23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient Denied my Misconduct Application ( attached ) but did not tell me why it was denied after I called in. They only provided in email the original application information. This misconduct needs to be discharged as the school did everything wrong. I attended The Illinois XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> and graduated with a XXXX XXXX XXXX XXXX XXXX in XX/XX/year>. The school made pervasive and substantial misrepresentations about post-graduation employment rates, salaries, and career services during enrollment. During the enrollment process the recruiter spoke over the phone with my mother and me telling us about guaranteed job placement within 6 months of graduating and no other school can guarantee these rates. They falsified their data to reflect what they were telling freshmen. I did not receive the promised career services, job placement, or any career help after graduation which hindered the ability to obtain employment. The Illinois XXXX XXXX XXXX closed their doors after numerous lawsuits were founded to be true from the misconduct performed. I filed a misconduct application on my Federal Loans and those were forgiven due the findings being true. In addition, the school lied about interest rates and overall cost of the program. Numerous times during my 4 year degree they stated that i needed to take out loans to stay in the program and graduate but the interest rates were never given. I was only told variable would be provided.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3900.00} DEPT OF EDUCATION/ XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance {$0.00}
Product: Mortgage

On XX/XX/2019 I was approved for a loan. I signed all required documents. I submitted all paperwork requested. I paid {$470.00} for an appraisal at the lenders request. I acquired insurance at the lenders request. On XX/XX/2019 I signed a Closing Disclosure. After signing there was no response. Eventually we were told a " calculation '' error was made by the lender. No one would respond to numerous calls and emails from myself or my mortgage broker. Finally once we escalated our concerns. On XX/XX/2019 at XXXX. I received and email rescinding the loan offer.
Product: Debt collection

I was contacted by this company about 3 allegedly unpaid medical bills. I spoke to them a multitude of times over several months requesting debt validation and they never responded to my requests in writing or by email. 
As time wore on, my insurance company discovered the medical bills were fraudulent. When I notified the collection company of this they still refused to provide any debt validation documents and discharged the debt back to the Dr office. 

While that may be a plus, they still broke FDCPA laws multiple times and were happily attempting to collect a debt that was fraudulent without listening to my well documented concerns about it for months
Product: Checking or savings account

I went to the bank ATM to withdraw {$1000.00} dollars the ATM said that the funds weren't there. This was a bank of america atm and account, I went home and called the card number abd they said that someone withdrew the funds from a different bank and different city from an atm. 
I called Bank of America and 3 times they denied my claim even though that they are in the wrong they won't deposit the {$1000.00} back into my account
Product: Checking or savings account

I have place a compliant before, however upon further research I noticed that my wife last name was misspelled. My wife name is XXXX XXXX and the representative from Wells Fargo branch spell her name as XXXX XXXX. I dont know if this has affected our accounts to be frozen and eventually closed, but we did not want our accounts closed. Also, we did go into the XXXX XXXX Wells Fargo Branch in XXXX, Fl to fixed the incorrect problem with our account. We were told that they could not identify who we were. Maybe because my wife name was spell incorrectly.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

I am complaining about XXXX XXXX for HARASSMENT! 

My husband and I are both cosigners for our sons Smart Option Student Loans to XXXX XXXX. 

In XX/XX/XXXX through XX/XX/XXXX, we cosigned for our son for the Smart Option Student Loan, which consists of six loans. My son has been paying these loans holistically since he first received his pay check in XX/XX/XXXX from his job at the hospital as a nurse and up-to this-time. As a matter of fact, all of these loans have been applied for auto-pay. 

Since XX/XX/XXXX, weve been receiving non-stop emails, letters from the mail and phone calls. We received phone calls constantly almost every day, some of these calls are not showing the phone numbers on our phone screen. Sometimes, it shows restricted or unavailable or private. We can only recognize who called us when we listen to the voice mail. When we called the number that was provided on the voicemail, we often waited to get a human being to answer our calls, sometimes we got lucky if we were answered within 45-minute wait, after we discussed what we were calling for the person said, " your payments are up-to-date. '' Another occasion that I would think it was an harassment was : XXXX XXXX Representative, XXXX is the name he gave me called my work phone at around XXXX. ( On one occasion, they collected three times from my sons bank account and they were apologetic because of their mistake and they returned the access amount to his bank. ) Another that I believe that it is an Harassment was their electronic mail. The email says, Your XXXX XXXX student loan ( s ) requires your attention. Log in to XXXX to review your account information. Signed by XXXX XXXX - XXXX XXXX Soon as I clicked on the link, it's an offer for another loan ( This is misleading people like us to open the email. ) Another instances was The letter from the mail. The letter says, Late payments may result in your XXXX XXXX loan/s being reported to the consumer reporting agencies as delinquent. Negative information on a credit report may adversely affect your credit rating. Its important to know that delinquency can stay on your credit report for up to seven years.

This is too much! Not only are they harassing us but also threatening us. Those statements really are very stressful!

I am hoping that you would help us to STOP them harassing/threatening/stressing us. We want them to STOP calling/ emailing/ sending letters in the mails with deceiving/threatening statements. We do not need them to bother us. My son 's payments have been enrolled for auto-pay.

Thank you in advance for your time and assistance. I highly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It's been over 60 days later I have not received a response yet. I truly feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

On XX/XX/2019 I made a deposit into my chase bank personal checking account in the amount of {$20000.00} I waited the 10 business days it takes for a deposit of that size to clear and post to my account which it did no problem however as soon as the money posted to my available balance my account was locked and ultimately closed for whatever reason Im not sure ok fine not the problem its going into XXXX now and I still havent received my funds and after speaking with my personal banker I was informed that indeed a check had been made but theyre refusing to send it to me and I feel like theyre discriminated against me for my age or something Im not sure what the problem is because I also had a business account with them that was closed the same time with {$17000.00} in it and they didnt have any problems cashing me out the entire amount in the branch however I still havent received my {$20000.00} from my personal account even though I know a check has been made theyre essentially refusing to give it to me going on a month now without my money
Product: Money transfer, virtual currency, or money service

Purchased a code to a digital product and transferred funds using Bank of America 's mobile banking application - which is powered by XXXX. No disclosures, not addtional information on the process, etc. Called immediately to cancel transaction and was told by client services to let the transaction go through because the transaction could not be in a " pending status '' to reverse. Once cleared then make a claim against the transfer. I followed their instructions and then the Bank denied my claim. Called Bank, went into bank, and nobody is willing to provide service or back their endorsed product.
Product: Debt collection

ERC, a collection agency, is alleging I owe {$560.00} for a delinquent XXXX XXXX XXXX  account. I have never had an XXXX XXXX XXXX account. In addition, I have never received any statements from XXXX XXXX XXXX, nor any past due statements. According to XXXX XXXX XXXX it's a valid account number. I filed a complaint with XXXX XXXX XXXX XXXX fraud department. They responded with, " XXXX XXXX XXXX has received your inquiry and determined that the account you have provided is currently being held by an outside collection agency and must be disputed directly with that agency. '' I disputed the bill with ERC and received a " statement '' that showed the amount due, {$560.00}. However, it showed no details about what constitutes that amount, nor any information about when the charges incurred.
Product: Mortgage

GreenTree/Ditech Loan # XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXThere are numerous issues with this short sale file:1 ) Loss mitigator, XXXX XXXX XXXX claims that Green Tree and Ditech are XXXX different companies -- - they are not, they just changed their name - this is extremely deceptive and this is what they are telling people that call in. XXXX 's intimation to us was that any illegal acts that Green Tree committed were water under the bridge as Ditech is a different company - this is quite possibly XXXX the most ridiculous things I have heard. 

2 XXXX Green Tree/Ditech - illegally threaten our sellers and told them they had to vacate the property prior to the property being foreclosed on. They did this on or about XXXX 2014 claiming that they ( XXXX Tree/Ditech XXXX owned the property -- - our clients do not speak XXXX were bullied into vacating the property, this is something the Green Tree/Ditech has a history of doing. 

3 ) Green Tree/Ditech then continued to postpone the auction -- - they did not own the property as they has told our clients, and continued to fraudulently collect servicing fees XXXX -- - defrauding the XXXX taxpayer and the federal government. They claimed that the postponement was due to our clients bankruptcy .... Unfortunately for Green Tree/Ditech, this is yet another lie as the BK closed over 1 years ago. -- - this is a wide spread problem with Green Tree/Ditech as is evidenced by the XXXX complaints online. 

4 ) In violation of State and Federal statutes, Green Tree/Ditech did not reach out to the home owner and the homeowner only became aware that they still owned the property when a notice of trustee sale was issued on the property. I find it rather disgusting that Green Tree/Ditech would think it is ok to do this to a XXXX family only because they a ) do n't speak XXXX well ; and b ) do n't have the means to fight. This is a disgusting practice that they CFPB needs to STOP! 

5 ) We request that the CFPB ask Green Tree/Ditech why they would lie to a home owner and tell them that they owned a property when XXXX Green Tree/Ditech XXXX did not. Why they would not contact the homeowner for workout options. Why they would continue to collect servicing fees from a federal entity for over 1 year XXXX they already owned it ... or so they told the home owner ) without foreclosing increasing urban blight and defrauding XXXX.
Product: Credit card

I was approved for a new credit card from XXXX XXXX and got it to pay off my Wells Fargo card before a bunch of interest hits next month and Wells Fargo says " my type of account '' can't accept balance transfers. Which makes no sense, but they have other ones that will? Plus, I used balance transfer on that that Wells Fargo card to pay off other balances, but now I can't do the same with their card? This seems ridiculous. I tried sending an almost {$3000.00} balance transfer payment to them and they refused it, so the payment was reversed. Plus, I had called them to let them know the balance transfer was coming and even had her waive the late payment fee because the balance transfer payment was schedule and she NEVER said they didn't allow balance transfers! It's always something with Wells Fargo ; they are the worst!
Product: Debt collection

the collection company Nationwide Credit Corporation, XXXX, at XXXX XXXX XXXX XXXX Mi XXXX .Keeps sending me the exact same bills that I have already made arrangement to pay from XXXX XXXX hospital. This is a XXXX billing agency that is trying to make money off me through this double billing process. enclosed I have copies of the XXXX company bills and the original bills from XXXX XXXX, In which I am making arrangements to pay them directly. This side collections company However insist on sending me these same duplicate bills, and I am getting very annoyed of their deceptive practices, how can I get them to stop such actions?
Product: Debt collection

XXXX XXXX $ to XXXX XXXX XXXX  XXXX amount of XXXX XXXX XXXX XXXX XXXX $ to XXXX XXXX XXXX amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ to XXXX  XXXX XXXX  While I was celebrating New Year 's with family, a family members son, under of the age of XXXX gained access to my phone, and deposited money onto online gambling apps, yes I have used these apps before, but I do not deposit ridiculous amounts of money as I am not rich, and don't have the funds for such activities, the very next day when I realized what had happened, I contacted each casino and let them know the situation, none of them were willing to issue any refund after the fact, so I disputed the charges with my bank and received chargebacks for the situation at hand, I now have a debt collector, Indebted, trying to collect the money from me for these companies, I do not believe I owe the debt, as I did not authorize these charges myself, my bank accounts were already connected to the apps, and all my debit card information was was easily accessible via XXXX wallet as XXXX had them saved, I did not provide any authorization to anybody else to do so, my accounts were accessed without any permission of mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  : This account should be deleted. After the investigation, Equifax updated the " Date Major Delinquency 1st Reported '' to XX/XX/XXXX, which is incorrect. The first delinquency is actually over 7 years old, and the account was included in my bankruptcy. 

XXXX Account : Another account I disputed last month, " XXXX, '' was updated with an incorrect date. The " Date Major Delinquency 1st Reported '' was changed to XX/XX/XXXX. This is impossible, as this account was closed and paid off, and it was not included in my bankruptcy. 

XXXX Account : This account is many years old. After the investigation, the " Date Major Delinquency 1st Reported '' was changed to XX/XX/XXXX, which is incorrect. The last delinquency on this account should be prior to XXXX at the earliest, as it was included in my bankruptcy. 

XXXX Account : This is a very old account, and the " Date Major Delinquency 1st Reported '' was changed to XX/XX/XXXX, which is also inaccurate.
Product: Bank account or service

I received a message of a charge to my debit card of {$550.00} to a hotel in a place Ive never been and called the hotel, then my financial institution to dispute this. I receive these messages for every purchase I make. Since I 've made several in 4 days, I was n't too concerned with opening the statements. However, as I reviewed my statement, there were several notable charges to my card that had enevitably wiped my entite account balance out out. I subsequently made a report with the hotel chain and called my local law enforcement filing yet another report. The following day, as I had to work all night, I provided law enforcement with copies of my account statement. I inquired to the financial institution on the status of this investigation and the following day several more times. I called every merchant yo inform them the transactions were not authorized. Some I received confirmation on, one attempted and others just reluctant to help at all. My financial instituion wo n't tell me when or if I will ever see my money back. I have called several times to the point they messaged me and said if I called anymore about that issyecIbwould be blocked from calling and only left to message. I 'm out money, plans, bills being paid, gas, food and no one seems to care. No one can provide any information and even when I ask if this account is Federally insured, I get the dispute team is working on it and when they have an answer they 'll send a message! No time line no nothing and then told to quit asking! I have read reviews on this finisvisk institution and have to say there seems to be some questionable dealings going on with what they do to their customers. This, in itself, should be investigated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the XXXX submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXX.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX CARD XXXX, XXXX XXXX XXXX, XXXX CARD XXXX
Product: Credit card or prepaid card

This dispute has been going on for almost 6 months now. 
I purchased an internet package from the XXXX XXXX XXXX onXX/XX/XXXX for XXXX. The internet did not work ; therefore I went to the internet manager and she credited me for XXXX. The next day I was charged XXXX. I went to the internet manager and she advised that it was a mistake and would be credited again. 
The other dispute is for the XXXX XXXX. The charge of XXXX was for a haircolor. My discount promotion was not applied ; therefore they issued me back a credit of XXXX and charged me XXXX. I am not disputing the amount of XXXX ; I disputed the amount of XXXX. The hair color completely washed out when I arrived home the next day.
Product: Debt collection

Ive been seeking validation for the derogatory item reported to my credit report since XX/XX/2021 and the debt collector has failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.