23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loans have been transferred several times without me being aware of this. I had did a consolidation loan a couple years ago with no word or proof i ever did it. I found out that Mohela had them last year however I called several times last year asking about my loans and refused to tell me until about XXXX which I finally got someone to help me. I tried calling and logging into Mohela but they could never locate my ss # or anything However after that I was not able to do anything with my loans. In XXXX I wound up looking up my XXXX XXXX and it decreased over XXXX points and apparently my loans got transferred to a whole new company I never heard of and my XXXX XXXX plummeted because I hadn't made a payment in XXXX  months. I was never notified of this. I called that company and they put my loans in forbearance. The lady advised me of my consolidation loan payments would be about XXXX. Then I got a notification of my loans being paid off completely but then a couple weeks later found out Mohela had them again. This has been almost XXXX months ago and I still can't get them to locate me in their system to pay. I was able to speak to someone a couple weeks ago who put my loans on forbearance to help me. She also advised me that my payments are XXXX which is what I was not told. As of today I am not able to get a hold of anyone.
Product: Credit card or prepaid card

I spoke with Chase 's resolution department about a message I received today XXXX2017, and the first female I spoke to did not seem to understand why I was called ( I  assumed a language barrier/spoke broken XXXX ). The second female rudely told me the call took place on the XXXX. I received the voicemail today, and my cell notes it was received today XXXX17. She said my dispute had been closed. They did not dispute anything! To date, I have called XXXX 3 times. XXXX ( XXXX XXXX, SC - Store Manager XXXX ) remembers my previous call with her about a week and ago. She thought the first charge of XXXX ( XXXX XXXX ) had been charged back. The second charge was a XXXX different XXXX ( XXXX XXXX ). The female in the Chase resolution department told me it was my fault the dispute was closed. Supposedly a letter was mailed to me a month ago, but I did not get it. One was sent a week ago, and has not yet arrived. If I knew this had to be in writing, I would have done it the first day. Chase does not handle disputes like any other credit card. If I have detailed the issues on-line, I should not have to do it again in a letter. I certainly should not have to speak with someone who refused to reopen the dispute, but would happily transfer me to cancel/close my card. This is despicable service. I can tell Chase does not value my business. The only charges from XXXX were made on XXXX XXXX and charged on the XXXX. I was told XXXX was the total for some brackets which would be mailed to me. On XXXX XXXX, I got an e-mail saying they were on their way, but that they were XXXX. When I looked at my statement, I had been billed twice. I have called XXXX 3 times, left a message for XXXX, and spoke 2x with XXXX. Chase has done nothing! This is an unauthorized charge. I should not be charged additional charges by vendors, alert Chase, and then have Chase refuse to dispute the charge. I am also filing a complaint tonight with the Consumer Financial Protection Bureau. Chase has refused to follow-up on this dispute. Chase have been negligent in handling this issue. The female who refused to transfer me to someone who would assist me, and would only transfer me to someone who would cancel my card was not only negligent, lacked any trace of customer service, but she should not be working in any customer service profession.
Product: Checking or savings account

Chase has charged me extended overdraft fee's about two times already. The best part is yet to come, during the XX/XX/XXXX holidays Chase thought it would be a great idea to prey on my bank account and manipulate my transaction orders so they can maximize the overdraft fees they decided to charge me. On XX/XX/XXXX one of my accounts was charged with a payment I had set up for $XXXX I went and deposited $XXXX into my other account and did a instant transfer to cover the payment before XXXX XXXX. I than wake up on XX/XX/XXXX to see my account NEGATIVE little over 300.00 transaction's that magically were organized from biggest to small and than my instant transfer look rigid in one of my accounts I had no money in ended up with $XXXX dollars and the one I did the instant transfer to NEGARTIVE $XXXX. Chase is a predator and does so many fraudulent activities to it's customers it's just so sickening to me how there has been a class action law suit before about the same thing and they go and do it again.
Product: Credit reporting, credit repair services, 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. 

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 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: Checking or savings account

While checking with Navy Federal, I spent thousands in overdraft fees due to them holding money then releasing when they see opportunity to charge overdraft fees. I had to opt out of the overdraft protection but they still held payments and charged fees with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX under Account # XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. 

How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate. 

Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. 

This listed item is entirely inaccurate and incomplete and must be deleted. 

Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It 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.

15 U.S.C. 1681i ( 5 ) ( A ) ( I ) If, 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received notices from companies XXXX XXXX and XXXX that there were some items on my credit report impacting decisions made towards my credit worthiness. Given that I just purchased a second home ( XX/XX/2018 ) and my current score is XXXX as of XX/XX/XXXX based on the information that XXXX XXXX ( XXXX XXXX XXXX  ). On the document it says the following : Several delinquent accounts High Balances ( two home loans ) I don't have any delinquent accounts and if I did, I wouldn't be able to purchase another home. I've reached out to XXXX  before about this issue and was given the run around. This agency never provide responses that are useful or makes changes. The information that they provided is never accurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please see attached, my document of ongoing Dispute with XXXX XXXX XXXX XXXX XXXX XXXX Regarding Billing and Credit Reporting Errors In Case of XX/XX/XXXXs Account No. XXXX XXXX XXXX XXXX
Product: Student loan

FirstMark Services will report to credit bureaus on past due accounts at ( 60 ) days on last day of the month- at XXXX hours ( I was not aware of deadline, and was under the impression I would have until XXXX hours to make a payment ) My payment was less than ( 3 ) hours late. 

I called Firstmark Services today, and spoke with many different people. They all said they were unable to help me, and there was nothing I could do. I searched the internet for help, and decided to reach out to XXXX for information/assistance. They were extremely helpful and worked with me via the phone to enter a formal dispute. They said it would be in my best interest to call back the creditor ( Firstmark Services ), to make them aware of my dispute, and ask for collaboration, as this was a genuine gap in communication and the payment was technically received on the deadline of XX/XX/XXXX. 

I called Firstmark Services back to make them aware of the situation and ask for collaboration, as these derogatory marks against my credit were significant.The supervisor essentially laughed at me during the call. He said they would not work with XXXX through the specific details of this situation to help me out. This has been a very discouraging situation, especially under our current student loan crises.
Product: Mortgage

I filled out an application for mortgage assistance on XX/XX/2023 with PHH mortgage. It started with them stating that they never received my email when I have proof of delivery, they then one month later decided to request additional information which I gladly sent over the same day on XX/XX/2023 for a modification, to this date I keep getting the run around and still no answers on the application for a loan modification. No one in the company is able to assist or answer any questions or even transfer a phone to a a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : 1. XXXX XXXX XXXX. ( XXXX ) XXXX. Dept of education/XXXX  ( XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX. Dept of EdXXXX XXXX ( XXXX ) XXXX. Dept of EdXXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX ( XXXX ) XXXX. DeptedXXXX  ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions. 

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).
Product: Credit reporting or other personal consumer reports

I am writing in regards to Experian sending me an email that I did not ask for on XX/XX/2023. The adverse accounts they are reporting are still inaccurate. Experian is still reporting incorrect dates of negative items being opened without contacting the creditors and just going off of what they have on file.I would also like to mention that Experian is also committing the crime of identity theft. Experian has to have my written consent to be reporting these negative items under law 15 USC 1681B Permissible Purpose. Which I have never provided Experian or any other credit reporting agency. With written consent. Also under law 15 USC 1681 e ( b ) There has to be maximum possible accuracy for Experian to be reporting these adverse accounts. Experian is still reporting adverse accounts with incorrect dates of negative items being opened. From XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX also XXXX XXXX XXXX on my credit report.The dates opened are incorrect and I want these items removed immediately under the law I stated., Thank you, XXXX XXXX
Product: Vehicle loan or lease

I have Finance a car thru one main financial services I bought a extended warranty on the a truck that i purchased from a local dealership and the engine is need of replacement i am still making payments on something that i ca n't drive my problem is not with one main it the a problem with the warranty company the name of the company is endurance Warranty auto services and this warranty is attached to the carloan. i really want avoid reposession of the car
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA I am required by law to have accurate and up to date reporting on my credit report and an old address was found on my report. The address is XXXX XXXX XXXX XXXX XXXX, Utah XXXX. Along with an old address their are old employers as well. The employers are XXXX XXXX XXXX and XXXX XXXXXXXX.
Product: Credit card or prepaid card

PNC cus tomer trying to do the right thing in paying a credit card with extremely high/abusive interest.   Opted to do online banking for better control to try and pay off the card. The online system is made for the customer to be locked out. I have attempted multiple times to cal l PNC wh o is unable to assist by phone. they say they ca n't help because of security reasons despite the fact that I answered all their questions over the phone. I have a credit card on my name and I am on a joint account with my parents. Somehow they would only be able to help based on the debit number. So, I ca n't manage the credit card and keep incurring high interest fees. They are now on the third time sending me via mail  3-7 bu siness days a pin. I have tried this already, it works for a minute and anytime you try a transaction is locks you out.     This is abusive and need to stop. I was also recently contacted by a SCAM company to try to re  duce the high interest rate allegedly which tells me PNC is selling the information to other sub company trying to make money out to the interest it is charging me.
I have been with PNC for 15 years but this is outrageous. As soon that this cards is paid t  hey will never get my business again.
Product: Credit card or prepaid card

This compliant involves Barclay Bank US and XXXX XXXX. 


I am a XXXX XXXX  XXXX XXXX XXXX XXXX I purchase for an airline ticket from XXXX XXXX. I paid in full for an airline ticket from the merchant XXXX XXXX using my XXXX XXXX XXXXXXXX Miles XXXX on XX/XX/XXXX  I have been receiving back charges and duplicate amounts for various amounts from XXXX XXXX since then, some of the charges have been refunded but they continue to be imposed on my credit card even after being resolved initially. 

The original charge was under the merchant XXXX XXXX on XX/XX/XXXX 

The following are some of the recharged and duplicate amounts and the dates they were charged. 

XXXX XXXX recharged XX/XX/XXXX original charge XX/XX/XXXX  XXXX was reversed on XX/XX/. 

XXXX XXXX recharged XX/XX/XXXX   original charge XX/XX/XXXX   Charge was reversed on XX/XX/XXXX  XXXX XXXX XXXX charged on XX/XX/XXXX  XXXX XXXX. XXXX charged on XX/XX/XXXX  XXXX XXXX XXXX charged on XX/XX/XXXX   XXXX XXXX. XXXX charged on XX/XX/XXXX  XXXX XXXX XXXX charged on XX/XX/XXXX  XXXX XXXX XXXX charged on XX/XX/ recharged XX/XX/XXXX  and XX/XX/XXXX   I have tried to reach out to Barclay Bank US and XXXX XXXX XXXX order to resolve the charge backs and excessive charges but both parties have not responded. I contacted both parties via email, phone calls, live chats, and letters but neither Barclay Bank US or XXXX XXXX have reached out to me to resolve the issue. Barclay Bank US continues to rebill the charges from XXXX XXXX even after refunding them. Efforts to contact continue to remained unsolved while hundreds of dollars of charge back have been incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted Transunion and  XXXX  on multiple occasions and they insist on giving me a hard time. I 've had absolutely no problem with  XXXX  disputing and deleting credit inquiries that were fraudulent and unauthorized. I dont understand why its so hard for these other  XXXX  credit bureaus to address and correct the concerns of the consumers. I know they are in the business of making money while our credit is destroyed but its just not right. I did exactly what I was told to do. I contacted each creditor where these inquiries came from and they told me that I have to contact the credit bureaus. I thought it was the credit bureaus job to dispute and investigate any errors that are on my credit report. If im telling you I was a victim of fraud why would n't they look into it more than they do? If   XXXX    can do it, im sure Transunion and  XXXX  can do it also they are just refusing to be accomadating. Ive called many times because I had names and addresses on my credit report that werent mine. I had  XXXX  different social security numbers on my   XXXX   report and they updated my info and removed the inquiries with no problem. Someone need to investigate the unethical practices going on with Transunion and  XXXX . The FRAUDULENT inquiries are as follows ;   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  Transunion  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Mortgage

bject : Complaint Regarding Mortgage Company Holding Insurance Funds Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against my mortgage company, XXXX, regarding the mishandling of insurance funds for XXXX  damage repairs to my home. I have been experiencing significant issues with them since XXXX, when I first received the insurance check for XXXX  damage to my property. 
Here is a summary of the situation : 1. Insurance Funds : I received the insurance check and promptly sent it to XXXX, as required. However, XXXX is only releasing {$40000.00} of the check to me initially, and they are telling me that I must undergo an inspection before more funds are released. 
2. Confusion and Contradictory Information : I was informed that the first inspection must show that 50 % of the repairs are complete before additional funds are disbursed. However, they are refusing to release 50 % of the insurance funds to allow me to begin the repairs, which is contradictory and preventing me from moving forward with necessary work on my home. 
3. Lack of Transparency : XXXX has been unable to provide me with any documentation or agreement showing that I authorized them to hold my funds or release them in increments. Each representative I speak with provides a different response, and I am given inconsistent information regarding what I need to do to get the funds released. 
4. Request for Clear Documentation : I have asked them to provide any signed agreement that would authorize them to hold and release the funds in phases, but they have not been able to do so. I have been told that all my calls are recorded, and I would appreciate your assistance in reviewing these recordings to verify the discrepancies in the information Ive been given. 


I am requesting that XXXX  either provide clear documentation showing that I agreed to this process, or if no such agreement exists, release all my insurance funds immediately so that I can begin repairs on my home. 
This situation has caused significant frustration, and I am seeking your assistance in resolving this matter. Thank you for your attention to this issue. 
Sincerely, XXXX XXXX
Product: Debt collection

There is an attempt to collect a debt that does not belong to me from Professional Debt Mediation Inc I have been sending multiple disputes about this debt being on my reports to XXXX and XXXX since XX/XX/XXXX. Constantly sending letters and no response from anyone. 

Today I got a notice dated XX/XX/XXXX from Professional Debt Mediation with a copy of a Move out settlement report with an address in XXXX XXXX, FL in which I have never resided and have been living in XXXX, ID since Mid XXXX so I don't see how I can have a lease agreement in Florida. 

The information that was sent does not even have a my signature or signed of my name. 

Would like to know how this debt was verified and if my full social and date of birth was given or any copies of my identification was provided. 

This is a completely false debt. Addressed it many times and not after 5 months and putting in a complaint is when they actually start the investigation. 

Also I do not even see XXXX XXXX XXXX XXXX in the state of Idaho.
Product: Credit card or prepaid card

I have 2 Chase credit cards. One of them ( Amazon card ) is being paid automatically from outside checking account ending in XXXX but I will close that checking account. My other Chase credit card is being automatically paid from outside checking account ending in XXXX which is good. I want my Amazon Chase credit card to be automatically paid from my XXXX account like my other Chase card. But when I tried to set up autopay through Chase website, it asked me to log in to my outside bank account which I will NOT do. I messaged through Chase website on XX/XX/22 and asked them to set it up, and XXXX answered on XX/XX/22 " We need to speak with you directly to resolve this issue. Please call us at XXXX XXXX XXXX XXXX. '' So I called that number and, after a time on hold, spoke with XXXX. She refused to help me and instead transferred me to XXXX from tech support who could not help me. Since Chase already has my outside checking account that is paying my other Chase credit card, Chase knows that that is a legitimate account in my name.