23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had Discover IT card since 2014.I found some charges which i did n't recognized. I called Discover customer service almost a week back. They transferred me to Fraud detection team who immediately closed my account and send me a new card. Within few minutes i understood what 's going on with my account - reached out to the merchant - who issued me the refund. I called Discover Fraud team another team in less than XXXX hours and asked them not to close my account and no need to send me a new card but they said they will make sure that i will get my new card soon. After XXXX or XXXX days - I got new card which was CHIP based. When i tried to activate that card - but i was asked to call during east coast timing only as DFS fraud team works only in XXXX ... i keep on trying for XXXX days ... and when i got hold of them, i was told destroy the card and i will be getting another card. This time i got the new Discover Card via XXXX - extremely urgent shipment after XXXX days. Called upon after XXXX day to activate it. This card was different from my previous cards as it was ending in XXXX ( my old account was ending in XXXX ). But since XXXX days - they ( DFS ) is not able to find out whether the new card belongs to me or not? Finally today morning - they told me that they will be sending me another discover card by emergency shipment. Almost XXXX hours in total i have spent on this matter during last 10 days. I need to work with their human operators only as the website is not working at all to activate my card. During last XXXX years - I have got my Discover card part of fraud almost XXXX times ... i do n't think Discover is doing enough to secure and safeguard Customer 's account very well. Moreover their overall handling of this issue ( re-issuing new card ) is very very shaky.
Product: Debt collection

I got a payday loan from Rapid Cash in XXXX XXXX in XXXX. I unfortunately never paid anything towards it. Every year the debt is reported as new or just opened on my credit report as it now shows it was opened in XXXX of XXXX, which is utterly false. I havent been in a Rapid Cash store in years. The collection agency, XXXX, keeps on renewing this debt so it wont fall off of my credit. They are unwilling to correct this problem and are difficult to work with. Isnt reporting false information to credit bureaus illegal? A XXXX  representative suggested I file a complaint. Please stop XXXX from their corrupt practices and from harming my financial health.
Product: Prepaid card

On XX/XX/XXXX, my net spend all access card was locked and an unauthorized transaction of XXXX including bank fees, was taken off my card the transaction was done in XXXX XXXX California I do not know anyone there I live in North Carolina all my transaction are from north Carolina I do not know how these people got my card information when I have my card or how they were able to go to an atm in XXXX XXXX at a XXXX XXXX without my card, this has caused great hardship on me financial. NetSpend said I had to wait 10 days for an investigation and I could ask for provisional credit when I looked on the XXXX XXXX site there were so many complaints like mine over XXXX this really worries me, it seems these people did not get their money back. they gave excuses, they told me to write them for provisional credit I have heard nothing on that, I really need my funds back as they were fraudulently taken unauthorized, can you please assist me in this matter Sincerly Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX account # XXXX, XXXX XXXX account XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 602 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

Experian Is posting an accuracy on my credit report and saying that they have verified it without showing me the investigation procedure none of the information they sent me validats this is my debt in anyway this debt is not mine, and I still have not received the legal or original contract stating that this is my card or debt with my signature on it also, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens 281 SW 715,719, I presue that no proof of the alleged debt, nor therefore any such debt, 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit car account under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I filed a claim with XXXX PUA unemployment. After months of trying I was able to finally setup my claim. The state of XXXX at the time I filed did not offer direct deposit. 
All monies were added to a USBank Relia Debit Card. The last 3 out of 5 times I tried to use the card for a cash advance to transfer the money to my checking account. The card has been declined they give no explanation why. They tell you to call the phone number on the back of the card. They never answer the phone you can be on hold for hous then they diconnect the call.There website is always crashing they have no email address. 
You can not get any information as there is never anyone to speake to. There are thousands of complaints on the internet how you can never speak with anyone .US Relia card is horrible .Probally the worst bank in the country why they were awarded the contract makes no sense.
Product: Student loan

Nelnet is in violation and reporting to my credit profile under non compliance of the FCRA and i have not signed any documents with the company Nelnet reporting XXXXXXXX loans to my account. The university i attended was XXXXXXXX XXXX  and they are under a lawsuit and closing of the school because of fraudulent activity of not providing services. Now my privacy rights have been violated There are 14 Accounts that are reporting and each Violation is pursuant to {$1000.00} per violation. 

*Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that affords parents the right to have access to their children 's education records, the right to seek to have the records amended, and the right to have some control over the disclosure of personally identifiable information from the education.

20 USC 1232g ( b ) ( B ) No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Hi I recently refi 'd a loan that was previously with Summit Funding. The loan was paid off in XX/XX/XXXX. I believe the exact date of funding was the XX/XX/XXXX. When I call the ecrow department at Summit, I was told that I should received the check by the XX/XX/XXXX. They said they legally have 21 days to refund. If my calculations are corrent the XX/XX/XXXX is much more that 21 days.. I still have n't received the refund. I have called the Summit Funding escrow department several times. Last week I was told that the check was cut on the XX/XX/XXXX and I should have had it by now, I still do n't have it. Called again today and asked to speak to someone in the escrow department as to why I have not received my refund. I am done calling and now would like to place a formal complaint against the company .. Summit Funding has been terrible since we were approved for our XXXX loan in XX/XX/XXXX. Can someone in your office please help us to get our escrow check in the mail? Thanks
Product: Student loan

To Whom It May Concern, I have have tried reaching out to the XXXX XXXX XXXX for several years but to no avail. My current private student loans are being serviced through AES. The AES reps can not and will not provide lender contact information. I am beyond struggling to keep up with my monthly payments. I have asked on numerous occasions if my monthly payments and interest rates can be lowered but to no avail. I am told that I no longer qualify for repayment assistance. I was also told to write a letter to my lender which is XXXX and that AES would forward it on my behalf. I have yet to get a response and every time I call AES they are unable to provide an update or they say that the request is " on hold ''. In addition, the amount of money that I have paid in interest alone is beyond disrespectful. It is highway robbery and I feel I am undergoing financial XXXX! According to one of my private loans, I have currently paid about XXXX with XXXX being applied to interest and the remaining XXXX only applied to the principle balance. I am to the point where I have to worry about whether or not I pay rent on time, eat a decent meal or pay my loan on time. I need help, and it is only right that the lender work with me as I am trying my best to remain in good standing. Also, I believe that this is a case for predatory lending. At XXXX old when I signed the promissory note ( 1 ) I had no idea what kind of trickery I was signing. Iwas simply a young girl excited about furthering my education because I did not come from a family that could afford to pay for my education ( 2 ) I went to college with the hopes of graduating with a decent paying job, but the economy and has fail me and millions of americans. Times are hard and this is an epidemic that is affecting the majority of adults today. Again, I need to speak to someone at XXXX XXXX XXXX directly. I can no longer trust or wait for AES to handle this matter. I simply would like to lower my monthly payment and interest rates so that I can live a decent quality life.
Product: Bank account or service

I added money to my paypal account from my linked bank account. 
The next day they limited access to all my funds. 
I emailed why and they stated because I withdrew money. 
They allowed the transfer to complete a few days later, still not allowing access. 
They are not responding to any further emails.
Product: Student loan

Good morning, I just recently contacted National Recoveries in regards to my student loan account. It was 2 weeks ago when I found out they were going to be garnishing my wages. I'M VERY UPSET THAT I DIDN'TGET AN OPPORTUNITY TO DISSPUTE THE BALANCES THEYRE SAYING I OWE. I never received any notices from them. I set up all these different LOAN REHILBILITATION payment plans and do not have any idea where my money is going. I HAVE XXXX XXXX GARNISHING ME AND NATIONAL RECOVERIES. I have no idea where my money is going and I have XXXX agencies suing me for the same balance. THIS IS NOT FAIR and NOR IS IT LEGAL. I've called the Dept of Education, XXXX, XXXX XXXX, XXXX  and XXXX  in regards to all the inconsistencies. All I get is the run around. Having these agencies collect on loan debt is ridiculous and so unorganized. I'm upset that I was never given an opportunity to dispute balances owed that I know I don't owe. The Dept of Education should be ashamed of how theyre allowing these collection agencies abuse their name and ruin peoples lives. 
I would appreciate the opportunity to dispute balances I don't owe. I will seek legal assistance against these agencies that's garnishing my wages and misrepresenting themselves Please have someone from the Dept of Education to reach out to me. I need to know where my money is and who Ive been paying for the past 3 months. 

I NEED HELP IN GETTING THIS MATTTER RESOLVED!!!
Product: Credit reporting or other personal consumer reports

I noticed Resurgent receivables reporting on my credit report on XX/XX/year>. After noticing this account is a result of identity theft, I filed a dispute with transunion, equifax and XXXX, including my identity theft report. Ive allowed these companies over 4 business days to investigate this but I have yet to receive a response. I included my identity theft report with this complaint. 15 US code 1681c-2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than 4 business days after the date of receipt. According to the FCRA, if a credit reporting agency fails to remove an identity theft account after I have disputed it, they may be violating the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates how consumer reporting agencies handle your credit information, including investigating disputes and correcting errors. Please resolve this issue.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXXXXXX 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 XXXX
Product: Mortgage

My complaint is against Ocwen Loan Servicing , LLC ( www.ocwen.com ) ; Research Dept. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; Loan # XXXX Ocwen has erroneously billed me for triple the amount of my regular payment. They are threatening to report judgement against me to credit bureau 's if I do not pay it by a specific date. 
I have consistently paid my amount due on time plus an additional amount to apply to the principal. Ocwen never informed me of a change in payment due or change in terms of the loan. Ocwen applied my payment to a " suspense account '' and showed that it was a partial payment. This is wrong. 
Some bills did not show any detail of my payments. Other bills have shown inconsistent payments due each month. No one from Ocwen will explain their inconsistencies. Each call results in speaking with a different representative with a foreign accent who gives first name only and a number. They suggest that I write or call the research department. I have done that many times. No one has made the corrections yet. 
I have read several complaints about Ocwen, Indymac, and XXXX XXXX. Properties have been foreclosed on due to their erroneous billings. 
I am requesting that my account detail be corrected. I would like my payments to be consistent ( retroactively ) with the amount due that was agreed upon. I want my payments applied correctly. I want a written statement to confirm that the corrections have been done. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; or XXXX XXXX.
Product: Mortgage

I received a foreclosure letter from XXXX XXXX XXXX, which is the firm represents ServiceMac for the foreclosure of XXXX XXXX XXXX, XXXX, CA XXXX ( Loan # : XXXX ) on XX/XX/2023 in the mail. I was surprised to receive this letter as I currently submitted the documents for loss mitigation application with ServiceMac for the loan number and property address mentioned above. I never received a letter from ServcieMac that the documents that I submitted were incomplete or ServiceMac informed me the deadline of the document submission for the current loss mitigation application. The only letters that I received from ServiceMac werethe assignment of resolution team on XX/XX/2023 and requesting additional document describing the deposit in my bank statement relevant to the rental income on XX/XX/2023. I submitted the requested document by email to XXXX on XX/XX/2023 after I received the phone call from ServiceMac requested those explanation documents the same day ( see XXXX email file ending XX/XX/2023 ). During the phone call, ServiceMac representative informed me that she would get the clarification of another document required to be submitted, such as specifying the deposits in my bank statement thought be my employment income. Nevertheless, I never received the call back or a letter from ServiceMac regarding this. I finally received a phone call on XX/XX/2023 from ServiceMac agent requesting the explanation regarding the deposit from XXXX XXXX, XXXX XXXX and XXXX XXXX. I submitted the document the same day ( see attached XXXX email ending XX/XX/2023 ). I called ServiceMac agent this morning ( XX/XX/2023 ) to ask whether the property is in foreclosure proceeding. The agent confirmed that it is because the requested document has not been received and my file for loss mitigation is incomplete. I informed her that I sent to XXXX for the requested document on XX/XX/2023 and she informed me that I am not supposed to send document in regular customer service 's email mentioned above and there is a delay in loss mitigation department in receiving the ninformation from ServiceMacs regular customer service email. Inc contrast, when I called on XX/XX/2023 to ask for the address to mail the loss mitigation application for this loan, the loss mitigation agent informed me to email to XXXX since I am not able to submit application on XXXX. The first loss mitigation application for this loan was mailed due to the same reason mentioned above. Therefore, Serviceman should not send my loan for foreclosure for the following reasons. 
1. The delay in loss mitigation department receiving the documents from XXXX is not my fault, but it is Service Mac 's processing time issue ( see attached showing the delay response in email acknowledgement in XXXX email ending XX/XX/2023 for the document submitted on XX/XX/2023 ) 2. XXXX that could not identify my loan is not my problem, but it is ServiceMacs issue to be solved ( see attached ) 3. No letter requesting the additional documents or stating the deadline of the document to be submitted was sent to me prior to foreclosure proceeding
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered that XXXX XXXX XXXXXXXX XXXX, reported to XXXX ( we believe to all three bureaus ) had only reported 27 payments. The payment history is 9 years. XXXX XXXX, incorrectly reported that the Mortgage was included in a now completed Bankruptcy, thus, damaging my Credit History. XXXX XXXX was DIRECTLY ORDERED, by the Bankruptcy Judge to not show that its account was " included '' in the Bankruptcy, thereby allowing me to make parallel payments, establishing a payment history. My Case was filed in the U.S. Bankruptcy Court, XXXX XXXX  of Missouri, XXXX, Missouri, in XXXX. The act is intentional and violated the FCRA and the Court 's direct order. This was done in retaliation for my being successful in my motion. I believe that I am entitled to relief, for each Bureau, minimum of {$1000.00} per violation and because their action is punitive, we ask that CFPB levy a substantial fine against XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I have reported fraud and identity theft since XX/XX/XXXXand currently still having this problem registered with the FTC and all credit reporting agencies and federal agencies. Thought my search to recover my identity and hopefully locate over 1 millions plus in my life savings and settlement monies. I obtained on XX/XX/XXXX numerous copies of cancelled checks from XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX. 
I am requesting wells Fargo aka XXXX XXXX aka XXXX  XXXX to identify the holders of these accounts of bank markings as follows and attached to this report # 1 check for {$56000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents XXXX XXXX XXXX, NC XXXX XXXX <XXXX> # 2 check for {$3300.00} XXXX XXXX XXXX XXXX  and XXXX XXXX dollars and no cents This will further assist my recovering from identity theft. And as per wells Fargo request that I give them pertinent account numvers for them to review and assist me XXXX XXXX XXXX, NC XXXX XXXX