23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When I received my first email to begin paying Aid Advantage I tried to access my account. I dont have any login information from them, so I tried entering my SSN and birth date. The automated system told me this was incorrect. Ive tried many times calling Aid Advantage in an effort to access my account and have things fixed. I have sat on hold many times waiting to take to a representative. I am unable to get through to anyone and they dont give you an email address just a phone number for customer service issues such as this. It is impossible to reach anyone on the phone and I cant login to my account to begin payments. Now I am incurring a ridiculous amount of late fees even though I am unable to access my account due to their system errors with my SSN and birth date.
Product: Credit reporting or other personal consumer reports

I did not give XXXX Bank my consent to inquire about my credit. This is a result of fraud and not of my own will.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started this journey of only inquiring with a auto dealership named XXXX XXXX in XXXX XXXX, Texas. I was speaking with a XXXX only. I advised her I did not want my credit run and further impact my credit score. All I wanted to do is get information on a particular vehicle. I gave her my information but I was clear that I did not want my credit run. Next thing I am aware of is that this " manager '' named " XXXX '' has run my credit 9 times with different finance companies. I did not authorize this at all! I left and told them I would take my business elsewhere and that I was very upset at their doings and practices. Totally shady! I had not even made it out to my car and inquiries after inquiries kept digging on my phone. My credit apps that I have in place to alert me kept notifying me of these numerous inquiries. All three credit bureaus are now affected and I have tried to reason with XXXX XXXX but with out any success. All three bureaus will not remove these inquiries either due to their rules and policies according to them. I am requesting your help to get these inquiries off my credit reports. I have been greatly affected by these inquiries and during these hard time due to the economic impact the Covid-19 Pandemic has caused, it's been horrible! Please help me.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX account # XXXX and XXXXl XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Additionally, per 15 U.S.C 1681 section 602A I have a right to privacy.

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, credit repair services, or other personal consumer reports

I was applying for a mortgage and my score was dropped after the 1st inquiry. I have 14 days to apply for mortgages before it affects my credit score. It should be counted as 1 inquiry at the end.
Product: Credit card or prepaid card

My Kansas State XXXX XXXX direct deposit payments ( XXXX ) to KeyBank NA has been hacked over the past two months. So far I have lost over {$1500.00}. I have notified the KeyBank, Kansas State, the FTC, credit reporting companies. KeyBank has reissued me three new debit cards to try to stop this, to no avail. Though I have not yet received my third debit card, I did notice, KeyBank has issued a credit for the most recent charges. Since I am a disabled person and was hospitalized and recovering while this was initially happening, I didnt notice at first, because I wasnt using the card. The bank is indicating that since I didnt report it right away, they arent responsible. 

The same day I reported my first hacking letter to KeyBank, I received a notice that I had been involved in a breach from XXXX and XXXX. 

Even though I have been reimbursed {$810.00}, there is no way to be sure it will be there long enough until I get my new debit card to cash it out before the hacker gets it. Please help me. 

XX/XX/19 {$400.00} XX/XX/19 {$250.00} XX/XX/19 {$210.00} XX/XX/19 {$500.00} ( reimbursed ) XX/XX/19 {$310.00} ( reimbursed )
Product: Debt collection

This is the arrogance that I have been subjected to since trying to dispute this error. I included the proof of insurance in the correspondence dated XXXX/XXXX/2016. Make no mistake I will also be notifying Medicare regulations and XXXX XXXX about this matter. I am enclosing proof of insurance again. This is the response for Universal Collections. CFPB needs to be aware of this. Universal as usual is so busy being arrogant I guess they did not notice my proof that was sent by CFPB. Universal also seems to be unaware that the consumer has the right to request validation. 
" Response Dear XXXX XXXX, Your request for validation of the claim is curious. First you have 45 days to request validation once a letter is mailed to you. That time had passed by about 5 years once we received your validation request. But your validation request seems irrelevant since you are already acknowledging the validity of the claim. 
I will reiterate once again that if you had Medical Assistance at the time medical services were rendered, please simply provide proof of that insurance at the date of service and we will immediately expunge this record from all credit bureau files. It is really just that simple '' I have the right to request validation at any time.
Product: Debt collection

XXXX XXXX XXXX states I owe collections and I never got a collection letter. I have no knowledge of this collection. Second of all they reported on my credit through transunion has collections type under XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX. Now through XXXX they report the account has a factoring account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The one collection that which they claim I owe {$240.00} is now two accounts of {$240.00} with two different addresses and the company name the same with resurgent on one. I can furnish my credit report if needed to show proof. But the CFPB will have to request it from me first because im not falling victim of illegal practices and/or scams. So I never got a collection notice and this company is reporting two different types of collections one on XXXX   has a collection account and one on XXXX has a factoring account.
Product: Money transfer, virtual currency, or money service

Dear CFPB officials, I'm XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, TX. XXXX. I wire transferred the money from my checking account of Wells Fargo Bank to XXXX XXXX but I got scammed. Please help me. I'm sending the long attachment to you now. Please take a look
Product: Money transfer, virtual currency, or money service

On XX/XX/2017, I was scammed by an XXXX XXXX XXXX  imposter on my XXXX using an XXXX XXXX  per the scammers request! He got me into my Chase Bank account to see that I had savings and checking balances! I thought I was talking to an XXXX associate all this time who said my account had been compromised and I needed to transfer funds! He directed me to move fund through my XXXX account to my XXXX! The total amount in several transfers was $ XXXX. I could see my money in my XXXX thinking it was still safe and still trusting this scammer! Then he had me change my bank on my XXXX when my money suddenly disappeared and I became hysterical, screaming and begging him to return my money! I new then this was a scam! Chase declined to refund because of XXXX and XXXX declined because it appeared I authorized the transfers! I am so torn and upset with myself for trusting this man and not catching on to his scam until it was too late! Im an XXXX XXXX XXXX recently retired woman who now have lost my retirement funds! Ive reported to the FTC, FBI fraud division, XXXX, XXXX XXXX, Chase XXXX XXXX, and no one seems to care! I understand there is an Electronic Fund Transfer Act that should protect bank consumers! Why is that act not protecting me? Why isnt more being done to protect the consumer? I just cant give up fighting for my money that I worked so hard for! Please tell me what I should do!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX XXXX XXXX incorrectly reported that my student loans were in default. In XXXX I began the process of pre approval for a house, during this time I contacted Experian to correct my credit reports to remove the dispute status on my student loan. The problem was corrected at first but then due to repeat negligence with Experian the dispute charges remain on my report although the issue had been rectified with XXXX XXXXXXXX XXXX. After 7 months my credit score has not rebounded due to Experian being unwilling to report the proper information on my credit report. At this point I feel I need to pursue legal counsel, as this is delaying me being able to get a house. As a consumer I should not be at the mercy of a non governmental agency.
Product: Checking or savings account

I spoke with XXXX ( who would not give me anymore information about his id or last initial of last name to identify ) from the fraud mediation and detection department. There is a {$500.00} hold on my account for absolutely no reason. These are my funds and they are not giving any reason as to the hold. There was an attempt for a eternal transfer INTO PNC from my other bank but that failed. Regardless, no money was taken from PNC or my account so there should never have been a hold on my account. PNC is not able to give me any reason as to why the hold is taking place and XXXX is not transferring to a supervisor. He is not helpful and does not care. He said he would escalate my complaint but could not offer any reason as to why the hold is there. When asked why PNC would do such a thing, he agreed that it was strange.
Product: Mortgage

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Complaint Against PHH Mortgage, XXXX, and XXXX XXXX XXXX  for Denial of Loan Modification Request Consumer : XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, FL XXXX Phone Number : XXXX Email : XXXX Complaint Details : I am writing to formally file a complaint against PHH Mortgage, XXXX, and XXXX XXXX XXXX  for the denial of my loan modification request. I have been experiencing severe financial hardship due to multiple hospitalizations stemming from ongoing health conditions. Despite providing all the necessary documentation and explaining my situation in detail, my request for a loan modification has been unfairly denied. 

Hardship Details : Medical Hardship : My financial difficulties are a direct result of numerous hospitalizations related to serious health conditions. These health challenges have significantly impacted my ability to maintain regular employment and, consequently, to meet my mortgage obligations. 

Income Support : Despite my current hardships, I have a clear plan to resolve my financial difficulties. My two daughters have committed to assisting me financially. Their income documents, which demonstrate their ability to contribute to the mortgage payments, have been submitted along with the modification request.

Unfair Denial : Despite providing all required documentation and outlining my situation, PHH Mortgage, XXXX, and XXXX XXXX XXXX  have denied my request without offering a clear or fair explanation. This denial has placed me in a precarious financial situation, with the looming threat of losing my home. 

Resolution Sought : I am requesting the CFPB 's intervention to ensure that my loan modification request is reconsidered fairly. Specifically, I am seeking : Reevaluation of Loan Modification Request : A thorough and fair reconsideration of my loan modification request, taking into account the provided documentation and the financial assistance from my daughters.

Clear Communication : A detailed explanation of the reasons behind the initial denial and a transparent process for reevaluating my application.

Immediate Relief : While my modification request is being reevaluated, I request that any foreclosure or related actions be paused to prevent further financial and emotional distress.

Thank you for your attention to this urgent matter. I look forward to your prompt assistance in resolving this issue.

Attachments : Income documents from both daughters.

Medical records ( if applicable ).

Correspondence related to the loan modification request. 
Signature : XXXX XXXX XX/XX/year>
Product: Checking or savings account

I am filing a complaint with CFPD regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my report. The TransUnion/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law. I am not late on this account. My record shows that this account was Paid as Agreed and Past Due is XXXX. Please adjust accordingly the XXXX  XXXX XXXX Balance : {$260.00} - Late Date XX/XX/22 [ 30days ] to my credit report.
Product: Checking or savings account

I am a customer of Citi Bank. I had an unknown charges from XXXX ( {$1900.00} and {$600.00} ) on XX/XX/XXXX on my checking account. I received a text message alert from my bank with these charges and called Citi immediately to advise them that these charges were fraudulent, not authorized, and should be reversed. I took action within minutes of this charge. I have the texts and call logs to prove both and have attached them. 

The initial text which appeared to be from Citi Bank ( as I frequently receive such texts form Citi ) asked me to unlock my account. Against my knowledge that in turn triggered the XXXX transaction. I realized the inaccuracy right away and called Citi Bank right away. They however have decided to not protect by funds even though I did everything that was necessary to prevent his from happening. I often receive auto texts to approve individual charges/activity from unknown sources as risk mitigation. I did not receive these alerts from Citi. They will also often hold lesser charges to validate them but did not choose to do so in this case even though it was my first transaction with XXXX. 

For clarity, the initial scam text came in at XXXX XXXX, at XXXX and XXXX XXXX  I received notification from Citi of these 2 charges, and at XXXX I called Citi Bank to advise them of the fraud. I did what was necessary to mitigate the fraud however Citi Bank has not. 

Under the standard definition of fraud, someone has gained access to your bank account and made a payment without your permission and if you weren't involved in any way, this is deemed as fraud. If this unauthorized activity is is immediately reported to your financial institution, you are typically able to get your money back after reporting the incident. 

Under Reg E ( Electronic Funds Transfer Act ) I have legal rights to be protected from fraud and scammers. 

Unfortunately this did not play out as it should have and I am turning to you to ensure this is handled lawfully. I appreciate your review of this issue.
Product: Credit card

I had a CITI Credit Card by XXXX opened in XXXX. On XX/XX/XXXX, my card was taken by the XXXX employees at the XXXX location. From then, there were multiple fraudulent activities reported on my CITY by the XXXX account. On XX/XX/XXXX, we requested CITI to lock the account to stop the fraudulent activities. On XX/XX/XXXX, the fraudulent activities continued, CITI refused to help when complained about closing the account. On XX/XX/XXXX, CITI sent a balance of {$5000.00} to the debt collectors, stating that is the current card balance even though my card was closed due to fraudulent activities. I did not use CITI by XXXX Card effective XX/XX/XXXX. I want to clear my name and debt out of CITI Bank as I have not used the card. CITI bank REFUSED TO close the account even after proving that there were fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding my account with Freedom Mortgage to all three credit bureaus, XXXX, XXXX, and XXXX. The dispute was accepted finally and it was removed off of all the bureaus. Then, all of the sudden the same mark was put right back on. I contacted Freedom mortgage and they reassured me that they did not resubmit the information. Every time I have contacted the three credit bureaus I get no resolution. They even put the mark back on the wrong month for XXXX. This has dropped my score over 100 points and I am never late on anything. This is not right. I need this removed permanently.
Product: Credit card or prepaid card

Hello : I opened an account with CashApp mid XX/XX/XXXX as I do not have a bank account. Most of the time everything processes as expected however on XX/XX/XXXX Department of Labor released 20 payments to me in the amounts of 10 payments of {$600.00} and 10 payments of XXXX totaling {$7800.00} all by ACH transfers via direct deposit. I have not received these funds to date. I confirmed my account number on DOL website and have since received future deposits from DOL to my CashApp card. When confirming on the DOL website it does not show you the previous account number so what I did was enter my correct account number. 
I have emailed CashApp as they do not offer any other kind of customer service. Without a response I filed a complaint with the XXXX, then CashApp replied to my email on XX/XX/XXXX requesting I request an ACH trace from DOL and they provide the details on their letterhead. One XX/XX/XXXX I received the letter from DOL showing the money was transferred to CashApp but under a different account number. I do not recognize the account number that the money was sent to it is very different from my account number so I have no idea how this account number was attached to my DOL direct deposits. 
I emailed CashApp the same day XX/XX/XXXX attaching the letter from DOL with all the details CashApp requested and here we are on XX/XX/XXXX and they have not responded, I've sent multiple emails everyday since XX/XX/XXXX and still nothing has been sent back to me, not even a confirmation that they received my letter. 
I have the proof that CashApp requested and I'm in desperate need of my unemployment payments to pay my bills. 

I also sent the DOL letter and a letter I created to CashApp in XXXX XXXX CA via the post office on XX/XX/XXXX.
Product: Bank account or service

I opened up a citigold bank account using the promotional code I received in the mail XX/XX/XXXX, in order to receive a bonus of XXXX XXXX XXXX miles once I made at least {$1000.00} debit card purchases and made bill payments in 2 consecutive months. Once I met the requirements for the bonus I send a message to citi for confirmation. They responded that I did meet the requirements and that I should see the points no later than 3 months after the end of the month in which I finished the requirements ( which was XX/XX/XXXX ). So XX/XX/XXXX comes around and I call them to ask about the points, they do n't have a clear answer and open an " investiagtion '' into the points. I get a notice more than a week later that says they will not honor the promotion because I was not " targeted '' even though the code they sent me let me apply and their own customer service agents confirmed I would be receiving the bonus. Meanwhile two months of {$30.00} " service '' fees have been taken out of my account while I have been waiting for this to be resolved by Citi.
Product: Checking or savings account

My mom passed away on XX/XX/2020. She was receiving social security. My sister 's and I understood that the night possibly reverse the payment. However, they are not because the payment that social security deposed into my moms checking account was for the month of XXXX. After several phone calls to Chase bank a woman in the decedent department told me if I got a letter from the Social Security office the hip that Chase bank out I the checking account would be removed so the account could be closed. Either the woman from the bank lied to me or the ACH department at Chase doesn't understand the letter from Social Security stating that are not taking money from my mom 's account. I was also told that there would be no fees come out of the account. They mailed statement out saying they took a service charge out of a bank account that has a hold on it. I feel l as if though I was lied to all the way around. 
Please see attached letter from the Social Security office stating they will not be taking any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX. Please remove this account immediately.
Product: Debt collection

Portfolio Recovery keeps calling my work number after being asked not to call me. They have made two calls in the last 30 days and another prior to this. Each time they call I tell them that this is my work number, the phone is answered by saying thank you for calling Employer 's name, they will not stop calling and I am not to have calls like this at work and they say they will note it and then call me again. I even give them my cell phone to call instead and they will not call it.
Product: Credit card

Discover credit card has been ignoring my requests of providing documents to justify the percentage of its reward program. I responded to 10 % XXXX Friday offer on purchase made at XXXX. I purchased XXXX tires totaling in {$370.00}. I was expecting 10 % of the reward, however, it was never given to me. 

XXXX of Discover contacted me on XXXX, but he failed to follow up, nor provide any explanation or reward to my account. I contacted Discover card against, they told me that I was credited {$1.00}. How {$1.00} is related to {$370.00} purchase? Discover initially told me that XXXX offered 5 % instead of 10 %, even so, 5 % of {$370.00} is {$18.00}, not {$1.00}. 

This company has been cheating me out of my reward money. 

In addition, Discover had mis-handled my dispute request. It was {$10.00} dispute, Discover initiated as {$750.00}.