and did., 4 or 5 months later again i received another call, and i explain the same, since that day they continue trying to collect that 5 minutes of attendance that should be paid for that insurance company that I decided to cancel too. 
they are selling this debt in 5 years like 5 or 6 times to different companies and damage my credit too. 
XXXX XXXX XXXX XXXX Original creditor
Product: Credit card or prepaid card

My due date was on a Sunday ( XX/XX/17 during a three day weekend ( XXXX XXXX ) and it did not roll to the next business day. The chase bank branch near my house was closed both on Sunday and Monday. I have worked in Mortgage servicing for more than 20 years and we are required to roll any due date to the next business day when it falls on a weekend and I believe credit cards should as well. I believe not requiring a due date to roll to a business day is an unfair and unethical business practice. I was charged a {$25.00} late fee
Product: Checking or savings account

On XX/XX/year> XXXX there was an unauthorized transaction from XXXX for {$4900.00}. Which would be XX/XX/XXXX XXXX XXXX time. I told them my phone was recovered later that evening. That's when I called and reported the transaction. I would never make a transactions like this. The card that was used during the transaction was canceled and replaced.
Product: Student loan

I was placed in an Administrative Forbearance in XX/XX/XXXX. My account showed " Loan Status : Forbearance '' and " Status End Date : XXXX '' on the website and via MOHELA 's phone tree from XX/XX/XXXX until Late XXXX. Despite this, the account updated mid XXXX to show a payment due in XXXX, while simultaneously showing the forbearance status ( screen shots provided ). 

Unable to reach the by phone, I made the payment and then requested they fix the status and process a refund vie their email option on XX/XX/XXXX. They responded on XX/XX/XXXX confirming the error and stating that a refund would be processed in 60 days. 

I called to check on this refund today, XX/XX/XXXX as it has been over 60 days and I had seen no sign of the refund. At first the rep confirmed it was being processed but, when I asked for details, they admitted the refund had been cancelled as " it would cause a delinquency ''. I have not missed any payment ( XXXX was submitted 4 days late as I was waiting for them to send my refund but in no way am I delinquent ). 

Not only did they improperly and dishonestly cancel this refund, they did so without notifying me despite confirming the refund in writing