23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for XXXX - I have worked as an educator for 9 years and made payments during the entire time. Mohela told me that on XXXX of the XXXX payments that were made applied towards XXXX. This is because I attended school during XXXX of the years. I did not take out additional loans or ask XXXX that my loans be placed in deferment during the periods I attended school. I made full on-time payments. I was told that because I filled out a fafsa, ( I was forced to when I enrolled in the schools I attended. ) XXXX automatically placed my loan in deferment. When I received notification that the loan was in deferment - I told them deferment wasn't necessary and that I was paying the loans regardless. They said they would not take them out of deferment because I was in school. I was also working full-time as a teacher at a qualified school during all the periods I was in school. My understanding was that my loans still collected interest while on deferment so there was no benefit to NOT paying. Additionally, mohela took another year because they stated that XXXX reported that I was late in making payments through all of 2017. XXXX shows that I consistently paid them within the same 3 days of the beginning of the month for all of XXXX. The report shows that I made the payments 6 days early for 12 months. I was told regardless of the early payment - the payments fell out of XXXX 's XXXX window and the entire year would not be counted. Additionally, every time I inquired about the possibility of XXXX with XXXX before XXXX, I was told none of my loans would be able to participate in the program and strongly discouraged from applying. 
The purpose of XXXX is loan forgiveness for educators and public service workers who paid on time while working full-time. I did that, even while in school. It is unfair and those time periods should be counted as qualifying payments to the program.
Product: Checking or savings account

CHIME locked my account and denied me access to my money because I had my phone and wallet stolen... I reported it to CHIME, and they required a STATE ID or DL to unlock.. in OKLAHOMA where I was living at the time, it can take up to 90 days to receive a new or replacement stat ID or DL... I paid for a replacement through the " TAG '' agency in XXXX & CHIME would not accept the Temp. paper DL I was issued... I sent pics of my old exp. CA DL, my birth certificate, my SS card, my XXXX health card, my pay stubs, my work badge, took selfies holding up dates etc ... CHIME did not care and would not accept anything other than a " hard copy '' of my ID or DL.. Im on XXXX and my payments were still going to the CHIME account.. I had no phone and could not change profiles, emails, addresses etc.. on anything... I lost my home and ended up homeless on the streets cold and hungry because CHIME was unreasonable with verifying who I was... XXXX member service rep would tell me to submit my birth certificate along with the temp ID and then the other wouldn't accept it... THIS WENT ON FOR OVER A MONTH... I am on XXXX for a mental issue and I attempted XXXX bc I was cold and hungry and nobody would help me, not even my job .... I had over XXXX in my account and CHIME nor SERVICE OKLAHOMA ( DMV ) would move an inch to help XXXX I ended up losing my job after 10 yrs ... my family started a XXXX campaign to raise money to get me back to CA because I don't know anyone in Oklahoma .... 
finally back in CA, I was able to get an ID at the XXXX in 7 days ... .I unlocked my account, but CHIME would not expedite a card for me to use ... I had to wait XXXX days to get it... I had to move money and use XXXX or XXXXXXXX XXXX and after 6 hours of being unlocked CHIME again locked my account .... then a week later, CHIME closed my account because of the " bad language '' I used with the reps from overseas ... .CHIME owes me close to XXXX and is making me wait 45 days to get a " closure check '' ... ... .several reps told me they were having the check " express mailed '' to me..... but now they will not give me any tracking info and I think they have stolen my money ... .. they caused me to almost kill myself over this .... in OK I was in the hospital behavioral unit 5 times and the police contact was constant because I had nothing and no one to help... .I was able use another homeless mans phone to log into XXXX and find a friend who then contacted my son .... I took a greyhound back to CA... with no job now I have no health coverage and my mental health is suffering without XXXX ... CHIME is a huge reason for this ... ... i hate them with every ounce of feeling I have! can you help me?
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, 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 deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I submitted a XXXX form on XX/XX/XXXX and an IDR on XXXX. As of XX/XX/XXXX, neither had been processed, so I called to inquire. Instead of processing my applications, the XXXX cancelled both documents which is NOT what I asked her to do. She listed my XXXX form as a duplicate which is 100 % untrue and cancelled my IDR which is NOT what should have happened. Im required to recertify my IDR for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 i sent a dispute letter to all three credit reporting agency, i haven't received response yet, on XX/XX/23 i sent my XXXX letter with no response, on XX/XX/23 i sent a 30 day comply letter with no response, on XX/XX/23 i contacted the CFPB and the company responded with no results, the inaccurate accounts is still reporting, on XX/XX/23 i sent my FTC REPORT as i am a victim of identity theft and none of the accounts and addresses belong to me, i have address this matter several times with no repsonse. This has been an ongoing issue with no resolution.
Product: Credit reporting or other personal consumer reports

PLease correct the inaccurate information reporting on my credit reports
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting

Equifax sent me a letter stating that almost everything was removed from my credit report except for XXXX item from XXXX XXXX XXXX, they claimed this was my account. Now I have been in touch with XXXX XXXX XXXX and they have told me that someone that I did not know was on that account and that they were investigating it. I would like the proof Equifax has received from XXXX XXXX XXXX since XXXX XXXX XXXX has not contacted me with their investigation results and another credit reporting agency blocked them from my report due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I was switching my direct deposit from a local bank to a national bank. My employer cut me a live check to deposit, but this check had 3 numbers missing from the end, which I was unaware of until 1 month ago. In 2019 when I deposited the check my new bank account with XXXX  XXXX XXXX was immediately closed due to fraud. Since XXXX of 2019 I have not been able to open a checking or savings account in my own name. I have submitted 3 separate disputes to early warning services and each time they determine that everything on my consumer report, including me being a fraud, is accurate.
Product: Debt collection

I feel very disappointed because of a debt that now has affected my property with a lien on it with a summons I never authorize. Who ever took the summons documents never notify me so that I can negotiate with Calvary Portfolio. I feel violated of my rights under the Fare Debt Collection Practices Act and need an immediate answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please remove the following inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX G XX/XX/XXXX. Please delete these inquiries ASAP.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly, they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have credit freeze with all 3 agencies for fraud protection. Experian is the only one that is a problem. Impossible to reset pin, no recourse to supervisor and had to pay {$20.00} to get a new pin. 

From XX/XX/XXXX-XX/XX/XXXX I spent over 5 hours trying to temporarily remove a credit freeze. I did not have the pin they sent. I called the phone number over 15 times and it was impossible to speak with a person. After the prompts and automated responses I was disconnected. I tried resetting my Pin via their websites, on my phone and via the app. I posted my problem on social media via XXXX and a XXXX - only received a response via XXXX with to call the same number and incorrect instructions to reach a human. Sent another message via XXXX so stating - and said I am an attorney and this process is illegal - no response. Called multiple times and reached a human who, after asking me to reveal multiple security answers said they couldn't reset my pin. Asked to speak with a supervisor and was placed on hold for so long I hung up. Called again multiple times to try to reset pin - entered and provided security answers and received automated response stating I could not reset my pin and would have to mail copy of govt issued ID, two copies of mail showing my current address and a host of other information and then wait 7-10 days for a  new pin. Called yet again, somehow reached a person and asked for a supervisor - waited for 5.minutes. After being told I had to pay {$20.00} to get my pin XXXX - more than the cost of the XXXX I pointed out - asked to speak with that person 's manager - HE REFUSED AND SAID THERE WAS NO ONE ABOVE HIM. He then demanded - notwithstanding answering every security question - a copy of my current driver 's license, which took 5 times to reenter info and upload it into their system - system booted me out for time delays. He refused to waive the fee. After 40 minutes on the phone paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Financial has been a horrible company to me for many years now and this time it has gotten worse. I had requested for a payment relief from Toyota financial and they advised to either send the documents via mail or electronically. So me and my father ( the co-signer ) decided to do it electronically and uploaded. I thought everything was fine but on XX/XX/XXXX I received a messaged saying it has not been received. I sent again soon after and A few days later Toyota reached out to me and said that the electronic signing is not acceptable. My father and I signed it again with a pen this time and sent it back to them. I never heard back from them so I assumed everything was fine. After a week or so I decided to call them and thats when they told me that I missed the deadline and the debt relief extension was not accepted so I have to send another one. So I did the process again and sent another document. A few weeks later I saw my credit score dropped XXXX points and when I looked at it it was because of a missing payments from Toyota Financial. I was shocked because Ive never missed a payment before. Since I got this car Ive never missed a payment. I never even missed a payment on anything. When I contacted Toyota about it they told me they cant change anything and their reporting is accurate. I had called prior to that and the agent said they would send the document and never did. They send a message on XX/XX/XXXX asking about the documents but I had already sent it before way before the due date on XX/XX/XXXX which was the main reason for the extension request. Also the document clearly stated to send by XX/XX/XXXX the latest for some reason the system didnt upload it. Why would I risk missing the deadline when Im asking for a debt relief, its obvious I needed help. Toyota financial website didnt upload the first document I sent and this isnt the first the companys website malfunctioned. I have screenshots of failed payment that didnt go through because the website and app malfunctioned. I need this resolved because Toyota has been the worst company I ever dealt with and Id hate to have to take legal action because this isnt the first and only issue I have with Toyota financial. To give you a example imma include my horrible experiences with them. This is an on going issue I have with them and I think they purposely doing things to me. I bought my car in XXXX after graduating college at a Toyota dealership. They had new college graduate deal and they insisted buyer must have a co-signer so my father was my co-signer. The Toyota dealership purposely left my name out of the car registration and tittle so basically Im not the owner unfortunately. For years Ive been fighting to get my name on the title and they never resolved the issue. This is one of the many horrible stories I have with Toyota. Now theyre trying to ruin my credit score. Sorry this long but Thank you so much for helping me deal with this horrible corporation.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX. XXXX XXXX XXXX XXXX {$460.00} XXXX. XXXX XXXX XXXX XXXX {$320.00} XXXX. XXXX XXXX XXXX XXXX {$440.00} XXXX. XXXX XXXX XXXX XXXX {$760.00} As you can see these accounts are all from a debt buyer that I have never heard of, done business with, or signed any conteact with.
Product: Checking or savings account

I have an internet banking account with Ally Bank. 
They are currently withholding XXXX  % in Federal withholding taxes on my income annually. 
I want them to withhold XXXX  % of my interest income but they say they will only withhold XXXX  %. I can't image that they are legally able to set this limit. 
I called the bank and asked them to increase my withholding but they said that's their limit. 
I was under the impression that I could have any percentage withheld since it is coming directly from the RMD ( Required Minimal Distribution ) that I would be receiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian regarding their inaccurate and unfair credit reporting practices. Requested disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and now Imunable to dispute. The account in question is XXXX and associate account # XXXXTheir reporting of my account contains errors and potential violations of federal laws designed to protect consumers and I believe it is a violation of FCRA, 15 U.S.C. 1681
Product: Debt collection

Many XXXX XXXX phone calls with 3 conversations with their representatives ( latest conversation was on XX/XX/XXXX ) explaining that the debt they are trying to collect is a result of identity theft and all required documentation was submitted to both the original creditor : XXXX XXXX XXXX and current creditor : XXXX , XXXX. The documentation included credit cards with XXXX XXXX that were in good standing with proof of address, FTC identification theft affidavit and City of XXXX incident report regarding identify theft were submitted on XX/XX/XXXX.Thereafter, no calls were received. However, since XX/XX/XXXX, started receiving phone calls. XXXX XXXX said the bought the outstanding loans from the XXXX , XXXX. Then, I received another letter dated XX/XX/XXXX from XXXX XXXX stating that XXXX , XXXX is willing to accept payment of {$190.00} within 30 days! This despite all documentation was provided disputing the charge.to everyone involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX : {$10000.00}, XXXX XXXXXXXX Balance : {$290.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX / XXXX credit card via XXXX XXXX XXXX and they sold my account to XXXX XXXX in XXXX 2017. XXXX XXXX, 2017 I sent payment to XXXX XXXX XXXX XXXX XXXX department to settle the account in full via check made out to them in exchange for the account to be considered settled and expunged from the credit bureaus. On XXXX XXXX, 2017 XXXX XXXX XXXX forwarded the check to XXXX XXXX and it was endorsed and cashed by XXXX XXXX. As part of the settlement agreement, the check had restrictive endorsement upon receiving payment the XXXX account should have been removed from my reports. Restrictive endorsements are legally binding contracts in the state of Texas where the check was cashed as well as the state of Georgia where I reside. On XX/XX/XXXX, I sent copies of the settled check to each of the credit bureaus ( XXXX, XXXX, and XXXX ) requesting the account be removed. On X/X/2017, upon reviewing my reports, I noticed that the account was still there. I called XXXX XXXX XXXX XXXX XXXX department and the customer service representative said she could not locate me in their system and to contact XXXX XXXX. I explained to the representative the situation and told her that XXXX XXXX is not reporting on my credit report but XXXX XXXX is and that the account should be removed. The representative informed me again to contact XXXX XXXX and contact the credit bureaus as well because there was nothing she could do as my account is no longer with them. I asked her to speak to a supervisor and she would not allow me to repeating that I 'm not in their system and that there is nothing they could do. I attempted to contact XXXX XXXX but could not get anyone on the phone. I then contacted each of the credit bureaus again to find out the status of the removal / dispute and they all reported that the account came back as " verified '' from the creditor. How would I be verified in a system that I 'm not in? The XXXX representative in particular told me that this was done through an automated system where they sent it to the creditor and the creditor reported back to them yes the account is accurately being reported. Again, how could they say that when according to XXXX XXXX I was not in their system? I do not believe proper verification was done by any of the credit bureaus.On XX/XX/XXXX, I was able to get in touch with XXXX XXXX at XXXX XXXX who said they did acknowledge the restrictive endorsement agreement and was forwarding the information over to their attorney who would get back with me on when this account would be updated and removed from my credit report. I followed up with her again on XX/XX/XXXX with no update except for that it was pending review. As of today I have not received a response from either XXXX XXXX or XXXX XXXX XXXX XXXX regarding this matter and it still remains on my credit reports.
Product: Credit reporting or other personal consumer reports

This account was paid off. The account is stating a charge off in which the company received their money to satisfy account. This is no longer a charge off account.