23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was sent a mail in my box that I was pre-selected to apply for the Citi Double Cash card. Ordinarily, I wouldn't have applied because I knew the impact it could have on my credit score, but because I saw the letter read that I was pre-selected, I applied. Upon applying, I was surprised that I was denied, and I wondered why they would deny me if they were the ones to invite me to apply in the first place. I felt led on by the unsolicited letter I got from them.
Product: Student loan

I think that XXXX XXXX had a security breach in there system. I have been using the same account for over two years now to pay on my daughters student loans and last week I went on to our account and was unable to log in. I contacted XXXX XXXX and they told me that I was using the incorrect username and password. I explained to them we only had the one account. They then gave me my username that I never had and I had to create a new password. Once I was able to gain access to the account I went to make a payment and all of our bank account information was gone. I contacted XXXX XXXX again and explained this to them and they told me I would need to re-enter my account info which I attempted to do but it would not allow me to do that so I called them back and they got myself and my daughter on a conference call and they told her that her account was closed due to inactivity which was under the original username and password that we have been using since we opened the account. At this point we are unable to access the account and our personal bank information is floating around somewhere in there system and now they want us to start a new account and resubmit all of our bank information again. In the mean time our loan is accumulating interest and I'm unable to make a payment. could someone PLEASE help!!!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/2016 and a balance of {$2100.00}. 

It is to my understanding that this account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX  purchased my mortgage from XXXX XXXX. 

On XX/XX/XXXX I received multiple alerts from my credit monitoring services that I had received a hard inquiry on my credit report. This was performed on Equifax Mortgage Services ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, IA XXXX ; XXXX ) on behalf of XXXX XXXX  ( XXXX XXXX XXXX, XXXX, VA XXXX ; XXXX ). 

On XX/XX/XXXX or XXXX I called XXXX XXXX ( XXXX ) to report what I believed to be a fraudulent pull of my credit report. XXXX XXXX  mailed a letter dated XX/XX/XXXX indicating that they were investigating the report ; XXXX XXXX  mailed another letter dated XX/XX/XXXX indicating that they researched my account and found nothing wrong. I also received a letter in the mail dated XX/XX/XXXX " Notice to Home Loan Applicant '' with XXXX and Equifax 's contact information and my credit scores. 

I called XXXX two times on XXXX. On the first call, XXXX 's mortgage department told me that I would need to take this up directly with the credit bureau. I called XXXX  who told me I needed to request a " letter of deletion '' from XXXX or my local police station. I called XXXX again on XXXX, and the individual I spoke with indicated that they did not have a record of pulling my credit in conjunction with my existing mortgage, but that I should talk to their loan application department to see if there was a loan application there. 

I then proceeded to call Equifax Mortgage Services directly, and they told me that I'd have to request the letter of deletion from XXXX, but that they were requested to pull the credit in conjunction with my existing mortgage with the " loan number '' aka my existing mortgage with XXXX, the same loan number that XXXX denied that any credit pulls were associated with. 

At this point, XXXX is still refusing to admit that they performed a hard-inquiry on my credit report, despite it being reported on all three credit reporting sites and confirmed by their servicer, Equifax Mortgage Services.
Product: Student loan

I have been attempting to get the remaining loan forgiven through the Public Service Loan Forgiveness program, unsuccessfully. It seems that Mohela has not updated their payment counts and as a result, I haven't had the loan forgiveness that I am due. The issue is that there is a large block of payments that have been made, and were qualifying, but haven't been applied to my account. What's somewhat odd about this, is that there have been payments prior to this block of time that have been applied, and a block of payments after this time period that were applied, but for some reason there is about a seven year block ( some of that time I was in school ) that counts weren't being counted. I pulled all of my student loan payment records through the FOIA and have included screenshots of the qualifying payments that I've made, as well as a screen shot of Mohela 's payment count.

I have also reached out to my Senator and asked them to inquire on my behalf. Information was sent to them on XXXX XXXX, and I have not heard anything back yet. 

Multiple attempts to inquire with Mohela have gone unanswered in that they can not seem to understand why those counts haven't been applied yet. They refer me to FSA - Federal Student Aid indicating that FSA is responsible for informing Mohela what payments should be applied. When I call FSA, they refer me back to Mohela indicating that Mohela is responsible for the payment counts. No one seems to be able to find any answers here, and as such, I hopeful that CFPB can. 

Screenshot 12 - That is a picture of my payment counts in Mohela - You can see the gap in counts, as it goes from XXXX to XXXX. 
Screenshots 13 - 17 should prove that the payments were made, and were qualifying. Further, these payments would push my count over the 120 payment count for my last loan and it would be forgiven. My student loan should be forgiven due to PSLF.
Product: Debt collection

I responded to a letter they sent me regarding an indebtedness, With an explanation of my situation with also a payment towards the debt, In that letter I clearly stated to stop all phone calls. They are continuing to call on both my cell as well as another number
Product: Money transfer, virtual currency, or money service

On or about XXXX XXXX, XXXX, PayPal sent approx. {$29.00} to " XXXX XXXX XXXX '' that was supposed to give me " criminal records '' for a woman harassing my XXXX  father. They promised criminal records were found/available, but were unable to provide any, AFTER taking my money. I asked for a refund, provided proof of not only bait-and-switch but also false advertising. Yet PayPal refuses to give me my money back. 

PayPal again abused me when they refused to refund me {$50.00} charged by XXXX XXXX on or about XXXX XXXX, XXXX. This is despite me sending them proof that I had requested a cancelation of service approx. 48 hours before the automatic rebilling occured for a subsequent month of very sub-standard cell phone service. I did not use the services sold for such a high sum of money, either. 

In addition, that approx {$80.00} that should have been refunded to me long ago has caused me to skip meals as I can not afford groceries at this time and any response to paypal is met with " you can not email us at the address we emailed you from '' kind of XXXX XXXXXXXX.
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 U.S.C 1681. 

Has Violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 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 card or prepaid card

I purchased a cellphone for my wife for XXXX from XXXX. The phone did not work. The told me to send it back for refund in which i did and they refunded my XXXX $ back to my XXXX gift card. I asked them to put the funds back on my original payment method which was MasterCard but they said they could not transfer balances to another account so i filed a dispute with my bank. They requested all documents supporting my return and refund in which i did. MasterCard made the XXXX $ available and took it back as i was attempting to purchase the phone from my phone company in which the transaction was declined. They told me that it was not available because i had not won my dispute. They then made XXXX $ available in which i withdrew but then said that it was not available because i did not win and XXXX did not refund the money so they are charging me again for the XXXX $ i withdrew. MasterCard is saying that XXXX is saying that i never returned the phone but i emailed all documents supporting the return and XXXX gift card refund. I know that XXXX refunded the money but they are saying they didn't and still charging me for the XXXX $ in which I'm still owed.
Product: Student loan

I have called Navient several times to resolve this issue but can not get to a real person to discuss this and keep getting advised by an automated system that I owe {$0.00} ( even though money is being taken out of my bank account monthly to pay them off ).

I have recently switched my primary bank account to another bank, and with this have been trying to close my previous account. However I fear that I can not as I tried to contact Navient to have my auto-draft payments come from my new bank account so I can close the old one out. There is no option on their website to do this, nor has anyone been able to do this on the phone. This doesn't seem legal at all and should allow an option to change your bank account if need be.

I'm infuriated with Navient for this as well as their lack of documentation on loan details, but this shouldn't be allowed to go on without consequence or resolution. 
Thank you.
Product: Credit card or prepaid card

My issue goes back to XX/XX/XXXX. I have made payments and if you look you can see how I was creditied the payment then they charged back the payments at vaious different occassions. All my payments have always been by phone only. I do not make them online ever. I now have a judgement placed against me but never received anything stating this was going to happen. The 2 amounts in question that have been recurring credits and charges are {$620.00} and {$1800.00}. The first payment of {$1800.00} was paid by phone on XX/XX/XXXX. The next payment in the issue was from XX/XX/XXXX {$620.00}. There have been credits and charges showing the payment sections for these 2 amounts. I am not sure how this happened in their system but I don't owe anything. I did speak to someone at Syncrony in XXXX or XXXX of XXXX to set up a dispute about this. It was never addressed by them. Everytime I have called the company I just get transferred from person to person and then get convenienty disconnected. I filed a cliam with the XXXX  which I will attach to the complaint with all credit card statements also.
Product: Credit reporting or other personal consumer reports

Inaccuracies on my credit report remain unresolved despite multiple disputes submitted to XXXX, Experian, and XXXX. These credit reporting agencies have failed to address the issues I raised and continue to report incorrect information that affects my credit profile. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) Outdated information is still being reported, even though it should have been removed as per FCRA guidelines.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The agencies failed to conduct a reasonable re-investigation of the disputed information and did not provide sufficient evidence to verify its accuracy.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus neglected their obligation to ensure the maximum possible accuracy of the information on my credit report, leaving unverified and inaccurate data. 

I urge the CFPB to investigate these violations and ensure the credit bureaus take corrective actions to resolve the inaccuracies and comply with the law.
Product: Checking or savings account

In XX/XX/XXXX I had a personal checking account with BECU - in addition to this, I was co signer on my mother 's account, as I was her caregiver and she was on SS XXXX. 

A fraudulent and highly deceptive company obtained a judgement against me without due process of law ( I was not served any documentation ) and they garnished my mother 's account, BECU knew the only deposits made to my mother 's account were SS XXXX checks by automatic deposit. 

Because of this, I closed my account and and my mother passed away in the same month. 

In XXXX I opened a business account with BECU. I attempted to apply for a secured credit card but the teller mistakenly opened a personal savings account. I let it sit there for a few months and decided to stick some money into it. 

In XXXX of XXXX I was finally ready for an automobile loan and applied for one with BECU. First I was approved, and then denied because they said I owed {$38.00} from XXXX of XXXX. I asked them how come I didn't know about this, and they said because they had written it off. They also said they were going to close down my savings account in 30 days. 

Per the WA Statute RCW 4.16.040 gives written contracts and accounts receivable a statute of limitations of 6 years before the unpaid debt becomes time-barred. 

It seems to me this would protect me from any further grievances for a mystery debt I had no idea I owed, also how could I close an account ending with a zero balance and now they are saying I have a debt with them?????? 

Is this discrimination?
Product: Credit card or prepaid card

i was at Old Navy XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, NY ) around XXXX and the cashier mislead me and applied for a credit card. 

what happened : when i was paying for items i was buying the cashier ( XXXX ) asked me if i would like to get 20 % off in the next three weeks. i said yes. he showed me a flyer i saw the 20 % ( did not hand it to me or gave me enough time to read the flyer in its entirety ). he did not mention it was a credit card. he continued to tell me i can get the discount at Old Navy, XXXX and XXXX XXXX and i would need to enter my SSN. I did, and i was asked to enter again. asked for my ID, and i gave it to him. it took longer than i thought, i asked him is there a problem, he said no. i again asked him if i have to pay extra to get this 20 % off- he said no. however he said the process didnt work and i will receive a letter in the mail. cashier XXXX never mentioned he was applying for a credit card for me or running credit. 

i had no idea, i was mislead to apply for a credit card i never wanted, until i told my husband about this few mins after. we both went into the store immediately, spoke to a manager ( XXXX  ) about what happened. she said she cant reverse what happened and i would need to call Barclays. we explained to her this was wrong and XXXX is taking advantage of vulnerable/less knowledgeable customers just like me. she understood, told us she will investigate this incident. 

I moved to XXXX in XXXX and relatively new in the country. however i was advised by my husband to say no, whenever a store rep/cashier asks me if i wanted to apply for credit card ( because we have enough credit cards ) for example same day few hours earlier, i was at XXXX 's and the cashier asked me if i want to apply for a credit card to earn points and i said no. 

Old Navy employee never mentioned the word credit card or credit. i believe this is simply fraudulent and wonder if this is Old Navy 's usual practice. 

I called Barclays and managed to withdraw the application. i then contacted Old Navy several times to tell them to remove the credit inquiry they made without my consent. they said they dont have a relevant department for such complains and nothing i can do at this point. 

I would like to report this to CFPB and get the un authorized credit inquiry from credit reports
Product: Debt collection

My name is XXXX XXXX. I am sending this compliant in regards to LVN Funding & Resurgent Capital. All alleged accounts that you are falsely claiming that I owe with no proof that Ive asked for. I contacted both companies which is represented by one company due to the fact that they violated my rights under the FDCPA and continued to harass me with phone calls at unpleasant times of the day and continued harassing me calling family members of mine, also I sent a certified copy of a cease & desist letter so to the harassing and threatening phone calls to collect an alleged debt accusing me that I owed. I sent in several certified documents asking for the companies to prove several things within the FDCPA laws along with the UCC & Constitutional laws which protects a person from harassing debt collectors violating their rights. I would like for the alleged debt be validated by providing the original contract with XXXX XXXX wet signature not anyone other than XXXX XXXX not XXXX XXXX, provide proof of ownership of the alleged debt that you are falsely accusing me of owing. If you cant provide any proof please remove immediately from my credit profile within 30 days or less. I have never opened any accounts or did any business contracting with these companies that allegedly claim I owe for the accounts listed in the attachments below. The date on the accounts are false and knowingly they could face charges under the FDCPA for several violations.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>XXXX  our loans were transitioned from Mohela to Mohela.studentaid.gov as a new servicer by direction of the Dept of Education. Now I have my old loan balance with Mohela and the new balance with the new loan/servicer showing up on my credit reports, doubling the amount of debt I have and forcing an inaccurate XXXX  when I am in the middle of a mortgage refinance. This is absolutely unacceptable and should be ILLEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

The judge issued orders in my divorce decree XXXX XXXX XX/XX/XXXX date of court entry that my ex was ordered to pay XXXX ( XXXX ) off on XX/XX/XXXX, date of the home sale with those funds. It was left delinquent 90 days into XXXX and is on my bureau reports. I attempted to contact XXXX myself and they assured me that my name was not on this account, however that was all they could tell me, so how was this then reported as my delinquency? I sent complaints to all three bureaus full of documentation. They never responded and never removed it. XXXX sent a copy of my report with the XXXX account entered twice, once correctly and never replied to removing the incorrect one. They have her new address on my report in XXXX, her family home in XXXX XXXX and other homes I've never lived in. They also don't list three paid off homes, another in XXXX, TX, 10 cars, 50 credit cards, or student loans for three degrees.This false information is causing rejections and inquiry alerts that continue to mount as she continues to do whatever my ex is doing. 
I also sent XXXX a certified letter-to XXXX XXXX at the NY Corporate office asking why the XXXX account is closed. I lost XXXX in bonus XXXX money with the loss of this card. The tracking number is XXXX XXXX sent on XX/XX/XXXX. I received no answer and no {$500.00} in earned money. Their people applied my payments from a checking account they entered incorrectly-one digit off and charged me XXXX per error, and I paid it immediately on the telephone with my acct number in hand-no problem. THEY WERE ADVANCE PAYMENTS. I went to their XXXX XXXX location and no one would help me. I want my money that I deserve, My bureau shows never late and I never receive If it was investigated it would have been repaired! 
I am a highly educated man of means and I demand they repair their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pointed out, highlighted all the inaccuracies that is in this report, this is a single negative item on my report and it is inaccurate. There are a lot of missing information to tie this to my name. I need to see the docs that the creditor sent to you were used during the investigation to make the determination that this account is accurate. No Proof? Then you can not report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX depressed now.with no help.