23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion, XXXX, XXXX in regards to unauthorized, inaccurate, and unverifiable information, inquiries and accounts on my report. They refused to assist me in the accurate investigation of these cases when I filed disputes with them, some they wouldn't help me dispute at all. In accordance with the fair credit Reporting Act Transunion, XXXX, and XXXX have 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 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C, Accounts : XXXX XXXX XXXX Texas, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. also several inquiries from 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 all dating from XX/XX/XXXX - XX/XX/XXXX.
Product: Student loan

I called American Education ServicesXXXX for approximately a year to ask about getting a lower payment plan and I was told contradicting stories. I would call and was told that I did not qualify for any lower payments. Then, I would call back a couple of months later and be told that I could apply for a lower payment plan. However, when I would call to check the status of the payment plan, I would be told that I was given incorrect information. I was even given an application I was told to submit for a lower payment plan but, XXXX kept denying my application for failure to put " N/A '' in the blank spaces. My application was denied 3 times for failure to use " N/A. '' In the meantime, my account was falling past due and XXXX referred my account to a debt collector. The debt collector found my work information and left a voicemail on work phone. I had not provided XXXX any information about my employer and did not give them or any other third party permission to call me at my job! When I called the debt collector, I informed them that I had paid my account via XXXX and that they did not have the updated information. When the debt collector conferenced XXXX into the call, the XXXX agent confirmed that I made a payment but, then the amount that I owed changed. I also asked XXXX if they informed the debt collector that I had been calling XXXX asking for help in reducing my payments and asking if I could get help catching up and if XXXX had also informed the debt collector that I kept getting the wrong information and having my applications denied from XXXX. The XXXX Agent 's response was that there was absolutely nothing they could do for me and that I would have to leave my account in collection and then wait for XXXX to make a decision on my application. After the phone call, I called XXXX directly and asked about a payment plan once again, the XXXX agent told me that she reviewed the notes on my account that the agent from the previous call had told me the wrong information about not having any options. She told me that I had the option for a lower payment plan and said she would only need to read a disclaimer before I could be put on the plan. It was only after continuously having to call XXXX, having them send my account to collections and having them play games with me for a year, that I was able to get some relief. My credit has been ruined by XXXX and they seem unwilling to work with me often. I do not think it is right how this company lied about my options and my credit has suffered as a result.
Product: Money transfer, virtual currency, or money service

I'm trying to use the XXXX XXXX  feature on XXXX  which is a well known app that has no security issues at all and seems 100 % safe, yet you guys do not allow it to work 100 % with PNC. Please let things work with well known, safe companies like XXXX. There is no reason to let these not work and will only push customers away from using PNC for banking purposes.
Product: Debt collection

The debt collector Fein, Such, Kahn & Shepard P.C. is collecting a debt from me for unpaid tuition. For almost a year they have not complied with my requests for an itemized statement of the debt. They have sued me to garnish my paychecks and I still dont have access to the amount I owe. They are charging late fees, interest, and other legal fees but have totally refused to tell me what the interest percentage is or show me a statement of the charges that have incurred since they acquired the debt. I have been compliant and make all of my payments on time and they continued to garnish my wages and charge late fees with no explanation and havent sent me a statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon calling both bureaus I was told i couldnt be verified and they wouldnt remove anything on my credit report despite the both of us viewing my credit report at the same time, i never gave consent to them to view, nor will they remove inaccurate info upon me attempting to dispute. I recently reviewed my credit report and noticed some unauthorized inquires on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partiaI and I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had permission Under 1681 b number 2 & I never instructed you guys to create nor did I consent to this report in the first place. What I am demanding right now is that you guys delete all of these inquiries not attached to an account XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXXXXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/ XXXX XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXXXXXX Inquiry date XX/XX/20XXXX XXXX  XXXX Inquiry date XX/XX/202XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX  Inquiry date XX/XX/2022 XXXX - XXXXXXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX
Product: Credit card

Ive been a Chase Sapphire customer for about 2 years now. 

I enrolled in a payment plan by Chase for an Amazon purchase worth {$2800.00} on XXXX XX/XX/2022. The payment was to be made in 18 installments over the course of 18 months.

I was paying off this purchase on schedule and on time till 4 months which amounts to {$630.00}. 

4 months later, I got a refund from United Airlines for some flights I booked through this credit card worth {$1300.00} and this is where the ordeal began. 

Chase claims that any credit/refund which comes into the card, that amount automatically goes towards the payment plan so in this case the credit from United Airlines got applied to the Chase payment plan. 

So in this case, {$2800.00} - {$630.00} ( the payments I made for 4 months ) = {$2200.00}. 

Then apply the credit from United Airlines {$2200.00} - {$1300.00} = ~ {$850.00}. ( Credit from United Airlines ) I continued to make payments every month for the payment plan unbeknownst of the fact that Chase had decided to apply the flight credit automatically to the payment plan. 

Firstly, the claim from Chase that credits are rolled over into your payment plan are bogus. There is no way the system is designed to roll over money into a plan like that unless I explicitly make a payment into the plan on a monthly basis or I decide to pay it off. 

Due to this, I was getting charged interest on my United airlines transactions as their system was considering these transactions as outstanding balances. 

I called Chase after noticing this and they agreed this was a glitch in their system and this shouldnt have happened. I was able to get these interest charges reversed for a total of 4 times. But after 4 months this STILL kept happening and due to circumstances I wasnt able to get on a call with their useless customer service and be kept on hold for long periods of time. 

Due to this I kept getting charged interest for a total of 14-15 months since I got the United refund which amounts to {$190.00} worth of interest. 

We escalated to the Chase Executive Office to get this resolved but no one at Chase seems to care and acknowledge that this was an error on their part and they keep passing this off as something which is how it's supposed to work. Weve also filed a XXXX complaint and that has gone in vain. 

This case is being handled by XXXX from the executive team and his number is XXXX extension XXXX. The customer service has been abysmal with zero accountability and all my concerns have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the Equifax, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.
Product: Checking or savings account

I recently got married and attempted to add my wife to existing bank accounts or open new joint ones with her. I also moved some money between accounts I own. This was on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a couple of other dates I can't recall. 

Every time I try to move money into a new account or open a joint account, they freeze all of my accounts and all of my wife 's accounts. We have to call every time and go through a verification process for them to allow us to access our money. One time they made me spend an hour on the phone, verify an unrelated account with a different joint account holder, and change my password. 

I've asked if there's a way to avoid this happening in the future. They said there is not due to my " profile being flagged '', but could not elaborate as to why it's flagged. They said there is no manager or similar who I could speak to in order to have this resolved, and that this is simply the process I need to go through in order to make changes to my accounts. In-person branches stated they can not open accounts or add joint account holders, it can only be done online.
Product: Debt collection

I rented a car from XXXX in XXXX on XX/XX/year>, and in XXXX on XX/XX/year>, both of which were fully prepaid. When returning the vehicles, I confirmed multiple times that the balance was XXXX. However, I have been receiving continuous emails from a debt collector called XXXX XXXX XXXX, demanding a payment of {$1000.00}. Yesterday, I even received another email offering a XXXX XXXX  discount if I pay. Since I have already fully paid, I have no obligation to make any further payments. Attached are the supporting documents. 

Budget Reference # : XXXX & Budget Rental Agreement XXXX ( Pick up at the XXXX XXXX at Texas ) Budget Reference # : XXXX & Budget Rental Agreement XXXX ( Pick up at the XXXX XXXX at Texas ) XXXX XXXX Service account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. MOHELA/XXXX XXXX XXXX XXXX XXXXXXXX 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. 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. 

To add personal statements : I've never made a payment to this company, yet they continue to report inaccurate information on my credit report regarding " current payments. '' I have not agreed to any terms with Mohela Pathway.

I never opened an " Education '' account after the year of XXXX. 
The company has yet to reply in writing to my Debt Validation letter sent on XX/XX/XXXX.
Product: Credit card

Back in XXXX of 2014 I contacted Bank of American in regards to XXXX payments I made. I made a payment in XX/XX/XXXX and then the following month in XX/XX/XXXX. I was told the payment was XXXX days late. I am very upset because I been a loyal customer with Bank of America for XXXX years and I have never been late on my credit card bill. And I always pay my bill before the due date. They did nothing to help me and they told me I was late. I told them I was not I asked them if they could remove they late fee or reverse it and they told me no. As a loyal customer they should have done it anyway. I have an excellent bill history with them and they did nothing to help me and were very rude as well.
Product: Credit reporting or other personal consumer reports

Good Afternoon XXXX XXXX, I hope this email finds you doing well, so I was searching for help improving my credit score back in XXXX XXXX XXXX  so I used the XXXX Search Engine and found Kikoff and I thought that Kikoff was the best option for me.

But here is the catch, I have seen nothing that kikoff lending has done for my credit score, and in fact i believe that Kikoff has damaged my score by reporting late to the credit bureaus. For a company that's wants to help people improve their score, it can not be done by putting bad marks on people 's credit file. 

So, here is what I'm requesting. I am asking for my account with Kikoff to cease and desist. I am asking for a refund of all money paid in and a full deletion off all of my credit files. I hope we can reach a formable solution to this problem but should we not, I will further esculate this to the Consumer Financial Protection Bureau. 

I can be reached at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the wake of a massive data hack, equifax is offering limp consumer protections for free while charging high rates for actually effective tools, like credit report freezing. Currently they are charging triple the rate that XXXX charges for a freeze. They are overtly profiteering off of their own grievous negligence.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a formal request for investigation to Equifax regarding certain inaccurate items on my credit report. Equifax responded that the items were verified, yet failed to provide any supporting documentation proving the validity of their investigation. 

On XX/XX/XXXX, I sent a follow-up demand requesting Equifax policies XXXX procedures, and specific documentation used to verify the disputed accounts, including their method of verification ( MOV ) under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ]. Equifax has failed to respond with the required documentation.

I read the CFPB 's suit against Equifax regarding improper investigations and it applies to me here. I was also a victim of their data breach. 

Under FCRA 611 ( a ) ( 5 ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ], if a disputed item is not properly investigated, it must be deleted from my credit file. Equifax failure to provide the requested verification documents indicates noncompliance with federal law. 

If Equifax does not remove these improperly verified items, I will be filing a lawsuit in XXXX XXXX XXXXXXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and pursuing all available remedies.
Product: Debt collection

I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt.
Product: Debt collection

XX/XX/19 : I was contacted by XXXX XXXX of Ability Recovery Services at XXXX XXXX XXXX, XXXX, PA XXXX. In the first phone call, she said the call was from a debt collector and told me the call would be recorded. She told be an amount over {$600.00}, which was to my knowledge, above the initial creditors amount due. I asked about it to which she responded that this is the amount due. I told her Id call the creditor, to which she said they will just have me call her back and hung up. 

I called back on the same date XX/XX/19, and the call was immediately answered by her, and without anything else she said, XXXX I have to call you back Im taking a payment. And she hung up on me. 

She called me back a couple minutes later and did not identify herself as a debt collector and that the call was being recorded. She was extremely rude, told me if I had just paid in the first place, continued to raise her voice, and claimed I was making demands when I was asking for the business name and address. I kindly asked for a validation of debt, and she said I was using stalling techniques and trying to make me feel as if I was being unreasonable in my request to ask for debt validation. I asked for the address and name of the business and was provided the information. She then began to say you dont have to be such a ... and then I couldnt hear anything else. I said excuse me, what did you say? And she says oh Im still here. She attempted to verify my address and couldnt say it because, per XXXX, she doesnt speak Spanish and claimed I was picking on her when I said that she couldnt pronounce it and was going to offer to pronounce it for her.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent
Product: Credit card

hi i just found that i have a judement on my home i have been working with a mortgage company on selling my home so i can move closer to work the problem is i have contacted FIA Card Services several times also my mortgage company has to we have sent all info they asked for to release the judement and know body has contacted me or the mortgage company everything shows satisfied on my credit report we was told that me or my mortgage company would be contacted in 24 to 48 hours this has been going on for a month what is sad you can not talk with the people that handles this you talk with someone that tells you what to fax to them i filed bankruptcy in 2010 and they act like they dont have to do anything
Product: Money transfer, virtual currency, or money service

Used XXXX and Zelle in the past Ive had two separate issues with both apps. Both of these issues happened back ranging from XXXX XXXX. Had someone hack my IP address and use my XXXX  to send themselves {$1500.00} and when I went to XXXX to report this issue they said theres nothing we can do even though I never authorized any transaction of the sort and the money was just gone. 

2. I switched to Zelle after the incident with XXXX  and I started to see money leave my account from through my Zelle when I called Zelle about the issue of money being sent I asked who was the recipient since I never sent anything and they said they dont know. When I tried to dispute to get the money back they said it was in a locked account that they dont have access to retrieve the funds so unless the recipient sends the funds back theres nothing they can do.