23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Loan had been in XXXX related Deferment on a yearly basis. Navient requires yearly renewal paperwork from my XXXX office. This was submitted to Navient via fax on XXXX/XXXX/XXXX. Began receiving phone calls from Navient regarding my loan in late XXXX. The phone calls stated that my loan was in repayment status and that payments were past due. Once I explained that I had submitted the Deferment paperwork I was told that it was not on record. While on the phone they looked through my file and found my paperwork. Two weeks later began receiving phone calls again. I was told that the paperwork on file was not sufficient and would need a conference call with my XXXX. Once I was able to arrange this I called Navient back, The then stated that this was incorrect and that my loan was no longer eligible for Deferment. They stated that it had exceeded the allowed Deferment time period. I asked for a copy of my promissory note. I was told that it would take 30 days to get the promissory note to me and until then my loan was in danger of defaulting. I was told that in order to prevent it from defaulting while I waited for the promissory note I would need to make a payment.. This was in XXXX XXXX and I paid them approx. {$500.00}. In the beginning of XXXX I spoke with a different advisor at Navient who said the initial person in XXXX was incorrect and that I had one more month available of Deferment. I was instructed that I needed to submit additional paperwork and that this would be mailed to me. I continued to receive multiple daily phone calls and when able to answer I was told that it was in fact in the mail on it 's way to me. After 3 weeks I called again and expressed my concern that I had not received it. They then emailed it to me XXXX. I had it completed and faxed to them XXXX. 2 weeks later I received a notification that my loan had defaulted. Once I tried to explain the situation with multiple different levels of individuals I was told there was nothing I could do. The only thing I could do was pay the past due balance which I was told had started XXXX, XXXX before I would be able to make a settlement. I have tried to reach the XXXX via email and phone with voicemails multiple times for the past 3 months with no response. There are multiple missed payment flags as well as the defaulted loan on my credit report. These are having a substantial negative impact on my credit score which is affecting me drastically.
Product: Credit reporting or other personal consumer reports

I have a discharge of my student loans attached to the complaint showing the student loans have been discharged over 3 months ago and still XXXX, XXXX, and XXXX never removed the student loans from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on for at least 1 month, if not longer. I ALWAYS input the same information on my credit report to get access, including the confirmation numbers they give me, this is the latest one - XXXX. Tells me the same thing all the time, " The information does not match our records ''. Now, keep in mind, I am going by the credit report they send me with the confirmation number that has been PROVIDED by Equifax!
Product: Checking or savings account

I called customer service many times to request a new debit card and all the calls the answer was " go to a branch '', something is not possible because where I am now there is no branches near, even there is no branch on this state. 
Also I tried to request the new debit card trough the online banking without success...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. This ground for removal under : 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.
Product: Student loan

RE : CFPB Complaint - XXXX Sallie Mae has not updated the address as the said they would and have now increased his APR to 10.25 % ( XXXX ) and 8.250 % ( XXXX ) although they know he is XXXX in the XXXX XXXX as a XXXX. I am paying on his account and handling his finances while he away.
Product: Checking or savings account

To Whomever this may concern, My name is XXXX XXXX and I run a family owned fashion brand on XXXX. We decided it would be a good idea to use paypal as a payment processor for our sales. In the beginning, we had some issues with paypal due to it being a brand new account so we were on the phone with them 3-4x a week verifying tracking # 's and other business info to prove our legitimacy etc. We provided them with all of the information that was needed by them. It was going so well with them, and so was our business. Black Friday and Cyber Monday is the busiest time of the year for us so there was a high amount of transactions/orders. We roughly processed around XXXX with them. Right after Black Friday was over, Paypal has held around XXXX of our funds ( 180 days ) and we need this to pay our employees, pay for ad spend, and other overhead costs. I spoke to XXXX and she reassured me everything was perfect on their side after providing them all of the documentations they asked for ( before the 180 day hold ). I called paypal the day the limitation hit our account and the rep said he could not give us any info. The least we can get is an explanation. This is really hurting our business. We need that XXXX back. I am very disappointed and plan on taking legal action. 

Then, out of nowhere
Product: Credit reporting or other personal consumer reports

I feel that XXXX might be behind my wrongful denial of credit cards applications which I lose valuable credit score points upon applying. XXXX is wrongfully calculating the use of credit cards but does not realize that the accounts are closed after the promotional period has ended : " Our evaluation of the inquiries on your credit report based on the number, type and recency. ( XXXX ) Your average utilization of credit card accounts is currently too high ( XXXX ) '' I disagree with the utilization of credit card accounts is too high because I have successfully closed out most accounts that are open or should be closed automatically. I utilized chase credit cards for promotions thus when the promotion is satisfied that I close out the account. XXXX is not factoring in my ability to close out my account with a XXXX balance thus XXXX is wrongfully flagging my account as if I am utilizing too many credit cards. This is untrue and should be recognized that consumers do not have to have long-term credit cards and should be able to close out credit cards upon promotional periods. I should not be obligated to use credit cards if they allow a promotional period thus the entrapment is only per promotional credit cards and not general credit cards. XXXX would confuse credit card utilization as if promotional periods are not part of their understanding of utilizing credit cards where a consumer would likely close out a credit card upon successfully completing a promotional period. XXXX should recognize this fault and correct so I can correctly apply and open a new credit card upon closing any older or Chase credit cards. I am unable to open a new credit card because of this faulty understanding as to be wrongfully punished per the promotional credit cards trying to sting customers incorrectly as a conflict of interest of long-term loyalty.
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had four late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attending XXXX XXXX XXXX and was granted a Student Loan with ACS Education Services in XXXX. At one point I was late on making a payment. This account with ACS Education Services was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted ACS Education Services in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, XXXX in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between ACS and myself stating that they will remove negative remarks from credit report. ACS replied to credit bureau, XXXX stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to address the fraudulent, incorrect, and misleading information on my credit report, the issue persists. The presence of these items has severely impacted my life, causing significant distress and anxiety. It is important to emphasize that I did not authorize or consent to this information being associated with my name, as I have been a victim of identity theft.
Product: Bank account or service

I have a payroll account for my job with TD bank. I set my initial account XXXX 2015. Someone via XXXX accessed my account in XXXX this year. 
TD 's solution was to 1. freeze my account or 2. close and open a new a account. I chose to open a new account. The Fraud department of TD did an investigation and told me that the person who accessed my account had closed the account so there was no way to retrieve my money. While I was very upset, I let it go since the total was under {$5.00}. Today I noticed my account was short. Upon investigation, XXXX has again accessed my account on XXXX occasions totaling {$340.00}. The Fraud department 's solution is freeze my account. That is not possible since I have pending charges and bill payment set up. I want to know why TD is not accounta like other banks. With XXXX, that money would be back in my account while there is an investigation. TD 's resolution to my first breach was " that person closed the account we ca n't get your money back ''! 
Where is my consumer protection?! Take it up with XXXX. 
Why are they not accountable? I am closing my payroll account today and will no longer use the Worlds ' Most Inconvenient bank. Someone should look into this. TD tells me that my account was breached using my routing and account number both time. I feel that this is a breach in their bank system. I am sure upon further investigation it will be revealed. 
In the meantime, I am out of my hard earned money due to this bank 's lack in oversight and protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report I have found numerous inaccuracies and violations. I have contacted Equifax multiple times to correct these errors but to no avail, as they seem not to be conducting a proper investigation. I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX all of which have not been able to correct these errors. Below are the account & numerous inaccuracies along with violations ( FCRA, FDCPA ). 

XXXX - Date of Last Activity is incorrect, High Credit inaccurate, Showing a Past Due on a Charge Off account. 

XXXX - High Credit incorrect, Showing a Past Due {$55.00} on a listed Collection/Charge Off account, Date of Last Activity inaccurate, Date of Last Payment is incorrect, Payment History is inaccurately reporting. 

XXXX XXXX - Showing a Past Due {$180.00} on a Collection/Charge Off account, Date of Last Activity is incorrect, Payment History is reporting inconsistently. 

unauthorized inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Its my understanding each item on my credit report should be reporting 100 % accurate. The FCRA states its the SOLE responsibility of Equifax to conduct a proper investigation and the validity of each item or it must be removed. Equifax refuses to remove the above adverse accounts for inaccuracies they are falsely reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting an incorrect coding of the XXXX XXXX   XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XX/XX/XXXX, the merchant XXXX issued a refund of {$2200.00} for XXXX charges to my account which were made through a falsified XXXX account by a minor. The entire falsified account was deleted by XXXX per their policy related to the Children 's Online Privacy Protection Act ( COPPA. ) Of this refund, only XXXX credits totaling {$310.00} returned to my card. I am still being charged {$1900.00} for nothing, as the services were retracted. I have attempted to resolve the issue on many occasions, both by contacting Chase and XXXX, and both parties at the same time on a XXXX way call. 

Those attempts of resolution on my part occurred on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX. XXXX is XXXX  % positive that the refund was issued back to Chase correctly and that they are not charging for the XXXX transactions made from the deleted account. Chase bank is still charging me for XXXX transactions totaling {$1900.00}, which the merchant refunded. 

Chase denied reconciling my account by saying too much time has lapsed and they can no longer review the errors, though they had complete control over the time lapse in reviewing the dispute. The letters I received from Chase state, " our review confirms the transactions are valid, we found no evidence of a billing error. '' This response does not even coincide with the dispute of the missing refund and is not correct. Chase will give no information about the investigation, their process, or policies, and continues to charge me for the refunded money which is in their possession from XXXX.
Product: Debt or credit management

Tomocredit On XX/XX/year> Requests were made to tomocredit help email to stop charging credit card and cancel accidental subscription from XX/XX/year>. It was ignored. After making a complaint with cfpb, tomocredit said they will stop removing money from my account immediately. 
Yet in XXXX and again in XXXX subscription fees were being charged to my account. 
Inclusive after multiple efforts to communicate with them when unanswered.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

Equifax is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of the information they include on my credit report, but currently, they are failing to do so. They have listed an erroneous address : XXXX XXXX XXXX XXXX XXXX, which should be correctly stated as XXXX XXXX XXXX XXXX XXXX XXXX The law, specifically 15 U.S.C. 1681e ( b ), mandates that all details must be precise and consistent across different reporting agencies, which is not the case at present as they display varying addresses. This incorrect address reporting by Equifax is a breach of my federal consumer rights. Moreover, Equifax has not been granted any written consent from me to report these inaccurate addresses on my consumer file, which constitutes a further violation of 15 U.S.C. 1681b ( a ) ( 2 ). It is evident that Equifax has infringed upon my rights protected by the FCRA, and this wrongful reporting has inflicted significant damage to my reputation, leading to discrimination and emotional distress. I demand that XXXX remove the incorrect address of XXXX XXXX XXXX XXXX XXXX XXXX from my report without delay.
Product: Checking or savings account

Each of my payroll checks are being placed on five day holds. If it were one check that would be one thing, but for every check I deposit to suddenly be placed on 5 day holds feel discriminatory. I am the book keeper for the business my payroll checks come from. I checked our business checking account. Every check Ive deposited has cleared that account and been deducted from its funds, my credit institution on the other hand, has however refused to credit me what is owed and been approved.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : XXXX XXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. Any automated response, or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I got a letter from mortgage co telling me they no longer would pay my ins this after they had collected themoney for the past year.During this time my taxes were reduce by 40 % .So they end up having my money in escrow for billsthey no longer were paying.After numerous phone calls to them they refuse to refund my over payment and reduce my escrow amount. 
In XXXX of XX/XX/XXXX after giving up I made a payment for the total of principal and interestwhich they posted as all principal.So after XXXX XXXX XXXX XXXX months of being lied to I have not sent in a payment.Now they are foreclosing on me.
Product: Credit reporting or other personal consumer reports

Im am sending a second notice to XXXX XXXX, XXXX and equifax Which are all aiding in the reporting of non public information without my expressed consent Including accounts : XXXX : Account : XXXX U S DEPT OF EDXXXX, Account Number : XXXX XXXX. XXXX : Account : US DEPT OF EDUCATIONXXXX, Account Number : XXXX and account number XXXX XXXX. Equifax : Account : Us dept of education, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX I am demanding the immediate deletion of all accounts above I have opted out of all creditors sharing my non public information and I have opted out of cras Doing the same which Puts both in default of bad buisness practices and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a Chapter XXXX bankruptcy on my credit report fir more than three years that did not occur. On XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, I have submitted proof to XXXX, Transunion and XXXX that a bankruptcy did not take place. I requested a verification of debt from XXXX, Transunion and XXXX and was notified that the bankruptcy court confirms the information. I received a letter from the bankruptcy court that no reporting is provided to credit bureaus. Additionally, I had to place a security freeze on XXXX XXXX due to fraudulent activity and inaccurate reporting without my knowledge.
Product: Bank account or service

Extremely long wait to be attended through inside lobby. This happens every time I come to Bank of America. Why do n't they just add more tellers from XX/XX/XXXX-XX/XX/XXXX. I get that everything is online now, but this wait time is disrespectful to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting Act XXXX Accounts listed as followed 1. XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXXXX/XX/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.
Product: Credit reporting or other personal consumer reports

Trans Union has a block on my file as I am not able to get my latest credit score or report through any credit monitoring service. My fico, XXXX credit works and smart credit build are all stating Trans Union has my file blocked or on a XXXX  hold to prevent my credit score or report from being accessed.