23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am so distraught ( again ) about the conversation I had with XXXX XXXX. There has not been a single helpful conversation. I decided to go to school and pursue my XXXX 's and do everything I needed to do to effectively start my payments, paperwork, certifications, applications, etc. I pay my bill at the exact time every month. And yet, it is still the most difficult devastating process I have ever had to ( consistently ) deal with. I just received a letter in the mail saying that my rebate has been disqualified due to a late payment, which was dated over a year ago. The payment they are saying is late I was told over and over that it was taken care of and would not be considered late because I had been on the phone with them multiple frustrating times trying to get my loans transferred over to them from XXXX, having to submit an application that they never received because none of my paperwork transferred over, so I had to resubmit everything! Then to have more notifications saying it was denied, which gave no reason, so I had to call AGAIN. I had to submit my loan payment application, my IBR application, and my PSLF application and nothing was complete on there end and they said it could take up to 2 weeks or so just to be reviewed. In the meantime, they told me that they would submit a forbearance because I didn't want my payment to be considered late. Even after that month forbearance, they still didn't have everything completed, so my payment was extremely high, and they told me to wait and the payment wouldn't be considered late. I was told in XX/XX/XXXX that my payment would NOT be considered late. Over a year later ( XX/XX/XXXX ), I receive a random letter in the mail that says my Direct Loan Rebate is Disqualified due to a late payment ( that same one they told me was taken care of ), and there's NOTHING they can do about the rebate now. I am APPAULED and SO Distraught how much stress and frustration that working with them has caused and I get absolutely nowhere, even when I speak to a supervisor. Even more frustrating, when they were reviewing the notes in their system, they spoke as it was so simple and 100 % my fault that the payment was late. I want action taken against this horrendous company, and don't understand how they are still allowed to exist, knowing that I am by far not the only person that this has happened to! I want to take any and every action I can against them because this has been the absolute WORST experience in my LIFE, and makes me regret making the decision to go to college thinking it would be best for me and my future. I regret it completely when it comes to trying so hard to deal with XXXX XXXX! I am SICK! 

I have the documentation that I have received through my portal, but unfortunately, everything has been by phone conversation so I have NOTHING to refer to besides these horrible memories ... The few times I did try to resolve things over email, my email kept getting passed around to different people every time I would reply which got me absolutely nowhere so I had no choice but to call again. This is COMPLETELY HORRIBLE!
Product: Credit reporting or other personal consumer reports

I noticed a hard inquiry on my credit report at XXXX from XXXX XXXX XXXX ) on XX/XX/2024, I called them the next morning to let them know it was unauthorized and I never applied for a credit card through them. They took my information and said they would start an investigation here we are in XXXX no investigation was ever done and hard inquiry is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO IS REPORTING ADVERSE INFORMATION ABOUT ME TO CONSUMER REPORTING AGENCIES. I DID NOT GIVE WRITTEN CONSENT TO FURNISH PRIVATE INFORMATION ABOUT ME TO ANYONE. AFTER VIEWING MY CONSUMER REPORTS, I NOTICED INCONSISTENCIES IN THE INFORMATION BEING REPORTED FROM CONSUMER REPORTING AGENCIES BY CAPITAL ONE AUTO FINANCE ALONG WITH THAT INFORMATION BEING ADVERSE TO ME. I DEMAND THAT CAPITAL ONE AUTO DELETE THE ACCOUNT IMMEDIATELY. ATTACHED WITH THIS COMPLAINT IS MY COMPLAINT LETTER, PROPER IDENTIFICATION, AND SCREENSHOTS OF THE ALLEGED ACCOUNT FROM CONSUMER REPORTING AGENCIES SHOWING THE INCONSISTENCIES OF THE REPORTED INFOROMATION. CAPITAL ONE AUTO HAS DISHONORED THE UNITED STATES CODE AS WELL AS MY RIGHTS TO PRIVACY AND KILLED MY CONFIDENCE IN THE BANKING SYSTEM. I DEMAND A RESPONSE WITHIN 10 DAYS FROM THE RECEIPT OF THIS COMPLAINT. HAVE A NICE DAY!
Product: Student loan

I applied for a student loan using XXXX XXXX while attending Full Sail in XX/XX/XXXX. I was young and naive on the process and was able to obtain a loan with no cosigner at the time. XXXX was not accredited when I went and the loans were not able to be consolidated. When I graduated I struggled to find work. It was time to pay my loans and they minimum payment was over {$1000.00} for XXXX loans. Most private loans which I had no idea any would be private. I paid my federal loans fine since they were only {$99.00} a month. I was told to use my deferment option until my loan was able to be consolidated. I deferred the loan collecting tons of interest in fear it would default since I could not pay the {$1000.00} loan payments. Eventually I was able to consolidate and my loans were now {$350.00} a month. I found a job in my industry and made payments. I was laid off after 4 months due to down sizing. Out of XXXX employees XXXX were laid off. I was again unable to pay my loans. I once again had to defer my payments. My deferment ran out before I found another job. I pleaded to arrange a payment plan to allow me to pay only interest until I find work. They would not help me. My payments fell behind to almost {$2000.00} minimum payment. I found a job and pleaded with them once again to allow me to make payments on this amount. They told me I would continue to build interest to ask a family member or get a loan for the amount I need to get caught up again. I was unable to do either. For years now I 've been begging and pleading with XXXX XXXX and now Navient to get me back on track so I can pay my loan. They are demanding {$34000.00} minimum payment in order for me to get back in good standings and make monthly payments on the principle. I am unable to purchase a home or make any large purchases because of this. I make enough money to pay my loans but they refuse to give me any options for repayment. I want to say I have paid my federal loan payments with no issues. When I went through my hard ship I was protected and was able to get back on track and have been in good standings for years now. I also want to say that XXXX is now accredited and even though I felt like I was deceived when I first starting going to school there, I am happy with my current position that was the outcome of my schooling. All I ask is to get back on good standings so I can finally make my payments and fix my credit.
Product: Consumer Loan

I have notice some issues with my account Balance being the same since my vehicle purchase in XXXX 2013 and my loan dates the maturity date as well as my payment dates. Credit bureau reporting balance is always wrong as well as payment amounts. I would like for this to be researched due to the fact that this finance company Consumer Portfolio Services has had some the same issues going on for years. Which I just learned of doing some research on the CFPB site. Consumer Portfolio Services is still engaging in the same deceptive tactics as before even though they were fined and put on the radar with CFPB. Please look into this company again, they are still up to the same practices. Thank you.
Product: Credit reporting or other personal consumer reports

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 has violated my rights.

I looked at my Transunion credit report on Oct 2, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

1. On XX/XX/2021 someone took {$820.00} out of my checking account by changing the server. As a result my account was overdrawn by {$800.00}. I am requesting that the {$820.00} be restored to my checking account. 

2. I informed Bank of America that I had security breach I request that my checking account number be changed the Bank of America, XXXX XXXX XXXX, XXXX, CA XXXX refused to change my account number. 

3. My Bank of America XXXX  saving account was changed to a checking without any prior knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXDOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw a hard inquiry from Syncb/paypal I never applied for anything from them. I called and they confirmed that it wasnt me but they never deleted inquiry from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

On XX/XX/2018 I submitted letters to all three credit bureaus ( Transunion, XXXX, and XXXX. I sent all letters certified and confirmed all received by the bureaus. I submitted a dispute to have all 5 XXXX XXXX XXXX accounts removed from my credit report as well as the US Bnkpt CT FLXXXX account as they do not belong to me and should not be on my credit report. I received a response from XXXX on XX/XX/2018 with confirmation that 4 of the 5 accounts were deleted. I was some what pleased because none of these accounts belong to me and so far 4 of the 6 have been identified as it not and being deleted. As of today XX/XX/2018 All three reports including XXXX  are still showing all of the accounts on my report and none deleted. XXXX mailed me the first response saying this has been deleted but it is still showing on all three credit reports.
Product: Mortgage

XXXX loan reassigned or sold to new servicer ( CITIBANK ) without my knowledge and no one has loan number or contact information. I hired a attorney to negotatiate terms of a new loan agreement months ago .Citibank is coming for the home with no documentation with the help of XXXX XXXX XXXX XXXX and XXXX ) my attorney has recieved more of my money than anyone with no resolve please help.
Product: Checking or savings account

On XX/XX/2021, my account was forced closed. The account balance was {$45000.00} at the time of the closing. When I called the bank, I was told no information could be given to me over the phone. The gentleman on the phone let me know that i had to visit the bank. The closest branch for Wells Fargo is 1 hour and 45 minutes from my city. I finally got free time to make the trip only to be told I had to have an appointment. I attempted to explain the distance, yet was unsuccessful with my request of speaking to someone. My understanding at this point is that the bank flagged the account as fraudulent due to someone logging on to the online. I talked to the person and cleared it up. I do not care that the account was closed. They will not give me any information or a closing letter. I just want the bank to provide me with my remaining balance. At this moment, I do not fulling understand their reasoning of holding my money XXXX.
Product: Credit reporting or other personal consumer reports

Transunion IS IN DIRECT VIOLATION OF THE FCRA, they continue to report the following unverified account : XXXX XXXX  Account Number : XXXX I have requested the deletion of this account numerous times and it still remains on my credit report to this day and is in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Product: Student loan

Notice to agent is notice to principal notice to principle is notice to agent This is to inform the CFPB of some violation that the department of aid advantage has not addressed since the following Dispute with the CFPB in XXXX and XXXX the followings are the account disputed with the CFPB. I would like the CFPB to conduct Consumer redress for those accounts with aid advantage for the following reason for the past eight years I have been carrying this account with the Department of Education. today XX/XX/XXXX between XXXX XXXX  and XXXX XXXX  I have spoken to XXXX XXXX XXXX to get the answers that she promised to give me during our last conversation in XXXX I have mentioned to XXXX XXXX XXXX if she was aware of the public debt of XXXX she totally ignore and never got back to me so today XX/XX/XXXX I got a hold of XXXX XXXX XXXX and ask XXXX XXXX XXXX that why is my account showing negative payments my understandings are the followings 15 USC 1666 ( B ) Timing of payments this information was address was XXXX XXXX today XX/XX/XXXX also I have mentioned to XXXX XXXX that since I have been carrying this account for the past eight years and she has not provided the consumer the contract and the truth in lending act documentation that was required when I dispute it the account with the CFPB she sent me a promissory note without the contract and the truth in lending disclosure documentation, I also have mentioned to XXXX XXXX XXXX that since this account has been transferred from several department I am going to address this information with the department of education and whatever answered I get, I will address this with the CFPB and address it with 18 U.S. Code 1341 fraud and swindler since this account was created I want the Department of Education the department of XXXX XXXX, XXXX, XXXX, XXXX an aid advantage to provide the consumer the damages they have caused since XXXX by sharing my information without no knowledge to the consumer. This information is also addressed in the past with XXXX, XXXX, and XXXX. Please, I am asking the CFPB to enforce that information before my information gets transferred once again. Also, I would like to address the CFPB with the respect that the agency deserves that I am fully aware of what's going on with XXXX XXXX XXXX all caps name. I am an American citizen state national. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following are the accounts that I have disputed with the CFPB. Also, those accounts with AID advantage and all the companies I have mentioned above Are paid as agreed, the following are the accounts I have a dressed and dispute it with the CFPB. 
CFPB XXXX CFPB XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like you to help me remove the inaccurate items on my credit file that came about because of a FRAUD yet there are some items passed on that should be taken out. According to FCRA 605 you should be remove any records which are inaccurate on my file. I've proactively remembered this report for a past letter and I am including it once more. The following fraudulent items needs to be remove : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I called Dave.com to request that they update my payment history for their " XXXX XXXX '' from XX/XX/XXXX  to XXXX as I had a soft pull done for a home loan there was an account still open for it on my report for {$200.00} stating I was paying {$620.00} a month, which is untrue as I paid it on time and in full. They simply refused trying to get me to call XXXX to get it resolved. XXXX was equally unhelpful in filing a dispute stating that because they couldn't see it on my report in the last year they couldn't do anything. 

I ended up requesting my monthly statement from XX/XX/XXXX  and was told they don't keep records from that far. ( this is shady and I believe done maliciously to cover their tracks and wrongdoing ) requesting that they update the credit bureaus ( XXXX ) that I paid on time and in full they refused stating that they don't do that anymore. 

All in a lovely XXXX hour phone call with Dave.com I have nothing to help me.
Product: Student loan

I need to see documents show the loans I signed for vs what is appearing on my credit report. I didnt not borrow XXXX. I will have to seek a court order to get this records if navient won't comply. You are incorrectly reporting the initial amount i borrowed which has compounded into this massive overwhelming amount and it's unfair. I was coerced into forbearance. I wasn't explained thoroughly. I was in default and didnt realize it. Payment sent were not applied. This has turned Into a nightmare.
Product: Credit card

I had a care credit card, and I called in to make complaints and was basically blown off. They did not want to assist me with any complaints regarding any complaints or anything. I am dissatisfied with a service I was provided. I called in and a rep told me he had too many things in front of him to deal with me.
Product: Credit card or prepaid card

Hello, I applied for the M & T credit card on XX/XX/2018 via an offer sent to my email. It was a promotion that I am eligible for the credit card. It should also be noted that I have a bank account with M & T Bank. After a few days, I get a call from M & T bank and I confirm my citizenship status. I ask the person on the phone that whether there is anything you need. They say no. I don't hear back and I call M & T to get to know what is happening and they say my card is rejected as I am not a US citizen. I have a few cards with banks and I have never got rejected based on that. Let 's say the bank doesn't offer cards to non-us citizen, why did you send me an offer? isn't my information in your system. My credit score and time has been affected because of this. I have a letter from the bank and the only basis they reject my application is based on my residency. A preoffer condition depends on credit risk not factors that can't change. I am very sorry to say but this is a fraud on M & T Banks part.
Product: Debt collection

This person is reporting on my credit profile they are not liscenced or bonded to collect in my state. Exorting amount of {$7300.00} they are reporting inaccurate/false information on my All 3 of my credit profile which is destroying my life.
Product: Credit card or prepaid card

On or around XX/XX/2022, I attempted to place an order with Home Depot and take advantage of financing offer up to 24 month of financing on purchases over {$290.00}.

First said website would not take order my Home Depot credit card kept declining purchase although the account was in good standing with available balance.

Home Depot resolution department got involved with placing order promised at exact delivery date and further adjustment if product was not delivered in time.

Not only was the product not delivered in time but sent out wrong merchandise and billing is incorrect. Home then separated each item ( 51 ) in total into several orders making billing verification and payments impossible to apply correctly and timely to avoid financing charges.

I attempted to reach Executive Office several times about this issue and was told they refuse to get involved. I find the billing and financing option a deceptive business practice and asked you investigate this as an official complaint.