23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, US Department of Education, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and shady. I can recall once I was in prison which was suppose to be covered under either forbearance or deferment but I was denied eligibility. The school is also saying I owe them for loans that were returned to the lender and I had to drop the class but still show in my balance. Something needs to be done about these predators.
Product: Checking or savings account

XXXX XXXX is XXXX XXXX of XXXX who steals money out of my accounts with duplicate authorizations. I divorced XXXX XXXX of XXXX who is President Clinton of XXXX XXXX XXXX XXXX Incorporated.
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX to remove a an inaccurate report from MoHELA about my student loan. On XX/XX/year>, my student loans that were managed by MoHELA were discharged under PSLF. The dispute report stated that the reported account was accurate and up-to-date, which is a lie. 

I appealed this dispute and provided documentary evidence of my loan discharge letters from FSA and MoHELA.
Product: Money transfer, virtual currency, or money service

I had a problem gaining unemployment funds from the state of Louisiana and after waiting over far over 60 days I finally was granted an appeal and it was decided that I was owed unemployment back pay for over two months. A sum over {$2000.00}! Finally Well, you can understand that I needed to pay my landlord from these funds when the 1st of the month came, so on XX/XX/year> I initiated a transfer from my unemployment card ( administered by US Bank as a debit card ) to send {$970.00} to my XXXX XXXX  account on my debit card, which is where I get my direct deposits from work without any problems. 

No one told me this bank card is firewalled off XXXX and prohibited from contacting my bank account associated with my XXXX debit card account. I have followed every procedure, nothing is mysterious about this failed transaction but US Bank is dragging their heels in reversing the refused transaction. 

I have done the tracing number routine w/ both parties. XXXX has never seen the money on their money transfer docket. I certainly never saw a cent from this attempted transaction. The money went exactly nowhere. There is no compelling reason why US Bank can not just reclaim my {$970.00} as I began the transfer on a Monday morning, XX/XX/XXXX and here it is 28 days later on a Monday, XX/XX/XXXX and US Bank has not reinstalled my missing {$970.00} This is completely unacceptable! US Bank said last week that they would need to conduct a XXXX day investigation of where my funds went. This is the dumbest, most outrageous laziness & obstinance I have ever encountered. 

It isnt my fault that, for whatever reason between XXXX and the XXXX of Louisiana that unemployment funds may never be transferred between these two financial entities. Nothing dreadful or scheming happened, and after a month ( especially since the state of Louisiana screwed up my initial unemployment funds resulting in back pay of over {$2.00} to begin this problem! ) I deserve my {$970.00} put immediately back into my US Bank card!
Product: Checking or savings account

My account with  XXXX   XXXX  balance wa s discharged in a Chapter   XXXX  Case #  XXXX  filed   XX/XX/XXXX  a nd converted to a Chapter  XXXX   XXXX  filed   XX/XX/XXXX . T o date   XXXX    Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i sent a letter requesting investigation for inaccurate account showing on my credit report. I didnt receive a response so i sent another letter on XX/XX/2020. I still haven't received a response and those inaccurate unverified accounts are still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Utilization Amount on XXXX Account Dear Sir/Madam, I am writing to dispute the accuracy of the utilization amount stated on my XXXX account XXXX The incorrect utilization amount has caused several negative consequences, affecting both myself and authorized users associated with the account. 

Account Details : Bank Name : XXXX Account Number Ending : XXXX Disputed Information : Inaccurate Utilization Amount : {$3500.00} Explanation of Dispute : Upon reviewing my account statement, I noticed that the utilization amount reported by XXXX is significantly higher than the actual utilization of the account. The reported utilization amount of {$3500.00} does not reflect the true utilization, as the account has been responsibly managed and the actual utilization is significantly lower. 

This inaccuracy has had a detrimental impact on various parties associated with the account, particularly authorized users who have experienced negative consequences due to the inflated utilization amount. This includes potential negative effects on their credit scores and the ability to access credit, despite the utilization being inaccurately reported. 

I have contacted XXXX directly to address this issue, but they have been unresponsive and have not taken any action to rectify the situation. I have also submitted a written dispute to XXXX, providing evidence of the accurate utilization amount, but they have failed to make the necessary corrections. 

I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter and ensure that XXXX corrects the inaccurate utilization amount on my account. I request that an investigation is conducted to verify the true utilization and that appropriate actions are taken to rectify the reporting error promptly. 

I have attached supporting documentation, including account statements and any other relevant evidence, to substantiate my dispute. If further information or documentation is required, please do not hesitate to contact me. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance in resolving this dispute and holding XXXX accountable for their inaccurate reporting practices. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2024, I responded to a targeted ad on my account login. I have a checking account and IMMA with Citi. The promotion was for {$100.00} with XXXX XXXX of {$250.00} for two months. I signed up in XX/XX/XXXX and had XXXX {$250.00} deposit XX/XX/XXXX and the second {$250.00} deposit XX/XX/XXXX. 

I have not received the {$100.00} promotion from these activities. 

I visited my local branch in XXXX XXXX, CA and my banker said that I was not eligible, but I did have a targeted ad and I did click enroll and the website did confirm that I had enrolled in the promotion. I also fulfulled the XXXX deposits of {$250.00} for XXXX consecutive months as was required. 

I will attach screen shots that I took on the day that I enrolled my account.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX XXXX It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my credit report. Since it has been over XXXX XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Debt collection

Lendmark financial keeps harassing me daily with phone calls and voicemails in regards to a loan for a repair that was never made. They even filed court action against me but didnt show up to court and non judgement suit was ruled in my favor. Yet even on weekends and holidays they are calling me still. They are a scammer company. Reviews from XXXX  XXXX  XXXX have informed me of other cases just like mine. I want them to leave me alone. Since XX/XX/XXXXthey will not stop calling me and its extremely disrespectful.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit agency continues to report XXXX being owed to XXXX XXXX XXXX which was purchased from original creditor XXXX XXXX. This has been removed from the other two credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX Spoke to a rep that stated if I paid the 7 year old account in full they would remove it. I have paid it in full and the account still remains active and derogatory .And to add to that it also continues to reports " FP '' ( failure to pay ) which is equivalent to a late on my report each month. It continues to bring my credit scores down and is damaging my prospects of buying a house. XXXX XXXX is a 7 year old account and should not be reporting late and incorrect information.This account has continues to change balances from month to month. There are 2 derogatory XXXX XXXX account reporting to my credit report. 

XXXX XXXX is a 7 year old account and should not be reporting late, and in error. 
I would like this account removed or all errors removed and updated from my account for the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my student loans are discharged ( forgiven ) by the Dept of Education as Im a XXXX   veteran ; however, no one will listen to me or honor the discharge confirmation official letter I received from the governments XXXX servicer, XXXX, stating the same. 

None of the CR agencies are honoring it and theyre all telling me that my disputes are unfounded and the student loan statuses will remain the same as before. 

This is a broken system!
Product: Credit reporting or other personal consumer reports

XXXX HAS FAILED TO REMOVE THE 60 DAY LATE FROM MY CREDIT REPORT. 
CBNA HAS FAILED TO REMOVE THE 60 DAY LATE FROM MY XXXX REPORT. 
XXXX AND CBNA HAS CAUSED ME SERVERE DAMAGE TO MY REPORT BY REPORTING LATE PAYMENTS DUE TO UNAUTHORIZED CHARGES. CBNA AKA BEST BUY IS AWARE THAT I DID NOT MAKE CHARGES TO MY CREDIT CARD HENCE WHY I NEVER MADE A PAYMENT. CBNA CONTINUED TO REPORT THE LATE PAYMENT EVEN WITH DOCUMENTATION TO XXXX AND MULTIPLE PHONE CALLS TO CBNA EXEC. OFFICE EXPRESSING MY CONCERN. XXXX HAS ONE 60 DAY LATE PAYMENT ON MY CREDIT REPORT. XXXX IS THE ONLY BUREAU REPROTING THIS INACCURATE INFORMATION DESPITE DISPUTING WITH THIS BURESU NUMEROUS TIMES. I WILL SEAK LEGAL ACTION DUE TO THE DISSTRESS OF THE INACCURATE INFORMATION. XXXX HAS EXPOSED MY INFORMATION IN A DATA BREACH. THIS HAS LEAD TO UNARTHOIZED CHARGES ON MY CREDIT CARD,
Product: Credit reporting

Transunion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Pervious deleted items were add back to credit report without written notice. Which is against the FCRA section 611.
Product: Debt collection

Midland Credit Management XXXX XXXX, was sent 2 negotiable instruments, one was received XX/XX/XXXX and credited on the account for {$3000.00}. They ( Midland Credit Management Inc., continued to send and call stating the debt was still owed. The instrument ( a bill of exchange ) was never returned. I sent another instrument ( bill of exchange ) for {$650.00} received XX/XX/XXXX, also credited on the account. They kept the instrument and continue to state the debt is owed. They have also reported to my consumer report on XXXX, XXXX and XXXX as in collections, further harming my credit score 15 U.S. Code 1692 - Congressional findings and declaration of purpose, ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns is reporting information on my credit report. I have asked for proof of the debt and they have failed to supply such proof. The account itself also has several inconsistencies that cause me to question the account. The high balance is inconsistent across the 3 major credit bureaus. The date of last activity is also inconsistent. If this were my account how can it be possible to have different dates of last activity. This account is reporting as a collection/chargeoff and there is a past due balance listed on the account but no one can provide proof. There are also differences in the date of the last payment made. I have written the company as well as the bureaus, however no efforts have been made to remedy the problem or respond.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Debt collection

I filed a complaint against XXXX/XXXX through this agency the case number is OMB # XXXX. I did get a letter from NES offering a co-borrower release for {$220.00} due XX/XX/XXXX they acknowledge that they are a debt collector then say that there is {$560.00} that I owe on the account. The letter they sent me is dated XX/XX/XXXX. I spoke to someone at NES last week and I told them that I wanted XXXX or NES to remove this account from my credit report because XXXX has never accepted that I had an agreement with XXXX XXXX to pay {$48.00} a month without having to bring the account up to date from when my nephew stopped paying for 7 months. My argument is that the account should have never been sent to a collection agency since I have been paying this account since XX/XX/XXXX. Why did XXXX think this account was not going to get paid? When did I give them an indication that I was not going to finish paying this account? Today I get a call from NES and it was the rudest call ever. The representative actually called my nephew a thief!!! What business does he have saying something like that. I am a XXXX, I am a law abiding citizen, I have done nothing but try to help my nephew get a career. My nephew fell upon hard times and did n't pay on his loan, I took over payments when I found out he was n't paying. I have paid for 5 years I am not cheating anyone! He had no right to accuse my family member of anything especially since I have been making payments. Yes, I paid the XXXX payment two weeks late but I also sent the XXXX payment a week early. My father died on XXXX XXXX he was sick on XXXX XXXX, I was n't thinking about student loans - should XXXX have assumed that I would no longer pay after sending in XXXX of dollars. Should I be punished with a bad credit report because XXXX felt the need to send it to an unscrupulous company that hires people that slander my family member because they really thought I would give up making payments? Something really needs to be done, this is abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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
Product: Debt collection

I have been called multiple times by a company claiming that my father is being sued by first national bank of omaha. I spoke to the bank and they told me that they have no lawsuit against my father. When the number called again I told them I spoke to the bank and the man on the phone threatened to prosecute my father who is currently sick.
Product: Credit reporting or other personal consumer reports

IT HAS COME TO MY ATTENTION MY PERSONAL INFORMATION HAS BEEN EXPOSED IN A NATIONAL DATA BREACH. AFTER REVIEWING MY CREDIT REPORTS, I NOTICED SOME ACCOUNTS THAT I AM NOT FAMILIAR WITH. I HAVE ASKED THE CRA 'S FOR VALIDATION OF DEBT HOWEVER THE INFORMATION HAS NOT BEEN PROVIDED. DUE TO MY INFORMATION BEING EXPOSED, I HAVE SUPPLIED A FTC COMPLAINT REPORTING THE INFORMATION I AM NOT FAMILIAR WITH. 

PLEASE FIND ATTACHED A COPY OF MY ID, THE FTC COMPLAINT, A COPY OF THE NPD REPORT SHOWING MY INFORMATION BEING EXPOSED IN A NATIONAL DATA BREACH AND A VALIDATION OF DEBT LETTER
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year>XXXX  My correct Social Security XXXX My correct address is : XXXX XXXX XXXX Unit XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I received a letter from Vanguard , Inc. stating that they were going to transfer my Investor Shares in the XXXX XXXX XXXX XXXX to XXXX XXXX in the XXXX XXXX XXXX XXXX. I called them on XX/XX/XXXX and told that I did not want my shares transferred. They did so anyway. I wrote a letter of complaint, but they would not return my shares to XXXX XXXX which I purchased earlier this year. This is fraud. I complained to the XXXX, FTC, and econsumer.gov. Vanguard responded to the complaints with letters. They are attached. They state that they transferred my shares without my permission because the expense ratio was less. I do not care about the expense ratio. I purchased {$3500.00} in investor shares earlier this year and I want them returned to the investor shares.
Product: Debt collection

We, vacated our apartment and made a formal complaint regarding safety issues to the management team. Despite their awareness of the issue, we later received a collection notice. 

Upon receiving the notice, we promptly sent a letter via certified mail to dispute the information. Instead of addressing our dispute, we received a response that only included a balance due and a copy of our signed lease, completely ignoring our initial dispute. 

We sent another dispute letter, which was again ignored. Subsequently, the disputed debt was reported to our credit report. At that point, we sought professional assistance. Our representative contacted the company, highlighting several violations and requesting a resolution, including a settlement and removal of the disputed information from our credit report. 

The company refused to remove the information from our credit report, stating they do not accept " pay for delete. '' This refusal did not address the fact that our right to dispute the information had been ignored and that the reporting was false.
Product: Credit card

I activated a credit card offer with my Freedom Flex card from JP Morgan Chase and never received the advertised credit. I followed all instruction, activated the offer beforehand, and made a significant purchase believing I'd receive credit back. The exact language of the offer was that purchases made with this merchant would receive 10 % back as credit to my account balance, up to XXXX dollars. From my purchase, I should have received {$33.00} back as my purchase was for XXXX. I've been on and off the phone almost every other week since mid XXXX and it is now XXXX. 

Chase has refused to provide me the credit and hasn't honored their promises to follow up via phone call or even come to any resolution at this point. At first, they asked for a receipt and screenshots of the offer. I provided them this information and then their story changed to " we can't see offer details at all on our side ''. If they can't see these offers, why are sending them to customers and then not honoring them. 


Transaction Date : XX/XX/XXXX ; Posted : XX/XX/XXXX Phone Calls ( XXXX have missed a few in XXXX ) XXXX ( roughly ) : First attempt and they told me to wait XXXX business days XX/XX/XXXX or XX/XX/XXXX : I called and they told me they would fix it. 
XXXX : Received a letter saying no. I called back and they told me it was submitted wrong on their end. 
XXXX : I called again and a representative told me all previous representatives had filed everything incorrectly and would create a new case on my behalf and to give them XXXX business days. I was told I'd receive a call back. 
XXXX : After no updates, I called in. The representative told me they would need proof of the offer. They told me to send it in via secure message which I did following the phone call as I'd screenshotted it and also supplied the receipt. 
XXXX : I received an email saying they couldn't complete the request. I once again called in, and had the rep link the secure message to my case. They told me XXXX business days and they would call me & send a letter. 
XX/XX/XXXX : I called again after no updates following XXXX business days. I was told the case was denied, but they would reopen it again. The rep assured me I would get a personal phone call within XXXX business days. 
XXXX : After still no response, I called Chase today. The rep told me the case is still pending on their end, and nobody has looked at it yet. He also stated it's the same team that denied it earlier that was to look at it.