23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In the past my loan payments were being made through XXXX student loan services. About two years ago I received notice that XXXX was being taken over by XXXX education services. My loan payment is made quarterly and I've been making faithful and on time payments for about a year online at XXXX 's website. That last time I was able to make a payment was in XX/XX/2018 and I have the receipt of payment for that. In XXXX I noticed that I had not received notice for payment for my XXXX loan in sometime and went to the website so see about the loan. I received a message saying that the service that I requested could not be accessed at that time. I assumed it was an issue with the website. 
Here we are now, in XXXX, and I am receiving the same message. I called the company ( XXXX ) and received absolutely no help. Initially I called and was transferred to a 100 % automated " department, '' that did not reconize my SSN for logging in. I called back and was transferred to the " loans department '' where someone proceeded to tell me that I do not nor have I ever had an account with XX/XX/XXXX services. I have multiple student loans and I do not know which ones fell under XXXX services. She suggested that maybe it was a Perkins Loan and transferred me to that department. This was again a 100 % automated department that did not recognize my SSN or birthdate for logging in.

I called back and was told there was no manager to speak with and the " customer service departments '' that I have been previously transferred to was all that they had to offer. 
In short my loans are in limbo and no information can be offered by the company previously in charge of them as to where to make a payment. It frustrating because I don't want to default on a loan simply because a company has less than professional business practices. If it has to come to it I will definitely get a lawyer and take this problem up legally, because it is unfair to expect me to have to pay any outstanding charges being accrued at this time. I've looked online and have seen many comments and reviews similar to mine, referencing their experience with XXXX. It is my hope that something gets done about this and puts these crooks out of business.
Product: Credit card

During the month of XXXX, I made a credit application to the Chase Sapphire card, which was denied at that time because they could not validate my identity. Documents were sent for the validation process such as : PR Government ID, passport, and social security card. These documents were sent multiple times via a link I received via email. I had to make several calls to Chase 's security department until they were able to validate the documents and approved my application. In XXXX, I received the credit card. I tried to activate it through the website, but I could not. I contact the service department for assistance, when they ask me the security questions and I answer them, they tell me that they need to ask me questions related to the credit because they could not validate the identity. After answering all the questions, they told me that they can not give me any information about my account because they can not validate my identity. I asked to speak with the supervisor, after explaining to her, she told me that she can not give me information because I did not answer the security questions correctly according to them. I explained that I had problems with the application, and I sent my documents. After they were evaluated by the fraud department, they validated my identity and approved my application. I tried to tell the supervisor that I could send these documents back to her so she could help me, but she explained that it was not possible. My only solution was to stop by one of their branches with my ID so that a representative could validate my identity. I explain to her that I live in XXXX XXXX and there are no Chase branches here, that I need an alternative to resolve the situation and activate the card. He explains that this is my only alternative, so I decide to end the call. I received a bill for {$90.00} which is the annual fee, plus a late fee and an adverse credit mark for a payment not issued when Chase did not allow me to activate the card and as a result, I do not have access to the approved credit. My request is to cancel the credit card, remove the late fees and adverse credit mark because I feel discriminated against for not having the facility to go to one of your branches since there are no Chase branches where I live.
Product: Checking or savings account

I opened a business checking account with chase to use it for my rental income. I am XXXX XXXX XXXX and currently stationed in XXXX. I was meant to add a temporary address so I can receive letter mail for this account while I am in XXXX but I accidentally changed my permanent address in XXXX, I then went on XXXX for about 3 months. Chase contacted me back in XXXX but I wasn't able to get it and After I came back from my XXXX I got a letter in mail saying my account is getting closed. I then contacted chase explained that my permanent address is still in continental U.S, so does my business address as sole prop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$360.00} XXXX XXXX  XXXX Balance : {$460.00} XXXX FIN XXXX Balance : {$5000.00}
Product: Student loan

In XX/XX/XXXX one of my student loans went from around {$380.00} a month to {$740.00} a month. I called and said I ca n't pay this. They gave me 3 different options that I have not qualified for from XX/XX/XXXX to the most recent denial in XX/XX/XXXX. I told them I could do at most {$500.00} a month and there was no way I could pay the $ XXXX.I asked if they could work with me. I emphasized I did not want to stop making payments, I just could n't handle the amount they wanted me to pay monthly, they really do n't listen and no one even seems to know how to help me. I have been paying on these for ten years now and this is the first time I literally can not do anything about my payments. No one seems to know what to do except to send me forms. Also the emails they send you for the forms never link properly.
Product: Student loan

I have paid a total of {$1400.00} towards my student loans on MOHELA. Only {$1000.00} has been processed by them, and they claim to have somehow lost all my payment history. With the transition to MOHELA 's new platform website, they have failed to transfer any of my payment history over. I have attached the bank statements, as well as the MOHELA loan summary below proving my payments. 

Now, I have been in contact with them multiple times over the last XXXX  months trying to get them to resolve this issue, but I have been met with the most unhelpful, rude, relaxed customer service I've ever seen. The agents on the phone claim it will be resolved in the next 10 business days, but I have been waiting for XXXX  months! It sucks that I have to keep hounding them for something as simple as {$400.00}, but this is what I have to do if I'm ever going to pay off the rest of this loan. Keep in mind, my interest rate is climbing higher each month as I wait to hear a response from them. It's amazing these fools got chosen to handle student loans by the federal government! What a failure of a company! 

As a note, I would like to share that thousands of users on XXXX  have the same issue as I am. A quick XXXX search confirms this.
Product: Debt collection

This account is still being falsely reported as an XXXX  account.
Product: Debt collection

To Whom It May Concern, I am writing to formally lodge a complaint regarding persistent and unsolicited phone calls I have been receiving from DSR Holdings. Despite my repeated requests for these calls to cease, they have continued unabated. I am not the individual DSR Holdings is attempting to contact, and this matter does not concern me. 

The calls began on XX/XX/XXXX, with voicemails claiming to be verifying employment for an " XXXX XXXX. '' As I am not XXXX XXXX, I initially ignored the calls. After several days of receiving these calls, I returned one of them and informed a DSR Holdings representative that I am not the individual in question and requested that the calls stop. Instead of addressing my concern, I was hung up on. 

On XX/XX/XXXX, after receiving yet another call, I again reached out to DSR Holdings to request that these calls stop. I was met with a very rude individual who hung up on me. I continued to call back until I spoke with someone identifying himself as XXXX, who claimed to be the owner of the company. I expressed my frustration over the numerous calls I have received over the past few weeks. XXXX falsely asserted that they had only received the file last Thursday, despite the fact that I have voicemails dating back to at least XX/XX/XXXX from DSR Holdings attempting to verify employment. 

Additionally, my mother, who is also not XXXX XXXX, has been receiving similar calls since early XXXX. This widespread miscommunication within DSR Holdings is causing significant distress to unrelated parties. 

When I informed XXXX of my intention to file this complaint, he attempted to dissuade me, suggesting I report to the XXXX XXXX XXXX instead. His dismissive attitude and attempts to downplay my complaint were both unprofessional and unacceptable. 

XXXX also accused me of being a " telephone XXXX, '' claiming I had called " XXXX times '' that morning. In reality, I made a total of XXXX calls between XXXX AM and XXXX PM, out of sheer frustration with the ongoing harassment and the rude treatment I received from DSR Holdings representatives. This false accusation only exacerbates my concerns about the integrity and practices of DSR Holdings.

Furthermore, during my conversations with DSR Holdings representatives, they disclosed that they are attempting to collect a debt on behalf of Check and Go and revealed XXXX XXXX full date of birth. This disclosure was made despite my repeated assertions that I am not XXXX XXXX and have no connection to her. Such careless handling of personal information is both alarming and inappropriate. 

I have retained copies of the voicemails and call logs, which I can provide upon request, to substantiate my claims. This evidence clearly demonstrates the pattern of harassment and unprofessional behavior from DSR Holdings.

I request an immediate investigation into these practices and appropriate action to ensure that such incidents do not recur in the future. 

I am attaching my call log all of the XXXX numbers are the numbers DSR Holding has been hiding behind. 

https : //dsrholdingsgroup.com/ Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  THIS COMPANIES ARE VIOLATING MY PRIVACY RIGHTS BY REPORTING NEGATIVE INFORMATION TO A XXXX PARTY THAT IS EFFECTING MY FUTURE TO OBTAIN CREDIT, BANK ACCOUNTS INSURANCE, UTILITIES, THESE COMPANIES HAVE BEEN PAID IN FULL AND REFUSE TO REMOVE ALL NEGATIVE INFO.
Product: Mortgage

My mortgage servicing provider ( XXXX ) is supposed to pay my Hazard ( Homeowners ) insurance from an escrow account. My XXXX ( underwritten by XXXX  ) policy was going to lapse on XX/XX/XXXX if payment was not remitted. I followed up with XXXX at the end of XX/XX/XXXX and they indicated they had not received a bill for the insurance renewal. I contacted XXXX and they faxed the renewal bill to XXXX. On XX/XX/XXXX I  paid the insurance policy in full ( {$840.00} ) to prevent a potential lapse. On the same date, XXXX paid {$680.00} to XXXX from my escrow account. 
I have requested a refund from my escrow account for the partial unpaid amount.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santandar Consumser has incorrect information on my report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I must insist that you promptly eliminate any unsubstantiated assertions mentioned either above or below in your documentation. To be eligible to disseminate alleged information, you are required to satisfy the basic criteria. I categorically reject the legitimacy of any statements that lack verifiable evidence, even if they adhere to the requisite reporting protocols stipulated for certification. This includes adherence to the indispensable Metro 2 Compliance guidelines outlined by XXXX in their XXXX, which unequivocally declares that any departure from these norms poses a threat to the veracity of the data. Listed below are the Inquiries that are being challenged. 

XXXX - XX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX - XX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 credit files all with different social security numbers but similar names they keep merging all three files and any negative information removed is eventually returned back on the file. I have complained several times and nothing has been done to correct this issue. This has preventing me from being able to purchase a home. This has been going on for more than 3 years which now causing my credit score to be very low. I try and speak to a representative and they are very rude and say they will get back with me. I have sent in verification of my social security number and ID to prove who I am really is. But nothing is being done about this.
Product: Credit reporting or other personal consumer reports

Experian violated my rights under the XXXX XXXX XXXX by reporting negative transactions in my consumer report.At no time has he shown me any type of document that supports those negative transactions that are seriously affecting me. This is not the XXXX time I have to tried to resolve the matter. ( XXXX XXXX XXXX XXXX XXXX ) report number XXXX XX/XX/23 report number XXXX XX/XX/23 report number XXXX XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with  Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information  under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to  sue in the mail, because I will have no choice but to take legal action.
Product: Credit reporting

On XXXX XXXX I checked my credit report and all of my inquries were gone. I logged in today and they are back and my score went down,
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. XXXX. The inquiry was not authorized XXXX  Date of Account : XX/XX/2022 Please remove it from my credit report. XXXX XXXX XXXX Account Number : XXXX .Validate the late payments. I have never been late on this account. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

I opened a claim with Chase Bank against merchant XXXX  for item not receive. Shortly after this claim was open the item arrived. However, it was completely damaged packaged and the item itself was not included in the package. XXXX made note of the damages to the package. I called XXXX immediately to let them know of the incident, and I also updated Chase Bank as far as the claim however Chase Bank closed claim because the package was received not looking at the fact that I called to notify them that the package was received and it was damaged. XXXX then prompted me to try to close the claim with Chase so they could refund my account... Chase eventually denied the claim. I notified XXXX to let them know this and I got emails and phone calls stating that once the money came back to XXXX, they would be able to refund my account however since notifying them of the claim closure, I am getting no response at all when I call a rep says there was a problem with their finance department and that the money will be sent to my account soon I have followed up with Chase on a regular basis to see if that negative Amount had reversed so now I am stuck with a close claim. Chase close my account and I have a merchant who is no longer responding. I would like to reopen this claim and account that I have emails stating that a refund would fact be processed.