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

On XX/XX/XXXX I called Equifax to get the incorrect information disputed on my account. I was unable to do so over the phone because documentation was needed to be faxed over so I went online to do it. I uploaded all required documents and continued to call to speak to someone to talk with them about what was needed to be disputed over the phone. After calling throughout the day speaking to a Supervisor getting the run around no one wanted to help. The one person who was willing to help said to me go in the system and upload the document that needed, I will wait on the line once you do let me know because I pulled up the license ( one of the documents being requested ) he was able to do this because I gave him the dispute number ) I was not able to stay on the line with him because in turn I put the wrong password into the account and my account was then locked due to an incorrect password and I had to wait the 30 minutes to be able to log back in. The excuse being given is call back because the system is being updated and we cant pull up the file when not even 10 minutes prior I called was on hold with someone and the person hung up. This started at XXXX and continued with until XXXX. I have yet to be helped and the documentation is there in the system already. I have dispute confirmation numbers to prove such. I spoke with 7 associates and 1 supervisor. Again the end the excuse as stated was our system is down and we can not access your account. This is only happening because I am being persistent and wont take no for an answer because no one wants to actually do the work. This is unacceptable when this is not my fault at all. They want consumers to use credit in America but EQUIFAX wont take responsibility for mixing up two credit files. I did what was asked of me and now Im getting the run around and its aggravating. Please I am asking for your help in this matter. I shouldnt be treated this way as a consumer not to mention this is holding up be being able to securely apply for things especially when I know that my credit is clean.
Product: Student loan

I was told by Navient they were now my loan servicer since Sallie Mae stopped. I've had a Sallie Mae Stafford Loan since XXXX. I attended University XXXX XXXX XXXX to XXXX program in XXXX XXXX. Navient told me it was now a private loan and didn't qualify for any of Biden 's payment plan or reductions. I tried deferment, and recently paid off the XXXX dollar loan in XXXX. That's over 25 years of dealing with Navient and Sallie Mae. Navient kept denying my attempts. Even after stopping work with the birth of my child who has XXXX XXXX. I couldn't get Navient to listen to anything I had to say about the Stafford Loan. The just decided to change it to a private loan with no explanation. Please help if you can. I was over charged by Navient since they took over for Sallie Mae. Not sure of what year Navient took over my loan. I think it was about XXXX. So that's 10 years at least of payments and deferment requests and loan overcharges.i tried several times to apply for Biden 's loan relief, but Navient kept saying I didn't qualify. That wasn't true in their part, but I'm one nurse who couldn't fight them and raise a XXXX child at the same time.
Product: Bank account or service

XXXX/XXXX/15, I opened a small business bank account at Chase. I funded the account, by writing a check from my XXXX XXXX account for a large amount of money. Nine days later, and six business days later, I learned the money I had deposited into my new Chase account was frozen. THAT is my FIRST COMPLAINT. My SECOND COMPLAINT, is that at no time, was there any communication that the funds were frozen and unavailable, which means of course, by then I was out writing checks against the money, which immediately BOUNCED, which obviously is my THIRD COMPLAINT. How dare you bounce a check, as if I did not have funds in the account to pay for it!!!! Only by taking off work on my time, to go back to my local branch and raising hell, did several Chase departments get called, and funds released. The explanation I was given, was that Chase was n't able to validate the check I had used from XXXX?????? THAT IS MY FOURTH COMPLAINT! Seriously!? For SHAME! That is a STUPID response. Not ignorant ... but stupid. My XXXX Bank branch, is XXXX feet from my Chase branch, and while I know that the internal Chase departments do n't know that, what XXXX in Chase is not capable of to picking up the phone and calling XXXX if they had questions? Instead you freeze the money in a new small business account, hiding behind the phrase ... 'for your security '. AND THAT IS MY FIFTH COMPLAINT. If ANY account of mine, is at risk at any time, in any way, you had better dang well pick up the phone and CALL me. And NO, not nine days later, when I HAVE TO COME TO YOU FOR EXPLANATION. What small business on this planet, can afford to have their capital locked up for that ridiculous amount of time and certainly, with no communication from the bank. So Chase 's processes find it okay for them to play a little 'XXXX ' with my money? Let me ask you ... ..PLEASE, PLEASE, PLEASE, give me more of the Chase PEP talk, about why I should do my banking at Chase! I am ALL ears. I 'm positive I 'll be able to drink the lemonade after you 've cost me time, money, and put my business at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Account # XXXX SS # XXXX To Whom It May Concern : " On XX/XX/XXXX Complaint number XXXX, I requested your company is reporting the below-referenced account on my credit report as a collection account. 
XXXX  XXXX I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. '' Today I received your response which included credit card statements ; rather than an application or alleged contract bearing my signature, as well as any proof of your authority in this matter. 

Since you were unable to provide the requested documentation there remains no option other than to remove this erroneous reports of this past debt as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing with TransUnion in XX/XX/2020, I haven't been successful with them at all in any of the disputes submitted and it is very aggravating! my last 2 disputes i sent to them through certified mail to make sure they got them, and they claimed it wasn't me disputing, I took that very offensively and it is not okay!
Product: Checking or savings account

On XX/XX/2020 there was a " credit balance refund debit ' noted in the amount of {$940.00} made to my Visa account with Bank of America. 
No further communication or explanation from the bank was received. 
Alarmed, I went into Bank ( much to my chagren being a senior ) and was told I would be receiving a check in this amount. 
It was a refund from XXXX XXXX received in XXXX. 
Well, it is now XX/XX/2020 and I have yet to receive the money. 
Bank of America says they sent it by regular mail and I have to wait 15 Business days before they can stop payment. 
I am extremely dissatisfied with how this has been handled by the Bank of America and I therefore want to file a complaint.
Product: Student loan

In mid XX/XX/XXXX, I contacted Navient to ask about a XXXX waiver on the student loans on which I was a cosigner. On the XXXX, I received a letter of instruction on to apply for " Navient private student loan '' XXXX waiver. On XX/XX/XXXX I submitted the Navient Private Loan Total ans XXXX XXXX Request form along with 60 pages of supporting documents. I received an " upload successful '' message. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from the Office of the Cosumer Advocate stated that " this review is not available for cosigners ''. I called on XXXX and left a message because I had questions. I then called 10 more times before the advocate called me on XX/XX/XXXX. At that time I was told " I didn't qualify because this was a private loan and only federally subsidized loans would qualify for a XXXX waiver ". The letter on XX/XX/XXXX reads Navient Private Loan, the form to request a XXXX waiver reads Navient Private Loan. Navient just changed the reason each time. I then asked for all the original loan documents along with Navient 's cosigner XXXX waiver documentation or any documentation about my repayment rights as a cosigner. On XX/XX/XXXX U received the loans documents but no information about my rights as a cosigner. I have also called the XXXX department but after leaving 10 messages I have received no response. The reason I have applied for a XXXX waiver is that my daughter XXXX can not make her payments so as a cosigner I am now responsible to make the payments. My other XXXX daughters have submitted requests to release me as a cosigner multiple times ( XXXX has submitted the paperwork 4 times ) Even though they have met the requirement of making 12 consecutive on time payments, Navient has denied their requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023, XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$700.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2000.00}, 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: Prepaid card

This issue is regarding an unspent credit of {$120.00} available/ remaining on an " Award Card '' that was issued as a replacement to a compromised " Gift Card '' back in XXXX. 

[ XXXX ] As per New York state law, there is a 5-year expiration date from purchase before funds on a gift card can expire. 

[ XXXX ] I had previously purchased a gift card for use, and it was unfortunately compromised. Blackhawk Network ( hereinafter " BHN '' ) / Pathward ( previously known as XXXX ) did provide a replacement. 

[ XXXX ] However, on the replacement card, it is marked as an " Award Card '' with a very short valid period of until XX/XX/XXXX. 

[ XXXX ] On XX/XX/XXXX at XXXX, I initiated a call to XXXX, the customer support number for BHN XXXX XXXX XXXX XXXX issued gift cards, to see if I can have a new card issued or somehow get access to the {$120.00} remaining. * * Note : Attached is a full audio recording of the entire conversation between myself and the representative I spoke with, which includes discussion of [ XXXX ] .... 

[ XXXX ] Customer service rep did confirm that any available amount remaining will be automatically lost, and refused to provide any option to access the funds, citing that the replacement card is an " Award Card '' and thus, New York State 's Gift Card law does not apply.

This scenario, in my opinion, is : - ( 1 ) a very obvious attempt at circumventing the spirit of the Gift Card expiration law by using clever legal language, especially given that the funds are still unused and available on the " now expired card. '' - ( 2 ) could be considered a violation of New York State 's Abandoned Property Law- since the bank is aware that funds were paid, but was " expired and left unused. '' As per the Abandoned Property Law, funds should be transferred to New York State Comptrollers Office of Unclaimed Funds- not simply kept.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/year>
Product: Mortgage

jp morgan chase currently still refusing to reach suitable terms on fraudulent mortgage secured by a HELOC intrest only XXXX line of credit we have remained 60 and 90 late for years nowthe bank should be investigated for fraud as well as truth inlending practices, violation of the national mortgage settlementwith each violation is now subject to fines in excess of $ XXXX for each violation and any pattern of violations subjectto XXXX in penalties we are now listing XXXX violations all finesare to be inforced within 60 days of this complaint from thesettlement monitor.Please update us as to the status of thiscomplaint for our attorneys recordsThank You
Product: Credit reporting or other personal consumer reports

Ive recently checked my my credit report and noticed some inaccurate accounts reporting.
Product: Credit reporting or other personal consumer reports

Absurd explanation of this complaint experian closed proves once again this is a fraudulent company
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote all three credit bureaus and the reporting companies several times asking to remove items as I was a victim of identity theft. The first date disputed was around XX/XX/XXXX, the next dispute was around XX/XX/XXXX, and then XX/XX/XXXX. I then sent a certified debt validation letter in the mail to the reporting companies ( XXXX XXXX XXXX. I was never provided anything other than a XXXX and XXXX e-statement. I am well aware that I have never did business with the reporting company ( collection agency ) and that I disputed it 3 times and both the company and the Credit Bureaus never provided me with a signed contract with my signature. A collection bill is not a real validation. I also sent a fraud packet to XXXX directly. I have a right to be provided with valid proof or it needs to be remove. This is impacting my ability to purchase my new home, as my credit score is impacted. Please request that these collections be removed.
Product: Credit reporting or other personal consumer reports

These late payments do not reflect my typical payment behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time ago, I created a myEquifax account to manage the process of freezing/unfreezing my credit file online vs. calling them, which is a minimum 20 minute endeavor. Earlier this year, I found that I was unable to log into my account, being told credentials entered were not correct, even though i was certain they were. Ultimately, an incident report was initiated ( conf. # : XXXX ) to have their technical group investigate and resolve, with a promise of an email being sent to me once corrected. Months later, after still not having received said email, I mailed a letter ( copy attached ) to Equifax corporate ( to their Chief Legal Officer, XXXX XXXX, dated XX/XX/20 ) detailing my saga and requesting that my issue be escalated for a remedy and response, neither of which has yet to occur in the month or so since sending that letter. 

Last week, I tried logging in again, including doing the whole password reset routine multiple times, but to no avail. On XX/XX/20, I called again, stepping through the whole calling in and verifying myself process for about 20 minutes, then finally speaking with someone. After about 20 minutes of conversation, I was suddenly disconnected and the agent never called me back. I have a log of every date, time, agent name & agent ID documenting my multiple calls on hand if needed. This same log was included in my letter to facilitate verification internally. 

I am at a dead end. I have no choice but to have to deal with Equifax since they hold the " keys to the kingdom '' so to speak for most credit checks, but they have not done anything to resolve the issue. This has left me with no other option but to appear to your agency to step in and make them perform on this matter. 

Please advise if any other info is needed from me to move forward with this complaint. I am also attaching a log of my interactions with Equifax on this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. Please consider the significance of this issue and its impact on my financial wellbeing. 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 card

This is regarding a store credit card that I have for Kohl 's. Recently, I received a new Kohl 's XXXX card in the mail, with the notification that this would be replacing my store credit card. I never requested a XXXX card of any kind. I feel that this is a violation of the Truth In Lending act, by sending me an " unsolicited '' credit card in the mail. I have told them that I wish to retain the regular store card and do not accept the XXXX card, but they have failed to take any corrective action.

An " unsolicited '' credit card is a credit card opened in a consumer 's name without that person 's permission. Under Regulation Z, which implements the Truth in Lending Act, it's illegal for a credit card company, store, or other entity to send you a credit card you didn't request. ( 12 C.F.R. 226.12 ).

Please advise on what I should do. Thank you! 

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

I have made several disputes over tradelines from the creditor XXXX and submitted sufficient supporting documentation that the tradelines are fraudulent and must be removed immediately. Experian refuses to acknowledge that XXXX is in violation of FCRA regulations. I disputed the tradelines with XXXX and XXXX  and XXXX then reported that the tradelines are fraudulent and agreed to remove them. However, the creditor is reporting to Experian that the debt is valid and Experian is allowing XXXX to continue reporting these fraudulent tradelines. It is Experians job to ensure that fraudulent credit reporting does not impact the consumer. Therefore, Experian failed to perform their duties and is in violation of consumer protection regulations- allowing XXXX to report these tradelines as valid while knowing that XXXX and XXXX have removed all XXXX tradelines from my credit report due to fraud and other reasons stated in the dispute. I last disputed the tradelines on XX/XX/XXXX and Experian assured me that the tradelines would be removed by XX/XX/XXXX ; this is a promise that was made before. I will not allow Experian to continue reporting these tradelines as valid nor allow them to ignore the facts.
Product: Credit card or prepaid card

On XXXX XXXX, I received a bill from First National Bank of Omaha for charges of {$64.00}, my credit card ending with XXXX. Knowing that I did not make any purchases, i examined the bill carefully and noted that the contents of the bill ( Transaction Detail ) reflected charges made from play station network. dated XXXX XX/XX/XXXX. I immediately called First National Bank of Omaha and informed them that I did not make any purchase on my credit card, and furthermore, i am XXXX XXXX XXXX and do not own a console.. My husband is XXXX XXXX XXXX and he does not own a console either. I do not have any grand children who live nearby and I can't imagine how this error could have occurred. I was told by XXXX that they would investigate the matter further, and not to make a payment because an investigation will commence. ( The moment they mentioned my old address and telephone # at Delaware, I knew that I was a victim of fraud ). First National Bank of Omaha closed the account and issued me another credit card. On XX/XX/XXXX, I received a letter from First National Bank of Omaha fraud dept, informing me that they have completed their investigation and I made these purchases. This is absolutely false. I am struggling to get over XXXX of my XXXX  XXXX, and I did not make these purchases. I moved to my present address 3 years ago, and I believe that First National Bank of Omaha sent out a credit card to me, and it probably went to my old address in Delaware, and someone got hold of that card, and made these purchases. Furthermore, they informed me that a purchase on this card was made in XXXX, and it was paid by error, however, they would refund me the {$59.00} that was paid in error. I am very disturbed at the knowledge that someone used the card, and now I am being billed for purchases that I did not make. I have an outstanding credit score, because I am a good citizen and pay my bills on time, however, I know that I have been a victim of identity theft, ( As I did not authorize any one in to purchase anything using the above card. ) Kindly help me as I know that I am an innocent victim. You can contact me at XXXX and at my email address of XXXX. Thank you for your kind consideration to this matter. Sincerely, XXXX XXXX.