23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Method of Verification Request To Whom It May Concern : I was NEVER LATE ON THESE ACCOUNTS XXXX  XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account was late. 

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represent a very serious reporting error. I expect a to receive RESPONSE IN 15 DAYS of receipt of this letter in compliance with the FCRA. If not, I expect these late payments to be corrected in my credit files. 

Please make sure to provide Method of Verification and process used with documentation.
Product: Prepaid card

I received several Amex gift cards for the holidays. These cards are always declined when trying to make a purchase. I have not been able to find a vendor who will actually take the cards. Now, I am sitting on money, I can not use. Also, when I go on Amex site, it constantly says to try again later, as there is something wrong on their end.
Product: Checking or savings account

My Social security card number is XXXX. In 2023 A check for about {$XXXX} from the government bounced. Now chase bank XXXX XXXX is holding me accountable for the bounced check in addition I lost a direct deposit from the department of social security that was eaten up by the checking account negative reflections on the account. All I want is the Chase Bank to write off the Bounced Check that I received from the department of Treasury. Chase Bank would not even give me back my lost social security check for {$XXXX}. It was the governments fault for sending me the check not my fault the Bank is having trouble. All I want is the XXXX deposit to be in the Chase Account the bounced check the government wrote but couldn't cash to be written off.claim that check as a government issue and Chase Bank needs to deal with the government. Also I want my account to go back into good standings. So I can use the account for my social security payment.
Product: Student loan

I submitted a request on studentaid.gov to switch from SAVE to IBR. Studentaid.gov website indicates information about SAVE litigation but also that services will process borrowers applications to enroll in IBR. IBR was created by Congress and not subject of SAVE litigation, even with a broad interpretation of scope.

Mohela has confirmed receipt of my application to switch plans submitted on XX/XX/XXXX. However, after spending a significant amount of time making numerous contacts with Mohela in writing and by phone, including a call back a few days later with a supervisor after originally being told I couldnt elevate the issue and speak with a supervisor when it was clear customer service agents have no idea what they are doing. 
Mohela has repeatedly told me that they refuse to put my application in a processing forebearance and to move forward with processing my student loan payment calculation under IBR so I can resume making payments.

I was erroneously and maliciously told my only option was to make payments that were for the entire amount without any IDR programs and that it would not count towards PSLF. I am over 8 years in qualified public service for a nonprofit.

I asked the supervisor for the specific legal guidance mohela is relying on in not putting my application in processing forebearance nor processing my application. What I received was general SAVE information that was not applicable to my situation. I responded back in writing stating such and have not heard back. And stating ongoing personal financial harm.

I also have not had any response from numerous complaints and requests for reconsideration.

Instead I received a enteral letter sent to confuse consumers into making payments on interest to line the pockets of mohela when interest accrual shall be paused during the save standstill.

If services need time to process a borrowers IDR/IBR application , services will move the borrower into a processing forebearance for up to 60 days and the time in this processing forebearance is eligible for PSLF and IDR forgiveness.

Mohela has had my application and done nothing. My account reflects SAVE and administrative forebearance until XX/XX/XXXX.
Product: Checking or savings account

2 months ago I had my card stolen and reported it, and when XXXX tried to activate a virtual card for my digi wallet he froze my acount for 3 days, 3 days I did not eat, so i told them to close mky acount, didnt happen, ..Last week I called wells fargo, XX/XX/2023 XXXX told them to close my account as soon as the balance was XXXX to not honor auto pays because im tired of all the XXXX dollar over drafts that they strategicly slip in there, they have not done so, just got another overdraft, please help,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Last 4 of account number, can not located actual account number ) 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received paperwork from your company in regards to the disputed accounts on my credit file. I have yet to receive any type of corresponding proof that you performed an investigation of any type. I have contacted the creditors directly and provided you with the documentation, yet your company XXXX continues to intentionally harm and damage my credit. I have written you on ( 6 ) six different occasions regarding the so called verified/accurate accounts. According to the FCRA section 611 ( 15 USC 1681 ) you have 30 days to comply with my request and 15 additional days if needed which you have not. My ID and SS card were scanned in legible and clear you are in violation of the rules and regulations, therefore you must remove the accounts listed below for failure to investigate and or validate under section 623. Also, I have a host of non-account bearing and unauthorized inquirys showing as well and would also like to have them deleted. I am sure after review from your legal counsel you will adhere to the rules and regulations of the FCRA, less you are prepared to pay the steep fines which you have amassed ( 6 ) different request for failure to comply. 
I reviewed a new credit report dated XX/XX/XXXX and noticed that I have accounts that are inaccurate and in violation of the FCRA. Attached is a copy of the accounts and the listed violations for each. Note : these accounts were deleted from Experian and XXXX last year and I am sure you received the information because you guys share it. Either provide the proof in the form of signed contracts, identifying documents, DL & SS card or any legal documents you received from the creditor which would validate your investigation or you must delete these invalidated and inaccurate accounts immediately. 
1. XXXX XXXX  ACCT # XXXXXXX for {$400.00} Furthermore, I have explained to you that I was a victim of identity theft. I have never had XXXX as a financial institution. Clearly you can see that but you insist on violating the FCRA and a blatantly attempting to do malicious harm to my credit. 

2. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$XXXX}. 
Violation : activity on a closed account, inaccurate payment history, See XXXX print out. 
3. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$XXXX}. 
Violation : activity on a closed account, inaccurate payment history, See XXXX print out. 
4. XXXX XXXX XXXX XXXX  ACCT # XXXXXXX opened XX/XX/XXXX for {$XXXX} Violation : activity on a closed account, inaccurate payment history, See XXXX print out.
Product: Vehicle loan or lease

I traded in my XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. They sent the pay off of {$17000.00} to Kia Motor Finance which was applied to my account on XX/XX/XXXX. This payment actually over paid my loan balance which at the time was {$16000.00}. Kia Motor Finance now is holding over {$400.00} of my money as an over payment, and I have yet to receive it back from them. I have contacted Kia literally every day at different times of the day by phone, which I have not been able to reach anyone. Their phone system says no one is available and hangs up on you. I have also sent them messages through their " contact us '' email portal on their website and they have not responded to those email messaged as well. 
I reached out to Kia via XXXX, by posting on their XXXX  page and sending them a message to receive a message back from them saying that they can't help me and to CALL Kia.
Product: Credit reporting or other personal consumer reports

Requested update to credit reports to reflect current closed and XXXX balance status of account has not been made. Mohela, to date, has only updated XXXX with accurate information. XXXX and XXXX continue to erroneously report the account as open with a current balance.
Product: Mortgage

I had Bank of America, from XX/XX/XXXX to XX/XX/XXXX, i fell behind on payments, because loss of job, I was in contact with the bank, trying everything for negotiations, I called daily for help with no relief, I did have knowledge of Banks getting help with $ , I still am in not understanding that I had so much hope, when I called them it was yes we will help you, begging them, right in the middle of paperwork, giving me 3 month trial, I got a notice of pre foreclosure, witch I called the bank, they told me to ignore they were still trying to modify my loan, With in 30 days I had a foreclosed paper on my window, that same day I got letter saying sorry I did not qualify, I got on the phone n trying to speak to someone at the bank, my account number was not in service, this was all XXXX I believed in them, I was devasted in the whole mess, I wish I would not have lost my job, they gave me a loan that they knew I could not qualify, it was a predatory loan, I lost Respectfully, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing this address off my credit report but it still remains the on my history. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Address Identification Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$830.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX, Balance : {$1100.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$160.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

I received two e mails in the Wells Fargo message portal that the bank was ending our banking relationship because I posed a risk. The letter stated no further deposits would occur and no further transfers would occur but that I would instead in its place receive various cashiers check. I have yet to receive a cashiers check, I have yet to receive even an e mail or phone call stating that a provisional credit will be applied as we investigate the facts of the matter.
Product: Debt collection

Portfolio recovery associates LLC CASE # XXXX. XXXX kindly asking they remove all negative items from credit. I sent in complaint about them but then I looked up to see if they were licensed in NEW JERSEY and I didnt see their name listed. So Id like them to verify all license and bonds for debt collection also. But the fact that there is extra fees on front page and not on contract agreement is enough for deletion. Im looking to resolve this out of court because I will have to go after damages at this point. Time and damage to credit with fraudulent evidence please respond. Thanks and hope to resolve soon
Product: Credit card or prepaid card

On XX/XX/17 my credit limit on my First Bankcard Visa was decreased by half ( from ~11k-5k  ). This was done without my knowledge and despite the fact that I have never missed a payment and haven't charged anything to the card since I opened it with a balance transfer. The decrease in credit limit led to me using 95 % of the available limit and drop in my credit score of FORTY FOUR points. When I called the company to ask for my limit to be increased they said they could not do so for four billing cycles. So as a result I must continue to deal with a significant drop in my credit despite the fact that I have not missed any payments or charged any substantial amount since first opening the card. After a brief XXXX search it is clear that this company, a division of First National Bank of Omaha, is not a friend of its customers. HIGHLY advise going with another, more reputable, company.
Product: Student loan

Edfinancial is servicing my student loans, however they currently do not have record of my loans due to the borrower defense case still in pending status. Because they do not recognize I have loans, I have no way of making payments. However, Federal Student Aid is showing my loans accruing interest. This is grossly illegal.
Product: Student loan

I am enrolled in the SAVE program. I understand due to the ongoing court cases, individuals enrolled in SAVE have been put into forbearance. I have tried to log into my account so I can make payments and avoid interest accruing, but the system will not let me log in. Wait times on the phone are over an hour, and when I requested help via email, I received information back, but the information did not address my specific issue. I have now started accruing interest that I tried to avoid and I have one more year left before I should qualify for the public service loan forgiveness program. I just want to maintain my good standing and be able to make payments.
Product: Payday loan, title loan, personal loan, or advance loan

Please be advised that the credit denial on or before XX/XX/year>, in the amount of {$2900.00} is a Breach of Trust Property, the Trust Agreement Act, and the Equal Credit Opportunity Act. Title XXXX subsection XXXX governs my ability to charge any person who falsely and illegally denies me my own credit. 
As the underwriter of this consumer transaction, I demand XXXX XXXX  to provide me with a listing of all the factors involved in this consumer transaction. 
Further more, the Equal Credit Opportunity Act states that denying me my own credit is discrimination. AFFIRM provided me with the reasons why I was denied my own credit ( see attachment ), however regardless of the reason I have a right to credit and withholding my securities is securities fraud. 
In the event that you continue to deny me my own credit, I demand you to retract my application and provide me with any equity gained, received, sold, transferred, acquired, etc from the pooling of assets from the original application. You ( AFFIRM, XXXX XXXX, Trustees, and their partners and affiliates ) have no more than XXXX business days to remedy this violation in Good Faith, otherwise damages will be applied to the principal balance for retribution of ALL the aforementioned violations. 
Additionally, I am a victim of the data breaches from the credit reporting agencies and their dishonorable sham investigations that have left my consumer report with inaccuracies and violations even after my attempts to receive just due for the damages ensued.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX b ) XXXX XXXX Equifax Account # : XXXX Account Type - Detail : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$27000.00} According to XXXX XXXX XXXX XXXXXXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Credit card

After placing a catering order online in XX/XX/XXXX, someone hacked my email account and placed several fraudulent orders from several retailers. My Kohls account was hacked around XX/XX/XXXX yielding XXXX fraudulent orders that were cancelled. I secured my email account via XXXX factor authorization. Fast forward to XX/XX/XXXX and someone hacked my Kohls account again. An {$800.00} payment was made on XX/XX/XXXX. An order was made on XX/XX/XXXX. By the time I called Kohls to report the fraud, they had already cancelled the order. I have since changed my email address for my Kohls account. I had to wait an extra day because they could not change the email via chat. I was advised to call their customer service number, which had already closed when I chatted. I tried chatting with someone different the next day and was able to change my Kohls.com shopping email via chat. I also changed log in information for my Kohls credit card account. Kohls MUST do a better job of protecting our accounts. Due to that fraudulent {$800.00} payment, my checking account has been negative since that payment cleared on XX/XX/XXXX. Because of the negative balance, I cant buy anything to eat. I dont keep much in that account. What I do keep in there is enough for my monthly bills. If my account goes negative, let it be by my own hands, not by someone committing fraud. I have been severely depressed and upset that my account wont be resolved until XX/XX/XXXX because of their 10-day investigative time frame. To say that I am devastated would truly be an understatement. I havent been able to eat, and I am severely sick on my stomach. I have had XXXX after XXXX since this account hack happened AGAIN! I went to the bank and showed proof of the fraud, but they said I still must wait. I am the victim, so why am I being punished. I attached XX/XX/XXXX and XX/XX/XXXX fraudulent activity on my kohls account.
Product: Credit card or prepaid card

On XX/XX/2021, I tried to purchase air tickets on the official website of XXXX XXXX, one of the world 's largest airlines. However, my city premier card was declined. I called citi, and they denied that it was their problem, because they did not see the transaction, and started to blame the merchant. This was not the first failure I had with this citi card, and they continuously blamed the merchants rather than look at their own system. I have attached the screen shot to prove that the transaction indeed was submitted to citi for process and it was citi who declined it. I would prefer to have this case escalated to the highest level such that the rights of the consumers could be protected. Thanks.
Product: Payday loan, title loan, or personal loan

I took out a couple of payday loans with Spotloan due to being in a pinch, I intended to pay them off but I was in several positions where I was terminated from my employment leading to being evicted and losing my car. 

I explained to them SEVERAL TIMES that I can not even pay XXXX XXXXXXXX dollars and that I am FLAT broke. I complained to the XXXX and ALL THEY could do was payments of {$85.00}. I simply TOLD ALL of them I CAN NOT PAY. 

They say that can not forgive the debt, however I have had other companies forgive my debts due to my situation and asked no questions. 

I have already provided them with documentation of hardship. 

Thank you for your attention and understanding towards this matter. 

XXXX XXXX