23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had XXXX XXXX  loans for my sons through Ed financial for over 6 years. I've not had any problems with payments until they changed their system over in XX/XX/2023. I made a {$5000.00} payment to ED FINANCIAL on XX/XX/2023. It was removed from my account by Ed financial via ACH payment. I have bank records that prove this. I also have a confirmation # from ed financial when I made the payment which I have given to their customer service department 8 TIMES!! They absolutely can not explain where my money went, why it was not applied and all they say is " I'll forward this to the finance department ''. AFTER 2 and a half MONTHS and over 15 hours, this is STILL not rectified, with no response from anyone at Ed financial. Customer service requires to you to stay on the line for hours. They have only 1 phone number. They do not call back and are useless. There are no emails, live chat available, or responses and when I finally do get someone to pick up the phone, they offer no solution. They make excuses or they lie. One time we were told that THEY COULD SEE the payment on my account but we couldn't ... which was a lie to get us off of the phone. Any time I make a payment it will say " pending '' and " Processing ''. It says nothing. They also said they would send a record of all of the payments we've made in the last 6 years, which they did, and of course it DID NOT HAVE the {$5000.00} payment on there. They have STOLEN my money, refuse to take ownership or apply my payment. I am now out {$5000.00} which is a lot of money in my family and I continue to pay a higher interest rate for the last 2+ months because they refuse to credit my account. They refuse to allow you to speak to someone in the finance department or a supervisor. They say " that's not how we do it here ''. It absolutely should NOT take this long to find my money. I have a confirmation # and all they need to do is type that number in to see that it is to be applied to my account. What good is a confirmation # if they can't access it? It is a feckless, corrupt company that steals money and continues to XXXX you with higher interest rates. Trying to make up for the NO INTEREST rates for 2 years during Covid.. I'm sure. I can not get them to help me or respond. Please help me and/or let me know of a different way I can go about getting my payment applied to my account. In addition, I try to log in and it now has disabled my account saying the info I put in there, ( my sons ss #, birthdate and Account # ) are incorrect. I've logged in several times with the same info and it's never been incorrect. So now I can't get into my account to pay anything. I've never experienced such frustration and problems with a company before. Thank you for your attention to this.
Product: Debt collection

I first became aware of the debt when applying for an apartment and as it 's reporting on my credit report it is affecting my ability to get a home
Product: Debt collection

This company is furnishing information on my report without my consent 15 USC 1681b. No consent is identity theft.
Product: Checking or savings account

I stayed at XXXX XXXX by XXXX XXXX XXXX where I checked in on XX/XX/XXXX and checked out on XX/XX/XXXX. When I checked in they charged my personal debit card, and on checkout I requested a receipt however the receipt showed my company credit card numbers. I further reached out to XXXX in attempt to resolve this, I spoke to customer service and was escalated to the manager of the hotel. The manager said he could not see any transaction involving my debit card, or he would refund me. He stated he only saw the funds that were withdrew from my works credit card. He sent me an email to assist in a dispute with my bank against XXXX so I could be returned the funds. In the email he states that the confirmation number for my hotel stay was settled with my work credit card ending in XXXX and that no funds are needed from the card ending in XXXX. I then took this to my bank ( Chime ) and filed a dispute. They intially refunded my money, however when the investigation finished they found nothing was at fault and took the money back from my checking account. I then re-opened the case again, and it was closed the very next day stating no wrongdoing occurred. I opened the case a 3rd time and again it was closed 2 days later saying no wrong doing was done and they also did an investigation on their internal systems and found there was no error. In the 3rd email specifically, I created a document and uploaded it to my bank, explaining that the confirmation number XXXX is what I stayed at the hotel under, I show the receipt that shows the payment for the confirmation number was made by the card ending in XXXX. And further explained that my card ending in XXXX was also charged for this hotel stay. I more or less spelled out the situation for them. 

After working with chime further I had talked to the hotel manager again, to which the manager said he saw a chargeback come through in XXXX of XXXX for the card ending in XXXX. He verified with me that this was not the card I needed the money back on. I let him know that he was correct, the card XXXX is my Chime card that I am filing the dispute for. 

The documentation that Chime received back from the merchant 's credit card processing company shows that Chime put in the request using the card number ending with XXXX. However the merchant 's processing company responded showing that the charges were rightfully authorized to the card XXXX, They did not respond at all stating anything in regards to if XXXX was responsible for making payments. This is the proof that Chime has closed this case 6 times now on me. I have once again opened a dispute today. This is an ongoing issue for a year now where The XXXX took my card ending in XXXX as a hold, to which it has cleared their system and been refunded to me, and the only entity that can prove that the money has not returned to my account is Chime. Chime has caused me nothing but headaches and a loss of {$400.00} for nearly 1 year now at this point. 

I am extremely upset by this situation and I want it resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 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 a account without my written instructions.
Product: Credit card

On XX/XX/XXXX I reported my card stolen due to receiving a charge that was declined on my card that was not authorized by me. I realized that I had lost my card and ID. Upon logging into my account afterwards I noticed that there were 3 charges on my account I immediately called chase who closed my account and issued me a temporary credit and told me i didnt have to do anything and had nothing to worry about. On XX/XX/XXXX I was notified that I would be responsible for those charges and I immediately called and tried to figure out why and dispute it with no avail I have all the information requested and even sent the receipt of my replacement ID and have heard no response as theres no way to directly appeal the decision Ive been waiting anxiously as this is XXXX dollars that Im on the hook for that I didnt make. I hope it was just a mistake and this can get resolved soon. As I feel I have done something everything asked of me to prove that it wasnt me I reported it right when I saw it and sent the receipt of my stolen ID. Thank you guys for your help.
Product: Credit reporting or other personal consumer reports

I never gave any written consent to furnace my information to no company. And for all the charge- offs I'd your charged something off there can't be a balance and theses things are in accurate and I want them all removed and send me the steps to correct this
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer reports as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

I opened my account, and I deposited my Child Tax Credit Stimulus check. At first, the bank put a hold on it for over 7 days, however, the next day I noticed my funds are available. Since I didn't receive my debit card yet, and I was desperately in need of my Stimulus check, I tried to use XXXX on my checking account to transfer some of the money to my wife 's account. The bank put the transaction on hold, shortly after, I received an email saying my transfer request has been canceled. The email also suggested that I have a Secure Message that I need to review, and when I tried to log back into my account, my account was locked. In order for me to unlock it, I needed my account number which I couldn't have since I didn't have access anymore. Now the bank has my money, without leaving me a chance to manage my funds and to check my messages. This is ridiculous, I can't believe the bank can be so irresponsible especially when it comes to Economic Impact Payments. What I don't understand is how they assume me having my newly opened account number and how to read my messages while my access is locked. I tried to call customer service, they reduced their working hours, so no one answered my call.
Product: Debt collection

I was checking my credit report this afternoon, XX/XX/19, and saw an unfamiliar debt in collections. It was for the amount of XXXX $ by Commonwealth FinancialXXXXMy bank provided a number to call so I did. Upon calling for information they said that they had attempted to contact me regarding the debt earlier this year. I checked the email they had on file and I received no such email at the time they supposedly sent it out. I asked them to send another email this afternoon and upon checking the email and my spam, I still have not received anything. This has negatively impacted my credit score and I was not informed of the debt prior to it being sent to collections. I dont delete received emails in my account so Im happy to share my emails if need be. I wasnt sure if that would qualify as personal information.
Product: Mortgage

While negotiating a loan modification with Wells Fargo back in XX/XX/XXXX, my home was put into Foreclosure in error by Wells Fargo ( Dual Tracking ). I fought the Foreclosure with two Chapter XXXX filings ( XX/XX/XXXX, XX/XX/XXXX ) which provided an automatic stay while Wells Fargo and I worked on several HAMP Loan Modifications. When 3 successful trial payments are made to Wells Fargo, they intentionally neglect the structural issue ( XXXX ) in the home and provide false appraisals based on Comps. WF continues to this day in not doing an actual on sight analysis and are back to square 1 and starting over. The first chapter XXXX ( XX/XX/XXXX-XX/XX/XXXX ) was successfully completed with Wells Fargo not receiving anything from the Trustee because they were aware that the loan mod was being worked on during the duration. This process continues with the new chapter XXXX filing ( XXXX-present ). A HAMP Modification was completed in XX/XX/XXXX but the final paper work revealed errors and flaws and I stopped making independent payments after 2 months. All I want is for Wells Fargo to recognize the structural issue and reflect it in the actual appraisal. We were awarded damages by the National Settlement for Improper Foreclosure Filing back in  XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I applied for a lending club loan on XXXX XXXX. Lending club advertises a start to finish application process of seven days. After 8 days, no documents have been reviewed so I contacted customer service. Customer service advised me that the process will actually take up to 30 days to complete. I feel that Lending club used Unfair Deceptive and Abusive Acts or Practices in their marketing of this loan. Had I known the process would take a month and not a week I definitely would not have user their service. I would have gone to my bank instead. This has put me in a pinch and I definitely feel that this constitute a bait and switch. I ask for your help in remedying the situation.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting several addresses that are incorrect. My only address is XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX any other address is incorrect. I have previously asked that this information be delete and it has yet to be done. This is my final attempt at resolving this issue and I will sue.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
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 XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled all 3 credit bureaus report my XXXX credit score is XXXX, my XXXX credit score is a XXXX but TransUnion score is a XXXX.TransUnion is not reporting my score accurate.There no way my TransUnion score is a XXXX I have no collection and no late payment 1 percent credit usage and 2 inquiries.my TransUnion was a XXXX before I paid my credit usage down to 1 percent. This score is not accurate please fix as its hurting me Financial.
Product: Debt collection

XXXX XXXX : I made phone call while living at XXXX shelter to TD Bank/Target Guest Services to inform them that I was following up on my credit card account because I had received notification that my account had 2 late payments on my credit report and that the balance was not mine. I informed them that I wanted to open an dispute for the late payments to dispute through their bank and have them remove them from my credit report, in addition to update the in appropriate balance on the credit card statement. 
I explained that this was because I was a victim of XXXX XXXXXXXX and I was living in a shelter with my children and I had no personal phone and no direct mail access. The address on file was my permanent address but my mother was not in communication with me for safety reasons and therefore I was unaware of due balance. 
The lady stated she would open a dispute but did not provide me with any details or case number for reference prior to phone call ending to verify the debt and allow me to dispute charges. 
This debt is not mine. My identity was stolen and credit was used while being attached to XXXX XXXX and in person charges as well. 
XX/XX/2023 : I received notification that the account was closed and placed in collections and that they felt debt was valid. 

There are XXXX late payments reporting with XXXX account # XXXX in XXXX and XX/XX/2023. 

There is also collections/charge off reporting in XX/XX/2023. 

I did not agree to give access the person who stole my identity to make these purchases.
Product: Credit card or prepaid card

I called US Bank customer service on XX/XX/19 to report a stolen credit card. 
My name is not the primary on the account, but I am an authorized user, and my name is on the card that was stolen. Apparently they did not disable my card, but they did not tell me that they didn't. I am logged into the account right now, and I can see that a charge went through on XX/XX/19. This is unbelievable. Any person who has a card issued to them who calls to report it stolen should be taken seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

My card has disappeared on or aroundXX/XX/2014. I called XXXX XXXX and reported I was not aware of charges. There were charges made out of town while I was in XXXX. My card was stolen and being charged. Now they sold my debt to the debt collector.
Product: Debt collection

XXXX HAS POSTED A COLLECTION ON MY CREDIT REPORT FOR {$4000.00} THAT DOES NOT BELONG TO ME ... I HAVE CONTACTED THEM SEVERAL TIMES ASKING TO REMOVE THIS FRAUDULENT COLLECTION FROM MY REPORT WITH NO LUCK.. AND INSTEAD OF VALIDATING THIS DEBT OR SENDING ME A COPY OF THE CONTRACT THAT MADE THEM THINK IT WAS MY COLLECTION THEY STARTED THEIR VERY AGGRESSIVE AND INSULTING COLLECTION CALLS TO MY CELL, WORK AND NOW RELATIVES ... THIS NEEDS TO STOP PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed as of XX/XX/2024 due to bankruptcy XXXX now 2 months later the account is reporting late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showing missed payments on student loan. Account was never paid late.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 disputed information, or delete the item 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I used to work for this company, they require absurdly high payment be made biweekly. I got sick and went on XXXX and have to request or be late on a few payments. The most was 12 days, I believe. This company doesnt repossess someone who communicates with them, nor is it legal to threaten repossession on a voicemail when the account is only 3 days late. 
Ive requested and offered numerous payment plans only to consistently be met with aggression and threats. 
They continue to threaten to repossess my car, saying theyve been so gracious when all I ever receive are nasty text messages and voicemails when the account is less than a week past due.
Product: Student loan

I called in XXXX after applying for the XXXX  plan to Mohela on XX/XX/XXXX. There is still no determination and had to put in XXXX forbearance which ends XX/XX/XXXX. It still says processing. I am told to just keep waiting. My loan was transferred to Mohela during COVID. 

I also made payments for XXXX mths during interest pause. XXXX XXXX XXXX  and the entire payment amount went to interest, not to principal.
Product: Checking or savings account

In early XXXX of this year, I downloaded their app and opened a savings account with XXXX XXXX XXXX XXXX On XX/XX/XXXX I funded the account with two transfers totalling {$51000.00} to the routing number ( XXXX ) and account number shown in the app, expecting the 5.25 % interest rate advertised at that time. When I received the attached statement, I discovered that there were actually two accounts, and my funds had been applied to a " Spending '' account instead of the " Savings '' account. The " Savings '' account number was different from the account number I had found in the app. The " Spending '' account accrued zero interest between XX/XX/XXXX and XX/XX/XXXX, when I discovered the problem and immediately transferred the funds to the " Savings '' account. I consider the fact that there are two accounts with no clear differentiation is very misleading, if not deceptive.
Product: Credit reporting or other personal consumer reports

The thing is, these accounts do not belong to me. I dispute these accounts. I have never seen them in my reports before
Product: Debt collection

Ive tried disputing this account reporting inaccurate information on my credit report, I would like proof of validation of this debt they claim I owe which is {$5100.00} and if the validation doesnt produce a signature with my name on it I would like this deleted from my credit report, because this is really hindering in my life and causing a lot of stress.