23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX XXXX XXXX my student loans were with XXXX when I requested a refund of the voluntary payments I made during the pandemic freeze. This refund amounts to roughly {$8000.00}. 

In XXXX of XXXX, I received the first {$2100.00} through XXXX but then my loans were transferred to Mohela. Where my refund has been stalled. Mohela said they couldn't see the refund request and that I needed to resubmit it, which I did. This was frustrating since I could see the full amount of {$8000.00} already back on my student loan balance. 

In XXXX of XXXX, I called Mohela for an update on my refund where they had trouble locating my refund request. After over an hour on the phone and multiple transfers, they located my refund request and said it would take 90 days to process and that it's under investigation. 

In XXXX of XXXX, I called Mohela back which is after the 90 day wait, and I spoke with a supervisor who said she only sees a refund of {$5800.00} in the system and isn't sure if this amount is in addition to the refund I already received ( {$2100.00} ) or is the total, which would mean now they don't see the refund amount of {$8000.00} that I requested. So I asked for a payment history which they responded would take XXXX days to just receive that information. They also said they are expediting my refund request which would take another XXXX days. 

I have called Mohela dozens of times over the last 6 months and every time I ask for an update on my refund, they keep pushing back the request by XXXX days. This is unacceptable since the {$8000.00} I requested back is already showing back on my student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with " The Fair Credit Reporting Act Convergent '', Equifax Mortgage XXXX on XX/XX/2022, XX/XX/2022, & XX/XX/2022, has violated my rights by way hard inquiry on my credit report. 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.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I called my bank to place a stop payment more than 2 weeks in advance. The payment went through and now my bank account is - {$360.00}, until I get paid again, which is XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a couple months into trying to finalize buying my first home. The mortgage company wants to know about the charge off student loan for {$11000.00}. So we do a Credit plus conference call on XX/XX/XXXX with XXXX, they state they have the loan in there office but now we are sending it to XXXX XXXX XXXX for XXXX. They give me the info and I call the firm the following week and they don't have anything still to date XX/XX/XXXX. We do another conference call on XX/XX/XXXX with XXXX XXXX XXXX and they state the account balance is XXXX and it had been turned over to XXXX XXXX for {$20000.00} in XX/XX/XXXX. I demanded full loan Documentation and I got a credit application with my signature on it. I asked for other documents and got nothing. I know this loan has been transferred numerous times to various companies. I had been getting threatening phone calls and harassment months before I filed a Ch XXXX in XX/XX/XXXX when it showed up on my report as a charge off. I'm under the assumption that this debt has already been claimed on someone's taxes as it showed up as charge off on my credit report. Possibly Double dipping?
Product: Credit card

In XX/XX/scrub> 2024 I did a {$10000.00} balance transfer at 0 % interest with a 5 % transfer fee to consolidate some higher-interest debt on my Sapphire Credit card with Chase. I did not want to carry interest bearing debt on this card so I consistently paid on the balance that exceeded my balance transfer as I had done with other banks where I had done a balance transfer while using the card for purchases. 

I encountered my first issue with an unplanned refund for {$2700.00} when the company I was buying a storage container cancelled my order without notice and refunded my order.I had just paid the balance down to just above my balance transfer amount when the company refunded my money. Chase applied the refund to the balance transfer balance. I spoke with them and they refunded one month of interest and we called it even.

However, over the following months, I made a large number of purchases and made weekly payments to avoid having to pay a large amount at the end of the billing cycle and avoid paying interest. 

When I looked at my XXXX statement, it showed I had a {$0.00} balance on my balance transfer and when I called Chase, I was told I should only have made a single payment each month to ensure that any additional payment beyond my minimum payment was applied to my highest interest-bearing debt per the CARD Act. Since I did not do that, those additional payments I made each week were applied as Chase saw fit even though I had a daily balance exceeding my remaining balance transfer amount. 

I feel this is a violation of the CARD Act as it should not matter how I make my payments. As long as my payments did not take me below the amount of the remaining balance transfer, those payments should have been applied to my higher-interest purchases and not toward my 0 % balance transfer. 
XXXX Statement Balance Transfer = {$10000.00} XXXX Statement Balance Transfer = {$6000.00} XXXX Statement Balance Transfer = {$0.00} XXXX Statement Balance Transfer = {$2000.00} XXXX Statement Balance Transfer = {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the Consumer credit Transaction initiated on XX/XX/2020 and XX/XX/2020 with your financial institution executed by way of signing an Agreement ( " Document '' ).

As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing.

In the above-mentioned Consumer Credit transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie Transunion, XXXX & XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information 01 Provided by a consumer to a financial institution 2-Resulting from any transaction with the consumer or any service performed for the consumer ; or 3 Otherwise obtained by the financial institution.

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named Transunion, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 

In case your Company admits that the organization named Transunion, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA. 

PuUnder5 USC 1681a ( D ) ( 2 ) ( A ) ( iii ), the Consumer Report will not include any formation communicated among persons related by common ownership or affiliated by corporate control.

Further, 15, USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.

I hereby request you to remove the below-mentioned information from my Consumer Report ; XXXX XXXX and XXXX XXXX XXXX If you accept my request, I will not escalate this matter to a federal complaint. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX continues to not do as promised by written letter and phone conversation. Ive asked for the recording of our phone call and my account access but they cant come up with actual documents. They never charged off the vehicle as I paid it off. This is while I was in the hospital during XXXX. They hired another company to come in and scam people out of cars and money. These words came from the man who came and took my car and even said it wasnt right. They continue the affect my well being and life by being crooked. XXXX removed it but equifax and XXXX have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I place a credit freeze with the three credit bureaus and just did a release of credit only with Experian Credit I noticed that there are credit inquires that supposed be soft inquires that are reporting instead they are reporting hard and with they still place a hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report XXXX has violated my rights In accordance with the fair credit report FACTUAL DATA has violated my rights In accordance with the fair credit report XXXX XXXX XXXX  has violated my rights In accordance with the fair credit report EQUIFAX MORTGAGE SER has violated my rights 15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX Verify the debt including but not limited to name, ssn, address, phone number, original contract and signature from the borrower. 
This is not a request, this is a demand to remove my consumer report inaccuracy after 7 years staying on the report. This account must be REMOVED IMMEDIATELY or i will pursue my legal option toward EXPERIAN.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Mortgage

I was in the process of refinancing my home past autumn. Told my they would need $XXXX for my home to be appraised. On XX/XX/17 they took $XXXX out of my credit card. Then I was told there could be no peeling paint on my house and to fix my house for the appraiser. To paint in XXXX. in Colorado in not an option. I changed my mind and backed out of the loan. I wanted my $XXXX  back as they assured me I could do. Have not been able to get my money back. Have not been able to even get a phone call back. I have called many times. No calls back.
Product: Credit reporting or other personal consumer reports

Two years ago, during a visit with my mother to XXXX in XXXX, an unfortunate incident occurred wherein my phone was stolen, subsequently leading to unauthorized charges on my accounts. Despite my diligent efforts to rectify the situation, including contacting customer service and purchasing a new phone, I have encountered ongoing challenges. 

Compounding these difficulties, I have faced identity theft multiple times, necessitating the adoption of my nickname, XXXX, and undergoing a marital transition from which my last name changed from XXXX to my original name, XXXX XXXX. Throughout these tribulations, I have strived to maintain my integrity and financial responsibility. 

In pursuit of rebuilding and fortifying my financial standing, I sought to leverage opportunities such as financing an XXXX through Apple 's credit card. Entrusting in the assurances of support and reliability from Apple, I embarked on this endeavor with optimism and commitment. 

Regrettably, my experiences with Apple 's customer service have left me disheartened and disillusioned. Despite my respectful and earnest communication, I have not received the level of assistance and consideration I expected. Instead, I have invested countless hours attempting to resolve issues and seeking guidance on maximizing the benefits of my card, only to find myself met with frustration and disappointment. 

The sudden closure of my account and the resultant impact on my credit score feels unjust and punitive. As a conscientious and loyal customer, I had anticipated fair treatment and resolution of the promised refunds. Instead, I find myself in a state of financial insecurity and emotional distress. 

I implore Apple to honor their commitments, restore my peace of mind, and rectify the injustices I have endured. As a hardworking individual striving to navigate life 's challenges, I deserve to be treated with dignity and respect by my financial institution. It is my sincere hope that Apple will acknowledge and address these grievances promptly, restoring my faith in their integrity and commitment to customer care.
Product: Credit reporting

Equifax XXXX XXXX, GA XXXX Or XXXX XXXX XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX SS XXXX DOB XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : [ XXXX CR ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX ]. 
As required by FACTA and in support of my request, I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. I may be reached by telephone at [ XXXX ] Sincerely, XXXX SS XXXX DOB XX/XX/XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX account XXXX  XXXX XXXX Accordance with The Fair credit reporting Act Public law 91-506 Title VI Section 611, Subsection A-D Please provide the names and business addresses of each individual with whom you verified the above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three Credit Bureau ' advising them that Chapter XXXX bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate and all my accounts were closing. I was victim of identity theft or mixed file from a bankruptcy in XXXX, Al with someone with a similar name and last four SSN. I contacted the Bankruptcy Court in XXXX District of Alabama, they could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Someone else 's bankruptcy is destroying my credit standing.
Product: Credit reporting or other personal consumer reports

I identified multiple inaccuracies on my Experian credit report that have harmed my creditworthiness, affecting my ability to secure credit, employment, and housing. Despite submitting disputes, Experian failed to conduct a proper investigation and allowed erroneous information to remain. As a victim of the XXXX and XXXX data breaches, my personal information has already been compromised, heightening my concerns about identity misuse. Furthermore, I believe Experian is engaging in unlawful practices similar to those highlighted in the CFPBs recent lawsuit against Experian for sham investigations, in violation of 15 U.S. Code 1691b.
Product: Checking or savings account

WellsFargo checking account. I fraud committed and some an account and credit card due to they broke in my car and stole all my information social security card and a wells fargo card that had not been activated yet. I reported it to wells fargo several times but it seems we could never resolve the issue after. I filed a police report on the break in and what happen
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the 3 credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXX and Associates, XXXX XXXX, Portfolio Recovery, XXXX XXXX. I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and Ill attach the supporting documents Please remove this fraudulent account. 


Account Balance {$2000.00} Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX.
Product: Credit card

In XX/XX/XXXX when I attempted to make my credit card payment on their website, there was an error and their site was not available. I called XXXX XXXX  to make a payment over the phone and was told that there would be a fee for that service that I did not want to pay since it is fee on the website. Upon complaining about the site being down, I was offered a refund of a late fee for the inconvenience and was told that it would take a billing cycle to appear on my bill. Their late fee is {$30.00}. A little it later that day I was able to gain access to the website and made a CC payment, paying it off in full. I didn't receive another bill until XX/XX/XXXX and that bill reflected a larger balance due. I called XXXX XXXX to inquire about the charges as I paid the account off in full. I was told that I was only given a {$15.00} refund of the late fee and because that wasn't paid ( I had not received a bill for it ) an additional {$30.00} late fee was applied as well as the original {$15.00} refund was reversed PLUS interest making my new balance ( on a paid off card ) {$63.00}. I was told the phone call would be reviewed and a supervisor would call me back with the finding. Now the collection department is calling me, even though the payment isn't due until XX/XX/XXXX ( according to my bill ). I called them today XX/XX/XXXX to again inquire about the status of the account review, got passed around to multiple " supervisors '' and was told that on the XXXX phone call, I was told that the refund would only be {$15.00} and since it wasn't paid the additional late fee was applied to the account. I asked to if I could review the phone call from XXXX and was refused. I was told that I could file a dispute and that I would have to MAIL it to them. They have no electronic way of accepting that. There has been no resolution, they didn't even offer to apply the original credit that was ultimately reversed. I was told that my only option is to pay the balance due, which is now {$66.00} because of interest. Since this is the way they want to conduct business, I cancelled my credit card with their institution. I would like my account to reflect XXXX due as I paid it off in XXXX and the current balance is due to assessment of late fees that I don't feel should be applied.
Product: Credit card or prepaid card

This Acc # is close also paid off I call them to fix it they said I would have the credit bureau