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

Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], XXXX, XXXX, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

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

Frankly an opinion formed by direct response from a lender- " Experian '' provided my FICA score. THEY- Experian outright lied to me if what I was advised is correct. Experian gave me a XXXX score. THEY said they do not set the score when bank stated they did. Very upset 6 months and still incorrect but a day after a negative it was immediately on the report. Opinion a scam to artificially keep score low to inflate interest charges for consumers.
Product: Credit reporting or other personal consumer reports

I have several inquiries done by someone trying to use my identity fraudulently. I did not submit these requests for my credit to be pulled. 

Please remove these unauthorized inquiries immediately.
Product: Debt collection

I have been receiving collection letters since mid XXXX XXXX from National Credit Audit Corporation XXXX XXXX XXXX XXXX TX XXXX XXXX Permit # XXXX about a debt that is too old. This debt was incurred in XXXX XXXX in XXXX, Florida ( original creditor XXXX XXXX XXXX XXXX ). I have sent a certified letter explaining that I am protected by Florida statutes since they failed to contact me within XXXX years of the XXXX payment XXXX XXXX XXXX XXXX. I am currently receiving the debt collection letters and phone calls. I have disputed the account to XXXX but the account is open with status details that the account is scheduled to continue on record until XXXX XXXX. The same account was reported to XXXX or XXXX under XXXX for the same amount. Please advise the steps I need to take to protect myself so they do not try to collect a debt in the future.
Product: Student loan

My name is XXXX XXXX my student loan debt goes back from 1996. It was {$20000.00} or less. Over years job struggle and career changes and economy up and down. The issue i been having is the repayment monthly payment are way too high and the interesting rate is way too high. The last time i applied was for debt reduction for government employee. It was denied. Now the Navient Company is ask me to consolidate my account to apply for the lower payment. This debt should be wipe out or all interest rates should be wipe out. I have {$2700.00} mortgage and kid headed to college and car notes and inflation with gas prices. Our president Biden wipe out certain student loans i ask for debt removal and never received any answer. Im XXXX yr old and carry this debt has been a ball chain. What I'm asking for is amnesty or debt forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C. Section 602A States I have the right to privacy.

15 U.S.C. 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 ) states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction which antedates the report by more than seven years.

15U.S.C. 1681s-2 ( a ) ( 1 ) states : 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: Vehicle loan or lease

Lincoln Automotive Financial Services, finances my current XXXX XXXX XXXX. Account XXXX XXXXXXXX. Begining XXXX XXXX, XXXX, on my account page appeared an offer to " Buy a New XXXXXXXX XXXX XXXX XXXX for {$770.00} per month for XXXX  months - XXXX estimated equity value of {$13000.00} '' ( I have a screen shot of the offer displayed ) I made several calls to Lincoln Financial Customer service departments resulting in Case XXXX  XXXX & being referred to the local dealership to complete the deal. Multiple communications with XXXX XXXX have failed in producing the deal. They have made several offers with different model XXXX  vehicles, and lease options, but say they can not make the deal offered on the site. The dealership states that Lincoln Financial is incorrect. 
I have not heard back from Lincoln Financial about my case & communication with the dealership stopped on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

During the XXXX pandemic although I am a nurse and was able to work through the pandemic, my husbands job was not deemed essential so he was not able to work for a short period of time and so our household was dependent on my income alone, and although we attempted to pay all of our existing bills. We unfortunately fell behind on the payments on our card.. we were late 1 month XX/XX/2020. We have since then made all payments on time and have paid off the balance and not missed a payment since XX/XX/2020.
Product: Debt collection

I was renting a house from XXXX XXXX XXXX. At the time of the lease renewal in XX/XX/XXXX I was XXXX months behind on my rent because I got laid off my job. The rent was {$1100.00} a month at that time. I received an eviction notice XX/XX/XXXX. So I moved out of the house the next week. XX/XX/XXXX I was contacted by Hunter Warfield collection agency informing me that I owed them {$10000.00}. After paying them {$6300.00} I stopped paying them and requested validation that I owed them by sending XXXX certified signature receipt letters. I sent the first letter on XX/XX/XXXX. I received the signature receipt for that letter XX/XX/XXXX. I sent the second letter on XX/XX/XXXX. I received the signature receipt on XX/XX/XXXX. To this day I have not received the requested validation or any other response at all.
Product: Bank account or service

On XX/XX/XXXX I deposited {$1000.00} into my checking account. I am a multiple times per day user of the Wells Fargo app, which I use to verify funds availability for my purchases. I made a string of purchases with my money, checking each time a transaction went through, and proceeded as normal. On the morning of XX/XX/XXXX I awoke to find XXXX NSF fees on my account. 

When I approached the teller at the XXXX branch on XXXX, I was met with a very rude woman who refused to help me in any way. She told me to call the XXXX number on the back of my debit card, which I did numerous to no avail. I then went to the branch on Vermont and spoke with a assistant branch manager who again was rude, but reversed XXXX of the fees, and stated he could do no more. He again directed me to the XXXX number. 

My account is now balance is now in the negative by {$550.00}. This is an absurd amount, as I WAS NEVER OVERDRAWN TO BEGIN WITH. Wells Fargo has used manipulation of how they post charges and deposits to my account in an effort to increase their bottom line. I refuse to put money into this account until they make it right and remove these fees ; consequently, they are once again trying to put through charges and now I am at a loss. They are destroying my life and they could care less. 

This is precisely the behavior that led us into a recession in 2007, and they are still at it today, as if nothing happened. Worse, they are discriminating against me due to the tyoe of account I have. They are criminals, and they need to be held responsible for their continued unscrupulous behavior.
Product: Payday loan, title loan, or personal loan

Had attempted to revoke the EFT withdrawal on my checking account based on the terms in loan agreement and was told the loan agreement no longer is accurate and that is not an option
Product: Credit reporting or other personal consumer reports

My issue is NOT with an item listed in my credit report. My issue is with Equifax itself who is reporting that my credit history average is 1 year 7 months. It is the only negative item on their report. I am XXXX XXXX XXXX and have had credit cards and car loans for 30 years. I called Customer Service who said there was nothing they could do. I asked to speak to a supervisor and was put on hold for an hour. After finally getting someone I explained my situation, she said " Thank You '' and hung up. The credit score from this company is XXXX points lower than the other two major companies and fluctuates dramatically ( XXXX ) points from one week to the next. This could potentially affect my ability to purchase a home or get a good rate on a car loan.
Product: Vehicle loan or lease

My vehicle XXXX XXXX XXXX XXXXXXXX miles started to have problems, took it to the dealership XX/XX/24. I asked the salesperson at XXXX XXXX XXXX XXXX XXXXXXXX find a solution for me and instead of trading my vehicle, the salesperson sold me a new vehicle. My old vehicle didn't get fix and I had to take the vehicle home with me that day. The vehicle was finally fixed on XX/XX/24 but now I have XXXX loans XXXX with a XXXX interest rate and the other one with a 11 % interest rate, and an extra vehicle I don't need. The salesperson XXXX XXXX never explained to us the sales process, he stated it was too long of a process and he told us to call the Financial company and tell them that I had lost my job and that I can no longer make the payments. I do now find out that he sold us the XXXX vehicle " XXXX is ''. There are added fees we didn't know about and this is the second time he tricked us in buying a car and never explained the sales process nor the paperwork we were signing. We are struggling financially and a lot of psychological and financial stress is occuring after this episode. We would like to find a resolution to this issue asap. We are XXXX  speaking customer and we need someone to contact us in XXXX.
Product: Student loan

Mohela has been utterly incompetent and has consistently failed to service my account and loans to my monetary detriment, including failing to process my IDR plan request, which was incorrectly denied by Mohela over XXXX  months ago and still has not been fixed because of multiple Mohela errors. Specifically, I timely applied on XX/XX/XXXXXXXX  for the new SAVE plan via the REPAYE selection on the IDR application. I correctly submitted all necessary information, and Mohela 's website showed that I was eligible for the SAVE plan and what my estimated monthly payment would be. Despite that, Mohela denied my SAVE IDR request on XX/XX/XXXXXXXX  and said the reason for the denial was because : " Based on your Adjusted Gross Income, family size and outstanding eligible federal student loan debt, you do not qualify for the repayment plan you requested. '' This was outright incorrect. I promptly called Mohela and requested they fix this. The Mohela representative said maybe they denied it because I did not submit complete information, which was purely his speculation even though my application was complete. I pointed out to him that his speculative reason was not the reason Mohela stated in the denial. He said he would resubmit an IDR SAVE request on my behalf and that it would be fixed. Months passed and nothing. Instead of being fixed, Mohela continued to make errors -- so many I can not briefly state them here. Over the course of the next few months until the present, I called Mohela a handful of times. Each time, they would tell me someone made a mistake and put an unresolved hold on my account and payment request. Each person told me my issue would be " elevated '' and fixed within XXXX business days. Then, after each call, weeks would pass and nothing. After last calling end of XX/XX/XXXXXXXX  ( over XXXX weeks ago ), I have concluded Mohela is utterly incapable of processing my payment plan request despite how patently easy it should be for them. They incorrectly denied it over XXXX months ago and thousands of dollars ( approximately {$3000.00} ) in interest has accrued on my account since then because I have not been able to make payments on a plan. They are costing me money and treating my issue like I just have to wait for them to get it together, which is unacceptable. I properly submitted my request XXXX  months ago and they should have correctly processed it back then. My remedy should not be waiting perpetually for them to correct their mistakes all the while I am financially hurt by their countless mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported my auto loan account late, past due, XXXX, XXXX & XX/XX/2022. According to 15 USC 6802 B, I was never given the option to opt out of my personal information being published.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$420.00} XXXX   XXXX {$6300.00} XXXX XXXX XXXX {$550.00} XXXX, XXXX {$600.00} XXXX   XXXX {$1000.00} XXXX  XXXX {$270.00} XXXX, XXXX {$66.00} XXXX, XXXX {$110.00} XXXX, XXXX {$94.00} XXXX, XXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$180.00} XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings : This is a " recurring problem '' complaint pertaining to Consumer Reporting Agency ( CRA ) " Experian ''. 
Previously, I forwarded my concerns regarding XXXX XXXX 's continued, repeated and ongoing Section 611 ( a ) ( 5 ) ( B ) reporting violations committed by XXXX XXXX replacing its unsupported, erroneous data entries to my consumer credit report with new, additional erroneous data entries. See Experian 's Report # XXXX for XX/XX/XXXX. 
In summary fashion, the underlying ongoing XXXX XXXX 's " false certification practice '' was well documented and those relevant materials were attached to that investigation request. 
Subsequently, Experian notified me that they completed their investigation. 
In response to Experian 's investigation completion " dispute results '' notice, on XX/XX/XXXX, I filed and forwarded my Section 611 ( a ) ( 5 ) ( A ) request. I did not receive any responsive materials from Experian. 
More than 30 days passed without response from Experian, so I filed and forwarded a second Section 611 request to Experian with the same prejudicial and unfair results as highlighted above. 
This complaint follows for the " recurring problems '' regarding Experian 's non-compliance with FCRA. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/XXXX  ; XXXX  XXXXXXXX    ; XXXX XXXXXXXX  ; XXXX XXXX XXXXXXXX  ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXXXXXX  ; XXXX XX/XX/XXXX  ; XXXXXXXX  ; XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek the appropriate redress for these violations.
Product: Debt collection

A payment of {$1000.00} was made on XX/XX/23 to XXXX XXXX in Puerto Rico to pay a credit card from Midland funding, XXXX XXXX credit card with reference number XXXX. The debt still showing in all 3 credit reports and the balance just went up. The company I made the payment is XXXX XXXX XXXX XXXX XXXX XXXX XXXX with phone number XXXX. 

They provided a confirmation number when the payment was processed Approval Code : XXXX. 
If is not too much trouble I would like this collection to be removed from all credit agencies, XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX - XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX XXXXate of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX - XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX  on serveral occasions telling them im a victim of indentity theft & my Info was used fraudulently to opened an XXXX XXXX account and its showing a remark of bankruptcy which I have never filed.
Product: Credit card

On XX/XX/year> I received the following email from Chase XXXX XXXX regarding my card ending in XXXX : " From : Chase XXXX Subject : We're processing your replacement card request. 
Date : XX/XX/year> at XXXX XXXX To : XXXX Chase Logo Dear XXXX XXXX XXXX We received your request to replace your Chase credit card ending in XXXX on XX/XX/year>. 

Here 's what you can expect next : A replacement card will come in a plain envelope within the next few days. 
You can verify that you received your new card by visiting our site or by calling the number on the back of your card. 
You can use your existing card until your new one arrives. Please destroy your old card once you've got your new one. 
Your new card may have a different expiration date and CVV number ( the number on the back of the card ). 
Your mobile payments won't be affected. You can continue spending even as you wait for your card to arrive. 

If you didn't make this request : Call us right away at the number on the back of your card. If you don't have a card with you, visit our customer service page to find the best phone number to contact us. 

Thank you for choosing Chase. 

Chase logo Dont have the Chase Mobile app? 
App XXXX XXXX XXXX play button The Chase Mobile app is available for select mobile devices. 

XXXX XXXX and the XXXX XXXX logo are trademarks of XXXX XXXX. 

Chase, Chase XXXX, and the Chase XXXX are trademarks of JPMorgan Chase Bank , N.A . 

XXXX and the XXXX logo are trademarks of XXXX XXXX, registered in the XXXX and other countries. XXXX XXXX is a service mark of XXXX XXXX. 


ABOUT THIS MESSAGE This service email gives you updates and information about your Chase relationship. 

To protect your personal information, please don't reply to this email. Instead, use the mobile app or sign in to chase.com to send a message from your XXXX XXXX XXXX. 

If you have concerns about the authenticity of this message, please visit chase.com/CustomerService for options on how to contact us. 

Your privacy is important to us. See our online XXXX XXXX to learn how to protect your information. 

JPMorgan Chase & Co. '' I immediately called the XXXX XXXX number on the back of your card on the same day because I did not make this request. 

XXXX XXXX took my call. I asked XXXX XXXX for his ID and he replied, " We do not disclose our ID numbers. '' I told XXXX XXXX that I did not request to replace my Chase credit card ending in XXXX on XX/XX/year>. 

I then asked XXXX XXXX how did JP Morgan Chase receive this request them claim was from me? XXXX XXXX did not know and asked me to hold while he further investigates. 

XXXX XXXX returned to the call as said the card got replaced automatically. No one requested it to be replaced. 

Today, XX/XX/year> I receive the new card but it's the exact same card - same number, expiration date and security code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I n  XX/XX/XXXX  &  XX/XX/XXXX  I  worked for  XXXX   XXXX  in  XXXX , NC. My job was having financial issues and twice my check bounced. Each time I submitted a letter from my employer as well as the money to cover the charges incurred. Bank of America reported me to   XXXX   XXXX   for bounced checks and fraud. I believed the did removed the fraud but not the bounced checks as to my understanding the check would 've needed to be from me to me to be on my credit or from me to others. I have tried to get this settled for years with the run around. Telling me to have a manager open a new account and clear me. To them telling me that it can not come off until someone hired off takes me off but they can clearly see all the documentation but are holding it against me.