23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted my XXXX application on XX/XX/23 through Studentaid.gov to MOHELA. MOHELA still has not processed the claim and is ending my administrative forbearance today, XX/XX/23. 

I contacted MOHELA by phone twice on XX/XX/23. After being put on a callback list and waiting 3 hours for a call back, the servicer left a voicemail instead of actually calling me. I had to call back and sit on hold for 90 minutes before reaching a representative. The representative told me that my application had been processed but isn't reflecting on my account. She said that it would take effect soon, but never told me specifically when. They put me on a " LEVEL '' plan and are going to charge me {$610.00} instead of the {$250.00} from my XXXX application. 

I have also submitted an online message to them asking about this, but have not heard a response. I have requested to be put in administrative forbearance while they figure out how to apply my application to their website.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 "
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act 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 an account without my written instruction.
Product: Debt collection

The debit is from prior to XX/XX/XXXX. XXXX XXXX from XXXX XXXX XXXX, who is collecting on behalf of The Bureaus, disputed this with me so I requested documentation proving the age of the debt. The only thing they provided was a old credit card statement from XX/XX/XXXX that shows a prior balance and interest owed. 

I called XXXX back to tell him the document has no proof of date of purchase, he replied " I know but that's the only documentation we have ''. I went on to remind him that the debt is greater than 7 years old and he said he knew that and said he told that to The Bureaus. I told him this needs to be removed from my credit, he said XXXX XXXX XXXX can't do that I needed to contact The Bureaus and gave me the phone number. He went on to say he would note in my account again that this item is in dispute due to statute of limitation being expired. 

I tried calling The Bureaus but I can never get a person because their phone lines are always full. Instead, I get a voicemail to leave my name and number for them to call back, but they never call back. 

I find it interesting that these companies can negatively impact a person 's credit but don't have to take any action to correct it in a timely manner once proven wrong. We, the individuals impacted, have spend hours trying to find someone to talk to only to get no where because no one mandates them to follow the law. 

In this case, The Bureaus bought the old debt from XXXX XXXX ( who already sent me a letter stating that the debt was too old to collect and therefore being removed from my credit ). The Bureau then hired XXXX XXXX XXXX to collect on their behalf but they can't do anything to solve issues so back to The Bureaus I must go. This is a broken cycle of voice prompts, nasty - disrespectful individuals, unethical companies and no resolution to something that impacts ones entire life.
Product: Credit card or prepaid card

I applied for the Capital One Quicksilver on XX/XX/XXXX ; this was my first ever credit card. The promotion had said that if I spend XXXX dollars, then I will get a XXXX dollar sign up bonus. After spending XXXX, and not receiving the amount, I called after getting my statement and they submitted a review to their rewards team. I was told to call on that following Friday, but when I did they said they never said that. They told me to wait until Monday, and so I waited until Wednesday, XX/XX/XXXX. I had to reach out yet again, and they told me it was declined. They are saying they never offered it, and yet it was for new card members ( which I was ), and it was right on my application. This sign up bonus is still being offered. I have found that many people have encountered this form of gaslighting on behalf of Capital One. I wish I did my research, because it is clear Capital One scams most of their clients.
Product: Debt collection

The XXXX XXXX credit card debt was discharged in Chapter XXXX filed on XX/XX/2019. After the discharge, XXXX XXXX XXXX sold the debt to Portfolio Recovery Associates. I received a letter from Portfolio Recovery Associates with a reply that the debt was discharged in Chapter. Portfolio Recovery Associates calls daily more than three times per day regarding collecting the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in regards to the erroneous account being reported by the credit bureau on my Credit Report. I have read that the Credit Reporting Agency is required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting ActSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Upon reviewing my updated Credit report, I immediately noticed that the Account in dispute is still reporting as late on. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the account, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureau to correct this account : XXXX XXXX XXXX Balance : {$26000.00}
Product: Credit card or prepaid card

I have a credit card with Citi Bank, we paid $ XXXX by mistake on XX/XX/2022, When we realized on XX/XX/XXXX, I called customer service to refund that amount to my Checking account with Same CITI Bank or refund to the origin, from where the payment was done. They said there will be hold till XX/XX/XXXX then we will release the payment. But despite of several calling they are holding the money, which is not back yet. 
I expect {$500.00} + Interest @ 20 % should be awarded to me with refund.
Product: Checking or savings account

This used to be " America 's most convenient bank ''. Not anymore. They blocked my access to my account online without any prior notice. They then said the only way to unblock it is via a text message. I am XXXX, like many folks my age, I rarely use text messages. Also, I have two phones and they would only send the access code/text message to my phone number ending in XXXX even though I was carrying my phone with the number ending in XXXX that day. Telling them this fell of deaf ears. So the next day I took my XXXX phone with me and called them again. This time their representative said they could only send the new code to the XXXX but not the XXXX number and she refused to give me the new code over the phone even though I answered all her security questions correctly. So the next day i took the XXXX phone with me specifically so i could get the texted code and the representative said she can only text it to the XXXX number. When I asked for a supervisor I was left on hold for a half hour waiting. Finally when I spoke to the supervisor I answered more security questions and she then assured me the account was unblocked. Then when I went back online the account wasn't unblocked and I had to go through the text message thing all over again. Then when I was finally able to access my account online, five minutes later it it bounced me out stating it was due to " inactivity '' even though there was no inactivity and I was in the process of scheduling a payment when I got bounced out. They need to hire competent tech people like they used to have.
Product: Money transfer, virtual currency, or money service

i was sending {$200.00} to the XXXX  but they couldnt get and i dont know were the money went and they need the money now
Product: Mortgage

XX/XX/2022, sold premises. Received payoff statement from Select Portfolio Servicing which confirmed at closing by title company. Payoff check sent to SPS.. XXXX. SPS confirmed received XXXX. SPS paid from escrow on XXXX insurance due XXXX and real estate tax on XXXX due XXXX neither disclosed on statement or confirmation. Insurance cancelled on XX/XX/2022 and payment and per diem refunded to XXXX. 
Tax payment made by title company and duplicate payment returned to SPS. SPS refused to issue satisfaction of mortgage and is paying excessive insurance each month as well as paying real estate taxes and will not return duplicate payment. SPS received full payment of mortgage. 
With the return of the duplicate tax payment SPS had money in escrow. SPS continues to run up blll for payment of insuance on property paid off and pay property tax which new lender is paying. Lender not about to commence foreclosure action on mortgage fully paid off. Spoke to SPS and they refused to stop paying insurance and real estate taxes or state how much was in escrow when they received the payoff payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported as well notified Trans Union of errors on my report and supplied them with documentation letters court orders vas well updated my consumer statement Registered Letter XXXX XXXX XXXX XXXX XXXX XXXX asking them to remove XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$4500.00} and XXXX XXXX I supplied them with Divorce Degree as well notified them that XXXX XXXX is reporting in error and there Contact on profile not to be valid as well attached returns email on bad contact I also asked for a full updated report with new address as well to remove inqireiers dating over 2 years to date XX/XX/2022 my record reflects the same as well that have not got me my updated report and or remove dispute dating of 30n days TransUnion is acting in bad faith and not following Federal guide lines
Product: Credit reporting or other personal consumer reports

Over the last past year, Ihave reached out to to Transunion and XXXX explaining that there are accounts on my credit report that I am listed as a authorized user but the information that is pertaining to the main account holder is reporting as my information which is inaccurate.
Product: Checking or savings account

On XX/XX/2020, I was scammed out of {$350.00} by XXXX and they refuse to return my funds. I reached out to Capital One and they have the ability to get my funds back, but refuse to do so.
Product: Debt collection

I went to the emergency room at hospital ( first time in a decade ) and I told them I did not have medical insurance ( I am now on XXXX ). I was there for less than 2 hours and they found nothing wrong ( said I maybe pulled a muscle ). I received a {$24000.00} bill from the hospital and 2 other bills from doctors totaling another approx. {$9000.00}. There is NO WAY I can pay this absurd amount and no one told me an estimate of what it was going to cost when I went in. I told them ( with my husband as my witness ) that I did NOT want certain tests they were doing- and they did them anyway ( hence the outrages doctor bills ). I can not pay this ( I could not afford {$1100.00} a month for medical insurance either )!! I asked the ER room staff if I needed to pay anything when I checked in and they said " No ''. They were giving me meds that I was screaming I did not want!
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the XXXX  XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
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 Number : XXXXXXXX XXXX XXXX  Account Name : XXXX Account Number : XXXX XXXX Bankruptcy Account Name : XXXX Account Number XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX XXXX Account Name : 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 or other personal consumer reports

I was unaware of this collection debt and requested proof of ownership and they failed to provide me with any authentic validation that this account belongs to me. Also they have not notified me of collection efforts or anything. This account is violating my FCRA and FDCP rights.
Product: Credit reporting or other personal consumer reports

A account at XXXX XXXX XXXX XXXX was used fraudulently and the bank refused to do anything about the fraud. I asked the credit company twice to remove the fraudulent information and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXXXXXX -US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Back in XXXX I opened the card as a promo to receive a certain % off for your first purchase. The amount i was to receive credit for was {$69.00} for a pair of shoes. Unfortunately, that order was unable to fulfilled. Now, i've lost out on the promo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is sharing and reporting my information. As of XX/XX/2019 against my will. I have tried to reach out to the company but have not been able to opt out of the service. This company is confirming bankruptcies incorrectly with XXXX when case law doesnt allow these types of reports to be verified by 3rd parties. To my understanding, they must be verified by the original source. This company is not doing that and theres no way to opt out of the service. Many of their websites phone numbers do not work. So theres no way to contact them. Also they have emails on the website that are listed as a contact but are not valid emails.
Product: Credit card or prepaid card

When I call the number listed for customer service for the Bank of America EDD Debit Card, the call will either route me somewhere and then hang up, or it will simply hang up upon selecting the " lost or stolen card '' option ( which is the only option available when calling XXXX ). This is the only customer service number listed for this type of debit card. They are not answering calls so nothing can be done in the first place. 

Bank of America was supposed to send me the debit card when EDD sent its first payment on the card. However, it has been weeks now, and still no card, no customer serivce to talk to, no money, but much frustration because you can get through to no one. It is almost like they are not answering the phones on purpose. Although the recording says they have a high volume of calls, I have tried calling at various different times including XXXX : XXXX., XXXX XXXX, XXXX XXXX. XXXX XXXX., XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX and XXXX, all ending in the same manner, being disconnected on the other end of the call.
Product: Prepaid card

Received an American Express virtual {$500.00} gift card. Over XXXX weeks since revering the card on XX/XX/XXXX I have made several attempts to for online purchases and all have been declined and I can see the transactions declined on the card history but American Express are not permitting use and payment approval of my transactions. I had called American Express customer service on XX/XX/XXXX and was advised to take action by adding the card onto my google wallet and to try again. The card is still being declined and I am unable to use this and make any purchase.
Product: Credit reporting or other personal consumer reports

I am formally notifying you that Discover is engaging in fraudulent and malicious reporting of two inaccurate accounts to the FCRA. These accounts, representing the same credit card, are misleadingly reportedone as open with high utilization and the other as a closed charge-off. 
The attached screenshot from XXXX clearly illustrates this discrepancy. As a direct result of this erroneous information, I have faced unjust denials from creditors. I have never had two accounts with Discover, and this pattern of discrimination and retaliation appears to have escalated after I questioned the accuracy of my account details, for which I was never provided the requested information. Despite my attempts to have these accounts corrected and removed over 30 days ago, there has been no resolution. If this situation is not addressed promptly, I will have no choice but to consider legal action for discrimination and harm caused by this misleading reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$2800.00} XXXX XXXX XXXX Date Opened XXXXXXXX XXXX XXXX Balance {$880.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance {$4400.00}