23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I co-signed my son 's student loan as a co-borrower or guarantor of his loan and the Massachusetts Educational Finance Agency ( MEFA ), without my knowledge, assigned me as the primary borrower. I am not the primary borrower, my son is. My son makes all payments of both principal and interest on his loan not me. By MEFA assigning me as the primary borrower all paperwork including IRS 1098E comes in my name and not my son 's. 
My son is due a {$490.00} refund on his federal income taxes from the student loan interest which he paid which he can not get because MEFA put my name as the primary borrower not my son. I did not sign up as the primary borrower and the IRS will not give him his refund because the 1098E is in my name and also say that I should contact the lender ( MEFA ) which I did multiple times and was told the only way to have this poor policy on their part changed is for my son to refinance his loan and we all know where interest rate have gone since this loan was applied for in 2019. The next time I called I was instructed to call their billing department and that maybe they could help me, which turns out to be XXXX XXXX XXXX ( XXXX ) billing and payment service company who MEFA uses whom I had already called asking why they kept sending the monthly bill to me and not my son. When I called XXXX I was told that I had to talk to MEFA and that is just how MEFA handles their loans and I do not think this is right. It is fraudulent to assign me as the primary borrower when i was the co-signee of the loan. 
I had my son sign up for autopayment of his loans plus a little extra principal every month to shorten the loan and pay less in the long run, to keep me from receiving monthly bills and to make sure that all payments were made on time to aid my son in developing some credit for future borrowing if needed. So XXXX and presumably MEFA knows that my son is paying the interest, yet the send the 1098E form in my name knowing that I don't pay the interest and have no right to claim my son 's valid deduction for the interest paid. 

So now my son and myself are stuck between the IRS, MEFA, and XXXX and they are all point to each other to have this issue resolved and get my son the refund he is due. I believe that this poor policy by MEFA is just wrong and needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA 's. On XX/XX/2019, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Payday loan, title loan, personal loan, or advance loan

Ridiculous payments and nothing goes towards the principal it all go towards the interest. I was mislead and convinced that I would have cheap payments. Made XXXX payments and balance remained the same
Product: Credit card or prepaid card

I have an Amazon credit card which is serviced by Chase Bank. While I have my debit card set as my default payment for all purchases, the payment method for some of the recurring payment subscription services, including the Amazon annual payment ( {$130.00} set to come out XX/XX/2023 ), XXXX XXXX ( {$5.00} monthly XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX {$2.00} monthly, XX/XX/XXXX and XX/XX/XXXX ), and XXXX ( {$10.00} monthly, XX/XX/XXXX and XX/XX/XXXX ), were changed from my debit card to my Amazon Credit Card. There are no conspicuous disclosures on the site which notified me that the default payment method for subscription services would change from my debit card to my credit card. I was not expecting any charges on the Amazon credit card, and have incurred some late fees ( my fault- I should have checked my statements ). I'm more concerned about how the subscription payment method was changed without me noticing. I changed the subscription payment methods back to debit for the Amazon annual fee today, but several of the subscriptions were already showing that the debit card was set up as the payment method even though the credit card was charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021,, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX and XXXX XXXX -- Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against JPMCB regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 
On XX/XX/2023, I notified JPMCB that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non0verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that JPMCB has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This un-authorization sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this un-authorization sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that JPMCB complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by JPMCB. 
Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report via XXXX I saw this a lot of addresses reporting in it. I onced heard that this addresses may contain accounts that is not yours. Please help me get this removed. Thank you! Here are the addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Recently while cleaning old papers, I came across a check from Northern Trust for {$1100.00} that was sent to our address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and which was to be paid to the order of XXXX XXXXXXXX XXXX. The check was dated XX/XX/year>. There was no endorsements on the back of the check. 

Background : This was a bank to bank transaction. 
I had remitted the money from my XXXX XXXX XXXX account to my XXXX XXXX in XXXX. 
Based on my intuitive understanding, I think that this transfer went through Northern Trust which was an intermediary at the time. 
For some reason, Northern Trust issued the check to XXXX XXXX services but sent it to us. 
Unfortunately, we were busy with home remodeling at the time and did not follow up with Northern Trust to understand why they had sent us the check. 

We recently came across this check and as a follow-up, 1. I called the number XXXX XXXX XXXX XXXX provided on the check. It is a bill-pay support service. They could not provide any help. 
2. I called Northern Trust based on information from the web but I reached their investment arm. They could not help and the person I spoke with told me that he was not aware of any department within his company who dealt with such transactions. 

As the money has already been withdrawn from my account at XXXX ( confirmed ) and has not reached XXXX, I trust Northern Trust is still holding the {$1100.00}. 

Currently, I have no idea on who to talk or how to resolve the issue. 

I will greatly appreciate your help in resolving this issue. 

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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$29000.00}, ( Advised to include in Regular Letter ) XXXX XXXX XXXX Balance : {$3000.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
DPT ED/XXXX XXXX
Product: Checking or savings account

On XX/XX/21, I attempted to move two small ( < {$200.00} ) amounts from my CitiBank checking account to my brokerage account. These were processed on this day, but returned on XX/XX/21. CitiBank did not contact me about the transaction being returned. I only saw it later on my brokerage account transaction history. I was also charged {$25.00} for each of the ACH transactions being returned. I contacted my brokerage account and they told me that the fees were actually from CitiBank. 

On XX/XX/21, I contacted CitiBank 's customer support phone line to find out what was going on. After a few hours waiting on hold, I was told that there was a temporary hold on my account and that the " back office '' was completing a review on my account that would be completed in 24-48 hours and that they would call me back when the review was completed. 

After not having received any communication from CitiBank, I called them back on XX/XX/21. I was told again that the review would be completed in 24-48 hours ; I told them that was exactly what I heard a week ago, but they said they couldn't tell me anything further. By this time, I started having bills due that I could not pay because I could not access my funds. No one at CitiBank customer support would tell my why my account was under review or why I couldn't access my funds. Several attempts at trying to reach an agent ( after being transferred from someone else ) resulted in the calls being dropped while I waited.
Product: Credit card or prepaid card

In XX/XX/XXXX, I contacted American Express regarding my membership reward on an account that I have had with them since XX/XX/XXXX. I explained to the representative what I wanted to do with the membership rewards and he told me that my particular rewards program did not allow me to do what I was asking about which was transfer points to an affiliated partner. He at that point SOLD me on an additional credit card that American Express offers that I could do that with. I gave him the go ahead to open a secondary account with the understanding that I would be able to transfer the points to a rewards member. When I received the card, I called American Express to make that transfer and was informed that this new card did not allow what I specifically had asked for to do either. I spoke with a supervisor who was very apologetic and told me that American Express would listen to the recorded conversation as this is not their practice to open unnecessary accounts. She offered a {$200.00} statement credit, which I did receive, and led me to believe that American Express would be addressing the issue. She also discouraged me from closing the account. Two months have passed and I have not heard anything from American Express. I truly feel that I was fraudently led in to opening a secondary account under false pretense. 
I am not sure what if anything can be done but would appreciate some guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to this account XXXX  account # XXXX. There seems to be serval inaccuracies on this account between the three credit bureaus reporting. The credit bureaus stated my account was accurate but how could that be possible if the data last active is inaccurate, date last reported ins not accurate, and the length of the alleged delinquency is in accurate. This is grounds for removal. According to 15U.S.code 1681i- procedure in case of dispute accuracy. Also The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to highlight that a consumer reporting agency that does not implement reasonable internal controls to prevent the inclusion of facially false data, including logically inconsistent information, in consumer reports it prepares is not using reasonable procedures to assure maximum possible accuracy under section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

We have been trying to modify our loan with Wells Fargo for about 3 years. The reason we wanted to modify was because in 2012 I injured myself at work. Due to the injury I lost my employment. Wells Fargo made it almost impossible for us to qualify for a Modification it got so bad that we ( my sister and XXXX ) went to a Law firm. This Law Firm ( Law offices of XXXX XXXX ) essentially just took our money and essentially prolonged the inevitable. We still lost our home to foreclosure. Prior to hiring this phony law firm we almost got scammed to short selling our home through this company called ( California free Legal ). They impersonated my sister on the phone and started the paperwork though Wells Fargo to short sale my home. I found out about this because somehow my other sister was looking at houses and saw our home for sale. We lost a lot of money trying to save our home. What bothers me and seems suspicious is that we had submitted all the paperwork they asked for. We got in touch with the XXXX they helped us communicate with the bank, and helped with filing out all the requested documents. The sale date for my home was for XXXX XXXX. We faxed all documents form the XXXX XXXX office on Friday XXXX, XXXX the people from Wells Fargo said it took 48 hours to complete the review. Tuesday came and they still had n't finished reviewing it. I believe that they were stalling so that the sale of my home could take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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 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 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
Product: Credit reporting

Recently I have applied for an apartment, but have been declined due to wrong information in my Equifax file. There should n't even be an issue to begin with since I just turned XXXX and have yet to start establishing credit. So I called them to resolve the issue. They told me to fax them a copy of my Social Security Card and Valid ID so I did. They informed me it would take 48 hours to update. I called a day after it had been 48 hours to give them plenty of time to update my file. They then informed me that they have received my fax with my information, but have yet to update my file. Also, that specialty department that will update my information does n't take calls on Friday so I now get to wait until Monday to call them yet again since nothing has been resolved in the time frame they gave me.
Product: Money transfer, virtual currency, or money service

To whom it may concern, On XX/XX/XXXX, I made a payment that hasn't arrived from my business Mercury account to my Personal XXXX Checking account. 

Type of transfer : Domestic wire Date : XX/XX/XXXX Amount : XXXX USD IMAD / Tracking number : XXXX I have provided the IMAD number to the beneficiary bank ( XXXX ) and they haven't been able to locate it so the recipient bank hasn't received the fundsyet. 

The issuer bank says they can request a recall but they can't guarantee that the funds will be recovered. 

Best,
Product: Debt collection

I received a letter from the " Enhanced Recovery Company '', claiming that I owe XXXX XXXX XXXX {$110.00} this past XXXX. I was unsure of the legitimacy of the company which is the reason I have avoided direct contact with them. However, I recently viewed that this debt is affecting my credit as an open collections I owe. 

I have paid off all of my remaining balance with XXXX XXXX XXXX for internet charges back in Florida. I have also made a new account with XXXX XXXX XXXX for TV and internet since last XXXX and have made all my payments on time. They have never XXXX informed me of an old existing account that I still owed money for. Nor have they ever denied me as a customer for still owing a debt. I honestly believe XXXX XXXX XXXX would have easily found this debt of mine, if it was legitimate, as my full name would be on XXXX accounts. This is the reason I am claiming this debt to be completely false.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I called Experian because for a year now I have not been able to get my credit report or score online. I was told several times that I could not get my score or report because my identity could not be verified. I was not able to get it through XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, or any other scoring and reporting company. Each time I have applied for credit with a company that uses Experian to pull reports, I have been denied due to insufficient credit history. I keep getting the same issue and response about not being able to have my identity verified. Yet when the XXXX  breach occured, I mailed a letter with my verification documents ( drivers license and utility bill ) and received a report via mail with no problem. I would like this issue resolved ASAP as Experian keeps telling me they don't know what the problem is after I pass all of their identity questions on the phone. I mailed in verification documents again with a letter stating the issue and that I am verifying my identity. The issue has not been resolved. I applied for a credit card with the XXXX XXXX XXXX XXXX in XX/XX/XXXX and with XXXX in XX/XX/XXXX and today ( XX/XX/XXXX ). The response was denied from all creditors because of insufficient credit history with experian. I have had credit since XXXX when I turned XXXX XXXX XXXX. I have XXXX  years worth of credit history on my report with all XXXX bureaus.
Product: Vehicle loan or lease

XXXX My XXXX auto pay draft always goes out on time!! Citizens Bank somehow told me I missed a payment and charged me a late fee. I wasnt late as it was their problem they didnt get a payment. I was told by a banker at XXXX there is a number that all financial call for routing?? They never seemed to call. If they charge {$9.00} late fee to one million customers they get XXXX XXXX dollars!! I think they need audited and fined like you guys did in 2015. They are trying to use a glitch to get revenue from customers. Also their account fees are high. I never got {$300.00} to start with my new account?? They wanted XXXX and I dont want an IRS audit on a big transfer!! Thanks!