23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This student loan originated XX/XX/1996, original amt was {$38000.00}, it is an FFELP consolidated loan, I was a student then and my husband had graduated and we got call after call about reconsolidating our student loan debt, locking in interest rate ( 9 %- which may have been decent back then ), eventually we did consolidate. Since then, it has been a LIVING nightmare. My husband has a XXXX XXXXXXXX, is currently on complete XXXX, we had to place loan in deferment/forbearance at times when he would be hospitalized. Fast forward to current, HIS original principle was d/c years ago based on his being XXXX, but I have now been assigned full burden of this loan and EVERY year I fill out my IDR application and Navient literally does not process my application in a timely manner, there are numerous obstacles thrown up by them which takes ALOT of time to deal with as it is almost impossible to speak w/anyone who can actually help, I have to escalate to supervisors and often times NEVER get the call back that I was promised ... I document EVERYTHING. I am a registered nurse so I know how to document and I do so thoroughly. I have been told that nobody can touch this loan - meaning I can not consolidate its ( I think now I can under the new rules? but I was advised NOT to because my payments start over ), Navient has put my loan into forbearance WHILE THEY PROCESSED THEIR OWN ERRORS ( I start the IDR application at least a month and half before it's due - and it NEVER FAILS to go passed the deadline because of THEIR ERRORS ... .my time has been reset and my payments set to zero toward the 120 payments, I have always made my pmt 's even when in the forbearance THAT THEY HAD TO PUT IT IN DUE TO THEIR NEED FOR MORE TIME TO PROCESS - BASED ON THEIR ERRORS- and I'm told that it's just tough luck, nothing can be done about that... there is nobody that I can speak with about it, it is literally SO WRONG and I can not imagine ILLEGAL at this point. My loan did not qualify for XXXX forbearance nor any Covid assistance plan, I have made my payments on time through both while other loans allowed no payments and/or froze interest accumulation ... .I have ALL OF THE DOCUMENTATION to support my claim and I am 100 % wanting to do whatever I have to to see what can be done for my loan/situation but also to prevent this from ever happening to anyone else. This has caused me SO MUCH STRESS AND XXXX  over the years- I'm done playing their game. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has send me a letter confirming that my account with the credit union is now reflecting my updated balance after payment. Unfortunately Experian and XXXX has not updated my credit report. This has caused my credit report to be inaccurate.
Product: Credit reporting

I sent Transunion a copy of a settlement agreement between myself and XXXX where XXXX agreed to remove all XXXX cards from my credit report. Transunion has refused to do so. They are now reporting XXXX as having XXXX missed payment, from an account that 's not supposed to even be reporting. XXXX is also reporting again when both the Consumer Financial Protection bureau and Transunion have a copy of the settlement agreement. These accounts are not mine. XXXX is reporting and this is an account I neither opened or authorized. Finally, there are XXXX fraudulent credit inquiries reporting on my credit that should n't be there. I sent in the required, notarized statement that these are unauthorized inquiries as well as a police report, yet they are still reporting these inquiries. They are as follows : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free credit report on XXXX for all three agencies. The XXXX loaded fine and I saved it. However, the Equifax report failed to load and the XXXX report did n't load properly in my browser but reloading the page requested the report again. The second time it said my request could not be honored and I had to request it by mail. I called Equifax to order the free annual report but the automated system wanted to charge me since I requested the report online, even though I never received or viewed it. The XXXX website to request a report did not work when I tried to submit documentation for a report by mail.
Product: Debt collection

Transfinancial Companies has failed to VALIDATE account. This is a medical collection in which I am not aware of, and I want it removed from my credit file. I have filed a complaint with the better business bureau on XX/XX/XXXX, and their response was our records indicate that we received your request for validation. Our office researched and validated your account on XX/XX/XXXX to the address on file. That is not true. I have never received any validation with my signature on anything. 
I sent in a dispute in XX/XX/XXXX and requested that they provide me with documentation with my signature that was signed to VALIDATE that the debt is mine along with a signed HIPAA consent to release my medical records, and I have yet to receive the documentation Ive requested. Sending an itemized bill isnt a VALIDATION of debt. Transfinancial Companies is practicing illegal debt collection tactics and is causing tremendous harm to my credit report. If they do not delete this inaccurate information from my credit file I will pursue legal action against this collection agency.
Product: Money transfer, virtual currency, or money service

XXXX XXXX morning at XXXX am Venmo sent me an email saying my account was frozen. The night before friends and family all made donations or gifts to me for assistance in getting through until I take my XXXX XXXX XXXX in XXXX. All day XXXX  I have tried to get answers as to why my account was frozen and I couldn't access my money, to no avail. My emails went ignored, to which I sent many because my rent was due that day. And now because of Venmo I have incurred late fees for my rent and may be at risk of XXXX. I also called customer service a number of times and they did absolutely nothing but read a script to me. Venmo asked Me to upload a picture of my ID in their initial email informing me my account was frozen. The issue was my ID is expired, but I have paperwork ( temp ID ) from XXXX showing my new ID is on the way. When I spoke to a supervisor at XXXX she told me it would be fine if I uploaded what I had from XXXX and my expired ID. I even took the extra initiative to upload my husband 's ID as he has received payments on my venmo before. In my opinion Venmo with holding my assets from me is in violation of the Federal Trade Commission act section XXXX, under the basis that Venmo has represented, directly or indirectly, expressly or by implication, that money credited to a consumers can be transferred to an external account. And in my instance Venmo has failed to disclose or adequately disclose my funds could be frozen, this information would be material in my decision to utilize the Venmo app. Which is a deceptive act or practice. I could also get into the fact that they are not legally allowed to without funds that are rightfully mine without clear and concise reasoning, and proof of wrongdoing, of which they have none, because I have read their XXXX  and have done nothing to violate them. I also keep getting diffrent time frames from them ranging from XXXX day to XXXX days. None of which I have time for. I have bills that need to be paid.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. 

I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

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

Hi I am submitting XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

I am enrolled in the XXXX XXXX XXXX XXXX program. For the past XXXX years I have been certifying my employment, annually, with my qualifying employer. As required by the XXXX program, I have now completed over XXXX months of work at my qualifying organization. My loan servicer, Mohela, has verified XXXX of those payments. 

Now that I have literally only XXXX payments for them to verify, Mohela claims that it will take them well into the summer to verify these payments. I find this completely unacceptable, especially as Ive been diligently verifying these payments over the past XXXX years, being told each year that doing so would help my loan servicer process everything faster at the end. 

Whats worse, because of the XXXX law, I have to stay employed at a qualifying organization not just while making the XXXX payments, but also until those payments are reviewed and forgiven. I am therefore completely at XXXX whim until they decide to review and process these XXXX simple payments, which as they claim could take well into the end of summer. 

This timeline is ridiculous ; Mohela is putting my life, and the lives of thousands of others engaged in this process, in complete limbo, XXXX and waiting, hoping, for them to speed things along.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
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 Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Product: Debt collection

In XXXX  XXXX said they had to charge me for a new phone when I had my phone number fraudulently stolen from me and I needed just a new phone number to be connected to my old phone. I received no new phone. The manager of the store at the time said the fee could be removed later. He then told me on another day that I should call customer service to remove the fee. Customer service told me I had to go to the store. I argued with XXXX for months and they would only let me leave continuous voicemails for the fraud department. I had to leave it alone. I refused to pay $ XXXXsomething that I never owed, for a phone I never bought and was never given. This debt was bought and sold debt at least one other time over the years. As of this date, it has been almost exactly 7 years since this was charged to me from XXXX. This new company, Jefferson Capital Systems LLC, charged this to my credit XXXX. This should be illegal. This debt is XXXX years old. It was fraudulent to begin with. The feedback about them is abhorrent. You really need to look into this company.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I converted approximately {$100.00} of USD into DAI stablecoin. On XX/XX/XXXX, I withdrew {$11.00} worth of DAI from my Gemini account. Shortly after that transaction occurred my account was restricted and all of my crypto assets locked. I've been prohibited from withdrawing, selling, or trading any current crypto assets, including converting my remaining DAI back into USD. I'm only allowed to withdraw the fiat currency that remains on my account or buy more crypto. 

No explanation was given for this restriction. No timetable was offered on when this restriction will be lifted or what actions I could take to lift it myself. I have twice contacted Gemini support through email, which was the only method offered from their support page, and have received no response other than their automated system saying they received my request. I also sent a direct message to their Gemini support account on XXXX and called their phone number. I have yet to speak, chat, or communicate in any way with an actual person from their company. 

Due to the numerous complaints about Gemini I've seen online on sites such as XXXX and XXXX, I've decided to file this complaint with the Consumer Financial Protection Bureau rather than wait any longer for Gemini to respond to my emails. 

If there's a legitimate reason for this restriction, it wasn't given to me. There is no logical or legal reason I can think of for them to restrict my account. My account is verified and there's nothing pending with regards to my identification. These assets are rightfully mine and have been paid for legally with my own money. I should not be prohibited from withdrawing, trading, or selling them.
Product: Checking or savings account

On XX/XX/2023 I opened a dispute via telephone with Chime Support regarding a transaction from XX/XX/2023 for {$410.00} with the merchant XXXX after unsuccessful attempts to resolve this matter with the maerchant after receiving a suit that was late, dirty, and not as described. I sent the photo evidence of all these issues with very detailed documentation to prove this along with a description from the website confirming that the suit was not as described along with email correspondence. Chime who actually isnt a bank failed to investigate this matter properly and claims that there is no way to speak with the specialist who is handling the dispute. I sent multiple pieces of evidence in which I feel was ignored as there was no confirmation or any communication from the special team handling the dispute. Chime has a history of shady practices as well as not handling disputes properly or even investigating them. This situation is really stressful as the bank is supposed to prevent merchants from committing fraud by sending customers items as not described and getting away with it. Chime didnt handle this dispute properly and failed to provide whatever bogus information they used for decision which was requested verbally and in writing. I requested for an appeal with a different agent as this dispute was not handled properly and no one reached out to me as they are letting the merchant get away with sending me an item not as described. The dispute is not about any errors or not receiving the item. The problem is the suit was not as described and has been a waste of my money and time. The merchant agreed to pay the invoice to have the suit tailors as I am not able to fit or wear the suit as sent to me as it was not made as described which was exact fit perfect custom bespoke suit to my measurements which is not what I received which Is why I can not wear the suit as sent and as of this complaint this matter has not been resolved as the merchant has not responded when sent the invoice that they agreed to pay and I also offered to ship the suit back for a full refund but the merchant has yet to provide a shipping label. Also per XXXX, the merchants website has been taken down due to XXXX investigation into their business practices. This matter is unresolved and chime has not handled this matter as it should have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Chase Auto Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Product: Credit card or prepaid card

Capital one credit added multiple credits then double or multiple charges to my account internally. When I spoke to a supervisor about it yesterday he told me that they have evidence that I went to Mississippi gave XXXX XXXX my Credit card and drivers license and got a rental car, and because of this they are denying my fraud claims. I got off the phone wit him and called the XXXX XXXX he specified on the phone call, they said they had no record of me renting any car from them. I recorded the entire conversation with the reps from Capital one credit and with XXXX XXXX car at the Mississippi location specified by the capital one Supervisor named XXXX : XXXX : XXXX Capital one has a habit of lying, I noticed this for a long time but finally decided to make note of their actions and behaviors, as they are unprofessional and untrustworthy. 

I have also attached other issues with mas crediting then mass charges that disrupted my credit score and credit due to Capital one credit.
Product: Debt collection

I sent a Debt Validation letter via postal mail that was dated XX/XX/2019 to Security Credit Services. It is now XX/XX/2019 and I have not received anything Validating the alleged debt that they have listed on my credit report. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation. This collection account is 100 % not mine. It is showing a debt from XXXX XXXX which is a place that I've never heard of. I have been a victim of Identity theft and this account should be removed immediately.
Product: Mortgage

On or about  XXXX / XXXX / 17  I started investigating an IRRL. I scanned and sent info to start the process. After a couple of days I was told by the Rep that I would have to get a  XXXX  acct to get the lowest rate. I sent a msg on  XXXX / XXXX /   17  that I was not going forward with this. I received a msg to do an  XXXX  which I did not do.   XXXX   XXXX    env elope postmarked  XXXX / XXXX / 17  with notice dated  XXXX / XXXX /   17  that our credit had been pulled came in the mail while we were out of town the week of  XXXX / XXXX / 17 .   I see two things wrong here. Telling me to get the lowest rate I had to open a  XXXX  acct and pulling my credit before my consent.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the inaccurate and misleading information appearing on my credit report regarding the XXXX, XXXX, and XXXX XXXX XXXX accounts. I demand an immediate investigation and correction/suppression of the following discrepancies, as they violate Metro 2 compliance guidelines : XXXX ( Account # XXXX ) : XXXX. Inconsistent High Credit Reporting : The " XXXX XXXX  '' is reported as {$6100.00} ( XXXX, XXXX ) but {$5300.00} ( Equifax ). 
XXXX. Conflicting Comments : Remarks such as " Credit Card Amount in XXXX XXXX is Credit Limit '' do not align with reported data. 
XXXX. Late Payment Reporting Ambiguity : " Was 30 Days Late XXXX Time '' is unsupported by a detailed payment cycle. 
XXXX ( Account # XXXX ) : XXXX. High Credit Reporting Errors : " XXXX XXXX  '' is reported as {$11000.00} ( XXXX ) but {$0.00} ( Equifax ). 
XXXX. Date of Last Payment Conflict : The " Date of Last Payment '' differs across bureaus. 
XXXX. Late Payment Mismatch : " Was 30 Days Late 1 Time, Was 60 Days Late 1 Time '' conflicts with " Current '' status. 
XXXX XXXX XXXX ( Account # XXXX ) : XXXX. Inconsistent High Credit : " High Credit '' is {$4600.00} ( XXXX, XXXX ) but {$4600.00} ( Equifax ). 
2. Late Payment History Conflict : " Was 30 Days Late 1 Time '' is inconsistent with " Current '' payment status.

3. Conflicting Comments : Remarks such as " Charge Account in XXXX XXXX is Credit Limit '' lack clarity and alignment with reported data.