23daVinci/CFPB_Complaints huggingface dataset:
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.

15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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: Checking or savings account

I filed for XXXX XXXX  on XX/XX/year> and doing so a lady told me direct deposit is normally the most efficient and fastest way to get my money so I set it up to be deposited into my Chime checking account. It took me nearly XXXX weeks to get approved and XXXXXXXX XXXX told me that before Im able to get my check deposited they do what they call a test run to make sure that it is the correct account and that its going to be able to be pushed through. Did a weekly claim on the XXXX and then by the XXXX the XXXXXXXX XXXX had had processed my check into my Chime account, but I wasnt seeing any funds on my bank and so doing calls back-and-forth back-and-forth between my bank and XXXX  is chime is not releasing the funds, they asked for documents like my social my ID my marriage license all of that which I submitted and a week later I still havent gotten my money and all they can say is its still in processing but after a week, I dont understand why Im still not able to receive my money. I think something happened to it and theyre not being truthful or I meant I meant sure whats going on, but they refused to process my payment through to me.
Product: Student loan

Navient services 4 of my private student loans. 2 of these loans recently came out of my cosigner 's bankruptcy and I am unable to make these payments. The interest rates are incredibly high, and the total loan amount has tripled. I will never pay these off. I have called Navient many times to try and get some assistance but they have told me I am out of options. I do not have a cosigner available for refinancing, and I am needing some leniency from Navient to avoid default. They refuse to offer any further reprieve despite being very honest about my financial situation.
Product: Money transfer, virtual currency, or money service

Subject : Urgent Resolution Needed for Long-Standing Dispute with Venmo I am writing to seek urgent assistance regarding a persistent issue with my Venmo account that has been unresolved for nearly five years.

Account History and Issue Overview : Venmo Account Since : XX/XX/XXXX Incident Date : XX/XX/XXXX Disputed Amount : {$150.00} In XXXX, during a peak period of online fraud, {$150.00} was fraudulently transferred from my Venmo account. Upon discovering this, I immediately contacted Venmo, who instructed me to dispute the charge through my bank, as the funds were withdrawn directly from my bank account.

Actions Taken : Dispute Initiated : I followed Venmos guidance and reported the issue to my bank, which successfully disputed the charge and refunded {$53.00}.

Account Unlinked : To prevent further unauthorized transactions, I unlinked my bank account from Venmo and obtained a new debit card.

Despite these actions, Venmo hasn't acknowledged any of this and says I owe them the remaining {$100.00}, which has been both confusing and frustrating.

Ongoing Issues : Unresolved Dispute : The matter remains unresolved, and all attempts to reach a satisfactory resolution have been unsuccessful.

Lack of Credit Report Impact : This issue does not appear on my credit report, making it more challenging to address through standard dispute channels.

Recent Interaction : My last interaction with Venmos customer service was unhelpful and unprofessional. I was denied access to necessary account information and evidence related to the fraud, with a representative dismissively stating, " no I don't care. '' Request for Immediate Resolution : I kindly request a thorough and prompt review of this issue. Specifically, I seek : Please treat this matter with the urgency it requires. I appreciate your immediate attention and look forward to a swift resolution.

Thank you for your cooperation.
Product: Debt collection

I have tried several attempts to resolve the issue with Hunter Warfield but no response to the issues at hand. provided court record to the dismissal that XXXX XXXX did not respond to the court of on going issues and other issues at hand. XXXX XXXX did not respond to legal mail sent to them on the issues at hand. 

If the matter cant be resolved I will be force to take this back to court and let a judge ask why XXXX XXXX never showed up to what they file on and there was 2 times they never showed to court and there was on going issues at hand as well.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX submitted alegal order debit to XXXX XXXX bank where I have a small savings in the amount of {$4.00} they told me this was for an old account in XX/XX/XXXX I have no knowledge of but they sent papers to me on XX/XX/XXXX in the name of XXXX XXXX. I live on a fixed income and Im elderly and I dont need these people taking money from my account please help me if you can
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows on My XXXX report XXXX XXXX XXXX is reporting loans account # XXXX a 90 days late as XX/XX/XXXX. I have dispute the information with XXXX and they sent a letter stating the information were correct with no proof. I also reach out to XXXX XXXX XXXX XXXX  several of times, they also stated the information were correct. I spoke with a Rep XX/XX/XXXX. She stated she will open another dispute and will reach back out when dispute is finalized. I have not received an email or notification regarding this matter. My account never been late I always had my account in Deferment or forbearance status. There is no way I could have fell in a 90 day late status
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously filed complaints with this agency for this ... will be acquiring legal counsel if this attempt does not satisfy ... Most recent previous numbers are XXXX & XXXX ... .Medical collection is still allowed to be on XXXX and Equifax reports... According to new law passed recently, all medical collections are to be removed from credit reports... XXXX XXXX XXXX is a medical/dental bill sent to collections agency XXXX XXXX and XXXX because of failed insurance coverage ... .It has been removed from XXXX back in XX/XX/22, yet still remains on XXXX and Equifax after numerous disputes... this is an ongoing issue with XXXX and XXXX... it needs to be removed
Product: Credit card or prepaid card

I received an introductory bonus offer in the mail for a Chase Freedom credit card. I attempted to apply online twice, but I received a system error code both times. I called customer support to inquire, and they recommended making an in-branch appointment. I made my appointment at the XXXX XXXX branch in XXXX, CA. I brought my introductory bonus flyer with me at the time of enrollment and clearly instructed the agent I was only applying for the gas introductory offer of 5 % back on up to {$6000.00} in purchases during the first 12mo. from account opening. I was assured by the agent my bonus would be applied both during and after enrollment.

After approximately 1-2 months of purchases and payments toward my account, I noticed I was not receiving the proper rewards back. I was only earning the minimum 1 % back on my gas purchases, which made up nearly all of the expenses on the card. Again, I only applied for this card to earn the introductory gas offer because those are the primary charges I would be making on this account. I attempted to call customer and card member services to resolve the issue, and nothing was done to assist. I spoke to numerous agents all claiming to have created a " case number '' to resolve the matter, but ultimately there was no changes made. I was instructed my next best option was to visit my local branch again to see if the original enrollment could better assist. 

I made an appointment with my local branch to speak with my agent and updated her on the situation. She was greatly surprised to hear that I was not receiving the rewards and even informed me she had signed up numerous clients for the same credit card/intro offer; worried they might not be receiving the proper rewards as well. She called customer service both on my behalf and together in a joint conference-call to resolve the issue. We were informed a new case would be made and I would receive notice in the mail of the outcome within two weeks. After receiving the letter response, again I was informed nothing could be done to resolve the issue. I called the service number to inquire more information as to why, and I was informed that the Marketing department could not confirm the intro offer I was expecting to receive ; therefore, they would not honor it. If I still had the offer, I was instructed to send it in via secure message on my Chase app and " [ They ] will be happy to review [ my ] account and take the appropriate action ''. 

Unfortunately, my enrollment agent kept the original offer letter I had received after assuring me I would not need it anymore. I then had to search online for the original offer letter and promptly sent in all information I found via the Chase app messaging service. After 24 hours, I received a response which again stated the offer would not be available for my account. I have attached the same intro bonus I provided to Chase. To be clear : it is not the physical offer I received in my mailbox because my enrollment agent kept that, but this is the same intro offer I was applying for, and Chase marketing agents claimed did not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a chap XXXX bankruptcy with all 3 credit reports. XXXX, XXXX and Equifax failed to verfiy within 30 days the items disputed, in addition not provide results of the investigation within 30 days.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I noticed unauthorized transactions totaling {$10000.00} in my Robinhood account. Upon reporting this, Robinhood locked my account, which also contains {$8000.00} in unaffected funds that should not have been restricted. 

Since the report, I have been in constant communication with Robinhood support, making 14 phone calls, sending 9 emails, and having 17 chats with various representatives, amounting to over 3 hours of time spent. Robinhood initially provided a resolution date of XX/XX/year>, but that has been pushed to XX/XX/year> with no clear explanation. Despite multiple requests, I have not received any manager call-backs as promised. 

Additionally, on XXXX occasions, agents were rude and even hung up on me, including XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. This situation has caused significant financial stress due to the lack of access to my unaffected funds and delays in resolving the issue.

I believe this handling violates Robinhoods customer service standards and potentially regulations by FINRA and the SEC.
Product: Student loan

AES Team, I was informed about the XXXX Loan Forgiveness program a few years ago by AES reps on several seperate occasions. However, I was not properly informed about all the features of this program ; specifically XXXX Loan Forgiveness Forbearance. I was not properly informed that during the 5 year period, you can annually apply for forbearance while completing the 5 years eligibility at a XXXX XXXX XXXX. I was told my only forbearance option was General Forbearance which lasts less than 1 year. Had I been informed of this during the initial consult with AES reps I would have immediately applied for this special forbearance annually. 

I am now finishing up my 5th year at a title 1 school and are ready to have my loans forgiven. However, I am requesting retro active forbearance for 4 years ( XXXX XXXX ) in which I was eligible for the XXXX Loan Forgiveness Forbearance but was not advised of my eligibility for it. The XXXX loan forgiveness forbearance was the BEST repayment option for my specific circumstance over the past 4 years and AES failed to advise me of that. As a result, I have 2 90 day late payments on my credit report that could have been avoided had I been given correct information by AES reps. 

I know AES is all about helping its customers whos loans it services have the most pleasant experience ; especially its XXXX who serve in XXXX XXXX XXXX where we serve children from difficult life circumstances. I know AES has the best intentions to offer solutions to make the repayment process pleasant. However, the ball was dropped in my circumstance. 

This retroactive forbearance would rectify the unfortunate situation of not fulfilling their duty to inform me the best forbearance solution over the past 4 years. I know this is an abnormal request. However, given the extent of the circumstances I think you will agree that my request is fair and something that I am more than eligible for and entitled to as a XXXX XXXX XXXX that was not properly informed. Thank you for your time. 

I have tried on several occasions to rectify this with AES directly to no avail. 

Forgiveness Forbearance A XXXX  Loan Forgiveness Forbearance can be requested while you are completing the 5 years of teaching service at an eligible XXXX XXXX XXXX. The forbearance will be applied in 1 year increments, so you must reapply annually.
Product: Credit card or prepaid card

I had a Visa credit card with First National Bank of Omaha ( FNBO ), XXXX XXXX XXXX, XXXX, Nebraska, XXXX, for ~40 years and never had a late payment. On XX/XX/XXXX, my credit card was closed abruptly and without warning for " long term inactivity. '' I used the card primarily for travel and last used it in XX/XX/XXXX. I did not travel in XXXX due to COVID. I would hardly consider 16 months " long term '' and feel I should have been given warning of their intention. In addition, this is not the way a loyal, long-term customer should have been treated. I called to explain that I planned to resume travel ( and use of the card ) and request my card be reinstated. I spoke to an individual who was rude and dismissive and said the cancellation was " permanent. ''
Product: Debt collection

Hi, This is is 3rd Notice regarding alleged debt, in past one i offered {$150.00} for one time payment as settlement just morally, not financial obligation so i'm asking collection agnecy for verification and resualt of disputed letter from creditor if the beleived i owe this alleged debt and still want collect the other amount instead of {$150.00} so incase not accepted my offer of {$150.00} and trying intentioally keep this alleged debt for lil while to collect interest or late fee so i can send all receipt to Pennsylvania Attorney General 's Office of Consumer Protection to determine that i didn't owe anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been several months now I have been in consistent contact with Experian consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Experian. Experian has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Experian has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Experian should be held accountability. Experian has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Experian is liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes regarding XXXX XXXX XXXX and provided proof that they have been reporting an account that does not belong to me. They have now started to call me and attempt to collect the debt even with out providing proof or even investigating. I've had this dispute open since XX/XX/2020 and this has not been removed. I have had numerous problems due to XXXX XXXX data breach and they are not helpful at all in resolving issues. I'm trying to buy a home for my family but can not because they wont do what is required under the FCRA. I've written letters and called and there is no way to reach a person.
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, Affirm # XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 a 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

Community Loan Servicing took over my home loan. They have reported my loan as missed payments in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I paid with proof of payment through my bank statements. I have requested to have those late payments removed off my credit report which has tremendously hurt my score as they werent late and my loan was sold to another company XXXX XXXX whom took over my payments in XX/XX/XXXX. I call Community Loan Servicing only to be rerouted to XXXX XXXX. I then have to find a land line to call from so they dont have my phone number attached to my old account just to get a representative on the phone to redirect me to an email address for my concerns on this matter as she said she couldnt help me I have emailed Community Loan Servicing FOUR times without a response! I have filed disputes with all 3 credit bureaus to have this removed and its currently under investigation. I am trying to refinance my home loan with a better deal and this is my hold up. For the past week I have stressed over this as NO ONE WILL ANSWER at Community Loan Servicing. I shouldnt have to go through this much trouble to get customer service on a loan I had with them. I log on to their website and it redirects me to XXXX XXXX yet again. Someone needs to train this business with better customer service!! I can even access my old account not will anyone help me remove these negative remarks off my report. I have proof of payments and I have never been treated so poorly by a company! Someone needs to be held responsible for this!
Product: Debt collection

I am not liable for this debt with Portfolio Recovery and do not have a contract with them. They did not provide me with any original documents or signatures like I asked. This debt was not properly validated. 
The problem is the company didn't provide the documentation that proves I owe anything. Where is the contract between the company and me? Where is the full accounting because I can't just take their word for it that I owe some company I've never contracted with, some made up number?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit agencies XXXX/Experian stated my accounts were properly investigated and verified as accurate for the 3rd time. I contacted the agency to remove the inaccurate information and update my credit report. they responded with the account is verified the inaccuracies still remain causes harm to my livelihood. They have reported payment dates inaccurate showing XXXX with no 30 or 60 days late. On one account there reporting 3 different payment Example  Ok/30/Ok history on all 3 reporting agencies. I did not give them permission to produce this information. This should be removed because they are violating my rights under the Law

15 U.S Code 1681 - CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE

(a) Accuracy and fairness of credit reporting

15 U.S Code 1681E COMPLIANCE PROCEDURES

(b) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I also have the tracking number to prove they where notified by mail 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Here is your formal complaint letter, updated with your personal information : Subject : Formal Complaint Failure to Conduct a Reasonable Investigation of Credit Dispute To Whom It May Concern, I am filing a formal complaint regarding Experians failure to properly investigate inaccuracies in my credit report. Despite my timely disputes and submission of supporting documentation, [ Experian/XXXX  ] has repeatedly responded within an unreasonably short time frame, stating that the information is accurate without providing any evidence of a thorough investigation. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to : Conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Review and consider all relevant information provided by the consumer ( 15 U.S.C. 1681i ( a ) ( 4 ) ).

Provide results of the reinvestigation within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) ). 

Additionally, failure to conduct a proper reinvestigation may constitute a violation of the Consumer Financial Protection Act ( CFPA ) under 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), which prohibits unfair, deceptive, or abusive acts or practices in consumer financial products and services. 

I demand that [ Experian/XXXX  ] immediately conduct a proper reinvestigation in compliance with federal law. If this matter is not resolved appropriately, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue all available legal remedies. 

Please provide a written response detailing the steps taken to investigate and correct the disputed information. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX