23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have an account with Chase bank, and on XX/XX/XXXX XXXX checks cleared my bank from XX/XX/XXXX. That is XXXX years ago. I contacted Chase, and they told me the check should have never been cashed as it is considered stale after XXXX months, and they assured me they would return my money. I have now spoken with them XXXX times, and they now say they will not return my money. They did give me the smaller check of XXXX XXXX, but they will not return the XXXX XXXX XXXX XXXX. I spoke to them last Thursday ( and it is in their notes ) that I will receive my refund in less than XXXX days, but now they are refusing to refund my money. 

I contacted the payee that cashed the check ( XXXX XXXX, ) and she does not have our family listed as patients in her clinic. In fact, she said the check was attached to a XXXX XXXX birthdate of XX/XX/XXXX, but that is not anyone in our family. 

I am not trying to get out of paying this check, but I simply can not remember XXXX years ago. I don't have bank records from XXXX years ago, but I definitely feel I would remember if a check for XXXX dollars was not cashed. Honestly, neither my husband or I even remember this, and we are at a complete loss. We are simply counting on some help considering the fact that that this check is XXXX years old, and we have no way to defend or verify this claim. 

I do not know if you have access to the bank 's recorded calls, but I was told XXXX separate times my money would be refunded, and it is written in their notes by their own employees. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Navient put an account in collections. They never reached out to me to verify. Ive had my other school loans in good status and they placed this in collections, without verifying if it belong to me. I would like to see if this account is truly mine, I tried to appeal it and they could never verify when or if theyve ever reached out to me.
Product: Mortgage

We took out a home equity loan with XXXX XXXX  we had a legal agreement in writing and were making payments of {$150.00} per month that were automatically taken out of my checking account every month a company called planet lending bought the loan and filed a foreclosure against my home. 
The original loan amount was {$30000.00} planet lending is demanding {$90000.00} or the home will be sold at auction. 
Our first mortgage with XXXXXXXX XXXX  is current.
Product: Credit reporting

Reporting information on which I have Never requested,,,, in which impact my Credit and Score. I have sent letter on this issue to be eliminated asap from report and they ignored. 
The company are : XXXX XXXX XX/XX/XXXX2015XXXX XXXX XXXX XX/XX/XXXX2015XXXX XXXX XX/XX/XXXX2015I have not given authorization none of this Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

check the following account that appears on my credit report, it is not mine, it is hurting me Identity Theft WESTLAKE FIN Account XXXX : XXXX This is not mine.
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 : # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX 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. 

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 or other personal consumer reports

I am submitting this statement as a victim of identity theft resulting from a data breach that exposed my personal and financial information. 

On XX/XX/year> I was notified that my personal data, including my Social Security Number, was compromised in a data breach involving Equifax and XXXX. Following this breach, I discovered unauthorized activity related to my credit.
Product: Checking or savings account

I first tried to open an online savings account with Marcus by Goldman Sachs on XX/XX/2022 around XXXX XXXX. They requested that I need to call them up for further clarification. On the call, I was informed that my application to open an account was declined but the representative refused to give me a reason why the account was declined. They asked me to try calling them again in their normal working hours and maybe I could get some more information on the reason of rejection. 

I called them again on the morning of XX/XX/2022 at XXXX XXXX, but I had lost my application reference ID from last night since I accidentally closed the tab. I asked the representative my next steps, and asked if they could do a manual evaluation. They asked me to do a telephonic application which would then be followed by the manual evaluation. I provided all the information to them, and during the evaluation, I was declined once again and once again, I was refused any information on why my application was declined due to " security reasons ''. I asked if they use XXXX or XXXX XXXX XXXX to verify my identity so that I can fix any errors on my file with them. Once again, I was refused any information on this matter. I believe it is a federal right for banks to disclose the reason for declining to open an account, and I understand that maybe they could not have done that over the phone. Hence, I am writing this application to try to obtain the information via proper channels. 

I understand that under the Patriot Act, it is now more difficult for foreigners to open bank accounts. I am a citizen of XXXX and I have a valid passport along with all other documents. I would like to point out that I was never asked for a copy of my passport, lease agreement, utility bill, or any such document to further verify my identity. I am more than happy to furnish more information. 

Please let me know my further steps in this regard. I simply wish to keep my money in a savings account, and I would like to know if there are any errors on any of my reports so that I can fix it in the appropriate place.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an item on my credit report that I believe to be fraudulent. Upon reviewing my credit report, I noticed an entry that I did not authorize : Account Name : XXXX XXXX Account Number : XXXX. Date Opened : XXXXXX/XX/year>. This account is not mine, and I have not engaged in any activity associated with it. I suspect that my personal information has been compromised. I have included the following documentation to support my claim : A copy of my FTC Identity Theft report In accordance with the Fair Credit Reporting Act, I request that you investigate this matter and delete the fraudulent item from my credit report as soon as possible. Please confirm in writing that the item has been removed and provide me with an updated copy of my credit report.Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Prepaid card

Over the last 3 months I have been trying to use this AMEX gift card I got from my work as a Christmas present. It has been declined every time. I finally called Amex and they said it should work now. I tried it again twice and it still is declined.
Product: Student loan

I have been working with non-profit companies as a XXXX XXXX for 10+ years. I made my 120th PSLF payment in early 2024. I submitted a final Employment Certification Form ( ECF ) and Application for Forgiveness on XX/XX/year>. It has been " in review '' since this date. 

Per my research, Studentaid.gov is processing electronic PSLF Help Tool ECFs within 72 hours, but is not processing manual forms at all.

My current employer ( XXXX XXXXXXXX XXXX XXXXXXXX ) refuses to sign the PSLF Help Tool electronic form, and will only sign the manual PSLF ECF.

I have sent multiple requests for Student Aid.gov to process my manual ECF form in a timely manner. They keep saying wait.

This is a formal complaint about the lack of timeliness in processing my form. I have earned forgiveness through 10+ years of non-profit work. This delay in my form processing is affecting my employment options, and it is affecting my life.

Please help me by pressuring Studentaid.gov to process my form. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

the company 's below have violated my rights. 15 USC 1681 SECTION 602 A 15 USC 1681 SECTION 604 A SECTION 2, 15 USC 1681c ( a ) ( 5 ) company had also NO PERMISSION to report ANYTHING USING MY INFO PURSUANT TO XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX
Product: Debt collection

They have attempted to contact my partner by phone multiple times and the first time discussed my debt information with her directly without my written permission ( which they require ). They have called her five times over the last 5 months to get payment for my debt, a few of them she missed because she was at work. The number they have been calling, which I submitted, is not my phone number. They have also only sent me a couple letters since they acquired my debt sometime last year before they took legal action against me. I did inform them, months ago, that I would have the money to pay in full when I got my tax return. 
I was not aware that they were not allowed to contact others for my debt until recently. Because of this improper communication/ miscommunication, I feel that their current legal action is unfair regarding the timing. 
I'm attaching a screenshot of the call log/history from this company.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 or other personal consumer reports

I would like to file a formal complaint against synchrony bank for reporting false information to the credit bureaus. I had a credit card account with synchrony bank for a few years that was never late and never missed a payment. synchrony bank/PayPal made an offer for me to join a program where I could pay off my credit balance off at

0 % APR with no fees added to the account with a low monthly payment and if I was to enroll in this program I would agree to close the account.

I agreed and enrolled. The account closed and when reporting to the credit bureaus, it reported the account as closed, and the remarks on the account was account closed by consumer. This account has been closed for a few years now which is regular updating to the credit bureaus of payment history, but until recently synchrony bank updated the remarks on this account from account closed by consumer to account closed by creditor, which is not true. Ive asked synchrony bank several times to update synchrony bank did update it, but then switched it back. Synchrony bank has updated this account with remarks three separate times and each time the account is updated to the correct information. Its it automatically goes back to reporting and accurate information. This is affecti
ng my credit score drastically please resolve this immediately.
Product: Debt collection

They are saying that i need to pay or they will send me to court. Fistr they said they were calling from the county then they said they were from the city council.. and that they have a dock number and they need to serve me papers.
Product: Money transfer, virtual currency, or money service

Reference : Coinbases transfer to FRAUD SCAM Brokers : XXXX. I would like to bring your attention to a serious issue I have with Coinbasewires that first took place on the XXXX of XX/XX/2019. I have been victimized by a multilayered scam operation orchestrated byXXXXs - the Company. The funds were transferred utilizing Coinbase   's services in the total amount of XXXX XXXX! I would also like to point out that on the XXXX of XXXX XXXX I filed a dispute with Coinbase.
Product: Mortgage

I paid my mortgage in full. My mortgage was sold right under my nose and then Caliber who have my mortgage is telling me that I now owe XXXX. I they raised my payments to XXXX after paying XXXX all of those years. My mortgage is a XXXX account. They are stealing!!! There is no recording of the sale of my home and no promissory note. Now Caliber has been reporting a 120 day late payment on me every month and I have made payments that I do not owe every month. I have all of my bank statements showing that I have made payments every month and finished paying for my home and now Caliber who has no legal right to my information is ROBBING ME!!!
Product: Credit card or prepaid card

Got a charge for {$260.00} from a company XXXXXXXXXXXX  I never made this transaction. Another two charges from writing services Called bank of america claims department everyday for three days stayed on the line for five hours nobody picks up. 
They dont have anybody working on this line clearly. 
If you have an EDD prepaid card I highly recommend you pull out all your money do not let this bank hold your money
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my last credit report in XX/XX/XXXX, and my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1 ) XXXX XXXXXXXX XXXX XXXX ; Date of inquiry : XX/XX/XXXX Please be advised that I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please also be advised that I sent a certified and written dispute with a copy of my drivers id and social security card to verify my identity, ( see attached ) in disputing of the above fraudulent inquiries, and as of yet, over 30 days, and this information is still on my credit report in violation of Fair Credit reporting Act Section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX 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 got into the hands of the wrong person.
Product: Mortgage

I entered a forbearance plan in XX/XX/XXXX because I my finances were negatively impacted by COVID-19. In XXXX of XXXX my job was terminated, and I was unemployed from XX/XX/XXXX to XX/XX/XXXX. I began working with my current employer on XX/XX/XXXX as a full-time employee, and my annual gross income is {$100000.00}. 

I have been in contact with my servicer, Specialized Loan Servicing ( SLS ) since XXXX of XXXX. I have submitted multiple mortgage assistance applications to have my loan modified, deferred, or put on a repayment plan. In the applications I submitted in XX/XX/XXXX and XX/XX/XXXX, I included all required paperwork, including pay stubs, tax returns, and bank statements. 

My monthly mortgage payment is {$1500.00}, the total amount owed is about {$33000.00}, my monthly gross income is {$9000.00}, and my monthly take home pay is about {$6000.00}. I'm also applying for the Virginia Mortgage Assistance fund. 

So far, SLS has refused to offer an assistance plan that lets me keep my house. They have refused to put the total amount owed in defferment, set up a repayment plan, or modify my loan with a 3 month trial period. I have shown sufficient income to begin making monthly payments, but they are threatening to forclose my house. 

They also reported my mortgage as deliquent to credit bureau agencies, even though I applied for assistance. I have had multiple SLS representative state that SLS won't move forward if I'm applying for assistance, but they have destroyed my credit score and made it nearly impossible to find financial resources to pay the lump sum owed. 

Note : I have the names, employee IDs, and date of contact for the SLS representative I talked to. I have also been in contact with a HUD-approved housing counselor.
Product: Checking or savings account

XX/XX/year> XXXX XXXX  I was replenishing money into my debit account at an ATM at Bank of America and at the last stage of replenishment the ATM turned off and the money was not credited to the account. The replenishment was in the amount of {$730.00}.
Product: Mortgage

Request mortgage assistance for my home several times for my mortgage. I have had XXXX, 2 times. My mortgage company has not tried to help me keep my home and give me mortgage assistance. BSI has mailed me a letter stating the investor XXXX XXXX does not want to help me with mortgage assistance. I don't want to lose my home
Product: Checking or savings account

Discover Bank wrongfully closed multiple checking accounts I open with them and also wrongfully labeled them as being opened fraudulently. 

I also received multiple emails and letters stating that there was " suspicious activity '' on my account. Which was also wrong, incorrect & untrue. 

Discover is continuing to provide false information While wrongfully closing my account. I have attempted to speak with someone on the matter and still have not received a call back as promised weeks ago. 

The information I continue to receive from Discover Bank is false, misleading and harmful.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i sent dispute letters to XXXX XXXXXXXX, and equifax to verifiy these unfamiliar accounts and inquires on my report. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX XXXXXXXX, and equifax are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that XXXX XXXX, and equifax post on a credit report. I demanded to see verifiable proof with my signature that XXXX XXXX, and equifax have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if XXXX XXXXXXXX, and equifax are unable to provide me a copy of verifiable proof like a contract with my signature 30 days after my dispute then XXXX XXXXXXXX, and equifax must remove the account listed below. it is now XXXX almost 60 days since i sent my letter and they haven't even responded by law they must remove all accounts and inquiries listed below. 
The following accounts and inquiries is not mine and needs to be deleted XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 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

The XXXX and TransUnion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened XXXX XXXX, 2021 Balance : {$280000.00}
Product: Student loan

I have 4 private student loans with Navient. They are so extremely difficult to deal with. I have lost income with the economy being so bad. I am trying to save every penny to pay my mortgage, and I don't have enough money to pay my private student loans also. I called them, they do not have an forbearance options for me. Since rates have increased the last time I spoke with a different woman and they said that they could sign me up for the interest rate reduction program HOWEVER, since rates have increased it would have only increased my payment from the Interest rate reduction program payment that I was already on of $ XXXX.a month. Now the program expired and I am not on a program at all and my payment is over {$800.00} a month. They just took the {$800.00} out of my account when I NEVER authorized them to do that and my bank bounced the check because there was no money in the account. I had only ever authorized the {$320.00} payments until the end of the program and it ended last month. 

I got one of these loans almost 20 years ago. The interest rate is over 13 %!! I DID NOT even take this loan out. The school I was attending XXXX XXXX University ( XXXX XXXX ) had me sign a paper they said that they were going to get me grants. They NEVER said anything about this student loan. I would have NEVER obtained a 13 % interest rate! it was not until I quit that school and then I found out I owed money. I have been paying this student loan since XXXX. I still owe more now than the loan was ever originally taken out for. 

If you look at my loan paperwork my rates are at 13.875 %, 11.25 %, 11.25 %, and 9.25 %. AND it shows that my rates are VARIABLE. If this is not an example of predentary lending I DO NOT KNOW WHAT IS. I owe them {$92000.00} And I have already been paying them since XXXX!!!! I attached the complete loan history of just 1 of my loans with Navient.