23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I wish to make a formal complaint regarding the " Robocall '' policies of SLM Corporation DBA SallieMae. I am the cosigner of a student loan taken out by my daughter. Due to a banking hold on a deposited check, a payment was missed, via automatic payments. I received two robocalls on Sunday XXXX XXXX, XXXX at XXXX XXXX and XXXX at XXXX XXXX. On Monday at XXXX XXXX, I called the number proffered in the robocall and spoke with a customer service representative. At that time I questioned a robocall being received on a Sunday evening. Never the less, I explained the situation and arranged to make a payment bringing the overdue amount owed to zero. To my dismay, over the course of Monday XXXX XXXX, I received a total of seven additional robocalls. All after payment had been arranged. Robocalls came in at XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and at XXXX. I believe their robocall policy is abusive to consumers. I called them twice during the course of the day once at XXXX and once at XXXX. Each time I complained about the continuing robocalls, and their inability to stop them. Also, the customer service representative 's inability to offer an escalation name or phone number to elevate my complaint to. On one call, the representative even refused to provide me access to a supervisor. I think SallieMae 's service policy to not empower representatives the ability to stop the robocalls after payment has been provided is a questionable business practice. I think a robocall policy that allows nine robocalls in essentially XXXX twenty four hour time span is abuse.
Product: Money transfer, virtual currency, or money service

I'm not able to sign up with apps like XXXX for savings purposes.
Product: Credit reporting

As of our XXXX 2016 report There is a reported address associated with our credit that is not ours. 
A phone number not associated with us. 
A credit card never authorized by us has a balance and payment history. 
Several other cards we are not sure about use. 
My wife 's tax return was returned in her divorced last name even though we have been married 32 years and dealt with the irs about new married name. Wonder about safety of SS number XXXX XXXX accounts with different account numbers yet carry same balance.
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 USC 1681. 

Account Name : 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 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  and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( XXXX, Equifax ) violated my rights. 
Under 15 USC 1681 Section 602 states I have a right to privacy. 
15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish my account without my written instructions. 
Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open plan as late for any purpose.
Product: Checking or savings account

On XX/XX/year>, I had received an email that my checking account was overdrawn. I check my account with JP Morgan Chase XXXX {$400.00} ( XXXX {$200.00} transactions ) was taken out of my account & spent on XXXX. I have never shopped with XXXX ever in my life. I was a victim of a scam. That morning I called Chase customer support & was able to receive my money back. However on XX/XX/XXXX, I had received the same email. The same XXXX {$200.00} transaction from XXXX was taken out of my account. I contacted Chase customer service & they told me that it looked like the transaction was done through XXXX XXXX, therefore thats why they took the money. They suggested I call Chase Claims. I did just that & they referred me to the Debit Card Fraud department & suggested I get a document from XXXX XXXX stating the transaction wasnt from me. I called the Debit card fraud department & they told me there was nothing they can do & gave me the number to Chase fraud, essentially having me run around in circles. I called XXXX Customer service although they confirmed I made no such transactions, they told me they were unable to send a document/letter stating I did not make those transactions. The next day I contacted Chase Customer service & they advice that I go on my XXXX XXXX history, screenshot purchases, then go on my Chase app & upload documents regarding my claim. Thats exactly what I did. I uploaded screenshots of my XXXX XXXX history to show that I made no such transactions. Yesterday morning, I had received an email from Chase stating that they got my documents, however no Adjustments will be made to my account. This morning, XX/XX/XXXX at XXXX XXXX  I called Chase Claims & spoke with a gentleman named XXXX. He looked through my claim & said that the documents I had uploaded were denied because it consisted of irrelevant information, there wasnt strong enough evidence to prove that I didnt make the transaction & that there was nothing he could do on his end. I have been a loyal chase customer for 4 years & I am appalled by how I am being treated in regards to this situation. Not to give a XXXX  story, however I am a XXXX  mother working full time to make ends meet, I am going through an even more stressful time now that I wont receive my {$400.00} back to help with everyday purchases/bills.
Product: Debt collection

This is a medical debt. The hospital is balance billing me. I have asked for proof of dept. The collection agency is refusing to provide a valid proof of debt. They will only provide me with a copy of the bill from the hospital. My explanation of benefits clearly shows that I don't owe this amount. The debt collection agency is refusing to attempt to get anything other than a bill and has said " it's all the client provides. I have to pay. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again they have refused to investigate an error claiming they have already investigated it. But they can provide no date for prior investigation. They provided me with a copy of my credit report including all prior investigations. The report they generated clearly shows there have been no prior investigations into any discrepancies.t. Any attempt at filing a dispute results in an error stating no relevant information provided. I have screenshots of everything. They need to have charges brought against them for again refusing to investigate this entry on my credit report. The first screenshot shows all disputes filed. There are none listed. The second clearly shows what happens when any attempt at filing a dispute occurs. A third is posted to show that the item in question has not been reported to Experian by the creditor in almost 2 years. They refuse to allow you to file and do nothing but give you errors. Phone calls to them get refused. Both my XXXX and XXXX reports are over 100 points higher than Experian because of the errors they refuse to investigate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act, the following list of accounts have violated my federally protected consumer rights to Privacy and confidentiality under 15 U.S.C. 1681 : XXXX Account # XXXX ; has violated my rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX Account # XXXX XXXX, has violated my rights to Privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX Account # XXXX, has violated my rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. ( a ) ( 5 ) Section states no consumer reporting agency may make any 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 other 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.
Product: Vehicle loan or lease

I had used a loan through Toyota Financial to purchase a new Toyota Tundra from XXXX XXXX Toyota in XX/XX/2020. While speaking to the sales representative and the financial representatives, I was coerced into buying an additional security package as well as extended warranty/service items. 
After probably a month, I felt like I made a mistake by purchasing the additional bundles and I contacted Toyota at XXXX XXXX several times to rectify the issue by cancelling the services. One, I made numerous attempts to contact my sales representative, to which she never replied, and had to make several trips to the dealership to speak with someone. 
I was told that the security package was nonrefundable, and that the extended warranty services were refundable but that XXXX XXXX would not be able to do it for me and that I would have to take care of it on my own. Eventually I was able to convince them to submit the paperwork on my behalf, however my monthly payments remained the same. 
I was then stationed in XXXX and was unable to get any confirmation from XXXX XXXX whether my additional bundles were cancelled. 
Additionally, I was also promised an installation of a rear sway bar as part of my deal, but XXXX XXXX never fulfilled this requirement.
Product: Credit card or prepaid card

I have requested a reduction of the interest rate charged on my Citi Costco Credit card and have been turned down because I have been late on several payments. I acknowledge that I have been late but I have made all of my payments including late fees and am entirely current. 
I am requesting help in getting my interest rate lowered which will make paying the remaining balance much easier for me. With the current interest rate climate, it is excessive to be charging XXXX XXXX. 

What has made this complaint necessary is the difficulty in talking to anyone at Citibank. 
Wait times run into several hours on hold due to the Covid-19 problems. 

Thank you in advance for anything you can do to assist me here
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint as a formal request for investigation for fraudulent information that was found on my credit report. I am very concerned with TransUnion 's reporting. I want my financial freedom back and it is my right to have TransUnion 's assistance. 

The items that I am writing to you about are listed below. Please be sure that the items are thoroughly looked into. 

I request that you remove the following INQUIRIES that are related to fraud, removed from my credit report : 1. XXXX XXXX XXXX XXXX. Date : XX/XX/2020. 2. XXXX XXXX XXXX. Date : XX/XX/2020. 
3. XXXX XXXX XXXX. Date : XX/XX/2020. 
4. XXXX XXXX XXXX XXXX. Date : XX/XX/2020. 5. XXXXXXXX XXXX Date : XX/XX/2020. 6. XXXX, XXXX XXXX XXXX. Date : XX/XX/2020. 7. XXXX XXXX. Date : XX/XX/2020. 
8. XXXX XXXX XXXX. Date : XX/XX/2020. 
9. XXXX XXXX XXXX. Date : XX/XX/2020. 10. XXXX. Date : XX/XX/2020. 

I thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit9 Loan represents them self as a LOAN company. When you initiate contact with them they do not identify them self as a credit repair company. They claim to be a LOAN company using this loan to pay off debt. They tell you upfront all calls are recorded. Then they tell you to stop making payments to the companies they are going to pay off. They explain this will take three to four months. That's not a loan. They state this is an unsecured line of credit. However, the only reason they would say stop paying, and this will take three to four months is because what they are doing is negotiating terms with who they will contact on your behalf. they identify all information as a loan company which is extremely misleading. They claim to be a cash Disbursement Department, however if its taking three to four months there is not any cash being disbursed, instead they are trying to work out a payment plan. Their misrepresentation needs to be stopped. I am attaching the information this company misrepresents them self as.
Product: Debt collection

A false account statement with letter was made at a subsidiary of this XXXX XXXX XXXX unit facility in XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX received a DEFAULT NOTICE on XX/XX/year> stating I have a unit # XXXX With an itemized statement as follows : DATE OF CHARGE XXXX {$77.00} XXXX {$77.00} XXXX {$20.00} XXXX {$100.00} XXXX {$22.00} XXXX {$22.00} TOTAL AMOUNT {$310.00} I called ( XXXX ) XXXX to ask who the Manager of the Facility was, and nobody answers. I do not have a lease with that address. I have a lease agreement at a different storage location that goes under a similar name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX I signed up online https : XXXX for a climate-controlled unit. The company had a false advertising for the climate-controlled unit listed, and my reserved unit was then rectified to be moved from the outside unit into a climate-controlled unit, that I currently lease. It started at unit XXXX ( the falsely advertised unit for climate control online ) then XXXX moved me to unit XXXX within minutes where I utilized the unit until I needed to upgrade the unit to a larger room, unit XXXX, in which happened in XXXX around the same time my credit card got a fraudulent charge on the credit card ending in XXXX I used twice before for a truck rental that Midgard offered but was not authorized for anything further with that card. Oddly, around this same time of the fraud attack to my credit card in the month of XXXX, the unit that I currently pay for ( XXXX ) air conditioning failed and was down for weeks, where some of my high-tech equipment suffered damages. I have paid my lease on time, and I do not have an account with this subsidiary looking so-called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( dba ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX can verify my only lease agreement at the facility she manages as she currently lives upstairs of the office building. She is the XXXX who moved my unit from the outside to the inside climate-controlled unit. I brought this matte to her attention and showed her the false statement NOTICE letter, and she said just ignore it and I do not owe any money. I called the ( XXXX ) XXXX and demanded to speak to the manager only to be met with a clerk that stated she would investigate the matter. The false statement debt was then sold to a collection agency and warded against my credit.
Product: Credit reporting or other personal consumer reports

I noticed a hard inquiry on my credit report for XXXX  related to a credit card application dated XX/XX/XXXX, which does not belong to me. My account has been active since XX/XX/XXXX, so please do not alter or remove it. 

I spoke with XXXX, who stated they would remove and update the inquiry as it appears fraudulent. However, as of XX/XX/XXXX, it is still listed as an active inquiry.
Product: Debt collection

XXXX XXXX currently in a class action lawsuit for fees and over charging tenants. The house had over XXXX water leaks and it was raining in the house so I stopped paying the rent until they made the repairs as they were in direct violation CA civil code section 1941 et seq. They took me to court for the unpaid fees, we went to mediation and during mediation they told me to just accept the fees so XXXX would pay and they will make the repairs to the property and I just have to agree to pay the balance. I paid the balance for almost the year and they still did not make any of the repairs. The XXXXXXXX XXXX XXXX XXXX came out and condemned the property and we were forced to vacate the property immediately, due to the active mold and mildew that was XXXX. We lost all of furniture and lots of personal items.
Product: Debt collection

Common Wealth Financial uploaded a collection debt to my credit reports that was paid in full XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019 KeyBank received Affidavit of Identity Theft and Fraud regarding the account in question. During the course of their investigation I furnished them with a copy of my Certificate Of Offender Status as proof that I was incarcerated during that time period. Furthermore, I testified under penalty of perjury that I did not authorize any transactions in my absence. 
It is now XX/XX/2019, and after attempts to contact KeyBank to remove this item, the KeyBank account is still on my credit reports. This is a violation of the Fair Credit Reporting Act because the information is inaccurate and the account contains fraudulent activity for which I am not responsible.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I seek redress in my efforts in reaching out accordingly.
Product: Credit reporting or other personal consumer reports

To : Experian XXXX XXXX XXXX XXXX Account # XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT REMOVE THIS INCOMPLETE & INACCURATE ACCOUNT DUE TO VIOLATIONS OF THE FCRA ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE ACROSS ALL CREDIT BUREAUS!!! Closed Date : XX/XX/XXXX IS WRONG DATE!!! INACCURATE The " Closed Date '' on this Account is Completely Wrong, its over a year off, They Changed my Closed Date Multiple Times Negatively affecting the Time it stays on my report. 
ACTUAL REAL CLOSED DATE IS XX/XX/XXXX. 
THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX, THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX. 

Two-Year Payment History : INACCURATE & INCOMPLETE The absence of information in the " Two-Year Payment History '' section is notable. If there have been payments or activities within the last two years, they should be accurately reported.

Dispute Status : INACCURATE & INCOMPLETE Dispute Status says NOT IN DISPUTE, even though I Disputed this account countless times due to WRONG CLOSED DATE & other Inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account named XXXX BANK with an account number # XXXX Opened on XX/XX/2021 has inaccurate late payments reported from my credit report. This account was paid as agreed on time and violated 15 USC 1666B for reporting misleading and inaccurate late payments from my credit report.
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 my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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. The following inquiries were also opened under my social security number fraudulently as well. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


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 USC 1681. 

XXXX XXXX - {$1100.00} 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  THESE VIOLATED MY RIGHTS!!! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.