23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As Class Members of the XXXX XXXX XXXX XXXX XXXX XXXX, my wife XXXX XXXX XXXX and I do not owe any of the debts on our credit report save our first mortgage lien, XXXX auto loan and Federal student loans. Furthermore, I have an attached LAPD ID Theft Report ( # XXXX ) which further absolves me of any debts assumed to be accrued by with me with the exception of the ones listed above.
Product: Debt collection

After I file a complaint regarding Carrington Mortgage 's deceptive act to CFPB. Carrington Mortgage summoned a Court Order to me on XX/XX/XXXX, to foreclose on my Home. The actual Court Order is dated 2 months before the enforcement actions ordered on XXXX  on XX/XX/XXXX. Subsequently, my wife is leaving the property in fear of being homeless. Is that a legal Enforcement Action?
Product: Debt collection

This is a medical bill from over 6 years ago that has been disputed and removed from my credit each time that happens they sell this to a new collection agency. This needs to be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX- I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXXXXXX XXXX XXXXXXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX I didn't give this company authorization to access my credit report for this reason.

US DEPT OF EDUCATION- Still reporting after Paid Off XXXX  XXXX XXXX XXXX XXXX - Closed and still reporting
Product: Credit card or prepaid card

Ive paid my credit card bills. Half the time I cant even login to my own credit card account. Now, my cards usually wont work anywhere. Its illegal and stupid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made arrangements for credit card payments last year with  XXXX  and representatives advised that my credit would not be reported as " negative '' as long as I kept the arrangements. A  manager pretended to have listed to the phone calls were I was misleaded and now my credit report shows 120+ late p ayments which could have been avoided if  XXXX  had provided correct information to me and reported the payments as agreed.  XXXX  reported late payments to credit bureaus when I was making payments under their payment plans.  XXXX  denied removing false data.
Product: Checking or savings account

XX/XX/XXXX direct deposit was sent through. 
XX/XX/XXXX purchases were declined. I transferred my account balance to an external account so I would have purchasing power. Once I transferred my balance to my external account my primary bank immediately sent funds back to depositor creating a negative balance. I attempted to resolve the error, my primary bank said they would close the account with no negative balance however current to date they have not done so. 
XXXX XXXX  XXXX Cash App is the entity I am disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXXXXXX {$140.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX  XXXX {$490.00} XXXX XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXXXXXX {$520.00} XXXX   XXXX {$190.00XXXX XXXX XXXXG XXXX {$190.00} XXXX XXXX {$410.00} DEPT OF ED XXXX XXXX {$82000.00}
Product: Checking or savings account

I left my job a few years ago and I contacted my old employer and I asked for the information to obtain the 401k and how to close the account and transfer the funds to my account and I think they actually changed 401k provider and I wasn't told I can't find my 401k on any site or in the gov abandoned 401k I'm getting worried I'm not going to be able to find or obtain my money
Product: Mortgage

There was a transformation at Citizens during which they attempted to merge checking and mortgage accounts. Unfortunately the integration didnt work for me, see below response I received from the company : XXXX XXXX it appears the merge between your Mortgage and your already existing deposit accounts did not complete correctly, and you would need to contact the Mortgage Department in order to put in a request to have these accounts merged. With the merge between Citizens Online Banking and Mortgage, it was meant to allow you to access your deposit accounts and Mortgage from the same login. In this case, it would not show you Mortgage upon logging in due to an error. I would suggest that in order to access your Mortgage that you contact the Mortgage Team at XXXX. 

I have called already three times the number above and was not able to get a support needed to access my mortgage account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters out on in XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. The account I am inquiring about I asked them to validate not verify this account. The company keeps sending me letters saying the account is verified, but did not validate as in showing any signature 's to show me this account is mine. Also calling the company asking them to validate not verify they never have me validation of this particular account. I asked numerous amount of times can you please validate out delete within the 30 day period, and the company keeps saying my account is verified. I asked for the name of the person verifying this account and information used to verify this account and they denied giving me the information, and I have rights as a consumer to know this information. They sent me a letter saying I can not dispute the account in question anymore. As a consumer I have the right to dispute, and ask about an account on my credit report.
Product: Credit card or prepaid card

I purchased XXXX tickets through group on XX/XX/XXXX for a XXXX XXXX XXXX game on XX/XX/2020 the event was canceled due to cobid 19 i contacted group on mo luck so contacted my credit card company explained why the event was canceled they sent me a letter stating i purchased the item i told the cs agent when i filed the whole story due to covid 19
Product: Debt collection

A woman name XXXX called from ( XXXX ) XXXX and left a voicemail stating she is going to put a hold on my bank account, tax return and my properties. She didn't explain anything other than what was said before and that I should call her at ( XXXX ) XXXX. When I called the number she stated I owed over {$16000.00} for a XXXX XXXX which was repossessed that I owe a balance on. The vehicle was never repossessed and I never received anything in writing or mail from United Acceptance ( car loan company that XXXX XXXX in XXXX, mo sold loan too ) stating they were filing a suit or anything. I don't like being threatened or left threatening incomplete messages and would like for the calls to stop. They have my address so they should mail paperwork to my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act and my rights have been violated by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt : 20 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. States that a consumer reporting agency can not furnish an account without my written permission
Product: Credit reporting

I have been a victim of identity theft. My social security number was originally mixed up with another woman 's because they differ by XXXX number and we have similar names. I have spent XXXX on investigations and removals of other items off my credit report that have been removed. However, its not enough. I cant ever get a decent deal on a car, get a credit card or apply for a home loan because of this. This is my last resort, i have done everything I can to solve it with the credit reporting bureaus and its still the same. I would someone to investigate the mix up. Because my identify was stolen by this person after one of the credit bureaus had first reported some of her credit items on my credit report. That was how she got a hold of my personal information in the first place. After that she took advantage and kept using my name to have creditors grant her credit under my name. I was able to delete most of those items from my credit report. However, the items I can not remove are the ones that are incorrectly reported on my credit report but are under her name and social security number. That is the reason why I can not get them removed. I need to know if there is something I can do. Thank you in advance.
Product: Debt collection

Back in 2008 we had to get a loan to pay for our vehicle to get fixed, an so went foolishly with one of those high interest XXXX loans. I defaulted on that loan. Now, CACH LLC has placed a levy against me for that old debt, and if it goes through me and my family will have nothing to live on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my dispute letters of XX/XX/2023. I told the credit bureaus to investigate every piece of on the accounts I have listed below also I have attached the original dispute letters I sent out as well as the tracking numbers. In accordance with the fair credit reporting act. They stated my accounts were verified how is this possible, if they did not do a proper investigation according to the law on my account, and which I have circled many inconsistencies and inaccuracies on my report from different account numbers, listed dates, balances term, months, and less reported dates that you can see. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is grounds under the law for immediate removal! I have attached pictures of my updated monthly report according to the law everything has to be 100 % accurate, it is not. Also, they have my sisters name on my report. How could they have possibly done a thorough investigation? 

Account name- XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name - XXXX XXXX XXXX XXXX Account number XXXX XXXX Account name - XXXX XXXX XXXX Account number XXXX Tracking numbers- # 1 ) XXXX XXXX XXXX XXXX XXXX XXXX # 2 ) XXXX XXXX XXXX XXXX XXXX XXXX # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681 section ( 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 for more than seven years.

15 U.S.C Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S.C 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating 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

On XXXX I mailed a payment to XXXX XXXX for {$8900.00} The bill was stolen from the post office. The check was changed to an individuals name and fraudulently cashed on XX/XX/12. My bank is Chase. The check was cashed at a XXXX XXXX XXXX. 
Chase will not put the money back in my account until they investigate, which could take 90-120 days. 
I personally spoke to head of fraud division at XXXX XXXXXXXX and was told the funds were never dispersed but are frozen. 
So, my money is there. Chase wont even guarantee me that I will get my money back. I have a copy of the check with the account # that was used to cash the check. 
Chase let these funds go on an altered check but are making me wait 120 days to possibly get my money back. 
Chase CASE # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), and XXXX XXXX ( Account Number : 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. 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 am part of the XXXX XXXX XXXXXXXX XXXX agreement due to fraudulent practices by my college, XXXX XXXX on XX/XX/XXXX when I enrolled in college, and pressuring me to sign for an unnecessary private loan with Navient. https : //navient.com/about/ The navient loan is crippling me in debt as even though I have been paying for years, the original balance of {$19000.00} is at XXXX as of XX/XX/XXXX and keeps going up. I was falsely promised by XXXX admission counselors that I would be making XXXX XXXX XXXX XXXXXXXX after graduation and was forced to sign for the Federal and then this private loan as well. 

Emails are attached. I am still paying my 20+ yr private loans where I struggled for years to make payments and continue to do so. And this financial struggle continues as I make the private loans the balance keeps going up, while I have a family to support, crippled with bills. The University deceptively and without my consent pushed me to sign for this private loan with Navient and since XXXXXXXX XXXX XXXX  approved it for the federal loans, I am requesting the same with the private loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. 

XXXX Account number : 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. 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 ) 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 crime 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: Credit reporting or other personal consumer reports

The creditor still has not deleted the collection as agreed with all three credit bureaus. Please delete collections on XXXX and XXXX as agreed. Thank you! Payment was made for deletion and deletions still have not reflected. Please delete immediately!
Product: Student loan

When I was coached to taking this loan from the school I had no idea what I was getting myself into. I have been unemployed for nealy two years and cant make the payments as it destroys my credit and gives me no shot at getting a XXXX job since they now check credit for employment..
Product: Checking or savings account

My account was frozen with no notice or warning. The branch had no explanation and guidance on what to do. I called customer service and they said to go into the branch, I was told corporate would contact me which NO ONE HAS. My money is in there and I am UNABLE to pay my bills to this moment. I was told it would be closed again with no notice from them. Ive only conducted a few small XXXX transactions to family or friends. It is a new account and again no notice of such thing. I am unable to withdraw my money and pay my dues.
Product: Credit card

Company closed account after payment was made claiming that terms we're violated, but are not, providing specific reason. They will be unable to provide any because I did not violate any terms and have made perfect payment history on the " secured '' credit line for over a year now.. I have asked them to correct this error and reopen the account and they are refusing to do so and refusing to provide adequate specific reasoning for the closure.
Product: Debt collection

Reached out to Aldous and Associates, refused to negotiate the payoff on the debt stated that XXXX XXXX  does not allow them to negotiate the debt. I had a XXXX XXXX account in which i had never used. XXXX collected over XXXX months of payments in which i never used thier services. I tried canceling the membership as i moved out of New Jersey, XXXX to XXXX NC. I moved to XXXX NC in XX/XX/2020 and informed XXXX in XXXX in which they refused to cancel the membership. There are NO XXXX XXXX in XXXX NC, when i tried cancelling the representative stated that i had to physically go back into the XXXX in XXXX NJ to cancel a membership that i would never use again. This is automatically placed me in a collection status because XXXX continued to collect on my membership although i had no physical way of utilizing their facilities or cancelling the membership. I would like this debt removed from my credit report as well as explore a class action lawsuit against XXXX XXXX for false advertisement. They stated that i can cancel at anytime with no contract, but they failed to inform me that i can not cancel easily. This need to me resolved quickly as this is preventing me from performing my job as a mortgage originator.
Product: Checking or savings account

I contacted Bank of America regarding filing a complaint against a company called   XXXX   XXXX  , Bank of America initially refunded the money but then later took it back in    XXXX    2017   . I contacted the bank telling him that the company does indeed want to refund as the merchandised had been received.
Product: Checking or savings account

My account was hacked on XXXX XXXX XXXX. My bank details were changed, and money was transferred out of {$4000.00}, as well as a temporary card requested in order to make 7 purchases for {$6000.00}. All unauthorized. I contacted Chime asap to request all my details be put back to mine so I can go back into my hacked account that had been wiped out. I changed my password, and put a stop to the temporary card that was used for fraud and in which the transactios were still pending. My debit and credit card were canceled, and new ones were sent out. I was only refunded part of my dispute and am seeking the rest of my unauthorized charges back which is {$6000.00}. 
I sent all proof Chime needed in order for me to be protected and obtain all my funds back as promised in Chimes website under disputing fraudulent activity, with no resolution still. 
I filed a report with the consumer financial protection bureau, Federal Bureau of Investigation, police station, Florida dept. Of law enforcement, XXXX, and FTC. I notified the credit Bureaus as well and identity theft. XXXX. 
I appreciate your help.
Product: Checking or savings account

Regarding a wire transfer sent on XXXX XXXX by Bank of Oklahoma also known as BOKF to my companies banking institution, XXXX XXXX XXXX XXXX, after a successful real estate transaction was completed. Federal reference # XXXX. 

On XXXX XXXX and XXXX XXXX after I submitted the complaint. I received a letter from Bank of Oklahoma. Stating that they received my complaint and to reach out to them for questions. I have contacted the person on the letter through both email and call. I have received no response. 

The funds have been sent back to the sending bank, Bank of Oklahoma from XXXX XXXX on XXXX XXXX. No justification, proof or explanation as to why the funds were returned back. 

The funds legally belong to my company, XXXX XXXX XXXX. Attached is the all of the documentation that this transaction was completely legal, ethical and authorized by both parties before the funds had been sent on XXXX XXXX.
Product: Credit card

my identification was hacked and someone opened up a chime debit card in my name chime card XXXX
Product: Checking or savings account

Capital One Bank, has not paid me my salary as yet its been XXXX days with no updates. they just stated they have an error in their system but not giving us any updates.