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

I received several emails from XXXX XXXX XXXX stating that I had ordered a mobile device a Red XXXX XXXX XXXX Gb that was apparently ordered on XX/XX/2020 I thought it was a scam and I deleted them. My daughter called and told me she was a victim of a possible data breach on her credit. I checked my credit report and found that there was in inquiry for XXXX XXXX XXXX on XX/XX/2020 I immediately disputed the inquiry and called XXXX XXXX XXXX since the phone was in the process of being delivered they cancelled the order. I immediately joined XXXX to monitor my credit.
Product: Student loan

This is a repeat of complaint XXXX that I am submitting to address updated deadlines that are, once again, missed. 

I am a member of the XXXX v. XXXX settlement class. Per this settlement, Mohela, my federal student loan manager, must discharge the qualifying loans and fully refund me by XX/XX/XXXX. Some loans were discharged in XX/XX/XXXX and refunded in XX/XX/XXXX, over three months late. 

Mohela and the Department of Education were given an extension to address any outstanding loans by XX/XX/XXXX. I have two consolidated federal loans, totaling {$20000.00}, that are a part of this settlement class that has neither been discharged nor refunded. 

On XX/XX/XXXX, the parties in XXXX XXXX 's courtroom confirmed that all loans would be discharged by this time and refund checks would be " in the mail. '' I have multiple " escalated '' tickets with Mohela and the Department of Education 's Borrower 's Defense teams. 

I remain unclear as to why and how Mohela can ignore the direction of a Federal Judge. I am also unclear as to why consumers face financial penalties for late payments, and Mohela does not. 

I anticipate a response from Mohela that they do not have the necessary information from the Department of Education, Borrowers Defense. While I believe this to be true, I have no indication of the proactive management of my accounts. Mohela 's passive management is to their benefit and my expense. 

Further, Mohela continues to direct me to facilitate communication between Mohela and the Department of Education. I have done this work in an effort to conclude this financial ordeal. It is at the cost of a significant amount of my time and energy. Why is Mohela paid to manage my accounts when they outsource their labor to me?
Product: Credit reporting or other personal consumer reports

I have a security freeze in place that I was trying to unfreeze in order to turn my power on in my new apartment. The utility company could not verify my identity and I found they were using Experian and I had a security freeze. I tried to login to my Experian account and forgot my username and password. After several attempts, I entered my SSN and birthday info, Experian could not verify me. I figured I must have locked myself out after several attempts. I called many different phone numbers and never could get a hold of a person. The recording kept telling me to go online. It was a loop and I could never get a hold of a person. There was an option to MAIL personal identifying information to them, but I do not want to do that for obvious reasons. Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX During the month of XX/XX/XXXX, I became aware that Capitol One had run two unauthorized inquiries on my Social Security numbers, they were done on : XXXX XXXX, XXXX & XXXX XXXX, XXXX I contacted Capitol One about the issue The call was escalated to the Fraud Department Supervisor, who verified all my information and informed me that he was deleting both the inquiries and would be updating all three credit reporting agencies, such as XXXX, XXXX & XXXX authorizing them for removal of the inaccurate information from my account, which would be updated within the next 60 90 days. 
XXXX XXXX, XXXX The information was not deleted as agreed. I once again contacted Capitol One to have it resolved and was informed to send it in writing, which I did on XXXX XXXX, XXXX by registered mail. I followed up again and was told to send it again on a Capitol One Form, which I once again did. 
XXXX XXXX, XXXX XXXX XXXX I contacted Capitol One and spoke to the Fraud Department. I was placed on hold for 1 Hour and 5 Minutes. The person identifies herself as the Manager of the Fraud Department and only gave her name as XXXX and refused to give me any additional information or her last name. XXXX stated that her Employee number was XXXX. She informed that though they had received my documentation on XX/XX/XXXX, they could not process it and wanted me to send it to them once again. I asked which address it should have gone to and they stated the Capitol One address in UTAH. It is the same address which I have been sending all the documentation to. 
Bottom Line I believe Capitol One is playing games with removing the fraudulent information and in addition retaliated against me by reducing the credit line on my credit card under the guise of me not using it. They need to fix this issue, as they created it.
Product: Debt collection

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.
Product: Debt collection

On XX/XX/18, I received a phone call asking to speak XXXX XXXX. That is my maiden name and has been changed for almost 14 years at this point, so that was the first thing that made me think this call was phony. The person on the phone said that there was some paperwork they are trying to get to me and asked me to confirm an old address. I figured the call was about old debt that is past the statute of limitations, I should have played XXXX  and got them to break more laws, but instead I asked them to provide me the address to send them a cease and desist. The fellow refused to provide the address and I requested to speak with the manager. XXXX then got on the phone and played bully. She refused to give me the address unless I confirmed my information which is illegal. I advised her I manage a XXXX XXXX and she then doubled down on her message. I asked repeatedly for the address and she flat out refused giving all the old school collection tactics I thought have been retired. 

I think the company is D2 Management LLC, the rep said D2M was the company name.
Product: Consumer Loan

I was involved a severe accident on XX/XX/XXXX. I promptly contacted my insurance provider, XXXX, to notify them and begin the claims process. To my disbelief, I was informed that NONE of the damages to my vehicle would be covered - but that XXXX would provide coverage for my medical bills and the other involved parties expenses. While I am relieved to receive partial coverage - I am absolutely frantic that there was a discrepancy within XXXX that has allegedly disqualified my vehicle from the " full coverage '' that I and my lienholder ( Santandar USA ) believed to be in place. According to the XXXX representative that I spoke with, an inspection was required to retain Comp & Collison coverage, which was removed on XX/XX/2015 - a month after starting my policy with them. The XXXX representative stated a certified letter was mailed to notify of the change in coverage. However, she could not produce a copy of the letter for my records after requesting one. The representative also stated a letter was mailed to Santadar, however a copy of that letter could not be reproduced either. Santandar has no record of receiving a letter. 

me which I never received and also to my lender who also claims they never received this letter which claimed I was required to bring my car by and have it inspected for current damages. The number of time I have called to make payments or to get a quote on adding someone to my policy I was never informed that this crucial part of my " full coverage '' insurance was missing from my policy. Today my car sits in a junk yard because XXXX has also refused to at least for the inconvenience of the mess I am in to send out and adjuster to at least appraise the car for said damages so that I can file my my claim for gap insurance through my lender which is. So as it stands I now am responsible for XXXX with an open car loan and no means of transportation to get to the 3 jobs I work in order to pay my bills. I also can not get financed for another car.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report. I do not recognize XXXX XXXX account or XXXX XXXX. I am asking to remove this information from my credit report.
Product: Credit card or prepaid card

My CHASE FREEDOM card includes my daughter 's name for her to be the user & to make payments. All invoices listed each month were made in XXXX XXXX, FL. Then, all of a sudden, one month showed 8 charges ( adding up to {$580.00} ) were made in XXXX, FL. She NEVER GOES TO XXXX. We filed a DISPUTE to FRAUD DEPT of CHASE for the unauthorized use. ONLY SHE HAS A CARD ( plus me & her Dad ) They promised to investigate, which they did. Adjustments were made on next invoice. She paid balance. To our AMAZEMENT, they then reissued the {$580.00} charges, saying " the transactions were valid & WILL REMAIN on your account balance ''. .FACTS : SHE WAS NEVER IN XXXX XXXX ALL HER CHARGES HAVE TO HAVE BEEN MADE IN XXXX XXXX! ALL of her statements prove that!
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. 
Therefore, I kindly petition that you update my credit report to reflect these corrections XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my Notarized FTC Report, PA license, 15 USC 1681c-2 by certified mail to XXXX, Equifax, and XXXX. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Student loan

On XX/XX/2022, I initiated a phone call to AES/PHEAA to inquire about payments being returned.

This was related to 2 separate emails I received about a payment being returned. My question about the emails was related to why there were 2 separate amounts that claimed it was returned, when I only paid using 1 amount.

The Agent " XXXX '' became hostile and aggressive and sounded like he hated his job and did not want to be there. His immediate tone was obvious based on this previous statement. He then berated me over the phone claiming that he doesn't " need me to tell him what his tone is '' and some other statements he made alluding to me offending him in some way. He then transferred me over to only who I can assume to be a supervisor " XXXX ''. I let XXXX know that I did not appreciate XXXX 's lack of courtesy, lack of professionalism, and his demeanor based on his tone. Simply asking questions of someone GETTING PAID TO ANSWER QUESTIONS does not call for any one of your employees to be rude or disrespectful to the caller. XXXX advised me that XXXX was going to " leave for the day '' because of the conversation. I let XXXX know that if XXXX leaves for the day because of how the phone call went, that he only has himself to blame because he made me feel horrible from the onset of the conversation. Does AES/PHEAA make a habit of allowing people with bad attitudes run the organization? Nearly every single time I call in, I get someone with a negative or bad attitude. This is exactly why I submitted a complaint about your employee morale from comments I found on Indeed.com. I have XXXX trust in AES/PHEAA, and to be perfectly honest, many people have lost it as well. If you can not even get people who get paid to handle calls to be held accountable for their mistakes and failures as employees, well, it is obvious why there are so many issues with your XXXX. I'm on the fence with whether or not I need to contact Law Enforcement. In the past and today, this is now multiple agents who I have no idea what their motives are. Because they became agitated with me, I do not feel at all comfortable with them having access to my personal information. For all I know they may try and secretly take my information and perhaps give it to bad people. This is a hypothetical. The payment that was returned will be covered on XX/XX/2022. I will call in to make the payment via phone on XX/XX/2022, so it WILL NOT BE over 30 days past due after XX/XX/2022. You can not report that it is past 30 days just because it takes your agency 2 days to process a payment. I don't care if you don't believe me either, I've had conversations with reputable attorneys who said that when Creditors misreport, they tread on thin ice, because Judges do not like companies who manipulate. Misreporting to the Credit Bureaus is immoral and against the law. 

How many states Sued AES/PHEAA now? It is more than 1, that's for sure. Why would all of these other states feel the need to XXXX if there wasn't something wrong occurring? 

Your agency is as bad and corrupt as the Biden Administration.
Product: Checking or savings account

I have a Health Savings Account ( HSA ) through Optum Bank. I have a debit card, which is set up to pay recurring bills such as subscriptions ; I also use the debit card to pay periodic doctor appointments and services. In late XXXX XXXX, the card started being denied. At that time I had almost {$4000.00} in my HSA account, so available funds is not the problem. 

I contacted Optum Bank in early XXXX ( did not record date ) and was told my card had erroneously been cancelled due to a " system conversion '' and the customer service representative would order me a new card. I have contacted Optum Bank a total of FIVE times since XXXX ( including original call ) requesting a new debit card, and I have never received one. The last contact was the week before XXXX XXXX. At that time, the customer service rep. told me she could see that a card had been requested four times but never completed because they " needed to add me to the card system to generate the card '' and the supervisor would do so as soon as we got off the phone. Unfortunately, it is now XX/XX/XXXX and I still do not have a debit card to access my funds. 

At the time of my fifth call, I also requested to submit a formal complaint. The representative took my complaint information, but I have not received confirmation of the submitted complaint or heard back on the resolution of the complaint itself. 

Thankfully, I am able to pay my medical bills out of pocket and request reimbursement through the Optum Bank app. However, this is an inconvenience. And unfortunately, not all consumers are able to do this. It concerns me that Optum bank canceled my card due to no fault of my own ( " system conversion '' as I have repeatedly been told ), and it has been more than three months since I first notified of them the problem. Five repeated calls have not resolved the issue.
Product: Credit card or prepaid card

My XXXX statement for my credit card ending XXXX showed a previous balance of {$920.00} and a payment of {$850.00} leaving a balance of {$74.00} that I was charged interest of {$21.00} or 29.51 %. Clearly usury. The basis listed for interest charges on the statement was {$1100.00} compared to a new balance due with current purchases and the interest charge totaling {$1100.00}. 

I called BofA on XX/XX/XXXX asking how interest is charged on an amount greater than all the new charges and balance due. I was told some obscure formula calculated a daily balance to determine charges. The representative could not explain in detail how it applied to my situation nor why new purchases are subject to carrying even if they occur at the end of the billing cycle. It appears to be a smoke screen for usury.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card or prepaid card

Had credit card for Wayfair through Comenity. I received notice in XXXX that account was being closed because Wayfair was moving to new servicer XXXX XXXX XXXX in XXXX. I paid off my account in full prior to the account being closed on XX/XX/2020. I still have not received XXXX account statement reflecting payments and it is not available online. They are also reporting I still owe the balance on all 3 credit bureau reports. When I call the customer service Number on my card and previous statements it makes you put in your account number, which I do and then an automated message plays that my account is closed and it disconnects. I have tried to also contact through chat and email and have got nowhere. The return a robo-message response saying I wont receive a statement as no information has changed which doesnt make sense as the balance has been paid since the last statement. And since they closed it wouldnt that be new information? I am including a copy of the last statement noted on my account, a picture of the payment screen and a copy of the notice to close account.
Product: Credit card or prepaid card

Capital one told me they believed I was in the right but they shut down my card account for no reason they would not reopen my account they damaged my credit score I'm trying to re establish credit credit they took my last payment and turned off my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has been reporting a closed, charged off account which has negatively affected credit report.

15 U.S Code 6802 15 U.S Code 6805 Charged off accounts are considered income and must be removed
Product: Debt collection

Midland Funding is reporting a debt of {$4400.00} for XX/XX/XXXX. at one time it reported 2 debts for {$720.00} during this period I disputed, and they changed it to XXXX. A debt of $ XXXX for a period taken in XXXX reported and removed. 
XXXX was reported in my name 2 times taken out in XX/XX/XXXX. and updated. However now this amount of $ XXXX plus is reflecting again. There has NEVER been an account opened from XX/XX/XXXX, with a credit limit for an amount of {$4400.00}. Please ask the Midland funding Company to show the signed contract, along with an offer for a credit line of XXXX plus the credit card number. There is clearly a shell game going on here with the Midland Funding Company. Thank you for your time. XXXX SPEED
Product: Credit reporting or other personal consumer reports

I am reaching out regarding an inquiry on my credit report that I did not authorize and that has no permissible purpose. This is a violation of my rights, and I am requesting that this unauthorized inquiry be promptly removed from my credit report.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


CLOSED : Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX