23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

After being in repayment for a few years on my Federal Direct Student loans that totaled about XXXX, I was sent information from XXXX XXXX XXXX XXXX XXXX XXXX Sales XXXX Processing about consolidating my loans for a better interest rate. I had no idea that by consolidating my loans that I was going to be transferring my loans from Federal Direct government loans to a private loan. This was never indicated to me. I was told that my loans would stay with my servicer, XXXX XXXX and that I was being offered interest rate reductions for consolidating. My payments all stayed the same. This happened in XX/XX/XXXX. 
Then, in XX/XX/XXXX I applied for the Public Service Loan Forgiveness program. I was qualified for the program as far as I knew since I'm a XXXX   XXXX XXXX and was making payments on my student loans. The problem came about when I learned that my federal direct loans were actually converted to private loans with ZIONS FIRST NATIONAL BANK and I wasn't eligible. This news was devastating. I had no idea that by consolidating my loans I had been transferred to a private bank. I didn't even know that was possible! Neither XXXX XXXX or XXXX XXXX XXXX clearly state that this was the case. In fact, the estimate even stated 'Department of Education ' in the quote. Now, I'm getting closer to retirement and will be carrying student loan debt with me that should have been forgiven in the PSLF program.
Product: Debt collection

I received a letter from Rash Curtis and Associates dated for XX/XX/XXXX on XX/XX/XXXX account number XXXX stating I owed an alleged debt of XXXX. After contacting Rash Curtis and Associates on XX/XX/XXXX I spoke with representative ( XXXX ) but before I could plead my case that I had no knowledge of nor authorized the account I was rudely hung up on.
Product: Credit card or prepaid card

Unable to access account to pay balance! Can not reach card issuer through customer service number at any time of day! No communication from Comenity Capital Bank at all! My major concern is being charged late fees because I can not pay my bill!
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Acct # XXXX Midland Credit Management can not validate these debts, which I have requested three times. 

Midland Credit Management has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. No accounts from XXXX are reported on any of my credit reports. Just listed by Midland Credit Management.
Product: Credit reporting or other personal consumer reports

I checked my credit report, bcs I received an email about a new inquiry, when I checked this morning, I noticed several hard inquiries and other soft ones started that I did not authorize, so I called the first two banks, and they informed me that a credit card was in their institution, which means one for each bank ( XXXX and Wells Fargo ), they informed me that they have cancelled the credit cards, and an investigation was going to be performed and that they will email me the findings, aka credit card fraud. XXXX ( XXXX ) provided me with the email address of the person who opened the XXXX  in their bank, which is XXXX, and that is all she can provide me. The other bank, Wells Fargo* ( WF CRD SVC, XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ), indicated that they can not provide me with any information of the person who opened the credit card using my ssn, etc. Wells Fargo informed that the credit card this person opened already has a balance over $ XXXX, the other bank did not provide this info. I still have a list of other places, I need to call. I will be calling the other companies tomorrow, which are : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX Date of credit report inquiry : XX/XX/2023 ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX Date of credit report inquiry : XX/XX/2023 ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Date of credit card inquiry : XX/XX/2023 ( XXXX ) XXXX 's XXXX and Wells Fargo Credit Card Services cancelled the credit cards, but I will continue monitoring my information regarding credit inquiries in the three cree bureaus. 

I already put a freeze in XXXX and complete the freeze for XXXX and XXXX tomorrow.
Product: Debt collection

A collection agency, Jefferson Capitol System, is attempting to collect a debt on one account 3 times. I only have knowledge of one account through the cellular company who contracted them, and the cellular company has verified that I have only had one account with them. Jefferson Capitol System has made 3 separate entries on my credit report and they are refusing to delete 2 of them, through a dispute with the credit companies XXXX XXXX, XXXX, and XXXX ) making it impossible for me to contact them to verify that the debts are actually mine, and to pay them if they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting hard inquiries that I did not do.
Product: Payday loan, title loan, or personal loan

Loan for {$5000.00}, {$900.00} carried from existing loan overand added to new, Made a total {$5900.00} on loan. No early payoff or penalties.fees, even asked again when I tried paying it off! Been paying on new loan for 10 months at {$280.00} a month. Called beginning of XX/XX/2023 to payoff loan in full with {$5900.00}. I was told I would have to pay {$6200.00} or $ XXXX phone not sure, i was upset, but itcwas over the original ammount. I said I have {$5900.00} the whole loan that's it, you've received XXXX for 10 months and he said that hasn't even started paying on the loan thatci had just been paying interest! My response was, well loan was {$5900.00} I'm offering u the whole amount. He said no he would write it as a charge off it I paid the {$5900.00} and no more. Republic finance in XXXX. 
So called another location to get it resolved, they could not get into my account for some reason to handle the issue. 
This company also told me they could not have access to my bank account unless on auto pay, but they did and quoted charges I had on my bank statement. Now they are calling me for the XXXX payment again! 
Spoke with another person finally and a month later are willing to take the {$5900.00}! 
I don't have anymore what do I do. I've been working on my credit for years now this. Please help.
Product: Debt collection

I need your HELP : MIDLAND BROKE THE LAW! ! On XX/XX/XXXX I sent certified mail to MIDLAND CREDIT MANAGEM of tradeline XXXX of alleged debt XXXX due to their actions in violating my consumer rights and FDCPA Laws by parking the alleged debt on my consumer reports without proper notification and verification. The violations committed against me negatively affected my position to apply for a mortgage. Despite the FTC has already taken enforcement action against a debt collector parking debts on credit reports without notice to consumers, Midland has blatantly committed deceptive acts in passive credit reporting or parking instead of active collection efforts like phone calls and letters. Midland the collector furnishes negative information to the XXXX, XXXX, and XXXX without ever attempting to contact me about the alleged debt but only waited until I the consumer discovers the negative information upon my intent to apply for a mortgage. Midland also ignored the CFPBs new debt collection regulations, effective XX/XX/XXXX that requires notice to consumers about an alleged debt before the account can be reported to CRAs. Midland played delayed tactics in only sending me correspondence which I attached to with respect to legal threats and used another unknown address which is not my consumer reports- see exhibits attached. ( another violation ). To date, Midland has not yet acknowledged the communication of certified mail attached.
Product: Debt collection

I have a collection debt reported by a company called CAC Financial, for {$730.00} dollars. Supposedly, the original creditor is called XXXX XXXXXXXX XXXX. I've never done business with either of those two companies. Nor have I ever received any correspondence from them. So I suspect it's fraud. I XXXX  the phone number of the supposed original creditor, l called but no one answers that phone.
Product: Credit card

I use a credit card from XXXXXXXX XXXX to pay rent and other purposes. This card has a feature " XXXXXXXX XXXX  '' that processes rent separately from other purchases, so it withdraws the rent cost from my bank account around the same day it issues payment to my landlord. This prevents large credit utilizations for rent. I have scheduled this payment for the XXXX of the month, while my typical automatic statement balance payment is the first of the month. 
I noticed on XX/XX/XXXX an abnormally large payment to XXXX. Typically my expenses outside of rent on my card are < {$1000.00} per month, so I was concerned to see a ~ {$4800.00} charge for my XX/XX/XXXX statement balance payment. Upon investigation, I noticed that this amount added up to both my rent payment ( XXXX ), and my other charges for the month. However, XXXX had also withdrawn my rent payments properly the past several months, so this would indicate I was double charged for one of these payments. 
Upon further investigation of both my bank and XXXX statements, I noticed that for my XXXX rent, the amount was withdrawn from my bank account on XX/XX/XXXX as expected, but was not credited to my XXXX account until XX/XX/XXXX. It appears that when my monthly statement was issued on XX/XX/XXXX, it included the XXXX rent that had yet to be credited. Therefore, although the rent payment was eventually credited, my automatic statement balance payment also included this number, and withdrew on XX/XX/XXXX, causing a negative balance. 
This caused me to go below my bank account 's minimum balance requirement ( although in this case no fees were incurred ), and came closer than I'd like to overdrafting my account. As I hadn't been expecting quite a large payment due to the double payment, my account could have been overdrawn for later payments this month, as the double payment left me with < {$150.00} in my checking account. 
In addition, it was quite difficult to get customer service to respond to to this issue promptly. On my first call, I was told I needed to use email or chat support to get a refund. After discussing the issue over chat, I was told we would have to move the conversation to Email, but I never received a follow up. When I called back and explained the issue again, was told the issue was my fault because of the representatives incorrect understanding that the XXXX protect payments were payments from my bank 's bill pay service with variable processing times, when actually they are automatic withdrawals by XXXX like any other automatic payment. When I asked to speak to a supervisor as clearly there was a misunderstanding, I was placed on hold for over 40 minutes before my schedule forced me to hang up and call another time. Only on the third call was I able to reach I representative after a 30 minuite hold that was able to help me initiate a refund for the full XXXX. This took significant effort to recover money that is mine, and a customer with significantly less spare time during customer service hours would not have been able to recover their own money if a similar issue were to occur to them.
Product: Consumer Loan

TOWER LOAN IS CALLING ME BACK TO BACK SEVERAL TIMES A DAY AND ALSO CALLING MY REFERENCES THE SAME, I HAVE TOLD THEM I WOULD PAY ON THE XXXX YET THEY STILL CALL SO MUCH IT IS HARRASMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly told credit agencies for years I have never lived at XXXX XXXX XXXX XXXX, XXXX XXXX this has been going on for over 10 plus years now and I am quiet frankly sick of it. I have lived in the state of Georgia since the day I was born I have never lived in another state. I have enough paper trail that in court of law would prove I have always lived in Georgia and no where else!!!! Almost XXXX  year Ga resident no other state!!!!!!!!!!!!
Product: Checking or savings account

I began receiving letters from Bank of Hawaii stating that a checking or savings account was opened in my name. I am not certain when first letters arrived however I have 2 dated XX/XX/year> & XX/XX/year>. I called Bank of Hawaii and spoke with fraud dept. They stated the account was closed as soon as it was opened however a card and checks had possibly been issued and that I should cut them up. My Credit accounts are frozen so I am not sure how this account was opened.
Product: Checking or savings account

I have been contacting US Bank since XXXX XXXX it is now XX/XX/XXXX and I still have not been able to at the least receive a confirmation number that a debit card was ordered. Even though they continue to assure me it will be delivered tomorrow to me from Indiana to North Carolina but there is no tracking number available. Apparently a debit card is the.only way to access my funds because there is no location for a prepaid debit card account ; but no alternative to accessing your money. A debit card they claim to have sent without notice six months ago. I have called and talked to at least XXXX people. Everyone has neglected to offer me a solid solution whatsoever. So another day goes by without me being able to touch my own money and no assistant at all.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to investigate disputed items on my credit report despite multiple requests. On XX/XX/2023, and XX/XX/2023, I mailed dispute letters to TransUnion, requesting a thorough investigation into inaccuracies present on my credit report. However, to date, TransUnion has disregarded my requests for investigation. 

I received a response back from TransUnion dated XX/XX/2023 and XX/XX/2023 stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

In my dispute letters, I provided all necessary documentation to assist TransUnion in verifying my identity and address. I included a copy of my photo ID, social security card, and a recent bill displaying my current address. Despite this, TransUnion has not taken any action to rectify the inaccuracies on my credit report. 

This neglect on TransUnion 's part is deeply concerning as it directly impacts my financial well-being. I have taken every necessary step to ensure that TransUnion has the information needed to verify my identity and address, yet they have failed to fulfill their obligation to investigate and correct the disputed items. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

Enclosed with this letter are copies of the dispute letters I previously sent to TransUnion, as well as the documentation proving my identity and address. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion fulfills its obligations under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX Date of Inquiry XX/XX/XXXX ; XXXX XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; and XXXX XXXX XXXX Balance : {$55000.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX
Product: Credit card

Bank America Credit Card has consistently failed to remove the pending charges upon posting the actual charge to the credit card. So, in effect the balance used and available is incorrect for a week. This can affect future purchases and credit history as essentially it doubles the balance incorrectly. Upon call a couple months ago it was a system glitch but has happened multiple times since. Seems to relate to multiple retailers including XXXX purchases. 

The most recent item was over XXXX dollars. The item was hard charged to account on XXXX XXXXXXXX and still showing both the pending charge and the actual charge, with exact same amount. This shows user has used over XXXX in credit card which is false. Charge has been finalized and even partial payment made. 

Bank America has no email feature, no chat feature, and requires consumer to call in. Employees are nice but full of excuses and fail to resolve permanently. This is a system issue and appears they have no intention to resolve and stop harming clients with double charges.
Product: Credit card or prepaid card

On Sunday XX/XX/22 at around XXXX CST, I made my Capital One payment online for my credit card ending in XXXX. When I tried to submit the payment, Capital One 's system, grayed out the XX/XX/22 date and pushed my payment to Monday XX/XX/22- where it showed : " Late '' in red and causing me to incur their {$29.00} Past Due Fee. I called Capital One 's customer service number immediately to request a fee waiver and was told by a XXXX  XXXX, to call back on Tuesday XX/XX/22, when their system updates and posts my payment along with the Past Due Fee. I asked the rep. " if your systems do not update until Tuesday, why would it require my payment to post by a particular EST time on Sunday and then force my XXXX payment to post late XXXX? '' The rep. did not have an answer to my question except to read his script stating that my monthly statement says I must pay by a certain - EST time in order for it to be credited on the due date. 
I called Capital One this evening - XX/XX/22 and spoke with a customer service rep. who reviewed my account. She then apologized and stated she can not waive the {$29.00} Past Due Fee. She was also unable to give me a straight answer as to why she could not waive the late fee. I then asked to speak with her manager or a supervisor. 
Manager - XXXX ( ID # XXXX ) provided a little more insight. XXXX reviewed my account and said that I do not have any " offers '' on my account in order for her to waive the {$29.00} Past Due Fee. I asked XXXX if I've had any courtesy late fee waivers in the last 12 months and she said " no ''. She reiterated that I must have " offers '' on my account in order to qualify for a late fee waiver. I'm about a 20+ year Capital One customer.
Product: Debt collection

On XX/XX/2020, I sent a certified letter to the three bureaus and XXXX XXXX ( Convergent Outsourcing ) requesting that this account be validated and received no responses. 
On XX/XX/2020, I sent another certified letter to the three bureaus and XXXX XXXX, and received no responses once again. 
I do not owe anything to XXXX XXXX cause I have XXXX XXXX today and the bill is paid on time, yet the three bureaus are reporting two different accounts in my name with two different amounts. Account number # XXXX for the amount of {$1000.00} and {$69.00}. I do not owe these amounts.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act... The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name... XXXX XXXX XXXX... Account # XXXX ... Account Name.. XXXX XXXX XXXX. XXXXXXXX XXXX Account Name XXXX XXXX XXXX ... Account Name... XXXX XXXX XXXX... 
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 an account without my written instructions..

15 u.s.c 1681c. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years..

15 u.s.c 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 reporting, credit repair services, or other personal consumer reports

I've reached out to the three major credit bureaus, XXXX, XXXX and Transunion to dispute a inaccurate information listed on my credit report. 

The first inaccurate information listed was a collection account. The account was posted to my report in XXXX of XXXX. All the bureaus had a different address for this collection company and I sent out three separate letters asking for verification on XX/XX/XXXX after trying to dispute with the credit bureaus. When this account was posted to my report on XXXX of XXXX, it had a balance of {$4900.00}. With no payment from me the amount was then updated to {$4000.00} on XX/XX/XXXX. I disputed this account that they are in violation as the information is inaccurate because the collection company can't seem to provide a one specific balance. Because I wasn't getting a response to my concern, I took screenshots directly from my report so they can address the exact problem and my concerns are not being addressed. The results just keep coming back as verified and updated but the information that is being updated to is still incorrect. One of the collection agency, XXXX didn't even had a balance for months just a name. 

The second item is the payment history on two of my accounts. One for a closed car note and another for student loan account. 

The car note is listed as 30-day and 30-day late in XXXX and XX/XX/XXXX on XXXX  and Transunion however on XXXX  it them shows 60 and 60 with no prior late payment. How is this possible. It is inaccurate. 

The Student loan shows 60-day late in XX/XX/XXXX with not prior 30 day late notice, again how is this possible? It is inaccurate and needs to be updated. 

I've reached out several times and nothing is being done to address this violation. I will attached the letters sent advising the bureaus of the inaccuracies.