23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Student Loan : I have reached out to XXXX XXXX XXXX in XXXX XXXX XXXX and XXXX XXXX XXXXXXXX about my loans and the incorrect reporting since my loan went into forbearance late XXXX. I was told they would never ( and could never ) submit to change their error, regardless of fault. The maximum amount borrowed was less than {$75000.00}, but it is reported as over {$86000.00} that I borrowed, when that is not true. The line of credit was {$75000.00}, so that is not possible. I have made payments every month that they have been due and have not been delinquent. 
I called XXXXXXXX XXXX XXXXXXXX again on XX/XX/XXXX and was told they would write to collections try to fix the issue. They stated that - on their end and in their system - my account shows it was closed in XXXX XXXX XXXXXXXX, with a maximum possible credit amount of {$75000.00}. They also informed me that they sold their loan to another lender that they called collections, which explains the incorrect reporting. I am not even the owner of the account, just an authorized user. My account was never Delinquent to go to a collections agency. 

XXXX XXXX XXXX XXXX XXXX XXXX : I suffered from XXXX and XXXX  XXXX from XXXX XXXX XXXX I called XXXX XXXX XXXX and discussed closing my credit card with a monthly payoff payment. They informed me they can not close it, but reduced my payment from over {$80.00} down to {$47.00} and then sent me a letter telling me that paying $ XXXX won't pay off my card for 10 years. They also still reported XXXX - XXXX payments as delinquent, even when XXXX XXXX said it would not be reported because I paid the new minimum and kept up with payments/informing them. XXXX XXXX also informed my on XX/XX/XXXX that my XXXX payment was returned and threatened to go back and report it, even though I still paid it within the grace period. My debt has been increasing to a point I can not keep up with, and I informed them that it is keeping my credit score from being able to have a roof over my head. They still have not closed my credit card account.
Product: Credit card or prepaid card

Chase Bank advertised the XXXX XXXX XXXX XXXX last autumn in XXXX with an introductory " welcome '' offer of XXXX XXXX " avios '' ( air-miles ) after spending {$3000.00} in the first three months. 

I applied for and received the card in XX/XX/XXXX and quickly met the minimum requirements. Chase Bank awarded me the XXXX miles in XXXX, XXXX and my Chase Bank credit card statement shows that Chase transferred the miles to my XXXX XXXX frequent flyer account on XX/XX/XXXX. 

On my XXXX XXXX frequent flyer account, it shows that the XXXX miles were NOT received. They are missing. 

I have tried MANY times by phone, by web support ( help-tickets ) and via XXXX with both Chase Bank and XXXX XXXX to rectify this situation. In every case, Chase says it's not their responsibility ( even though they are the card issuer and offered the welcome promotion ) and directs me to contact XXXX. When I try to contact XXXX, it's almost impossible to get any response and no way to speak with a human. All electronic attempts to resolve this are met with instructions from them to go talk to Chase Bank about missing rewards. I have the history of electronic responses from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX conversations spanning XX/XX/XXXX XXXX XXXX.
Product: Vehicle loan or lease

The short version is that Hyundai will not send my title info to the DMV in TN. They keep saying they are rejecting it becasue they don't have the address ( they never tell me it has been rejected, they just say to call back sometime to check on it ), but the address has very clearly been sent to them 4 times this month ( they have acknowledged receiving other information in these emails however ). You can not speak to a title agent, only some largely clueless regular phone agent who they have not properly equipped to address these issues. This is the kind of nonsense that XXXX keeps getting knocked for, not sure how or why they make this so hard. The internet it full of these stories and I truly hope Hyundai starts getting sued and fined for this. 
They sent an email detailing what they needed ; I copied it and replied with all of the information they requested.
Product: Student loan

I 've been paying on my student loan since 2007 at 9.5 % interest to Navient ( Account # XXXX ). I called them about 2 months ago when I noticed not even half of my average $ XXXXmnth payment is going towards interest. They were aloof and never acknowledged the discrepancy. Only after understanding they were n't going to help me understand this or do anything about it, I threatened to complain. Again, they could care less. Since seeing that Navient is being sued for reasons such as this, I finally understand why they treated me the way they did.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00}
Product: Consumer Loan

I current have a loan with Exeter Finance Corp. I have a 10 day grace period after due date however they continually call my cell phone and harass me. I 've explained I have been ill and to please not call me continuously back to back however they continue to do so. I have received XXXX calls from them today alone.. When I have specifically asked to not call me again they will call back and hang up on me. How unprofessional is that! My ten day grace is not up yet they call and harass you. You call and ask for help because you just have XXXX but they say ... Sorry your account is not late until ten days after due date so you have to wait till then yet they call you everyday to harass you even after you ask them to stop.
Product: Student loan

Nelnet has had since my initial application which was submitted in XXXX, to process my SAVE application. I have received no word other than the status is " pending, '' meanwhile they are charging me as if I was on an IDR, which is significantly more. I was able to scrape enough to pay the inflated amount in early XXXX, but got another bill for XXXX which was expecting the same amount. I logged into my account to see a notification that said Nelnet " required a payment '' from me before they would process my SAVE application. I had made a full payment on IDR at this point. The notification also referred to an email which I never got : " Please refer to the letter or email we recently sent with details about the payment amount ( s ) needed. '' I never received any letter. So I called the line last week, spoke to someone who instructed me to pay XXXX dollars. I asked them why my full payment did not count as a payment to process my SAVE application, and they put me on hold for many minutes, and then told me that it did and that they'd annotated my account. 

I am now logging in today to find myself still being charged for IDR rates, my Nelnet account still waiting for another payment ( which I caved and made today of an additional XXXX dollars ), and the status of the SAVE application completely unchanged. 

I have also NOT been offered administrative forbearance from this servicer for this loan as they process SAVE applications en masse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit reports, and I notice there are unauthorized credit inquiries made by ONEMAIN FINANCIAL on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau and customer relations department to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing a credit inquiry ; with my signature, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX Filed a complete and Accurate Dispute with Equifax XXXX and XXXX letting these credit agencies know that Im a victim of identity theft and I demanded them to remove all credit inquiries I also demanded Equifax to remove a fraudulent collection from my personal credit report in the amount of {$4400.00} from XXXX XXXX XXXX and all inquiries which are fraudulent which I sign in and demanded a dispute so Equifax are aware Of the Dispute Equifax did not investigate nor did they remove that fraudulent account from my personal credit report After sending in a Filed police report theft affidavit driver license and proof of address Equifax also acknowledge the receipt of my documentation however Equifax did not remove or block that information from appearing on my personal credit report According to 605B after a knowledgeable of documentation those items are supposed to be blocked from appearing on my personal credit report Currently as a XX/XX/2022 The judge ordered Equifax and XXXX to pay me {$1000.00} per violation Equifax is still failing to remove those fraudulent items and collection and anchorries as I stated before now this situation is going into Federal Court Also XXXX is still reporting negative and fraudulent information Accounts are : ( 1 ) XXXX XXXX ( 2 ) Possible finance in amount of {$970.00} Also ( 3 ) XXXX XXXX also XXXX is reporting fraudulent and inaccurate late payments From possible finance XXXX & XXXX XXXX Also XXXX did not remove XXXX XXXX XXXX. XXXX  XXXX from my personal credit report which is fraudulent according to the fair credit reporting section 605B any consumer that identifies identity theft shall demand Credit agencies to remove or block that information from appear on their personal credit report however Equifax and XXXX Failed to protect my consumer rights Also XXXX  did not complete a Full investigation banks that are being fraudulently Reported is XXXXXXXX XXXX XXXXXXXX XXXX  And all inquiries Which XXXX XXXX  is already aware of and I have already supplied documentation and FULL COMPLETE dispute
Product: Credit card

My long time in good standing credit card called Citi double cash card had an unexpected jump in my interest rate due to 1 recent late pymt this past XXXX. This acct had one missed late pymt in error. I feel Citi used this as excuse to raise my rate which is not affordable and is at 29 %. I can't afford this. Any help appreciated. I have since made all on time payments the past 3 months but they won't lower my rate. Can you help. By the way they know I have good credit and low risk they gave me different card this year was approved.
Product: Debt collection

Today XX/XX/2022 at XXXX wells fargo had a unauthorized party attempt to steal my property causing a breach of peace and destruction of personal property in an unlawful attempt to collect on an alleged debt. I was woke out of my sleep by the loud tow truck and was given false and misleading information by the unknown party attempting to steal my property. The harassments and abuse by wells fargo has caused me financial and mental injury violating federal laws. I am a federally protected consumer and administrator in fact pursuant to 15 usc 1692c ( d ). Wells fargo is blatantly using abusive conduct to harass and abuse me the natural person by use of threats, damaging my consumer report, and damaging property pursuant to 15 usc 1692d ( 1 ). The unknown party and wells fargo are using false, deceptive and misleading representations and means to try to collect on an alleged debt violating 15 usc 1692e ( 2 ) ( a ), 15 usc 1692e ( 4 ), taking action that cant legally be taken under 15 usc 1692e ( 5 ). Wells fargo purchased a defaulted contract and using false representations that the transfer of interest attempting to make me subject to the prohibited practices conducted by these companies. The non judicial actions being taken where there is no present right to possession due to it being exempt by law from such dispossession or disablement is illegal. In closeing i have sent wells fargo multiple cease and desist notices which they have violated. Wells fargo has also reported this account as a charge off months ago and shortly after there where 1099c tax forms that were to be filed and I have yet to recieve a copy of. I am well aware that attempting to collect on a charge off account that was reported to the irs is tax fraud and is a major crime along with the mail fraud under 18 usc 1341 and a violation of 18 usc 894 by attempting collection of extensions of credit by extortionate means. If i unknowingly consent to be responsible to perform on this alleged debt I HERE BY RESCIND MY CONSENT TO PERFORM on this alleged debt as of today XXXX XXXX XXXX without recourse ) ucc 1-308. Further more this is another written notice to cease all unlawful activities and collection efforts pertaining to this alleged debt and account.
Product: Credit reporting or other personal consumer reports

PLEASE FIX THIS FRADULENT HARD INQUIRIES ON MY CREDIT REPORTS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  show as 90 days late from XXXX, XXXX, and XX/XX/year>. I have always been paying on time since beginning of the loan period, and I wish this to be removed from my credit reporting immediately. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I notice an account was reporting inaccurately. I had multiple late payments on an account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. Ive attached a copy of a consumer report to this complaint in the following dates : XX/XX/year> & XX/XX/year>. Also this information is not consistent with all consumer agencies ; as XXXX, XXXX and EQUIFAX are reporting different information ; in regards corresponding months and the number of days late. Im requesting you investigate and provide verifiable proof with records showing I have late payments. If this information can not be verified, i demand that these payments be updated to on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

Chase bank has denied a claim for fraud on services not rendered. For a claim that is {$1200.00}. I didnt receive the services and they dont care because the company had my account info. They were paid so of course they do but the didnt actually do the services. I am hoping to get the reversed before they come out of my account on XX/XX/26.
Product: Checking or savings account

I have an account with Prosperity bank. The bank keeps taking out outrageous overdraft fees and its causing a financial strain in my life. I have never heard of being charged {$140.00} for a overdraft. Then each day they still charged me different amounts of overdraft charges. I dont know how they expect me to pay it all back when they keep charging me. They even went as far as putting another overdraft charge on a transaction that happened the day before but I had got my payroll check this morning so I was not in the negative.
Product: Debt collection

Collection for a debt of {$350.00} from Procollect Inc showed up in my credit report in XX/XX/XXXX. The debt was unfamiliar and I know it was related to identity theft that occurred in XXXX. 
I opened a dispute with XXXX on XX/XX/XXXX and was told to work with Procollect Inc to get the debt removed. 
I called Procollect Inc XX/XX/XXXX and let them know this account was due to identity theft and was not mine, and asked what steps I need to take to support my dispute. 
On XX/XX/XXXX XXXX said the dispute had been closed because Procollect contacted them saying the debt was valid - even though I told Procollect I am disputing the debt due to identity theft. 
I sent in the documents requested to support my dispute ( FTC Identity Theft report, drivers license ) on XX/XX/XXXX and have received no response. 
I called XX/XX/XXXX and was told the only way to get a status update was to send the question to them in email. I sent the email on XX/XX/XXXX and have received no response.
Product: Mortgage

: ( Property Address ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXBalance : $ XXXXAccount : XXXX Min # XXXX ( Inactive! On MERSWHY IS my mortgage STATEMENT SHOWING I OWE over {$69000.00} in interest because the CHASE BANK refuse to take any my payments? Is this Usury and is this illegal over demand an amount?
Product: Checking or savings account

I reached out to Chime on XX/XX/XXXX ( account was closed sometime mid of XXXX ) and then multiple times later to ask them to send me my 1099INT. inspire of repeated assurances, I have still not received my 1099 INT document.

I kept getting told that it's easier to get my tax statement online if I have an online account. An the only way to get online access is to restart an account with Chime. 
Seems like a deliberate attempt to not give me my 1099INT inspire of repeat attempts and assurances that I will be sent a physical copy.
Product: Credit reporting or other personal consumer reports

There are 3 accounts on my credit report that are not authorized and do not belong to me. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX {$470.00} XXXX XXXX Account Number : XXXX XXXX {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed bankruptcy after the passing of my wife and being left with an abundance of medical bills for her care totaling {$500000.00} ; I knew that I would not be able to pay off this debt so I claimed bankruptcy. Last year I disputed the bankruptcy with all 3 of the credit bureaus : XXXX, XXXX and TransUnion and after careful review and investigation XXXX Removed the bankruptcy under the Public Records Section. 

To my chagrin I was very perplexed as to why it was not also removed from XXXX as well as Trans Union. On XX/XX/XXXX XXXX stated the following on my credit report : Public Records 0 - " At this time, XXXX has no Public Records on file for you. Public Records are financial accounts attributed to legal actions from bankruptcies. '' Last month I mailed in Dispute Forms to XXXX and XXXX XXXX with copies of my XXXX Report showing the removal of my Public Record - Bankruptcy.
Product: Debt collection

Never received a call back after calling the number on credit report. This debt is from XXXX I have insurance and the secondary covered what my insurance XXXX didnt cover so Im not sure why Im being billed for amounts insurance already covered there agreed upon amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported XXXX balance and as over the limit. There was an issue with their computer showing an incorrect balance due that was fixed later that same day. My balance is XXXX. 

I have filed disputes with all 3 bureaus several weeks ago and XXXX didn't respond to them. I have called milestone numerous times and they don't want to fix the error until next month. 

Attached is proof of my balance being XXXX.
Product: Money transfer, virtual currency, or money service

I you on XX/XX/2023 a letter describing my issue and 60 days have passed and I have not had a response.
Product: Credit card or prepaid card

I had disputed transaction with XXXX for amount of {$1800.00} back in XX/XX/2022 due to never received service what I had agreed upon receiving it with " Chase '' credit card dispute department, and got a credit back on XX/XX/XXXX whilst they were investigating regitmicy of claim, it had been 3 month passed I had not heard from them regarding the result and found out transaction has been rebilled on XX/XX/2022 and received a letter saying the merchant provided documentation which that had nothing to do with the service I have not gotten received and I have to submit another written statement in order to reconsider to re open dispute. So I sent those written statement with more details communication between XXXX technicion which I had kept getting canceled on delivering services back on XXXX to Chase dispute department, had been waiting several month for a response back between paper mail and online communication center which l had not seen any response, I called them today ( XX/XX/2022 ) around XXXX and spoke to the customer service representive on dispute department and told they had send a notice to me which l had never received, they already closed the case which from the document provided from merchant demonstrating the goods I had ordered and they believed I already have received the service from the look of the service contract from the merchant. I asked to representative, as nature of the service contract it's normal they had itemized list of the goods I would have gotten serviced which it was garage door and opener but I have not gotten service nor seen a product, I told the agent I could even send the picture of my garage which never gotten the service, Agent did not want to help me out with any other option and advised me even if l re submitted claim which not it already has been passed windows for on going investigation and would not be able to guarantee for the other outcome. How this could be my fault or responsibility to pay for the service I had not received, or injustice has been done during the dispute process? I had been reaching out, tried to use proper channel to resolve an issue, I also have reached out to merchant, their coorperate phone line and personnel put me on a hold with the promise to transfer then hung up on me. I am very frustrated with Chase credit card service regarding how they handled the whole dispute transaction, and communication between them and customers. 
Thank you for your time. 
Hope to hear from you soon.