23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022 I applied for a Chase Saphire XXXX Credit Card. There was some problem on the application and I had to call them on XX/XX/XXXX, but that day they approved my application over the phone. Before I received the card, I noticed that Chase was advertising a higher initial offer on the credit card than what they had agreed to give me, offering XXXX reward points instead of the XXXX they had offered me. So I immediately called and asked if I should be getting the XXXX. The customer service representative said she would file my request to get the XXXX and I would get a response within a few days via email. When I didn't get a response at all, I called again today to ask whether I should still be expecting it. I was told by a different customer representative that I would be receiving a letter via hard copy in the mail that would have me send in proof of the offer for XXXX and then I could return that proof to be evaluated for giving me the offer. Because the offer of XXXX is on the Chase website, I wrote customer service an email using their own internal system explaining the situation and sending them a pdf of their own website offer. I received a curt response saying that I was not eligible for the public offer and would only receive the original offer. I have gotten the " run around '' by chase customer service and received three different responses to my inquiries about their confusing and misleading advertisements. Because these business practices seem questionable, I have not yet used the new credit card and am considering just canceling and not engaging with them further, but allowing this type of anti-consumer behavior of engaging in defacto " bait and switch '' schemes on credit card offers seems likely to cause other consumers significant harm.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Student loan

XX/XX/XXXX To whom it may concern, I am currently enrolled in Public Service Loan Forgiveness program offered by the US dpt of Education. 

I have been working as a XXXX part time employee at XXXX XXXX since XX/XX/XXXX and also a XXXX part time employee at XXXX XXXX XXXX XXXX since XX/XX/XXXX in order to be qualified as a full time employee according to PSLF application up until the recent PSLF changes. Both my employers are non-profit organizations and I am still working at the same facilities.

The reason why I am writing to you is to file a complaint against MOHELA and to request help from your organization. My employment status for the month of XX/XX/XXXX is not being counted as an eligible payment for no valid reason. 

I have made numerous phone calls to MOHELA and spoken to many different representatives this year. I also have been sending them many emails along with documents showing proof of my employment, requesting correction. My first PSLF employment certificate for this year was sent on XX/XX/XXXX. Since then, I had to resend the PSLF employment certification forms on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as requested by MOHELA. 

Each time I contacted MOHELA about this issue of this year, they requested that I wait for XXXX, XXXX, and even XXXX days for them to re- process/review my employment certificates. This has been going on since XXXXXXXX XXXX XXXXXXXX, and it is now XX/XX/XXXX. So far, nothing has been corrected. 

I have been employed at the same hospitals since XXXX and XXXX. Nothing has changed with my employment status. Yet, MOHELA decided to not count my XX/XX/XXXX payment towards PSLF and has been ignoring my request to review.

I would like to formally file a complaint against MOHELA and am asking for your help to rectify this ongoing issue with MOHELA. Please do not hesitate to contact me if you have any questions regarding this issue. 

Sincerely,
Product: Debt collection

I am in a massive medical malpractice lawsuit with XXXX XXXX and therefore I will not owe these debts..There is a total of {$2200.00} that needs to be removed. My attorney is aware of these charges and said I will not owe them..so please remove these debts from my credit report. XXXX XXXX XXXX {$1200.00} and XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXXl {$280.00} and ARS Account Resolution {$190.00}. 

The accounts are with : ARS Account Resolution of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

JP Morgan Chase basically accuses me of lying about the procedure and the fact that we provided every single piece of documentation that they requested in a timely manner. I ( as well as the attorney that I was working with ) mailed everything piece of documentation that they requested and in a timely manner. They are also basically of accusing me of lying when I tell about a representative refusing to accept a temporary payment when I called to make one after making them for several months. 
I am completely XXXX at the defamation of character and the fact that they can XXXX us over and left us homeless by foreclosing and selling the house when the sale was supposed to be stopped and they sold it anyway and just get away with it. 
I have reported this matter numerous times hoping that someone will help obtain a satisfactory resolution and I will NOT stop reporting the matter here or with every organization that matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do no anything about this account with XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. I tried to have the credit bureau removethese multiple times.
Product: Student loan

The ECSI loan provider gave me a loan for XXXX with a monthly payment of XXXX per month for 10 years at 5 % interest rate. 
the file " loan details '' shows a screen shot of the loan details. 

When I calculated the monthly payment through a free loan calculator and through XXXX and by hand ( 3 different ways ) the monthly payment should be roughly {$25.00} The file " actual loan rate '' shows the monthly payment that this loan should be.

charging me {$40.00} instead of {$25.00} is only {$15.00} but if this is done to thousands of former students across the U.S then I believe that ECSI will potentially steal close to a million dollars over time from students.

But charging an interest rate of around 11 % but claiming to charge an interest rate of 5 %.

I have already reached out to ECSI about the over charge on my monthly payment but have had no response on XX/XX/XXXX. 

I felt obligated to share this information and so I have done so.
Product: Debt collection

I recently discovered a debt collection entry on my account that I did not authorize and have no knowledge of. This debt was never incurred by me, and I have not received any prior notification or documentation regarding it. I am requesting an immediate investigation and removal of this unauthorized entry from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax are reporting inaccurate and unlawful information on my credit report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies report do not look identical and are reporting a late payments for an account that does not belong to me, inquiries, address and name variations and employer that I did not authorize. 

XXXX, Equifax and XXXX are reporting inaccurate and unlawful information on my consumer report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies do not look identical. 

PUBLIC INFORMATION ERROR ( REMOVE ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX REF XXXX. THIS ITEM HAS BEEN DELETED FROM XXXX, XXXX AND XXXX BUT STILLAPPEARS ON EQUIFAX. 

FRAUDENT ACCOUNT ( REMOVE ) : XXXX XXXX XXXX OPENED XXXX. 
INQUIRIES NOT AUTHORIZED BY ME ( REMOVE ) : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX DEALER. INCORRECTADDRESSES ( REMOVE ) : XXXX XXXX XXXX INDUSTRIAL BV, XXXX, GA XXXX, XXXX XXXX XXXX, XXXX XXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX # XXXX XXXX TEXAS XXXX. 

INCORRECT EMPLOYER ( REMOVE ) : XXXX XXXX XXXXXXXX AND XXXX XXXX 15 U.S. Code 1681e - ( b ) Accuracy of report 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.

15 U.S. Code 1681a - ( 2 ) Exclusions. 
( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Mortgage

( This is a continuation of a COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX. ) I previously complained that Rushmore Loan Management Services continued to withdraw more than they were authorized to withdraw each month. After I complained to you, Rushmore Loan Management Services stopped withdrawing the unauthorized amount during the month of XX/XX/XXXX. However, in XX/XX/XXXX, Rushmore Loan Management Services began withdrawing unauthorized amounts from my bank account again. When my bank stopped payment on Rushmore Loan Management Service 's unauthorized withdrawals, Rushmore Loan Management Service retaliated by requiring that I only use certified funds to make future payments. 

In correspondence dated XX/XX/XXXX, Rushmore Loan Management Services stated they had records which show I authorized them to withdraw in excess of {$1000.00} from my account in XX/XX/XXXX, XX/XX/XXXX, and thereafter.
Product: Credit reporting or other personal consumer reports

Lexington Law has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Lexington Law, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Lexington Law has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Lexington Law inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

XX/XX/year> I received a new debit card from PayPal that I did not request. I called XXXX to report the fraudulent account. They were unable to connect this card to my actual PayPal account. They transferred me to another person who put a restriction on the card and reported it to their fraud team. They did not provide me with a reference number. 

On XX/XX/XXXX PayPal fraudulently charged XXXX {$100.00} charges and attempted nearly XXXX more of those charges before XXXX locked my card and account. The fraud was reported and a new card was issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX  XXXX XXXX Balance Owed : {$270.00}
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, l certify that l am permitted by FEDERAL and STATE LAW to file this dispute also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U S C 1001 Additionally these misstatements are punishable as perjury under 18 U.S C 1621 This collection found within my credit report are not related to any transaction that i made i am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods, services. or money and was successful in creating some accounts all are being investigated by the FTC
Product: Credit card or prepaid card

Last year I purchased exercise equipment from Sears. The salesman told me that I would get 6 month of interest free if I applied for a Sears credit card and used it for the purchase, so I did. I paid the credit card off in full within six months but I was still charged interest. This year I purchased tools from Sears and the Salesman said I could get the same offer ( 6 months interest free ) if I used my Sears credit card. Both purchases met the dollar requirement to receive this offer. I am currently being charged 26.74 % interest on the tools I purchased. I called the number on my statement ( XXXX ) and spoke with a Citi Bank Mastercard representative. She told me that they don't have that promotion and there was nothing she could do. I would consider this a UDAAP violation.
Product: Prepaid card

Venmo, i deposited. XXXX dollars i spend. XXXX at store they lock my card and said i can't get my money back for 180 days. i did nothing wrong. that is 6 months.
Product: Credit reporting or other personal consumer reports

Someone tried to apply a credit card on my name on XX/XX/XXXX. The credit card application went through XXXXXXXX XXXX for XXXX store credit card.
Product: Credit reporting or other personal consumer reports

Experian closed this complaint with the longest response yet that is completel nonsense and explained nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

This company calls my cell phone incessantly seeking personal information. I have never sought this company 's services ; I have no idea why they keep calling me like a stalker. Calls start at XXXX XXXX. ( note, I live in Arizona but have a cell number with a different area code ) and are received multiple times a day. In addition to numerous voicemails, I also receive texts. I am a licensed attorney and am aware of my rights under federal and state law. I have saved all evidence in order to pursue a TCPA or other consumer rights action against LoanDepot. I will likely file suit and seek to certify a class action because I anticipate that LoanDepot harasses others as well. I want calls, texts, and voicemails to stop immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear, XXXX, XXXX, and Experian I am writing to dispute several inaccuracies in my credit report obtained on [ date you obtained the report ]. This letter serves as a formal request for an investigation pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 
Account Information XXXX Account Number : XXXX Balance : {$2000.00} Status : Open Last Activity : XX/XX/XXXX XXXX Account Number : XXXX Balance : {$2000.00} Status : Closed Last Activity : XX/XX/XXXX Experian Account Number : XXXX Balance : {$2000.00} Status : Open Last Activity : XX/XX/XXXX Specific Inaccuracies Balance Discrepancy : The reported balances vary across the bureaus, creating confusion about my financial obligations. 
Account Status : The account status is inconsistent : " Open '' on XXXX and Experian, but " Closed '' on XXXX. 
Payment History : While I have consistently paid on time, several months in XXXX show " No data available, '' which misrepresents my payment history. 
Legal References Under 15 U.S.C. 1681c-2, a consumer reporting agency must block the reporting of information identified as resulting from identity theft within four business days of receipt.

15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) require accurate reporting, which is currently not upheld in this account.

According to 15 U.S.C. 1681, I have federally protected rights to privacy and confidentiality.

15 U.S.C. 1681b mandates that a consumer reporting agency can not furnish accounts without my written consent.

Request for Documentation I request that you provide me with the original copy of the agreement, along with the terms and conditions associated with these accounts. Failure to comply will result in the forfeiture of your claims and may require the deletion of the items listed above.

You are required to act on this matter and block these transactions from being reported to my credit file within four business days of receiving this notice.

Resolution If these inaccuracies are not resolved, I will seek damages of {$1000.00} per account under the FCRA. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit card

I had a Capital One credit card that had a balance of like {$2000.00} or something like that and this woman I was seeing said she needed to use my credit card to make a payment so she was going to pay off the balance on my card and then put the money which she did, my balance was XXXX  out and it said payment had gone through. So I was like okay cool. Three days later I get a report saying that the money has been with drawn or it didn't post so now I'm responsible for the XXXX  that was in there plus the XXXX  that this lady said that she was going to make her son 's college payment with or some XXXX  and Capital One did absolutely nothing to help I've never been so disgusted in my life.
Product: Credit reporting or other personal consumer reports

Inquiries - XXXXXXXX XXXX  Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) It is my belief and information, that these inquiries are a rush to judgement and is a violation of my constitutionally protected rights. Please validate this claim signed with a wet signature by a man or woman under penalty of perjury.
Product: Credit reporting or other personal consumer reports

Around XX/XX/2024 i called Equifax and XXXX about me not being able to view my credit Reports and Scores. i was asked to upload or send in a copy of my Drivers license, Social Security card, and a utility bill -paystub -insurance with the same address.I still never received any updates.
Product: Credit card or prepaid card

Applied for a XXXX XXXX to pay for emergency medical expenses. Never received a card and can not get any assistance from the company. Extra extra long hold times to only be disconnected. Tried chat help to constantly being told after 24hrs of waiting for a response that the information I put in isnt pulling anything up. Ive had the account since XXXX and still have not gotten any help. We had an emergency with our dog and their app refused to work to pay my bill because they never sent me a card but cant get anyone to help me not is there an ability to report or request a new card. As Im writing this now Ive been on hold attempting to fix this. They dont provide proper customer support to fix their problems. They try to convince you that chat is faster but the representative doesnt help at all because they never can seem to find your account and you have to wait 24hrs to even be told that, to wait another 24hrs for them to be upset with you because they cant do their one job.
Product: Student loan

Today I called navient my loan serviSer. I want to take advantage of the care act and get some of the money i pay to navient during the pandemic. They told me that my federal student loan are not covered under the care act because they own my loan. I asked them how is possible because I never received any notice telling them that my federal student loan was sold to navient. I only know that they are just the servicer of my loan. They told that now I am not even qualified for the student loan forgiveness. I am very confused now. They told me the only to get my loan under the federal government is to consolidate them. I know for a fact my federal student loans were consolidated when navient was sally Mae. I really dont know what is going on here. I have always my federal loan on time how come now I cant take advantage of the care act law now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan through XXXXXXXX XXXX and got a copy of report stating I have derogatory mark on my credit report and has been hindering me from getting a vehicle. They have violated my rights as a consumer with reports to these credit bureaus.. 

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any
Product: Credit reporting or other personal consumer reports

I allowed a Lender to pull a mortgage report on me, they used TransUnion. Within minutes I started receiving phone calls. I mentioned this to the loan officer who told me the report was pulled from TransUnion. A little later, I was emailed an " opt out '' link. Which I did complete. Apparently, they sell so many " leads '' so fast and " opt out '' is next to useless. I have to answer my phone, I can't just ignore it ... I could hardly work due to the amount of calls. I couldn't even tell you how may numbers I blocked, hung-up on, or deleted. Why wouldn't they have to get my permission to sell my information, before they invaded my privacy. This is abuse and I feel that some Federal Agency should look into this. I am very angry.