23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Several months ago I received a phone call from a collection agency on behalf of XXXX XXXX XXXX  to collect an outstanding cell phone bill. I requested a breakdown of charges because I felt I was being over charged. The collection agency tried to correspond with XXXX XXXX XXXX  and never got a response so they released the debt. I never received any correspondence from XXXX XXXX XXXX  or debt collection agency after that. Until, upon checking my credit report saw that it had been reported as derogatory by this new debt agency Diversified Consultants. I found their contact info online and contacted them, as well as XXXX XXXX XXXX, only to find out the reason I never was contacted by diversified is because they had the wrong mailing address. They assumed I was not going to respond to them so they reported me as derogatory to the credit agencies. I explained to them that it would be impossible to pay them not knowing who was holding the debt. Its unfair that I only find out because it is on my credit report. Both diversified and XXXX XXXX XXXX refused to accept responsibility that they both had incorrect mailing information.
Product: Mortgage

I was a participant in the class settlement with Ocwen for misapplication of payments. I had some account adjustments done effective XX/XX/2018 to reduce principal due to the company 's misapplication of prior payments. Starting in XX/XX/XXXX, I have noticed a lot of strange adjustments on my account. There are several negative entries in the exact same amount of my normal ( bi-weekly ) mortgage payment. I have reviewed the payment schedule, and spoke to Customer Service, but all they told me was that this was " correcting a misapplication of payments ''. I asked if it was due to the class action settlement, and was told that it was not. Clearly this person was just reading off of a script because he told me the " procedure '' directed him to refer me to a website and/or phone number about the class action settlement. I have also received a past due notice, despite NEVER missing a payment, and was told by Customer Service this was an error. I am not confident in Ocwen 's ability to apply my money in a correct and honest manner. I want to have a complete review of my account because I do not trust Ocwen.
Product: Checking or savings account

On XX/XX/2022 ; I purchased two XXXX watches at XXXX XXXX XXXX store located at XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX. The total amount of the purchase is {$93.00}. The funds was withdrawn from my checking account I have with TD bank. However, on XX/XX/2022 another transaction in the amount of {$37.00} was posted to my checking for the same purchase. I called TD bank and explained to one of the account ; the funds of {$93.00} was taken from my checking however, I can not find the transaction in my checking account history. I was told by the accountant sees the transaction of {$93.00} however it was taken off. The accountant couldn't explain why the funds {$93.00} was withdrawn then taken when there is a balance of {$110.00} in my checking account and a balance of {$84.00} in my saving account.
Product: Credit card or prepaid card

XXXX XXXX, known as the California state 's Middle-Class Tax Refund. Issued by XXXX XXXX XXXX XXXX, XXXX Money Network. 
My complaint is against XXXX XXXX XXXXXXXX XXXX XXXX XXXX and Money Network. 
In California millions of California residents including me received a debit card from XXXX through Money Network. I am afraid to activate the card because many CA residents complaining, and it is in the news all over in California. Ch. XXXX XXXX. XXXX that when they activate the card there is no money on it. Another issue is for me and many California residents is privacy concerns. There is also the issue that you can't contact neither the Bank or the Money Network and speak to a live person to replace the debit card to a check. I tried to contact Money Network on the telephone on both numbers they provide on Money Network Website # XXXX and telephone # XXXX unfortunately no customer service. It is impossible to speak to a live person. Could the XXXX XXXX XXXX find out what are they hiding and why so many people after activating the debit cards find that there is no money on the debit card issued by Money Network?
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 XXXXXXXX, XXXX Dept of ED XXXX XXXX Dept of ED XXXX XXXX Dept of ED 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: Student loan

I have several months of negative reporting for Acct # ending in XXXX from XXXX, which is showing " pays as agreed '' however, it 's showing delinquent from XXXX to XXXX of XXXX. And the other Acct # ending in XXXX from XXXX to XXXX, is reporting negative from XXXX XXXX to XXXX XXXX. During these time my loan was actually in Deferment/Forbearance status. So this credit reporting is inaccurate and should not be negative on my credit report. I DO NOT want my loans to be removed because of the age of the account, which I need on my credit report for history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 my credit file was pulled unknowingly so I need this to be removed from my report with prejudice.. I called but no answer
Product: Mortgage

I am trying to get a modification to save my home because I was going through XXXX  and fell behind in my mortgage. I was recently denied and never received notice of the denial to file an appeal. I am doing everything possible to save my home, but I am not getting the help I need.
Product: Debt collection

Case # XXXX - XXXX XXXX account from Cavalry with insufficient validation information case # XXXX. 

I am reporting this credit application that includes WRONG information. 

XXXX was unable to verify my personal information prior to their approval. 

THIS IS A BIG ISSUE AND TOTALLY UNACCEPTABLE. 

I have requested from Cavalry the exact location of the store where the purchase was made ; Cavalry was UNABLE to provide any information. 

This collection account on my report is causing me major problems with other creditors.
Product: Credit reporting or other personal consumer reports

The reporting agency has failed to correct inaccurate information on my credit report after multiple disputes, violating my rights under the FCRA 611 ( a ). Despite providing evidence, the agency has not conducted a reasonable investigation or provided proof to substantiate the inaccurate data. This negligence has severely impacted my creditworthiness and caused financial harm.
Product: Checking or savings account

Hi, my name is XXXX XXXX and I have a joint bank account with my mother XXXX XXXX. Around XXXX the PNC Bank mobile app and website was not letting us log into our accounts. The next day, we were able to log back in and saw that all of our money was gone. I called PNC bank and they told me many people were hacked that day. They told me they couldnt do anything over the phone and told me to contact the police. I contacted XXXX Police Department and they told me they couldnt do anything until PNC bank wrote them a letter confirming that our money was missing. I went to the bank and I was told I no longer needed to involve the police and that they would do a dispute to return our money. When the dispute was done, we received back our {$3600.00}. This month PNC reversed the dispute done in XXXX and said my mother and I needed to repay them the money that was returned to us. They took my mothers paycheck of {$1100.00} out of our account and they also did a fee of {$72.00}.
Product: Checking or savings account

I am writing to formally dispute the denial of my claim regarding XXXX unauthorized transactions made on my business bank account with Chase. Below is a list of the fraudulent transactions : XX/XX/year> {$2000.00} XX/XX/year> {$1000.00} XX/XX/year> {$2000.00} XX/XX/year> {$1000.00} XX/XX/year> {$2000.00} XX/XX/year> {$5000.00} XX/XX/year> {$1000.00} XX/XX/year> {$5000.00} XX/XX/year> {$5000.00} XX/XX/year> {$5000.00} XX/XX/year> {$3000.00} XX/XX/year> {$2000.00} XX/XX/year> {$5000.00} XX/XX/year> {$2000.00} XX/XX/year> {$5000.00} XX/XX/year> {$1000.00} XX/XX/year> {$2500.00} These transactions are unauthorized and I believe to be fraudulent. My claim was denied by Chase, referencing a 30-day window to report transactions. However, these charges fall well within that 30-day window. It appears the claim is being denied based on a technicality, specifically referencing an older fraudulent dispute, rather than addressing the actual charges in question. 

Additionally, Chase has refused to look at the supporting documentation I provided, nor have they conducted a thorough investigation, which I believe is in violation of the Electronic Fund Transfer Act ( EFTA ). Under the EFTA, I am entitled to a proper investigation of these fraudulent transactions.

I also want to bring to your attention that the dispute was deleted from the online portal, and it no longer appears as an open or closed claim it is completely gone from my view, preventing me from tracking its status. This further complicates the situation and adds to my concern that the claim is not being handled appropriately. 

Finally, the denial letter I received does not reference the specific transactions in question, nor does it clearly state why my claim was denied. 

For reference, my claim number is : Claim XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatories disputed and verified as accurate on XXXX XXXX XXXX XXXX XXXX {$1400.00} which was sold to XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX {$940.00} XXXX XXXXXXXX XXXX   XXXX Equifax : XXXX XXXX   XXXX $?.?? XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I got the service of Equifax so I could monitor my report and credit score monthly from the XXXX credit reporting agencies for {$19.00} a month, Since then I have contacted Equifax numerous of time to complain about not getting the service I'm paying for the keep telling me they're going to stop withdrawing from my account every month and they are going to reimburse me and nothing on XX/XX/XXXX Equifax when in my account again. they are only sending me one report out of the XXXX
Product: Mortgage

Select Portfolio Services has committed fraudulent acts against XXXX XXXX XXXX XXXX and her son, XXXX XXXX XXXX. Their house payment has never been late, now SPS has sent their payment back and rejected the payment. They say she has taken bankruptcy when she has not ever filed for bankruptcy. They have been threatening to forclose for the past 7 years. They also sent a letter asking them to take {$10000.00} and relocate or be forclosed upon. SPS says there is a lien on the house and property, but it is confidential and they refuse to let XXXX XXXX know who has a lien on her property. When XXXX XXXX went to refinance through her regular bank, the banker called SPS for a payoff amount. SPS refused to give a payoff amount. XXXX XXXX has also found out that she has XXXX acct numbers when she should only have XXXX. XXXX XXXX is a XXXX yr old lady and her son, XXXX is XXXX.
Product: Money transfer, virtual currency, or money service

XXXX, Below is my message to Navy Federal Credit Union. I've continuously reached out but it has come to a point where my checkings is overdrawn, I have no electricity, food, and gas. 

Dear Navy Federal Team, XXXX, XX/XX/year> I'm an XXXX XXXX in Florida struggling with loan/credit card rates ( opened during service ). My power is off, fridge food melted, and I overpaid my apartment complex, amidst losses ( XXXX, breakup, XXXX move ). 
I may qualify for **Military Lending Act ( MLA ) ** relief, capping MAPR at 36 %. 
Please confirm and adjust rates if applicable ( orders attached ). 
Your XX/XX/year>, email ( XXXX XXXX, " to XXXX ' ) denied SCRA relief. Is this a denial of all relief, including MLA? I'm concerned about the personal email response. 
Unresolved requests : 1. Stop auto-payments ( **Payment Management Options** ). 
2. Rate reductions/deferrals ( **Military Assistance Programs** **Active Duty Benefits** ; I completed your **Personalapplicable ( orders attached ). 
Your XX/XX/year>, email ( XXXX XXXX, " to XXXX ) denied SCRA relief XXXX Is this a denial of all relief, including MLA? I'm concerned about the personal email response. 
Unresolved requests : 1. Stop auto-payments ( **Payment Management Options** ). 
2. Rate reductions/deferrals ( **Military Assistance Programs** **Active Duty Benefits** ; I completed your **Personal Finance Program** ). 
3. Hardship support ( **Deployment Support** ). 
Per your **Mission Statement**, please respond by XX/XX/year>, with : - MLA eligibility/rate adjustments. 
- Denial clarification. 
- Auto-payment stop. 
- Discretionary relief. 

I may escalate to the **CFPB**
Product: Checking or savings account

I went to a Citibank branch to make a cash deposit ( XXXX XXXX dollars ) ( XX/XX/year> ) in the atm machine. Instead of crediting my account. The machine took my money and did not provide a receipt. The atm machine had an error This atm cant dispense cash right now This atm cant accept cash right now. I was able to check my balance, my deposit was not credited to my account. I called the XXXX number on the back of my card. I was told by a representative that an investigation can take 5-10 business days. Which I can not wait that long. I went to the branch the next day ( XX/XX/year> ) and was told they can not do anything but to call the XXXX number on the back of my card. I file another complaint and I still have to wait. I asked how do I know my cash will be accounted for, do you check the cameras and the data of the atm machine?
Product: Money transfer, virtual currency, or money service

PayPal limited my account 's ability to send and withdraw funds for no clear reason on Sunday, XX/XX/year>. They asked me to submit some valid documents including my National ID, proof of residence, and bank statement ( I was unable to provide the bank statement, but I spoke with one of their online agents who assured me there was nothing to worry about. She said she would submit a ticket explaining that I couldn't provide it because I haven't opened a bank account for myself yet ; I simply send money directly to my brother 's bank account ). The amount of money in my PayPal account is {$120.00}, which I earned as an XXXX XXXX XXXX for XXXX. I provided them with proof that this amount came from my earnings as a freelance worker. 

After submitting the required documents, my account was permanently limited, preventing me from accessing my funds. Following the restriction, I noticed I was unable to contact any agents to inquire about what had happened. I emailed them to request clarifications and a detailed review of my account, but I have not received any response. 

I understand there are rules in place, but I did not engage in any unlawful behavior to earn this money. I can provide evidence that the money was legitimately earned from the company and was not obtained illegally. I want to complain because holding my funds for 180 days is absolutely unfair. I am still in college and work while studying, which is why I rely on these funds to fulfill urgent financial obligations.
Product: Mortgage

For the 3rd time in a year that I am coming here about PHH Mortgage. For yet continuing to fail people who are asking for help. They've replied to both prior complaints with good words and then failed to communicate effectively thereby creating excuses to renig both times. Despite my compliance at every turn. In XX/XX/XXXX I was promised an exception to the loan modification but then they backed out by claiming they requested additional documentation they never received.

" At this time, to move forward with the request for a modification exception we require an updated and complete RMA package be filled out and returned specifically asking for an exception be made to the denial on the account. Once we have that we can go back to the investor for approval for the exception. We apologize for any confusion this may have caused you, unfortunately we did not get the request for additional information from the investor until XX/XX/XXXX, after our prior response was already sent. Without an updated RMA package with current financials we can not move forward with the exception request. If you have questions regarding the loan modification, we encourage you to contact the Relationship Manager assigned to the account. '' They have since received this updated information twice ( most recently in XX/XX/XXXX ). I was told I needed to follow up with further documentation which I also provided both times. 

When I spoke to an associate at PHH on XX/XX/XXXX I was informed there was no record of the application and proceeded to set an appointment with a relationship manager for XX/XX/XXXX. On XX/XX/XXXX, I called PHH and inquired about the application and that agent was able to locate the application. This same day I received in the mail a notice requiring " additional documentation. '' The same documentation I have sent- to the same address they've provided every time- two other times since XX/XX/XXXX. 

So for 3 years now, due to PHH 's complete inept ability to communicate not just with me but within their own departments I am nearing foreclosure. When all I've ever wanted to was to keep my home. I've fallen on hard times with the recent death of my mother along with multiple other hardships these passed few months. But I could have been making payments nearly this whole time had PHH done what they originally said they would done. 

As of today ( XX/XX/XXXX ) the house is set to experience foreclosure. But I was assured by PHH mortgage employee XXXX, employee ID XXXX, that in the next 5 business days, the account would be brought up to date with the application I submitted on XX/XX/XXXX and the additional documentation I submitted on XX/XX/XXXX and the foreclosure process would be stopped. I will be following up with PHH next Monday.
Product: Student loan

When I applied with XXXX University my expected graduation date was supposed to be XX/XX/XXXX so my funding package was created ahead of time until that date. When XX/XX/XXXXcame around I noticed that I still had 3 classes left, so when I got a call from XXXX stating that I needed to schedule a exit exam because I was about to graduate I asked how that was possible considering I still had 3 classes left. The person I spoke with looked into it and said someone else needed to call me back. I then received a call a few days later from my academic advisor stating there was a mistake and somehow my file ended up in theXX/XX/XXXXgraduation pile which mind you, my enrollment forms and financial forms all have XX/XX/XXXX as my graduation date. So she said that would request an extension for my financial aid coverage which she then told me was approved and I would be covered for the last 3 classes. I then received a call from XXXX towards the beginning of XX/XX/XXXX stating that there was a mistake with my financials and my last class would not be covered and it was going to be {$2000.00}. I explained that I did not have money and was told I would be covered so then XXXX  academic advisor then told me to apply for a private loan which I did not think I would be approved for since my credit was already bad. She stated that she knew for a fact I would get approved if I applied for XXXX XXXX XXXX XXXX, which I did apply and I did get approved but of course there was an error on their part again and she told me I only needed to apply for {$1300.00} and the difference would be taken care of but I guess XXXX XXXX XXXX XXXX has a minimum loan amount of {$2000.00}. So I had to reapply again which was 2 credit hard inquires that I took. I then failed my class and asked for a substitution class within that same category and I was told there was no way I would be able to by the Dean via email. I was then told that my only option was to withdrawal which I asked for the forms and emailed them back due to the financial fraud that was conducted. I started receiving statements from XXXX XXXX XXXX XXXX on XX/XX/XXXXand I made the first payment but by the next statement I realized that XXXX XXXX XXXX XXXX was taken over by the company XXXX XXXX XXXX so I did some research and XXXX is a financial company within XXXX which I was originally told it was a separate financial Loan institution. I have all the fraudulent financial information and current billing statements. I do not believe i should be responsible for this out of pocket expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two duplicate inquiries from XXXX  XXXX XXXX from XX/XX/2020. I have contacted TransUnion and they refused to investigate the issue. 
I have filed a complaint with XXXX  XXXX XXXX as well. They respond and said they would fix in on XX/XX/2020. The inquirys are for the same date and time.
Product: Debt collection

I RECEIVED A LETTER IN THE MAIL STATING THAT I OWED DIVERSIFIED CONSULTANT {$630.00} AROUND MONDAY, XX/XX/XXXX I DO NOT BELIEVE I OWED ANY DEBT TO DIVERSIFIED CONSULTANT, SO UPON RECEIVING THE LETTER I SENT A DEBT VALIDATION LETTER ON XX/XX/XXXX ( VIA CERTIFIED MAIL ) AND THEY RECEIVED MY LETTER ON MONDAY, XX/XX/XXXX ON WEDNESDAY XX/XX/XXXX THEY SENT ME THE SAME DOCUMENTS ( WITH NO WRITTEN  SIGNATURES OR E-SIGNATURES SIGNED BY MYSELF ) OF AN OLD BILL STATING THEY HAD THE RIGHT TO COLLECT.