23daVinci/CFPB_Complaints huggingface dataset:
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.

Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. he general prohibition covers the specific conduct described in 1006.14 ( b ) through ( h ), as well as any conduct by the debt collector that is not specifically prohibited by 1006.14 ( b ) through ( h ) but the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Such conduct can occur regardless of the communication media the debt collector uses, including in-person interactions, telephone calls, audio recordings, paper documents, mail, email, text messages, social media, or other electronic media, even if not specifically addressed by 1006.14 ( b ) through ( h ) ]. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number:XXXX  Date Opened:XXXX Amount : {$4100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

i have been paying citi bank for XXXX or XXXX platinum select card for over XXXX year. when i tried to use some of the benefits today all they did was argue with me a refuse to help. I had called them regarding the citi prefered concerts which is the only reason i pay there crazy yearly fee 's and i was getting an oops error message when i tried to check out. there rep refused to assist me wasted over XXXX minutes of my time and then transfered me to dead air.
Product: Mortgage

I need to file a complaint about my mortgage company for failure to provide the XXXXright information. 

On XX/XX/XXXX my house was flooded by Hurricane Helene, 4 feet 's of salty water cover the whole house. I had to throw away most the home contest. Still waiting for the funds from the insurance. I called PHH mortgage asking for help. I suggest putting the payments on hold o make some payments arrangements. On XX/XX/XXXX I was told that they were agreed to helped me during my massive lost. 
I stopped making payments because I trust that the agent was fully trained and had knowledge about this situations. Apparently I was wrong. This bank DOESN'T have any plans for families that suffer damage for Natural Declare Disasters. I was misled by they employees for over 5 months. On XX/XX/XXXX I received a call from the bank about missing documents for my Loan Modification. I never asked to modify my loan. At that point I didn't have any options so I agree to do the Loan Modification and I submitted the documents. 

On XX/XX/XXXX the modification was DENIED and they put the house in FORECLOSURE because PHH Mortgage send an INSPECTOR to take a look at the home. The INSPECTOR noticed that the house was empty and STARTED that the home was ABANDONED. The was empty and damaged by a category 4 Hurricane, but the electric was on the Internet was on and the security cameras were on all the time and the Inspector did not notice that??? 

I was able to speak with an agent from the bank and she was able to reopen a new Loan Modification ... Two weeks later on XX/XX/XXXX. The Modification was DENIED again because the home payment were late more than 30 days. The account was late since XX/XX/XXXX I had spoken with more than 20 agents from XX/XX/XXXX to XX/XX/XXXX NOBODY never mentioned that the account needs to be current to get approved for a modification. 

If the first person that took my call on XX/XX/XXXX explain all this nonsense to me, I would say NO and keep making my payments on time like I was doing. I lost my time. They are ruining my credit and I'm having health problems related to losing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove these fraudulent/unauthorized inquiries from XXXX XXXX  XXXX  XX/XX/2021 and XX/XX/2021 or provide proof in writing within 30days.
Product: Credit reporting or other personal consumer reports

Hi these are unauthorized inquiries I want deleted asap. Heres a list of the inquiries that were not done by me. And the date they were initiated. PLEASE DELETE THESE ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

XXXXm reaching out for assistance with an issue Im experiencing with Mohela. I was properly enrolled in autopay before their platform migration, and I remain enrolled now. However, autopay failed to process my payments of {$410.00} for XX/XX/year> and XX/XX/year>, even though I was enrolled throughout. I never elected for any pauses or forbearance, so the payments should have been processed automatically each month. The issue corrected itself by XX/XX/year>, but the missed payments for XXXX and XXXX have not been accounted for, and Mohela has not resolved the problem.
Product: Credit card or prepaid card

on XX/XX/XXXX at XXXX XXXX, i filled a complaint ( complaint # XXXX ) against XXXX store card - GE because they intentionally failed to send me monthly statements for the past 12 months in order to charge me monthly late fees. 
In response to my complaint, Mrs XXXX XXXX, On behalf of XXXX XXXX intentionally misrepresent facts by stating that " on XX/XX/XXXX, you enrolled at the time of application in our eBill program to receive electronic billing statements. '' This claim is completely false because I have never enrolled in the eBill system and Mrs XXXX did not provide any material proof or fact to corroborate that I did enroll in an eBill system on XX/XX/XXXX. 

Further Mrs XXXX also stated " On XX/XX/XXXX, You changed your statement delivery option to receive paper statements. '' This claim is also completely false and absurd since I requested my account to be close on XX/XX/XXXX and sent a complaint to CFPB on XX/XX/XXXX advising them I requested my account to be close effective XX/XX/XXXX. 
How can I make change to an account that that has been already close? 
The records about my login activity will clearly show no activity on XX/XX/XXXX and our conversation was recorded on XX/XX/XXXX. 

There is a clear pattern of willful and intentionally misrepresentations about the method of statements delivery by Mrs XXXX on the behalf on XXXX XXXX and this clearly amount to Fraud by XXXX XXXX. 

Therefore, I am requesting the refund of {$350.00} for all the fraudulent lates fees that synchrony bank charged me during XXXX and a formal investigation by CFPB of XXXXXXXX XXXX activities regarding fees charged to consumers.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issues I've encountered with the inaccurate reporting of inquiries by the three major credit bureausEquifax, XXXX, and XXXX. These inaccuracies not only misrepresent my personal data but also have the potential to negatively impact my credit standing and financial reputation. 
Unauthorized inquiries : XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax 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
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE FRAUDULENT AND NEED TO BE REMOVED FROM CREDIT REPORT. PLEASE REMOVE ACCOUNTS. I HAVE SPOKE TO THE CREDITORS AND THEY HAVE NOT DONE ABSOLUTELY NOTHING. ITS BEEN OVER 6 MONTHS PLUS AND NO RESPONSE. MY INFORMATION IS REPORTING INCORRECTLY ON EACH BUREAU.
Product: Mortgage

Form 1098 for 2020 we have received wrongly reflected the " outstanding mortgage principal '' as of XX/XX/2020. Instead it reflected the balance which was in the beginning of the year not at the end as it was supposed to do. When I visited the local branch lady called somebody and told me that it is the way Citizens Bank reflects the balance which is wrong. When I asked her for her name she refused to give it to me but wanted to give a lecture which I refused to listen to. This is the second time we filed complaint about the way Citizens Bank reflected the outstanding balance of the mortgage principal. Until today the bank has not fixed the balance we complained about before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : US SM BUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance of the Fair Credit Reporting Act, XXXX XXXX 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.
Product: Credit reporting 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. 

has violated my rights. Or a list of inquiries : 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 XXXX years. 

XXXX5 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, credit repair services, or other personal consumer reports

XX/XX/2018 an Inquiry was on my credit report, I called consumer portfolio services and they told me to call XXXX XXXX. I called XXXX XXXX and spoke with XXXX the finance manager and he told me that my son told them it was ok to run my credit and they did it, I told them they was not allowed to run my credit with out me being available, and he told me that as long as he told them it was ok, that can run it, this is unfair
Product: Money transfer, virtual currency, or money service

XXXX XXXX, I transfer {$30.00}, 000 to XXXX and XXXX XXXX XXXX, I wire {$10000.00} to XXXX again. This is scam. I realized it until they asked me to join the VIP. But they didn't tell me the truth under I join. Then, they freeze my account and force me to transfer more money in. 

The guy walked me through to transfer and wire. Chase is my bank. I called my chase bank today and they said they can try to recall the wire but they can't promise me anything. Also, the transfer $ XXXX, they don't do anything. Please help me to get my money back. Please. 

Scam : XXXX XXXX XXXX XXXXXXXX
Product: Student loan

My loan servicer is Mohela. They initially sent a letter in XXXX that stated I would be placed in administrative forbearance due to their issues with income driven repayment plans. This outlined that there would be no interest accrual. Yesterday, I received a letter directly conflicting that telling me that interest has accrued in forbearance that I am responsible for in the amount of {$1600.00}. They are trying to scam me out of thousands of dollars and directly contradict the previous letter. This is after they " lost '' my servicer information and I could not log in for multiple weeks because they just simply could not find my social security number in their system. I spent 10+ hours on hold and briefly speaking with " customer service '' who basically just told me they have no idea how to handle this and that everyone is frustrated and calling. Their business practices need to be investigated and they should not be allowed to be a federal loan servicer because they are not qualified and not educated enough on the process. I work full time and am studying for additional exams. My free time is valuable and should not be spent on hold with my loan servicer over an issue THEY caused by disseminating conflicting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request Experian and XXXX credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
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 XXXX XXXX
Product: Bank account or service

XX/XX/XXXXTo Whom It May Concern, This letter is written with intentions to appeal the closing of my account with your banking institution. I have been accused of fraudulent activity and would like to plead my case. XX/XX/XXXX, I was referred to a mystery shopping job by a friend who was actively doing it. She told me that the company would send a list of different stores they would want me to check out and send a check for me to cash to have funds to shop to assist in being " mysterious ''. My friend had been working as a mystery shopper as a side job alongside her daily full-time job. She was even cashing her checks at the local XXXX in which she never got into any trouble for doing so neither was red flagged about it. So I truly believed that the mystery shopper job was legit, especially if XXXX cashed their checks. 
As a result, I filled out the required information to get me started and within five business days my starter package had arrived. To begin working immediately, I decided to cash the check at Bank of America, whom I had an active account with. Upon entering the bank, I asked the teller was it too late to make a same-day deposit, and she informed that it was too late to make a counter deposit but that my deposit would show immediately if it was made by XXXX at the ATM. So upon gaining knowledge of that, I proceeded outside to make the deposit at the ATM. The deposit was made and I thought everything was fine. 
The next day, my fianc called me on his lunch break and asked me to call the bank because it was a major problem with our account. Completely confused, I contacted the bank and was informed that the check I deposited into my personal account was a fraudulent check. An explanation was not welcomed ; therefore, I do appreciate you allowing me to appeal this issue. 
Honestly, do you think someone would deposit a fake check into their own personal account where all of their means of income goes direct deposit? That is insane!!! I would not -- -and, I did not! If I was trying to get over on my bank, I would have tried to cash it instead of depositing it and waiting for it to clear. I do hope you can sense my sincerity. 
This truly was an honest mistake that has extremely burdened my financial situation. This punishment is intense and severe. I did n't take anything from Bank of America and will not try to take anything from any other banking institution. A wrongful deposit was made, but it was also an innocent act. I was caught in a scam and am being held accountable for my ignorance of such. I am asking for complete leniency in my case. I am recent college graduate with XXXX, XXXX sons and will definitely need a bank account to have access to my funds and to make needed transactions as any other mother. Seven years is just too long time to be penalized for an honest mistake. Please reconsider. 

Thank you for your valued time and consideration, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent seperate 2 certified letters of demand to all three credit reporting agency asking to provide me with validation that the charge off accounts that they are reporting does belong to me. Upon receiving my first certified letters requesting validation, all three agency responded back saying that they have validated the debt as belonging to me, but they never provided me with proof of their validation. I then sent out a second set of certified letters, again to all three reporting agencies asking for proof of validation. Again, i was only told that the debt was validated as belonging to me. Again, no proof was provided. I asked for signed contracts, but they are unable to provide me with any proof. The charge off account still remains on 3 reports. 

The accounts that I need validation for are as follow : XX/XX/XXXX XX/XX/XXXX Provided are the delivery confirmation for the certified letters that was sent to the reporting agencies : Experian : XX/XX/XXXX ( sent XX/XX/18 ) XX/XX/XXXX: XX/XX/XXXX ( sent XX/XX/18 ) XX/XX/XXXX ( sent XX/XX/18 ) XX/XX/XXXX: XX/XX/XXXX ( sent 6/22/18 ) XX/XX/XXXX ( senXX/XX/18 ) I would like these account DELETED from my report or the debt validated as mine and proof sent to me
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXXXXXX - Incorrect Address XXXX - Incorrect DOB These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

On XXXX/XXXX/XXXX I opened a Money Market Account with promotion code : XXXX. 

This promotion is for a {$200.00} bonus for opening my first Money Market account with Capital One and depositing at least {$10000.00} or more by XXXX/XXXX/XXXX. 

I have met all the terms outlined in the promotion, but have not yet received the bonus. I contacted Capital One and they have informed me that I will not be receiving the bonus, with no explanation. 

Account Opening Date : XXXX/XXXX/XXXX {$5000.00} Deposit Check : XXXX/XXXX/XXXX {$5000.00} Deposit Check : XXXX/XXXX/XXXX This is my first Money Market account with Capital One. The terms of this promotion are outlined clearly and I have met all the requirements.
Product: Prepaid card

I have contacted customer service several times to resolve a problem transferring money from my bank checking account to the Bluebird card for months. The last time I was successfully able to add funds to my card using my bank card was in XX/XX/XXXX. I have called several times regarding this, most recently on XX/XX/XXXX @ XXXX. The extremely frustrating call lasted 18 mins & 31 secs. The CSR continually insisted the problem is with my bank, not them but my bank says it is not. Googling ISSUES WITH AMEX BLUEBIRD CARD returns a number of other people having the same issue and I'm pretty sure we don't all bank at the same place! What I suspect is that AMEX is purposely causing this problem to force customers to get their new fee-based card SERVE card as the BLUEBIRD card does not charge any fees. I have had this card for many years and never had this kind of issue with it. I did all of the things the CSR suggested including deleting the info for my bank debit card, which is what I use to transfer money to the BLUEBIRD, and re-entering but now XXXX won't let me add the card back on to the account. That doesn't sound like a 'problem with my bank '.