23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I purchased XXXX XXXX XXXX XXXX ( {$500.00}, {$500.00}, {$490.00} ) issued by XXXX and distributed and serviced by Blackhawk Network XXXX  on XX/XX/year>. I tried to make purchases on the cards a couple days letter but I was left to find that all XXXX of them had been hacked and liquidated and that purchases were made on them without my authority. I have XXXX recognition of these purchases and I can't even check the card balance/transactions online because the card issuer website is down all the time. That is why I can't provide any amounts. 

I filed some complaints with Blackhawk Network and they created several cases that have lead nowhere and every time I call their customer service, it is extremely hard to communicate and they aren't very helpful. 

I am happy to provide any additional information that is needed. This complaint contains screenshots of the XXXX cards so please reference the photos for each card.
Product: Student loan

I originally had my student loans serviced through XXXX starting in XXXX. In XX/XX/XXXX I consolidated my loans under Mohela so as to qualify for the PSLF. I have since qualified and had my loans forgiven. Mohela contacted me and stated I was due a refund. I called them and they stated I would only get a refund on payments made after switching over to Mohela.

According to studentaid.gov I made 155/120 payments for my student loans, meaning I made 35 extra payments. Mohela states I will only get a refund for the one payment I made after the consolidation. I would like to get all 35 extra payments refunded.
Product: Credit reporting or other personal consumer reports

my name is XXXX XXXX XXXX XXXX XXXX, on XX/XX/year> I started disputing XXXX  XXXX accounts # XXXX XXXX XXXX XXXX XXXX XXXX with no resolve ... According to the Fair Credit Reporting Act, XXXX  XXXX and consumer reporting agencies has violated my right to Privacy. 15 USC 1681 sec 602, 15 USC 1681 sec 604 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am submitting this to formally request the removal of this account from my credit report. The account in question is negatively impacting my credit score and financial opportunities. 
SELF/XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the accounts listed below have violated my rights as a consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXXXXXX XXXX XXXX | account # XXXXXXXX XXXX | account # XXXX XXXX XXXX XXXX XXXX accont # XXXX XXXX XXXX XXXX XXXXXXXX | account # XXXX XXXX XXXX | account # XXXXXXXX XXXX XXXX XXXXXXXX | account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX  | account # XXXX
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX Committee on accuracy and completeness of credit information I am formally writing in XXXX  to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Bank account or service

USAA for some reason insist on not investigating my account correctly. Once my family and I noticed that my Identity was compromised, USAA was notified. We notified them and my account was closed with a day of us noticing, and USAA explained that they will be discontinuing business within a day of noticing the problem. I am being held responsible for all transaction and I have strong reason to believe that USAA did not conduct a proper investigation. I called today to try and figure out where the ATM withdrawal transaction occurred, but after calling a USAA representative explained that he no longer was able to obtain the information for me to correctly file a Police Report to the Officials. I have been very displeased with USAA 's customer service lately, and my family has been banking with them for years. I am being held responsible, and a representative explained that a day prior someone called and impersonated myself using my information. This was startling to us, USAA allowed us to make another claim to review/dispute the decision they made. However nothing has changed and I want to correctly file a report, and ask the Police to look at the cameras of the ATM that was used to commit the fraudulent activity so that USAA and myself may have a better understanding of who is at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX pulled my credi three times - I never gave permission to " Loan Depot '' Nor did I give verbal, written or any permission to RUN MY CREDIT!!! 

I Did not give XXXX permission to run my credit nor did I sign any documents or paper work, They are REQUIRED to remove these Hard Inquires within 30 days. I do not know them nor have I EVER spoke to anybody from XXXX, XXXX XXXX XXXX and or Loan Depot. 

Todays date is XX/XX/2018 at XXXX I request they show signed documented proof of my signing an OK or giving a AUDIO Recording of me giving them permission, This company does not have permission and I did not speak to anybody from this company. Therefore I request them to remove these inquires within 30 days. Should it go over 30 days I will seek legal action against all parties for fraud. 


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

Ive been making payments on time. Suddenly a request for payment increase happened with no notification.

Contacted the bank atty directly- received back dated notification. Credit score dropped almost 100 points.

Doesnt seem fair to consumer.
Product: Student loan

MOHELA made several mistakes that are costing me money, time, and XXXX, which has been incredibly difficult as payments are set to resume in less than two weeks. 

Back in XX/XX/, I asked MOHELA to apply my incoming student loan payments to a particular loan. It ignored my request. 

On XX/XX/, I again asked MOHELA to apply my incoming student loan payments to a particular loan. It ignored my request again. 

On XX/XX/, I noticed that {$5000.00} disappeared from my account. I sent a message to MOHELA both anxious and frustrated about the situation. MOHELA responded saying that I requested a refund of this amount. 

On XX/XX/. I responded that I never requested a refund and wanted my balance restored. MOHELA responded that I needed to call them directly. I called later that day and the person on the phone said that I would receive a check in the mail. After further discussion with them, we decided that they could restore the balance online so they voided the check. They said it should be resolved in 3 weeks. 

XXXX XXXX XXXX. I reviewed my account and noticed the balance was not corrected. I called MOHELA and waited on the phone for two hours to speak to a supervisor. I have a supervisor recorded on one of our phone calls admitting MOHELA 's mistake and that they just needed a little more time. I asked for compensation for my trouble and they said no. 

XX/XX/. My balance is still not corrected. I am missing {$5000.00} and the check for it is voided. This is fraudulent. I called again and the supervisor told me that the people who need to fix the issue still haven't responded. The supervisor said he could pass it onto management who would see it in 3-5 business days and changes wouldn't be reflected for 10 business days. That will put my loans at XX/XX/XXXX where they will again be accruing interest ( on money that I already paid! And money that they withdrew without my consent! And has been missing for 3 months!! ). I am infuriated. This is the most incompetent, fraudulent group of loan servicers I have ever experienced. I had such a better experience with XXXX and wish I could go back. These guys are crooks and I still don't have my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to removeXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Checking or savings account

I opened an online BMO account and had my direct deposit sent to this account back in XXXX of this year. I was in XXXX  while my direct deposit from the VA was sent to my account and my ID and ATM cards were stolen while I was in XXXX. When I got out I reported it but almost {$4000.00} was stolen from my account and BMO only sent me dispute credits for about {$2000.00}. I call to ask them what is going on and they say they are still investigating although it's been way longer than the 30 days they say they will take. Also they denied some of my disputes and approved some even though they were on the same day all of which days I was in XXXX and gave them proof of that.
Product: Credit card or prepaid card

My Capital One credit card was compromised sometime in XX/XX/2019 There were several charges on my XX/XX/XXXX bill which I did not make. I called Capital One and they agreed to remove the charges and send me a replacement card. They sent me a new card and removed some, but not all of the charges. 
Because they remained on my card ( and I didn't pay them because I thought they had been removed ), I was charged late fees and interest. I have letters from Capital One about removing the charges. 
I called again and was assured that the late fees and charges would be removed and I would owe only {$1.00} in interest which I paid. However, my next bill did not reflect the promised removal and in fact more late fees were added on. I called again and was told the same thing, and again, my last bill ( XX/XX/XXXX. ) had more late fees added on. 
My most recent call was XX/XX/2019 and I talked to 3 different " account specialists ''. I was told 1 ) that again that the charges had been removed ; 2 ) that the charges could not be removed while I had a balance due 3 ) that the charges would be removed and they would email me verification of that. I checked my email numerous times and never received anything. After being put on hold, they told me I had to have online banking to receive an email. I then asked for something via regular mail and they said they would send that out and it would take 10 business days.

Bottom line, they have been giving me the " run around '' and I am not getting anywhere with these numerous calls..This last call was especially frustrating as I was told 3 different things by 3 different people.
Product: Debt collection

I began receiving phone calls XXXX days ago Caller Id states XXXX or unknown No one leaves a message on my voice mail so I looked up the number on the internet and it is id 'd as a cell phone I called the number and they claim they are Central Credit Services which are located in XXXX Today the phone rings and they ask me to verify my social security number to them which I refuse to do. They then say they are collecting on a Loan I owe to XXXX. Over 15 years ago I had a loan with XXXX XXXX who became XXXX. After paying off XXXX of the loan XXXX told me I could get a deferment They charged me {$20.00} to put my payments on the end of the loan and after three months claimed I was in default The loan was never payed off. I tell Central Credit Services " Why do n't you sue me? '' their reps reply is they ca n't because they do not own the loan. " Well '' then I ask " why would I pay you for it? '' She answers " because I work for XXXX '' I reply " you just told me you work for Central Credit Services! '' The rep tells me to hold on and a man gets on trying to be more forceful.He also tries to get me to verify my private info. I ask him to stop calling me with no caller id and leaving no messages on my answering machine. He replies he does n't have to stop and it is not against the law. I told him it is harassment and I will report him. I then hung up.
Product: Mortgage

applied for a loan mod back in XX/XX/2023, they said they would look at it and will take 30 days, now is mid XXXX and they sent a take it or leave it offer, i have less than a week to reply. i get my loan mod and have 3 payments of XXXX a month, the same for the next 6 months and then a balloon payment of {$64000.00}, they granted a loan mod but didn't extend me any time to pay off whats do. i though a loan mod was to give a person time to pay things off, what happened? it's a lone mod that only benefits my loan servicer, good old PHH, how about giving me some time to pay it off?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has committed identity theft am a consumer pursuant to 12 CFR 1022.3 ( f ), 15 U.S. Code 1681a ( c ), i do understand XXXX XXXX XXXX XXXX  thinks they are a Furnisher of information and states they are required to furnishing accurate information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 15 U.S. Code 1681a of the FCRA , My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 15 U.S. Code 1681a ( d ) ( 1 ) ( A ) and Self Lender/ Lead Bank is a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, and was collected for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ) n In addition, pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EQUIFAX failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under 15 U.S. Code 1681 ( b ) in conjunction pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, you have failed pursuant to 15 U.S. Code 1681e ( a ) to maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. In conjunction Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) you have willfully fails to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer and you are committing identity theft using my identifiable information unauthorized and by law you are liable to i XXXX XXXX in an amount equal to the sum of {$1000.00} damages sustained by the consumer as a result of the failure In addition you have obtained information on, i the consumer under false pretenses from XXXXXXXX XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding the inaccurate and fraudulent information listed on my credit report. I have attached copies of the letters I previously sent to XXXX addressing these issues, along with all necessary documentation to support my claims. 

The accounts and addresses that do not belong to me are severely damaging my credit score. Despite submitting all required documents and evidence in my dispute, XXXX has failed to permanently block these fraudulent items from my credit report. This not only violates my rights but also constitutes a violation of the law. 

As a result of these fraudulent items, I am facing significant difficulties in my financial life. I am unable to qualify for credit to purchase a home or a vehicle, and I can not afford to enroll my children in XXXX  programs due to the impact on my creditworthiness caused by these inaccuracies. 

I have provided information to XXXX numerous times, yet they continue to willfully break the law by allowing fraudulent items to remain on my credit report. Additionally, XXXX has refused to remove incorrect addresses despite clear evidence proving that I never lived at these locations. 

XXXX has also exceeded the four-day timeframe required by law to permanently block and remove these fraudulent items. Their negligence and disregard for the law are unacceptable and have caused me significant financial and emotional distress. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and ensure that XXXX promptly removes these fraudulent items from my credit report. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I excercised my rights under FCRA section 611 ( a ) ( 6 ) and ( 7 ) and requested of this credit bureau there method of verification as it pertains to a XXXX XXXX  XXXX account that was been reported on my credit report. They got that request on XXXX XXXX and to this date I have not gotten that method of verification. The Fair Credit Reporting Act gives the credit bureau 15 days after they have gotten my request to provide that method of verification to me. Its now almost a year since they have gotten that request and they have refused to provide that document or delete XXXX XXXX XXXXXXXX account number XXXX from my credit report and this is a Fair Credit Reporting Violation. The Fair Credit Reporting Act states that if the credit bureau is unable to provide the method of verification used to determine accuracy of the information on a credit report then that account should be deleted from the person 's credit report. I have enclosed copies of documents showing that the credit bureau got my request and a list of all the complaints that I have made.
Product: Checking or savings account

On XX/XX/XXXX I received a call from a person who stated they were from Huntington Bank fraud dept. They said that someone in Texas was trying to make a purchase with my debit card and they wanted to verify if this was me. I said I was not in Texas and had possession of my card. 
They had all of my personal information and knowledge of a previous fraudulent purchase with my debit card. They behaved suspiciously asking for additional information and I locked my card and hung up. I then saw a {$4500.00} charge on my account and called Huntingtons fraud department immediately. The rep was very dismissive and did not ask for details. He said that I must have given them everything. He opened a case. The next day the same people called my husband and attempted the same scam. I called Huntington immediately and asked them to block my husbands card and issue a new one. They said Id have to wait for fraudulent activity which we could then appeal.They finally agreed to my request. I received a letter from XXXX dated XX/XX/XXXX stating they determined the charge was authorized based on information received. They never asked for information! I called the supervisor who stated I would have to contact XXXX and XXXX XXXX XXXX and obtain proof that I did not authorize charges. I am XXXX years old and this is way beyond my skill level. 
Huntington issued me a new card which I have not used. Today, XX/XX/XXXX I received a call from someone saying they were from Huntington fraud dept and that someone was trying to use my new card. They had the card number and last 4 numbers of my social security. How could they have the new number? I hung up and called Huntington and it was a fraudulent call.
Product: Checking or savings account

Netspend financial. On Monday XX/XX/year> a charge hit me account for XXXX dollars. The merchant name and address are all fake. The state initials were XXXX. That should have told them its fraud. They closed my account and ordered me a new card. On Wednesday the first another charge tried to post from that same merchant and amount. I called them Wednesday night they said a charge cant hit a blocked account. The next morning it posted. Now they wont refund it back to me for up to 90 days. This is REDICULOUS. I have rent and car payments. Insurance and phone. All my bills hit at the first of the month. No one will call me. I need help