23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Yesterday I reached out to Edfinancial about receiving a refund for student loan payments made after XX/XX/2020, per the CARES act. They did work relatively efficiently to put the refund in process but quoted an extremely long timeframe for receiving the refund. They initially quoted 50-100 days, then within the same phone call quoted 60-120 days, and later quoted 150 days. This LONG time frame is an outlier among other loan service providers which I heard time frames of 30-60 days. They are also unable to provide confirmation of a refund being initiated even though the refund process has been in effect for quite some time. Its not a new system and not having a confirmation email sent about the refund being initiated is definitely another step away from transparency with the customer. 

Given Bidens new student loan forgiveness announcement made recently, we the students, would like to have a more open transparency about the refund process and when the loans are expected to hit our accounts so that we may attempt to qualify for the loan forgiveness, but as I mentioned, Edfinancial provided an outlier of an estimate among service providers. 150 days. I believe this to be the ultimate lack of transparency.
Product: Checking or savings account

EarnIn has been withdrawing money from my bank account without my authorization, and I was unable to remove my bank information or stop the withdrawals. On XX/XX/year>, EarnIn debited a total of {$620.00} from my XXXX XXXX checking account ending in XXXX through multiple transactions : {$72.00} {$73.00} {$95.00} {$100.00} {$130.00} {$140.00} I never approved these specific withdrawals. When I attempted to remove my bank account and stop the debits, EarnIns system did not allow it. I only discovered today, XX/XX/year>, that EarnIn  does not permit users to unlink their accounts without adding another bank, which I do not have. 

At first, I only requested a refund for the XX/XX/XXXX withdrawals because I was trying to resolve the issue directly. However, after reviewing my bank statements, I realized that EarnIn has trapped me in a continuous cycle of withdrawals throughout XXXX, making it impossible to unlink my account or stop payments. EarnIns own response confirmed that their system does not provide any option for users to stop withdrawals or remove their bank information without linking a new one. 

This forced me into continued borrowing just to afford basic expenses, which is a clear example of a predatory lending practice. Because EarnIns system denied me the ability to revoke authorization, I was left without a choice and repeatedly had my earnings taken. 

I am requesting : XXXX. A full refund of all EarnIn withdrawals in XXXX, as this was an unfair and predatory practice. 
XXXX. An investigation into EarnIns policy of forcing users to keep their bank accounts linked, preventing them from stopping payments.
Product: Credit card

I have a been a customer for Apply Card for years now, my father passed away and i was going threw a rough time. I always paid my card they can check my history and credit. they where asking for a minimum payment of XXXX and i did the right think like always and that is pay my full balance and that was XXXX. My credit limit is XXXX then i waited i made the payment on the XXXX of XXXX and they said your credit of XXXX should reflect on the XXXX. Today is the XXXX and i checked and my credit limit is XXXX they said that this is a measure they took. I called and explained to them and nothing they did not take into consideration my situation and that i needed the credit line. Imagine being over sees and you have just paid your credit card in full to suddenly discover they only gave you a credit line of XXXX when you where expecting XXXX. 

The company is Goldem Sachs FOR apple card services and i hope they resolve this. i told them i am willing to email you the death cirtificate of my Dad and i am not lying here.
Product: Debt collection

Had damage to my auto, and filed a claim with XXXX in which XXXX charged me XXXX deductibles {$500.00} each. Cancelled my auto policy with XXXX, and there was a {$19.00} cancellation fee assessed. Insured made payment arrangements with XXXX due to the fact that I needed my auto fixed where I had to pay {$1000.00}. Insured paid this account in full, and I do not know why Credit Collection Services ( CCS ) has sent me a notice for this payment. XXXX assumes CCS has placed this bogus collection notice on my credit reports and is demanding immediate deletion.
Product: Credit reporting or other personal consumer reports

transunion shows that my loan with XXXX is still open and it is closed, and it has passed the time for removal and needs to be removed from my report based on metro 2 laws and other consumer reporting laws
Product: Credit reporting or other personal consumer reports

Inquiries not authorized by me are negatively impacting my credit score. Correct this.
Product: Debt collection

I have paid off my debt from the company Paypal XXXX. On XX/XX/2022 I payed the amount that has been owed to Paypal. On their half, it says that the payment has been completed.
Product: Credit card or prepaid card

XXXX disputes two transaction on XX/XX/2023 ( claim number XXXX, amount {$1700.00} and claim number XXXX, amount {$2100.00} total {$3800.00} ) but no response, so I made a phone call XX/XX/XXXX, banker said they will refund 2 weeks later but they didn't
Product: Credit reporting, credit repair services, or other personal consumer reports

I ' am writing this due to non - compliance with ( XXXX, XXXX, XXXX ). They have failed to remove information that was affiliated with personal debts that were challenged in the past. I strongly that they are in violation of FCRA and are outright refusing to uphold the law.
Product: Debt collection

In XXXX of XXXX a citation was attempted to be served to XXXX XXXX XXXX, my mother, and again in XXXX XXXX - the citation is not signed but the officer showed it was served ( with only XXXX attempts instead of the required XXXX prior to leaving citation on the door - I am assuming because XXXX was unable to answer the door ). The law firm filing the lawsuit was XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, Texas XXXX. No further action was taken and in XXXX several attorneys working for the above law firm left that firm and set up an operation under Jenkins, Waggins and Young law firm also located in XXXX and a copy of their judgement is provided for address and contact information. Their phone number is XXXX XXXX XXXX and XXXX is " the '' person that talks to people there. There was no action taken on the original suite from XXXX XXXX up until around XXXX XXXX wherein the new law firm represented that they were authorized to file a judgement and that they were representing the law firm under the original citation ( XXXX, XXXX, XXXX and XXXX ) even though they were not according to that law firm and in addition, they filed without giving notice to the estate of XXXX XXXX XXXX whom had died almost 19 months prior to their action to file for judgement. I believe that the timeline for filing motions for any debts is within XXXX year of the time of death. There was no notification to the estate of the debt and there was no probate or administration for the estate as the value of the estate is none. The collection efforts are at best deceptive and unfair - there was - these folks were not the people who issued the suit originally and are attempting to collect on an old citation that the original debt collector says they no longer are working. The firm did not serve any additional citation or notification to the address or to the estate or even individual prior to the judgement action - so there was no opportunity to validate or defend the debt. And there are possible leches concern, statute of limitations on the suit. In addition, the address on the citation and judgement is incorrect, they filed that judgement action after the XXXX year timeline allowed for collection of the debt AND attempts to call and discuss the situation with them has not been received well. They refuse to discuss the situation with me but spend a great deal of time gathering data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX year old XXXXXXXX XXXX student who is a victim of scam. I am a XXXX XXXX and I discussed via phone a business transaction involving performance and or ownership rights to some of my XXXX that I was willing to sell. We agreed on a price and the transaction/deposit was completed. I informed him that I would wait for the monies to be received and get clearance from the bank to legitimize the check before I would give authorization to my XXXX. The check was immediately placed on a hold and I never had access to the funds and I had no knowledge of the check being counterfeit nor would I know what one would look like. I assumed that if there was an issue with the check, the bank would notify and or assist me, but nothing was said or done until it was too late. I acted on good faith, being young and naive, and suffered great consequences. A few days later I noticed that the check never posted to my account and was in fact charged back/returned to the sender and shortly after, my Bank of America account was locked. I called the bank to inform them what was taking place and I received no help or resolution regarding the matter by various representatives. My account was then closed and I have been treated as if I were not a customer, or victim in the matter. I was completely oblivious to what was ensuing and I would never partake in any fraudulent and distasteful acts such as this. I have not been treated fairly nor assisted in any helpful manner by Bank of America. This is my last resort option to try and remove this heinous crime affiliated act from my consumer/credit report accounts. I pray that this be of some help to me to resolve this matter so I can carry on with my life. Thank you.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies are highly injurious to my credit rating. 
. XXXX XXXX XXXX XXXX  XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
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.

15 U.S.C 1681 section 602A. 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. 

15 U.S.C 1681s-2 ( A ) ( a ) 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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681, section 602, states I have the right to privacy. 15 USC 1681 section 604a, section 2, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 card or prepaid card

My Direct Express Card issued through Comerica Bank expired on XX/XX/XXXX, and I did not receive my replacement. It was sent to my address from 3 years ago. So, I called to let Direct Express know on the following dates and no one answered : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I spoke with a representative, and this is after more than 15 calls to this company. The representative updated my address and said they had sent a new card. The representative stated it would take 10 days. I asked if I could access my disabled son 's benefits another way, and they said no. 
Fast forward to yesterday, my card did not arrive. I figured, okay, we had XXXX XXXX XXXX, I'll check tomorrow. Today, XX/XX/XXXX, I still have not received the card in the mail. I called and was on hold for 45 minutes til I spoke with representative " XXXX ''. He said they had issued a card on XX/XX/XXXX, and I said I haven't received it. He said they can expedite another one for XXXX, I said that is not okay. I would like the tracking from the previous card. He said that tomorrow I could get tracking for the card. That he would text it to me. 

I asked if someone could help me access my account online as I had forgotten my password, and or username. He said because you do not remember the password or username, and your current card expired, you will not be able to log in online. I asked if someone in IT could help me access the online account despite this and he said no. I am very frustrated. These benefits assist me in caring for my son who is only XXXX and has XXXX XXXX XXXX XXXX This company is taking advantage of people. It shouldnt take this long to receive a new card. I should also be able to log into the account online. AND, there should be a way that I can go IN PERSON and withdraw this money. Lastly, it took me over XXXX hours to even get to someone after several calls just to get a replacement card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom it may Concern : I have just received my credit report and noticed there are several inaccurate items on my report as follows : I request that you remove immediately the following fraudulent inquiries from my credit report : 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX, XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I never authorized any of those inquires and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them. 

I anticipate your response and an updated copy of my credit report. I have enclosed a copy of my drivers license, social security card, and past credit report showing my current address as proof of identity. 

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

Navient is reporting private student loans late by 120 days. The loan was approved for deferment/forbearance in XXXX. 

Navient is reporting XX/XX/XXXX : 60 days, XX/XX/XXXX 90 days XX/XX/XXXX 120 days LATE XXXX  does not have any late payments. XX/XX/XXXX account was current. 

Approval letter for Forbaearance sent XX/XX/XXXX, for forbearance period XX/XX/XXXX to XX/XX/XXXX Navient responding XXXX XXXX stating that there was previous delinquency but myself and XXXX  do not see where these previous delinquencies occurred or are. 

Navient is stating they will not correct my credit report. This gross misreporting has hurt my credit score tremendously even after paying off one of my private student loans.
Product: Credit reporting, credit repair services, 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 an account without my written instructions.

ACTION TAKEN - Sent Certified letters for past 3 years since XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, Contacted all 3 credit bureaus to file investigations to have removed. 
XXXX XXXX XXXX XXXX Past Due Amt : {$1500.00} - Orig Charge Off Amt : {$1700.00} Date Opened : XX/XX/XXXX ACTION TAKEN : Several attempts made to Remove debt due disability insurance on account. 

XXXX Business & Dates Requested : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Account Type : Individual Auto Account Status : Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Amt : {$11000.00} High Balance : {$20000.00} Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting two different collections on my account. I have proven that this is only one account and should be reported as such. It took two days for them to decide that this was two different accounts. The accounts even have the same name and the same amount due on each one. XXXX  actually investigated this issue and removed the entire account from my report so that I have no collection. I submitted the same evidence to them as I did Experian. When they investigated the first collection company, it took less than two days. How is a proper investigation supposed to be done in less than 2 days? XXXX  at least took a week and a half.. 
I am also wondering how a legally settled account can report 7 charge offs on the same account? 
There is also conflicting information on this report saying that my debt to income ratio is 8 % yet I have 100 % credit usage. Your suggestion to me is to open a new credit card account. Why are they suggesting a new credit card account if I am at 100 % credit usage? Also telling me that creditors look at me as risky yet they want me to open more accounts saying it would be better.
Product: Credit card or prepaid card

I filed a complaint with the Credit Card Company and I'm including all the communication ( XXXX XXXX XXXX XXXX ) between the Credit Card Company, the Merchant and me.

In summary, there were two issues : 1. The merchant offers different advice service for the trading / investment in the stock market. The promotion of this specific service I purchased is a fraud. After 45 minutes video and long promotion the claim ( XXXX XXXX XXXX XXXX XXXX ) is " 100 % accurate in picking only winners for year-long stretches ... ''. ONLY AFTER THE CREDIT CARD PAYMENT IS PROCESSED, I had access to the transactions performed during the last two years. The accumulated TOTAL for last two years is negative in both years. I requested to cancel the service with the merchant and with the credit card the very first day, since it is clear that the service was a fraud.

2. The other issue is that I paid for a year subscription of an advice service that claims to use software that find & follow the trades of successful well renown traders as " XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX " Then, 45 days after I subscribed, they decide to CANCEL the " XXXX XXXX XXXX '' with the " XXXX XXXX XXXX '' and just transfer to OTHER ADVICE SERVICE called the XXXX XXXX XXXX  ( XXXX ). They claimed the service was similar. 
In my book if I subscribed to a service for a year and THE MERCHANT decided to discontinue that service and the client DOES NOT WANT THE ALTERNATIVE PROVIDED, simply you must be entitled to a refund for the period the service will not be provided. 

In both cases, a misleading promotion and a cancellation, the merchant did not want to return the money because according to them they have a " non refund '' policy. This is the reason why the Credit Card is based on the reasoning of the merchant ( XXXX XXXX XXXX ). It is my opinion that " non refund '' policy that does not provide the service is a steal. A credit card company must protect their clients from this type of frauds, not allow them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX  XXXX, CA XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

Someone hacked into my Experian account and changed the password and phone number. I can not get into the account and the Experian customer support has sent me to deadend robo calls on four seperate occasions. The hacker was then able to unlock my credit
Product: Credit reporting or other personal consumer reports

Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$980.00} XXXX XXXXXXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00}