23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I started attending the XXXX XXXX XXXXXXXX in XXXX of XXXX and took approximately XXXX credit hours of instruction towards my Bachelor 's ( Even though I had XXXX credits from previous universities ) and another XXXX credit hours of instruction towards my Masters of Information Systems degree/certificate. I pursued this education option with the expectation that upon completion I'd be able to make enough in salary to comfortably pay back the money borrowed for education. The costs of attending XXXX XXXX XXXXXXXX seemed reasonable but little did I know this loan would balloon in to over {$200000.00} debt and continues to go up even though I have been faithfully making payments on time since XXXX of XXXX. During this time my student loan payment amount has increased from {$530.00} to over {$770.00} a month and is due for another increase in XXXX weeks!!! This is more than I pay in mortgage payments. I was forced to file bankruptcy just to keep a roof over my head. I am filing this complaint as I have recently learned that XXXX XXXX XXXXXXXX and/or Navient loan servicing have been found to have participated in unfair lending practices with these for profit institutions of higher learning even though they never advertised the " for-profit '' portion of their services. My original loan amount of {$66000.00} now has a current balance of {$180000.00}!!! And the account shows another loan with a {$6300.00} original balance that now has a balance of {$13000.00}!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card from XXXX and was approved. They used Experian. As the rate seemed high, I decided to check my report. They have a section called " Get a quick view of what lenders see. '' It reflects my overall credit usage as 240 %. Credit used is showing as {$3500.00} and credit limit of {$1500.00}. The {$3500.00} is the remaining balance of my XXXX XXXX XXXX card I owe and am paying off ( I closed this card on XX/XX/2021 ). The credit limit on the card was {$6800.00}. The {$1500.00} is the credit limit for my XXXX XXXX card. I have a {$0.00} balance on this card. 

This is very deceptive to lenders because it doesn't accurately depict how I use credit. It doesn't take into account my {$6800.00} credit limit I had for the card and it makes it seem as if I am maxing out my cards, which I am not. It hurt my interest rate on the credit card I was approved for. 

I opened a dispute but I can't select that section so I had to select my XXXX account and type the dispute info. They didn't do anything about my issue. When I call the customer service number, I have to say I am a " member '' in order to speak to anyone. We should not have to be a member to view out credit report. They are just trying to avoid lawsuits by establishing an agreement. I have attached the portion of my credit report that shows the credit usage snapshot.
Product: Mortgage

see attached, Chase, send response to any CFPB inquiry by USPS to mortgagor
Product: Credit card

XXXX ) Regarding case XXXX and case XXXX I provided the response to discover indicating I do not recognize this charge ( please see attachment from the company where none of those are my initials ) Please remove charge and sent back to company as it is not my initials. I dont recognize the charge. 

XXXX ) Regarding case XXXX I do not recognize this charge either. 
Please remove and send back to the company. 

XXXX ) regarding case XXXX Discover requested me to provide contract where it shows the amount to the charged, contract was provided as the attachment shows. Please remove the charge as what I was requested showing the correct amount was provided and it is what discover requested from me.
Product: Credit card

I am writing to file a formal complaint against Chase Bank ( JPMorgan Chase ) regarding an unresolved issue that has caused significant distress and financial harm. Despite multiple attempts to resolve this matter, I have yet to receive the correct documentation I need, and the treatment Ive received from Chase has been horrendous. 

Issue Summary : On XX/XX/XXXX, I contacted Chase to request a letter confirming that I had closed two accounts with them in XXXX. This letter was required as part of a background check for a job I had applied for. Since then, I have been in constant communication with Chase, but as of XX/XX/XXXX, I still have not received the accurate information I requested. 

Chase has sent me multiple letters, but they have contained incorrect closure dates, misspellings, and incomplete information. Each time Ive called, Ive been told that the letters would be sent within 14 days, yet after more than a month, I still have not received the proper documentation. 

Specific Problems : Incorrect Letters : The letters Ive received contain the wrong closure dates and other errors, including misspellings and incomplete dates.

Failure to Meet Deadlines : Despite being told that I would receive the correct documentation within 14 days, I have yet to receive the accurate letters I requested. 
Inconsistent Information : Each time Ive called, Ive received different responses. When Ive asked to speak to a supervisor or someone in a higher position, Ive been told that no one else can assist me and that they can not expedite the process. 
Treatment Received : The treatment Ive received from Chase throughout this process has been extremely frustrating and unprofessional. Despite explaining the urgency of my situationespecially the impact it has had on my job prospectsIve been met with indifference, inconsistent answers, and a lack of empathy. Ive spent hours on the phone, only to be told contradictory information each time. Ive even been in tears over the phone, but Chase has failed to offer meaningful solutions.

Impact on Me : This ongoing issue has caused severe emotional and financial stress. As a result of Chases failure to provide accurate and timely documentation, I lost a job offer that I desperately needed to support myself and my daughter. Their failure to fulfill their obligations has now resulted in a significant setback for me and my family.

Request for Resolution : I am formally requesting that Chase be held accountable for their lack of action and the poor treatment I have received. I ask that the CFPB intervene to ensure that Chase sends me the correct letter confirming that my accounts were closed in XXXX, along with the appropriate settlement letter. Additionally, I request that Chase provides a clear and expedited timeline for resolution and that they address the unacceptable level of customer service I have received. 

I have attached copies of the correspondence and letters from Chase, along with a log of my communication attempts. 

Thank you for your time and attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Each year I submit an IBR request to my student loan company, American Education Services. Each year, they tell me it is incomplete because my spouse has not put her federal student loan data into the application. Every year she does. Then they take out an huge payment before it gets fixed. Last year, I got someone involved to deal with the situation. They have done the same thing this year. However, this time, the didnt approve the IBR for the same reason. We were on top of it and got it taken care of. I called and verified it was taken care of. My payment was reduced from the prior year and it was debited out of my account as such. Then, this month, they tell me my IBR was not approved for the same reason. They debited several hundred dollars out of my account that was unexpected causing overdrafts and not being able to pay bills. They tell me I have to resubmit the application for a third time. Yet, they have already approved the IBR plan as evidenced by the changed debit amount from my account for the lost year. I fell they are taking advantage of student loan borrrowers by losing information and telling me I have not done my due diligence when I have. I have done more than what is necessary to ensure my IBR plan.

In XX/XX/XXXX, I received a letter to reapply, which I did. My spouse completed her portion. Then they told it was too early. I did it again. My spouse and I entered our PIN numbers in the student loan database so they could have access to it in XX/XX/XXXX. OnXX/XX/XXXX, they stated that they sent a letter denying the request. The payment was too high. I told them they didnt calculate my wifes student loan information. I called and they said they didnt have access to my wifes student loans amounts. On XX/XX/XXXX. They told me to get it in and to call back that they received it. My wife completed the information and onXX/XX/XXXX I calle back to verify. I was told everything was done and my payments would be {$240.00}. This month they debited {$770.00} out of my account and told me IBR wasnt approved. However, my payments the year prior were around {$260.00}. They have now told me they are going to expedite another IBR request to the processing department. They are going to request a refund, which will take up to 30 days. In the meantime, we have bills to pay and no money to pay them. Further, other bills are being automatically debited for which I will receive more overdraft fees.

It is worrisome that I go through this every year with them. My wife has an XXXX XXXX and I have a XXXX XXXX. We dont have problems with her student loan company, just AES ability to receive and process paperwork.
Product: Student loan

I have a federal loan through Navient. I am under an IBR repayment plan where I am currently paying {$410.00} per month. On XX/XX/XXXX and XX/XX/XXXX, my bank received a ACH withdrawal request for {$2100.00}. Navient is closed for the evening, but the only thing that I can think of is that it is time to renew my IBR, and I have not received any notice from Navient that my IBR renewal was due and I updated my contact information XX/XX/XXXX. They did not call me when they tried to withdraw {$2100.00} from my account and it did not go through. Instead they kept trying to make a withdrawal, causing me to incur additional fees.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. These inaccuracies are negatively affecting my credit report. Despite my submissions, Experian consistently responds in less than 48 hours stating that the account is accurate and not providing me any evidence of a thorough investigation. I have submitted numerous complaints previously. From my understanding, this practice violates the Fair Credit Reporting Act 15 USC-1681i which mandates a reasonable investigation of disputes. Also, if any comments on my XXXX states that the accounts was previously disputed but resolved. Despite this, inaccuracies persist in the reported information, indicating that the data furnisher ( listed below ) did not properly investigate the dispute. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act, 12 USC-5536 ( a ) ( 1 ) ( a ) ( b ) as highlighted in the CFPB 's recent administrative proceeding File N. 2025-CFPB-0002 against them for similar violations. 

They have violated my rights under : 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report.

I request that the CFPB take immediate action to ensure that Experian complies with the necessary proof of investigation. Thank you. 

Accounts : Dates action was taken:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After having made all of my payments on time for a debt that was originally not even mine due to an error at a hotel I stayed at, XXXX XXXX XXXX decided to file my account for collections multiple times according to XXXX. 

On XX/XX/2021, I had called the XXXX XXXX Law Firm to explain to them that I am currently in a XXXX XXXX  to be XXXX XXXX XXXX XXXX  and XXXX XXXX and therefore asked to pause my payments. I was told there was nothing that could be done when I felt it was reasonable. I also was treated rather rudely and made to believe it was my fault to be XXXX and unemployed. 

After the call, I sent an e-mail to the lawyer in charge of the collection, XXXX XXXX He never responded to my e-mail to ask for further documentation when all I wanted was a pause for payment so I could resume once my income returned. 

This was highly unprofessional.
Product: Mortgage

I made an additional Prinicipal Payment to my loan in the amount of {$1400.00} on XXXX/XXXX/XXXX. The payment credited to the account on XXXX/XXXX/XXXX ( {$970.00} to principal, {$93.00} to interest, {$170.00} to late fees and {$190.00} to escrow ). The payment I sent along with a detailed itemized statement was to be applied as follows ; {$950.00} to additional principal, {$470.00} to late fees and {$15.00} to ISF fee. XXXX/XXXX/XXXX I called in and spoke with CSR who advised she would open a ticket to have the correction made. I was advised the correction would take 7- days. On XXXX/XXXX/XXXX the correction to my account had not been processed/updated so I called back and asked for a supervisor. I got XXXX who apologized for the issue however advised he would ensure the correction was made. He also advised he would credit my past due amount $ XXXX. I confirmed the amounts which should have been credited and he reassured me he would call me back with the next three - five days to confirm the adjustments to the account. I did not hear back from XXXX. XXXX/XXXX/XXXX I called back, asked for XXXX who was not available. The CSR transferred me to XXXX ( TX Callcenter ). It is my interaction with XXXX which is prompting my complaint. After being on the call for 15 minutes and 43 seconds with XXXX asking me the same question over an over again " do you want payment applied to XXXX or not XXXX that is all I am asking you " and me replying with " no, I have advised you this 3 time already '', she went on to advise me that she did n't need me to " break anything down '' for her as she was clearly able to see what should be corrected and told me to hold while she made the correction. XXXX indeed did not put me on hold simply muted her headset line, I XXXX and know the difference, and released the call without confirming or calling back to me as the customer to reassure me that the issue after ( 3 ) failed attempts would be resolved. 

It is currently XXXX My call with XXXX was released adversely by her at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion continues to report inaccurate information from merchants and medical and also XXXXXXXX XXXX XXXX  according to them they verified this inaccurate information, at this point i feel like transunion is conspiring with merchants and medical and XXXXXXXX XXXX XXXX to defraud me. please help me this matter
Product: Vehicle loan or lease

Once again, I have submitted a complaint about an issue that the company, Wells Fargo, has abjectly refused to address. Not one of my particular issues has been addressed at all. The company has communicated information about the wrong car, the wrong loan, the wrong amount and has completely refused to respond to any of these facts. I am not prepared to do anything until they address these issues directly. Details are attached here.
Product: Payday loan, title loan, or personal loan

To whom it may concern. We purchased a XXXX XXXX XXXX at the XXXX XXXX XXXX dealership located at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX  The phone number is XXXX XXXX on XX/XX/XXXX. I owned a XXXX XXXX   before and loved it and we are enjoying our latest purchase. However, the Sales Manager is the one who closed our deal. His first name is XXXX. The Finance Manager is XXXX XXXX XXXX. The deal was we traded in our XXXX XXXX XXXX with only 30,000 miles on it and XXXX and I, ( XXXX  ), agreed in addition that we would pay another {$4200.00} and shook hands. He told me that in order to get the best deal, we would have to actually finance {$7000.00} and we would get {$2800.00} back once the loan was funded. Thus, is the agreed upon price of {$4200.00}. According to XXXX, the loan was actually funded on XX/XX/XXXX. We received a check in the mail on XX/XX/XXXX for {$2600.00}. I immediately called XXXX to inform him that the check was {$200.00} short. He acknowledged there was an error on their part and would contact the corporate office who issues the checks of the error and have them issue us another check for the {$200.00}. He told me that if I had not received it by Wednesday, XX/XX/XXXX to call him. I actually gave it till Friday, XX/XX/XXXX. He told me there were steps the dealership could take to find out what the problem was and would call me back that afternoon. He did not. I have called him multiple times and so has my husband and have also left messages with XXXX the Sales Manager and to date, neither one of them or anybody else has returned any of my or my husband 's calls. I am attaching the document that they call a " We Owe You Owe '' stating the above information along with the check stub of the amount we actually received. We are incredibly upset what this dealership has failed to do. And I have no other recourse unless I want to file in small claims court. This could cost me more that I am already out. This is totally unacceptable and should be rectified immediately. I am making my payments to XXXX XXXX. If I owed money and did not repay it, I would be turned over to collections and have my credit rating ruined. I am appealing to somebody, anybody to handle this asap. We would both appreciate some intervention. For a dealership as large as XXXX XXXX, I can't imagine that this situation would be tolerated. Thank you for your time and attention in this long over-due matter.
Product: Bank account or service

I applied and opened a Citi Gold Checking Account that awards XXXX XXXX XXXX miles upon opening. After opening the account in XX/XX/XXXX I wrote to them to ensure that I would be receiving my miles. They told me that I would receive them on XXXX XXXX or shortly after. It has been over two weeks since the promised miles were supposed to be credited and they are still no there. After calling Citi they told me they had to do additional investigation despite me showing them the letter they wrote me telling me that I would receive the miles. Meanwhile they seem to always been on time when charging me the $ XXXX monthly fee on the account. No investigations needed as to whether they get my money, just when they owe me something. After googling this I have found countless others that have complained about Citi not paying them.
Product: Debt collection

I began my dispute with XXXX and XXXX pA in XX/XX/year> ( email communications attached ) I repeatedly spoke to them and requested full validation of this debt to include a transaction history for the last 6 months and proof that my security deposit was credited to this amount owed in the amount of XXXX as I never received those funds back from XXXX company. They never supplied anything proof of my communications will be attached. The last email I sent was for them to provide the request information or I file a complaint so they transfer it to Columbia debt XXXX who immediately slapped it on my credit with not providing the time to dispute which is against the law.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

Equifax refuses to remove the inaccurate information reporting to my consumer report. I have disputed the accounts multiple times an they continue to come back verified... how? No one has spoken to me about anything. They are reporting 4 derogatory closed accounts that are directly affecting my livelihood. And none of them are accurate. The CRA 's have a " DUTY AND GRAVE RESPONSIBILITY '' to report accurate information so says the laws that govern consumer reporting in title 15 ( i.e. FDCPA, FCRA ). My consumer rights have and are being violated by this financial institution and I want correction and compensation for their wrongs according to the law.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I changed my phone number and I was using a new device to access my Robinhood account. I wasnt able to get into my account and that fact I had a new number mad it almost impossible. I had to submit my drivers license and ID to prove that I am the person who owns the account. I have sent my ID via their app and also I was required to take selfies. I took several selfies that were not accepted by the app. I contacted Robinhood about the matter and told them what was happening. They are not helping me. I have been locked out of my account for 2 weeks an I am unable to manipulate my funds or stocks in Robinhood an I dont know what is happening. I am trying to get some help to get into my account so I can look at my stocks that I havent been able to check on for two weeks. The case number is XXXX
Product: Money transfer, virtual currency, or money service

Regarding Cryptocurrency Exchange : Coinbase , Inc . 
I have a long-standing account for investing various cryptocurrency with Coinbase. All assets were purchased through Coinbase with XXXX XXXX transfers. All accounts used to fund the purchase of assets on Coinbase are in my own name and linked to Coinbase. When attempting to send assets to my wallet off Coinbase Coinbase put a restriction on my assets not allowing me to send ( withdraw ) these assets. Chatting with their support team, they requested an additional verification process which I completed. Additional verification required me to take photos and provide front and back copies of state ID ( Driver License ) which was completed. Coinbase replied that for my protection they are restricting my access to send assets off of their platform for 60 days. No other information has been provided ; no reason has been provided. No updates have been provided on the restriction. I have completed all steps theyve asked. Holding these assets in a non-liquid form is causing financial XXXX for me and my XXXX and it appears Coinbase is leveraging my assets for their own gain. 
I assured Coinbase Customer Service that my transfer request was indeed me and that I understand the process. I verified my identity and intention to complete the transaction and that this was not fraud and I was not being coerced to transfer my assets. 

Here is the only message received from Coinbase : As the most trusted crypto exchange, Coinbase takes a number of steps to keep your account safe, and we actively monitor for unusual activity and scams that may affect our customers. Based on this monitoring, we are concerned you may have sent, or are trying to send, crypto to a fraudulent person or platform. 
Out of an abundance of caution and to protect you against potential loss, we have temporarily limited your ability to send additional crypto until XX/XX/2024. This restriction will be removed automatically as the set time period elapses.