23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have currently been on hold with Mohela for one hour and 43 minutes. This is a common occurance. My issue is that I am full-class with XXXX vs XXXX, so my loans are approved for complete discharge. Yesterday Mohela sent me an email advising that I owe them almost {$3000.00} and it's due today. Sending me a statement and taking me out of forbearance is in direct violation of the settlement agreement. I am in forbearance and have been since XXXX due to borrower defense. Mohela has taken me out of forbearance numerous times and I have had to fight through long holds, being hung up on, waiting weeks for answers online and speaking with advisors who provide false information. Department of Education has sent Mohela the information, for forbearance, numerous times. I even have an email from Mohela stating I would be in forbearance until XXXX, due to my approved borrower defense application.
Product: Credit reporting or other personal consumer reports

I HAD CONTACTED TRANSUNION NUMEROUS TIMES REGARDING MY CREDIT REPORT ON XX/XX/2023 ON XXXX, XX/XX/2023 AGAIN ON XXXX ; ALSO I WROTE A LETTER REGUARDING THIS ISSUES THAT ARE AFFECTING MY CREDIT HISTORY. A FRAUD ALERT WAS PLACED ON XXXX, XXXX  AND AFTER THAT MANY IMQUIRIES WAS PLACED. THERE ARE 6 HARD INQUIRIES AND NONE ARE MADE BY ME. THAT IS AFFECTING ME DRASTICALLY TO THE POINT THAT MY SCORES WENT DOWN BY XXXX POINT .. AT THIS POINT I AM VERY DISAPPOINTED BY TRANSUNION THEY CLAIMED THAT THEY CAN NOT REMOVE NONE OF THE INQUIRIES WITHOUT ME GETTING A LETTER LETTING THEM KNOW THAT I DONT HAVE ANY ACTIVE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

This is my repeated attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the inclusion of any information in my credit record that resulted from a stated fraud or fraud, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a recurring problem with Experian, one of the three credit reporting agencies form which I am entitled to get a free credit report ( now weekly -- at least theoretically ) rather than annually through annualcreditreport.com. 

I've tried repeatedly to get a free credit report from Experian and keep getting the same vague ( totally worthless ) message telling me a " situation exists '' that does not allow me to get my credit report. But no information as to WHY. Completely unhelpful and just hitting a brick wall. NO resource except to complain to you, and wait 60-90 days. For a company that rakes in billions in profits each year ( much of it by selling my personal information to others without my authorization ), you would think they would invest better in technology that would enable them to be compliant with Federal law. Perhaps they think most people will just get frustrated and give up. 

I DO NOT want the company to send me a form requesting my personal information. I want Experian to FIX THE PROBLEM THAT IS PREVENTING ME FROM GETTING MY CREDIT REPORT ONLINE UPON REQUEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed some unauthorized accounts and inquiries. I since then contacted the company and was told what documents that needed to be provided to remove the unauthorized items. I have provided those documents but the accounts and some inquiries still persist. I am a XXXX veteran and I am trying to purchase my first home and would love this to go away fast.
Product: Credit reporting or other personal consumer reports

A company by the name of XXXX XXXX XXXX XXXX  is on my credit report & should not be. I feel XXXX, XXXX, & TRANSUNION put this creditor on my account without the proper research. Which is causing a negative impact on my credit report.
Product: Checking or savings account

For XXXX  BofA did not send my RMD for an inherited IRA from my XXXX  father. Now BofA is saying they can do nothing to adjust or correct this matter. This is clearly a BofA mistake............... We have received normal payments until now.
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 federally protected consumer rights to privacy and confidentially under 15 USC1681 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A States i have the right to privacy 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) section sates : no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

During the early morning of XX/XX/XXXX I was robbed, my phone stolen from, locked out of my apple account and left helpless by Apple as someone racked up thousands of dollars on my apple card via tap to pay at Apple stores. 

I initially submitted a claim to dispute these charges back in XXXX of XXXX, and my claims were denied in XXXX. In XXXX I then reasserted the disputes, and this time submitted the police report I filed the day of my robbery. 

On Thursday XX/XX/XXXX, XXXX large charges placed ( charges made on XX/XX/XXXX ) using my phone at an apple store were correctly reversed, but on Tuesday XX/XX/XXXX a charge for XXXX was deemed not fraudulent, with the investigation concluding that no billing error occurred. All XXXX of these charges were made at XXXX stores in a short period of time after I was robbed on the morning of XX/XX/XXXX. 

The charge ( XXXX ) I reasserted this week is another fraudulent charge in a string of fraudulent charges on my apple card that have been correctly reversed. 

On XX/XX/XXXX, XXXX concluded that my XXXX was stolen and honored the theft protection on my XXXX that was used to make these fraudulent purchases ( Claim # XXXX ). I could not have charged XXXX ( XXXX ) to my apple card via an XXXX I no longer had possession over. 

I ask you to please review this charge ( XXXX ) again as I did not make it and would like it reversed, attached below are pieces of information I am submitting as evidence I did not make this purchase. 

XXXX ruled again on XX/XX/XXXX this charge for XXXX was not fraudulent. It occurred at the apple store in XXXX New York on XXXX XXXX. I have reasserted the charge as of XX/XX/XXXX. The new dispute case number for this XXXX charge is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to complain about XXXX XXXX XXXX credit card for willful and wanton violations if the FCRA for failing to report updated data to XXXX since XX/XX/XXXX despite the fact that so have made monthly payments monthly. My XXXX attached copy of my credit report dated XX/XX/XXXX inaccurately fails to include my payments for XXXX XXXX XXXX XXXX XXXX etc. XXXX last updated my file in XXXX and my report shows No Data Available monthly since XX/XX/XXXX as clearly evidenced from my report. Since I made monthly payments XXXX violated the FCRA by failing to mark 6 months of monthly payments. No Data Avsikabke is inaccurate and known to be inaccurate by XXXX and XXXX. Obviously, the date of last payment of XXXX  is inaccurate as future payments were never reported as required. The date of last activity of XX/XX/XXXX is also obviously inaccurate. XXXX has breached its obligations to report accurate and complete data therefore it no longer has a right to report data mandating permanent deletion of my account from every CRA and sn obligation if every CRA to block access to XXXX to insure permanent deletion is insured. It is too late to correct data so Permsnent deletion is required. I dispute all payment and incomplete data so, until the account is deleted, my XXXX account MUST include the permanent designation Of Account Disputed by Consumer and failure to mark account as disputed, even if XXXX disagrees, shall constitute additional willful FCRA violations which I claim now for {$1.00}? XXXX per violation.
Product: Student loan

I am writing to formally file a complaint regarding a serious violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) and the unauthorized exposure of my personal and financial data due to a breach facilitated by XXXX XXXX. This violation has compromised my student loan records, personal identifiable information, and financial security, thereby exposing me to potential fraud, identity theft, and misuse of my sensitive information. 
As a borrower under the Federal Student Aid ( FSA ) program, I entrusted the Department of Education and its servicers with my private information under the assumption that it would be safeguarded in accordance with federal law. However, the breach has directly infringed upon my FERPA-protected rights and placed me at severe financial and personal risk. XXXX XXXX actions have blatantly disregarded federal privacy protections, and it is unacceptable that my dataand that of countless otherswas exposed due to negligence or unauthorized access. 
Given this egregious breach of trust and violation of federal protections, I am formally requesting immediate and full forgiveness of all my student loans. I should not be held financially responsible for loans under a system that has failed to uphold its legal obligation to protect my data. This violation has placed undue stress and financial burden upon me, which can only be rectified through full cancellation of my outstanding federal student loan debt. 
Call to Action I demand that : 1. All of my federal student loans be fully discharged immediately due to this breach and violation of my FERPA rights. 
XXXX. A formal investigation be conducted into how this breach occurred, who was responsible, and what legal consequences XXXX XXXX should face for his involvement. 
XXXX. The Department of Education, FPCO, and FTC take immediate corrective actions to ensure all impacted borrowers are provided with relief, including widespread loan forgiveness for those affected. 
I expect a prompt and detailed response outlining the steps your offices will take to rectify this matter. If no action is taken, I am prepared to escalate my complaint through all necessary legal and regulatory channels. 
Thank you for your immediate attention to this matter. I look forward to your urgent response confirming that my student loan debt has been forgiven in full
Product: Credit card

Over the last 5 to 10 years I have XXXX credit cards that eventually were bought out by Synchrony Bank. I had one account that was closed that I have had open and current for over 5 years and the other for 1 year. Payments were to Rooms to Go, HH Gregg and Belk were always paid on time and or paid in full. The accounts were closed without my knowledge and without reasoning. Again I always make on time payments and due to this fact it hurting my credit score.
Product: Credit card or prepaid card

Citi Bank, on the Best Buy credit card, has signed me up for " Debt Protection '' without my knowledge. 

In XXXX, this has cost me {$820.00} In XXXX, this has cost me {$320.00} In XXXX, this has cost me {$700.00} A total of {$1800.00} over three years, perhaps more, as their statements do not go back any further. I have, under NO circumstances, signed up for this protection. This is a scam and I want my money back. These fees are there to siphon money off of " 0 % interest offers '' and are based on the rotating balance on the card.
Product: Credit card

I applied for this card so that I could take advantage of the 12 month free financing and what a hassle this has been! I have closed my account because of all the errors generated either by automated computer or by personnel. I have to mention I have talked with the general manager and sales rep and they have been very nice and compliant about reversing the charges that were incorrect. The issue has been with the numerous calls from Synchrony bank stating that I owe a late fee and my account balance is past due when in fact that is not correct! The automated pay system that Synchrony has is horrible! It doens't take out any money, even when the account was setup properly. I became so frustrated with this hassle and paid my balance in full and closed my account. However it did not end there, for some reason Synchrony bank yet again messed up and charged me {$25.00} after my account was closed. I am wondering why they still have my personal checking account information after I closed my account. Apparently the {$25.00} charge was interest that was due, although I was never late on my payments and I had the 12 month free financing. I called into Synchrony bank to get my charge of {$25.00} reversed because it was an error and they agreed no problem, BUT you have to wait 3 days or about 48 hours and CALL BACK again to " make sure that your payment gets processed ''. WHAT POOR CUSTOMER SERVICE!! VERY INCOMPETENT FOR A BUSINESS THIS LARGE TO HANDLE AMAZON ACCOUNTS!! I will NEVER use SYNCHRONY Bank again as it has been such a hassle to use. All I would like now is to receive a check for my {$25.00} and not have to call back ever again. I have also put a very poor rating on Amazon 's website about this card through Synchrony bank and hopefully Amazon realizes that through enough customer complaints and will get rid of Synchrony Bank as their primary store card and use a more reliable, hassle free company.
Product: Credit reporting or other personal consumer reports

I KEEP PROVIDING EXPERIAN WITH ALL THE DOCUMENTS FOR THEM TO PLACE ONE ADDRESS ON MY CREDIT REPORT.. BY LAW I AM ENTITLED TO HAVE 1 CORRECT ADDRESSS LISTED ON MY CREDIT REPORT. THE ONLY ADDRESS THAT SHOUD BE LISTED ON MY CREDIT IS XXXX XXXX XXXX XXXX XXXXXXXX AR XXXXXXXX AND XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the XX/XX/XXXX early afternoon PST, I was swamped with around 2000 emails, 999 to my inbox and the balance in junk mail. Whilst deleting those emails I came across one from Bank of America notifying me of a transfer of {$7000.00} from my business account to another BOA customer. I immediately rang BOA and the full story is attached below. While the event has been resolved and the {$7000.00} returned I was appalled by the treatment and complete disregard for the safety of my other accounts that could easily have been compromised during this period.

The only credible assistance offered was by the fraud investigator XXXX XXXX XXXX of BOA, however this was not until after 30 days had elapsed.
Product: Bank account or service

Huntington bank 24 hour grace period The media package nor the brochures offered by the bank do not disclose how this feature does not work.The bank determines whether or not to the transaction so if they determine to not pay it the grace period does not apply, I questioned the formula for their decision for paying or not paying bank states they do n't have one.This is very misleading and the consumer is given permission to overdraft and believes no fee will be incurred when many times a fee is assessed even when deposit is less than 24 hours.Bank states deposit could be 1 minute later it does not matter, this info needs to be given to consumer, not buried in fine print in a XXXX page disclosure that bank employees do n't even mention when opening an account.The fee is even assessed when a direct deposit is pending for 25 times the amount of the transaction, quite a money windfall for the bank at {$37.00} per fee.The media package for Huntington needs to be changed to full disclosure.
Product: Mortgage

In early XX/XX/2020, as we were considering refinancing our home mortgage, Quicken Loans approached me with match or beat offer ( attached ) directly addressed to me with their rates and numbers. Subsequently, I inquired XXXX XXXX XXXX their vp and others ) to find their most competitive rate. They were not very cooperative and kept referring to the rate of 3.316 % APR as written in the attached offer. 
However, I received better rate ( 2.75 % ) from another vendor ( XXXX XXXX XXXX ) and recently closed the refinancing with them. 
Following their instructions of the Quicken Loans Match or Beat offer, I submitted all the requisite papers to claim the small {$250.00} reward they promised. After much wasted time, an employee XXXX XXXX XXXX XXXX refused to provide me the {$250.00} reward with the excuse of not finding any record of my interactions with their people. As you may see in the claim offer, nowhere they said I needed to provide the logging details of my interaction as most of these people always insisted on communicating the numbers on the phone and not in writing which itself is very shady and unprofessional in nature. This employee admitted that no recorded logging and conversations were needed. 
Despite explaining all these, the Quicken rep XXXX XXXX XXXX kept refusing to honor the reward with excuses of not finding the record. I am attaching another email herewith from another quicken employee XXXX XXXX XXXX on this matter to show a proof of interaction. But since these people refused to provide any additional written refinancing rate term ( other than what I attached here in the match and beat offer XXXX, it is not possible for me to submit additional rate offer. 
Recently, I found out they will not give me any rate info without a formal application and running a hard credit on me which is unheard of and very unethical as an applicant must know the specific numbers, terms and conditions and accept before any application. I have provided them all the numbers of my financial information they were looking for, but did not get any written offer beyond the attached offer. 
As you can see that this ( including this match and beat offer ) is nothing but a very fraudulent scam by Quicken Loans. We need your help in stopping this scam and they must be forced to honor and provide their numbers and terms and conditions prior to any formal application or credit check as all any other reputable institution does.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. A fraudulent XXXX  XXXX XXXX checking account was opened in my name and is on my EWS report. It is preventing me from moving on with my life because I can no longer establish any relationships with any financial institutitons. I filed an Identity theft Report with the FTC that I've attached here.
Product: Credit reporting or other personal consumer reports

account shows closed/charged off but still reporting on my credit
Product: Debt collection

Debt collector called at XXXX and left no message. Calls from an automated dialed service during other hours and stays quiet on the phone for a few seconds before actually speaking.
Product: Checking or savings account

Today, Wednesday XX/XX/XXXX, I went around XXXX to my bank trying to take out money from my bank account from the XXXX. The account said that there was only {$500.00} dollars and that it was unable to give them to me due to lack of money since someone had previously taken out {$1000.00} before. I have not taken out money from my account previously. I already filed a report to the Bank of America, having to make four calls in the process. All together, i was on the phone for an hour and a half. The person attending me from the bank cancelled my XXXX account, telling me that in around 10 days I will recive a new card alongside some papers to file a report. They also told me that once I file the report I will have to wait 90 days for an answer on my situation. Not guarenting my money bsck. I am currently unemployed and rely on the money. I am in need for a way to speed up the process. In the past, you have been very helpful when they stole {$2000.00} from me and the bank refused to pay me, I am very grateful for that. The bank has not refused to pay me, but they will be taking 90 days to answer me. Unfortunatly the banks security measures are not enough since this is the second time I have been rebbed with my card and personal information. Which i am sorry for since i see myself being affected economicly. Thank you for hearing me out.
Product: Checking or savings account

On XX/XX/2023 I made a withdrawal from the XXXX Bank ATM at XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I did not guard my input of XXXX XXXX card number into the ATM. After the transaction, while I was sitting in my car, I put my debit card in my lap. Evidently, trying to distract me, a XXXX  came to my passenger window and offered me {$20.00}. I lowered my XXXX front windows and said, " The money isn't mine. '' While I was distracted by the XXXX XXXX, a XXXX XXXX evidently took my card through the driver 's side window. I left the premises for home. Once there, I realized I did not have my debit card. 
I immediately called the Chase fraud line and explained the above circumstances. I was told to destroy my debit card and another would be issued by Chase. I was also told to call the nearest police station. The next day, XXXX XXXX, I filed a theft report with the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, La XXXX, CA XXXX. {$1900.00} dollars had been withdrawn from my XXXX checking acct. 
XXXX concluded : I " authorized the use of my debit card and XXXX  number. '' I said, " I did not. The thieves must have seen me put my number into the ATM. '' XXXX countered that and refused to look at the XXXX footage that would have captured the theft.
Product: Student loan

I accumulated {$120000.00} in loans with Navient. What I was n't told was with a prior record from 7 years ago, I would not get a job with my degrees. I have applied and continue to be turned down. I contacted Navient and told them I had no job and the only thing I got was forbearance til XXXX of 2017. I have found employment making a little over XXXX and can barely pay my bills. I obtained my XXXX XXXX and XXXX thru the University XXXX. There is no way I can make the payments Navient calculated, yet alone any payments with what I am making.
Product: Debt collection

Rhodes, Kelly & Associates Inc. at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX has been sending me collection notices in the amount of {$1700.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

Please eliminate this unauthorized account from my credit report, as it is not associated with me. I ask for a thorough investigation to identify and fix any other inaccuracies.
Product: Credit reporting or other personal consumer reports

Noticed several inquiries that I don't remember initiating.