23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted a complaint about how edfinancial has continued to not correct payment errors they created on how they were taking out my loan payments which I previously filed a complaint on XX/XX/23. They still have not corrected this issue. 

Since then I have asked that they provide me my new monthly payment amount as I have a standard payment plan chosen for my type of loan repayment. 

Every month they are taking out a different amount for my payments which is very detrimental to my finances. I am supposed to have a total payment around {$530.00} but have not confirmed since they can not provide me a number as they have not fixed my previous issue. This past month they took out {$760.00} without letting me know why the issues of payment amounts changing keep happening. 

No one that I speak with on the phone when I call can assist me as only managers are able to handle my case now since I have called 12 times in the past XXXX years without my issue having been resolved yet. Every time I call I have to wait days until a manager can call me back. 

I do not know what to do since they can not provide me a number amount for my monthly payment and continue to change how much they withdraw from my account each month without notifying me which is required by law they do this. 

Please help me to get this company take ownership to correct this issue as its causing me and my family great financial harm.
Product: Vehicle loan or lease

Kia Finance, Paid in full by XXXX and gap insurance, XXXX released title to insurance company, didnt close account off and now charged off on all three bureas, contacted and told they can not help me as debt has been sold.
Product: Credit reporting or other personal consumer reports

I demanded that TransUnion investigate and correct several inaccuracies on my credit report, specifically related to late payments that were reported incorrectly. I pointed out that transactions should have been marked as " paid as agreed '' and never late, citing the relevant U.S. Code ( 15 USC 1681a ( 2 ) ( i ) ) that governs exclusions on transactions.

Additionally, I disputed debts reported by various collection agencies, including XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I invoked my rights under 15 USC 1692g, which requires debt collectors to validate alleged debts before continuing collection efforts. I demanded that these debt collectors provide original documentation, such as contracts or applications with my signature, or cease reporting these items. Failure to do so would result in the removal of these debts from my credit report. 

I also referenced the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, which obligates credit reporting agencies to investigate disputes and correct inaccuracies within 30 days. I stressed that failure to comply would be a violation of federal law, as outlined in prior cases such as XXXX XXXX XXXX XXXX  and XXXX XXXX Trans Union Corp. 

Finally, I informed TransUnion that I would escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) or pursuing legal action if the inaccuracies were not addressed promptly. I demanded a thorough investigation, a detailed description of the procedures used, and an updated copy of my credit report reflecting all corrections.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion previously deleted material into my credit report. 
I sent a letter to Experian notifying them of the reinsertion of THD/CBNA account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Debt collection

This is the last resource that I am taking to try to solve this issue. JP Morgan Chase Bank is reporting a late payment on my credit report from for XX/XX/XXXX on my Mortgage Chase account # XXXX XXXX, highest balance {$530000.00} I am requesting that JP Morgan Chase Bank Mortgage remove the late payment from my record. The reason : that late payment occurred due to a serious health condition of a family member. ( See Attached proof ) My dad was hospitalized on XX/XX/XXXX. The hospital decided to let him go home XX/XX/XXXX but unfortunately, he had to go back to the hospital on XX/XX/XXXX because his health condition got worse. I am the one on my dad 's XXXX. I was under severe taking care of him, and my dad 's XXXX  needed to be XXXX. This has been a very difficult situation and it has had a big psychological impact. 

One month later all this started, I found that I was late on the account. I immediately made the payment but by that time I was already marked late. I have a perfect record of on-time payments since XXXX, date when the account was opened, and this is an account of over {$500000.00}. By the time that all this happened, I had over {$50000.00} in the bank, which was more than enough to make the payment. The late was not because of a money issue or ever worse, because I did not want to pay. 

Again, this was a situation that I could not control. This is causing me health issues myself. This situation is overwhelming, its really stressful. Also, my dad feels guilty because of this. This is causing family issues as well. It was my priority to take care of my dad when all that happened. Again, I have never been late on my account. I believe I deserve to have this late payment removed. 

I hope to have a positive answer. As I mentioned before, this is my last resource. I already checked my credit reports and the account has not even been investigated or marked as disputed. Also, I did not receive any mailed notification when the payment was reported as late. These are three serious violations under the FCRA. I am willing to take this to the next step and let a court decide about my situation. 

Thanks to whomever reads my complaint. 

Please forward attached documents to Chase : - Letter faxed to Chase, which they ignored - Fax confirmation - XXXX Bank statement showing funds - Proof of hospitalization ( letter ) - Pictures of family member hospitalization
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be updated. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be updated immediately. 

XXXX XXXX XXXX XXXX* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX OF 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
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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect a fraudulent account on my credit report. I did a thorough investigation and I also filed a FTC report stating the activity I have observed. The account is listed below. I also noticed that my XXXX is not showing this same collection and I uploaded that screenshot as well. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 Balance - {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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 fact therefore exists. Account XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX I initiated a transfer from Bank America to XXXX XXXX in the name of XXXX XXXX XXXX. XXXX XXXX XXXX is a company set up with partners to buy additional apartments in a XXXX building that will be rented out for income. It is incorporated in XXXX. I mostly send wire transfers for various reason from XXXX XXXX and have never run into a problem. Any way I did this on line with the help of a Bank America associate on the phone to guide me. =They charge an additional XXXX for same day transfers which was fine. days go buy and my partner is wondering where the money is. I call Bank America and ask and they say it is under review. I called them they never called me. I tell them to cancel the wire transfer and I go into my branch take out a cashiers check for the XXXX and hand walk it to XXXX where it needed to be. Again I tell them to make sure the transfer is cancelled and they tell me it reflects that. 
several days later they put a hold on my account for the amount of the transfer even though I physically removed the money days before and I am still showing a negative balance of XXXX. I cant pay my bills and I have gone into my branch to complain and called several departments only for the to tell me that its still under review I explain over and over to please cancel it and take the hold off of my account as I don't need the transfer that they failed to do. They will not do so till the review is over that i don't need. 
I ask them when will you stop the hold and they say they have no answer and there is no one to talk to. when I asked them why it didn't go through they said that maybe because the name XXXX is in the company name. ( Again the name printed on the building 50 years ago. I tell them there is no affiliation or business with XXXX XXXX and all they need to do is to go online and see that-its a XXXX  corporation. There are laterally a thousand companies in the US that may have that in there name. At he time of this complaint they still will not take the hold off of my account. They will not provide me with a time or a way to pay my bills.
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 demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 5. Validate/inaccurate reported late payments. 
XXXX Account Number : XXXX Please update late payment, all payment was made on time 6. FDCPA Section 807 Violation Misleading False Reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
7. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.

9. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
10. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX XXXX Balance : {$66.00}
Product: Vehicle loan or lease

I was XXXX for 3 months, when I was XXXX I called chase and made arrangements with them to make at least one payment, which I did on XX/XX/2022, yet my vehicle was repossessed on XX/XX/2022. 

when I called for redemption of the vehicle, Chase asked for full payment of the remaining loan. {$15000.00}. 

I pleaded with them to make some payments to bring the payment up to date, but they refused, asking for the entire balance of {$15000.00}. 

I believe this to be unfair treatment, given that I had an impeccable record with them prior to XXXX XXXX, and I have shown a willingness to pay the debt also, the vehicle in question is my only livelihood
Product: Credit card

I purchased some appliances and applied for the XXXX XXXX Credit Card issued by Citibank , N.A . I had secured a {$7000.00} credit limit. I purchased the appliances on this card and have since paid it off in 2023 and have maintained my {$7000.00} credit limit. I received a notication thru a XXXX Credit Card I have in which they monitor my credit. It's called " XXXX XXXX ''. The notification states that my credit limit was reduced in half to {$3500.00}. With that reduction my credit score was negatively impacted. I called XXXX XXXX and spoke to an XXXX, XXXX XXXX. I wanted to know why my available credit limit was reduced in half. She advised it was a systematic reduction. I requested why this was done without notification to me. She couldn't answer that question. I requested to speak to her Supervisor. I was connected to XXXX XXXX. I asked the same questions I asked XXXX XXXX. XXXX XXXX replied it was a systematic reduction due to no activity. I asked why I wasn't notified before the reduction was implemented so I may have the option to make a purchase and maintain my available credit limit. When I requested my limit be returned to where it was, she said we can submit for an increase. I said no because that would be a hit on my credit score and furtehr reduce it. She furtehr advised there is no notification to the customer when a systematic reductions are made. They should not be allowed to take action against a customer that negatively impacts their credit without notifying the customer. Are there any other avenues I can take to have my credit restored to where it was before their actions? Legally, etc.?
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM of their inquiry issue! 
Customer Service would not help and take care of the negative inquiries reporting. Customer service was Extremely rude and vulgar. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

AidVantage XXXX : XXXX It has come to my attention that negative items are being reported on my credit to XXXX, XXXX, XXXX, and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account on my credit report that I was an authorized user on. I was removed me from this account over 60 days ago, but it is still reporting on Transunion report. XXXX and XXXX have removed them immediately, but Transunion has failed to do so.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries. The company did them without my consent, and I don't have any knowledge about them.
Product: Student loan

Inaccurate, and incomplete enrollment status ... ..wrongly determined repayment and interests of loans. Was enrolled and continued as student from time period of   XXXX   Spring. The loan amounts began prematurely to acrew interest and late fees ... they demanded payment. Called in many times. They demanded loan payment during  XXXX . Have multiple loans that this has occurred on and it has compounded my inability to repay and destroyed my credit history and life. Why?
Product: Debt collection

I was contacted by williams, rush &amp; associates today. Today was the first day I was informed of a debt from   XXXX   XXXX   XXXX   representative of   XXXX   XXXX  . I told them this was a mistake and I have been trying to contact  XXXX   XXXX  to fix the problem but they are not returning my phone calls. I told  Williams , Rush &amp; associates  that I would be willing to make payments until this mistake was resolved. They refused to accept anything I offered, and demanded I only pay by credit card and only allowed to pay half the amount. They are refusing to send me anything in writing, such as a bill or legitimate statement unless  I  payer  % 50  of what I owed on the phone today. This is the first I ever heard of this debt, including from  XXXX   XXXX . This debt collector is being very unresonable, and I would  imagine this can no t be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Equifax. On XX/XX/XXXX I tried to access the online information through the Equifax website. I was presented with security questions that did not apply to me. All of the questions asked about loans or debt I have no knowledge of. I answered " N/A '' to the questions. I was presented with a message that says I was blocked from viewing the information and had to call Equifax to confirm my identity. 

I called Equifax and a customer service representative named XXXX told me there was no way for me to access an online copy of the dispute. They told me my only option was to have the dispute mailed to me in 7-10 business days. 

I submitted my dispute to Equifax online, in. Equifax has the resources to make the information in my dispute available to me for my review. They refused to give me access to the dispute. 

In their privacy document they state : " We have built our reputation on our commitment to deliver reliable information to our customers ( both businesses and consumers ) '' This is a sham. Their service is not reliable. They couldn't even get me online access to a dispute I submitted to them yesterday even though their terms of service say everything must be available online. They push consumers around and beat around the bush when consumers need access to their information. 

In their terms of service they state : " Our Products are internet-based and in order to access Our Products You must have : an internet browser '' But I am not able to access their dispute center online to view my information and they refused to give me access to do this. 

In the FCRA page they state : " You have the right to know what is in your file. '' They denied me my right to have online access to a dispute about my file. They insisted that they mail me a copy of the dispute, but mail is not reliable. This is why I use the internet. A multibillion dollar corporation should be able to figure out how to give consumers online access to their information. Especially if their terms of service require an internet connection and explicitly state the information will be available online. 

On the dispute web page they say I will be able to see the " status of the dispute any time '' but I was not able to view the status and they refused to give me access to my account to view the status. 


The Equifax dispute ID is XXXX. 

FCRA page : https : //www.equifax.com/privacy/fcra/ Privacy Notice Page : https : //www.equifax.com/privacy/ https : //www.equifax.com/privacy/equifax-personal-products/ Dispute web page : https : //www.equifax.com/personal/disputes/
Product: Student loan

I was pressure to get enrolled into this college. This college promise me and my family a great future stated that I would be placed on a job replacement program as well as my credit would be transferable. after being lied to they then stated they I should enroll in my XXXX XXXX and that they would help me find work. Here is it four years later after obtaining my degree I still cant find a job in my field and they have sink me in debt with student loans and unnecessary charges to may account. Thiis school is very dishonest now I have four kids nowhere to get an real education so I can obtain an great career due to the fact that they have charged me over 49,000 .00 dollars in debt with student loans. 


I have filed a complaint to have the loans removed or discharged but its going on two years now and nothing.Dear Mr./Ms. XXXX : We have received your application for borrower defense. Your application number is XXXX. 

If you have chosen on your application to have your loans placed on forbearance or stop collection activity while your application is reviewed, you will be contacted by your loan servicer with further information. 

You will be notified once a decision has been made on your application. 

Visit StudentAid.gov/borrower-defense to learn more. If you have questions, you may respond to this email or call our borrower defense hotline : ( XXXX ) XXXX. Representatives are available Monday through Friday from XXXX XXXX. to XXXX XXXX. Eastern time.