23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I initially sent in my Temporary Expanded XXXX application with supporting documents on XX/XX/XXXX, at which time I had enough qualifying payments for forgiveness. MOHELA did not count all of my payments. They did not count XXXX months of certified employment for XX/XX/XXXX to XX/XX/XXXX. They also did not count XXXX months of certified employment from two part-time jobs that totaled XXXX hours per week from XX/XX/XXXX to XX/XX/XXXX. They also did not count XXXX months of updated employment from my employer XXXX XXXX XXXX ( they showed it as a duplicate form, even though it had an additional year of employment ). All of this added up to XXXX months not counted! I spoke to MOHELA on XX/XX/XXXX and again on XX/XX/XXXX, in which both times the representative acknowledged the errors and told me my payment counts would be reflected within weeks. I filed a complaint with the XXXX XXXX XXXX ombudsmen, but was told that I needed to work it out with my lender. I continued to make payments to MOHELA between XXXX and XXXX. I eventually was notified on XX/XX/XXXX by FSA that I was approved for XXXX  with an effective date of forgiveness on XX/XX/XXXX. However, those XXXX qualifying months were NEVER counted ; if they had been, the effective date of my forgiveness should have been XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Bank of America Account 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. 166B A Creditor May not treat a payment on a credit card under an open end consumer credit plan as late for any reason.
Product: Money transfer, virtual currency, or money service

I am trying to merge my old cash app with my new one so that I can access funds that were sent to my old cash app account I no longer have the phone number attached. I performed all of the steps that was listed under the cash app support options and still got no results. I called the XXXX number listed online for cash app and could not get a live operator on the phone and the automated system was very unhelpful. I also sent an email regarding this matter yesterday and was told that someone would get back to me a soon as possible but it has been 24 hours and no one has responded. My stimulus check was deposited into my cash app and I can not retrieve my funds that I desperately need access to and can not do so until Cash App can merge my account with my new one. Please fix this matter ASAP because it is a major inconvenience to me and my livelihood right now creating too much anxiety for me. You would think that they would have a more professional less stressful way of providing services to their customers.
Product: Mortgage

Citywide Home Loans is giving box seats at he XXXX XXXX to realtors as a gift for referrals. This is a violation of RESPA and not fair to the rest of us who are playing by the rules.
Product: Checking or savings account

I opened a savings account with Marcus by Goldman Sachs, after a few weeks I tried to do withdrawal and I couldn't, after a few tries and after multiple calls to costumer service they closed my account without telling me the reason, it seems like they are entitle to not share that informations, even if its your own account. 
It's been 3 weeks since I called, and still haven't received my {$350.00} dollars that it was in my account, I've been calling every week since, and they keep telling me that they don't know how long os going to take to get my money back. 
They don't just closed my account without reason, but also they are retaining my money and not giving me any information about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the follow accounts have violated my rights. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 : 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 compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Experian : XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$3100.00} - Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XXXX XXXX, XXXX Balance : {$90.00} - Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Charged Off XXXX XXXX Account # : Date open : XX/XX/XXXX Balance : {$680.00} - Collection Bankruptcy Chapter XXXX XXXX Docket Identifier XXXX Date Filed XX/XX/XXXX - Public record XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AL, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$3100.00} - Charged Off XXXX XXXX  ( Original Creditor : XXXX  ) Account # : XXXX Date open : XX/XX/XXXX Balance : {$680.00} - Collection XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$0.00} - Bankruptcy XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number XXXX Date Opened XXXX XXXX, XXXX Balance : {$90.00} - Collection Bankruptcy Chapter XXXX XXXX Docket Identifier XXXX Date Filed XX/XX/XXXX - Public record XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$90.00} - XXXX  XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting

The issue reported is a wrong name spelling. My maiden name is XXXX not XXXX. My last names have been XXXX ( maiden ), XXXX, XXXX, and XXXX. I am requesting this to be fixed so I can get into a home!!
Product: Credit card or prepaid card

I got scammed by phone with my discover credit card, they took my card information and took XXXX from my account, its been 3 years I filed police complaint, and told the discover card company about it but they keep telling me you have to pay for it, so im in bad situation since then looking for lawyer to fight for that, and credit repair company to help me out of this problem, so please help me out asap. I have also police report with me, so please help me out asap thanks, ..
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft U S DEPT OF EDXXXX Account Number : XXXX This is not mine. 

4. Identity Theft U S DEPT OF EDXXXX Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

I attempted to use this card at XXXX on XXXX/XXXX/XXXX. The card was declined at the register, but when I checked the balance, it said that the funds were taken by XXXX. I contacted XXXX that day, and the accounting office said they had no record of the transaction, and that any funds should have been sent back to the card. The next day, I called the prepaid card company ( XXXX/XXXX/XXXX ), and I was explicitly told I would see a refund in 10 days. In fact, the woman on the phone said, " I see that the funds were sent back to card 11 minutes after the charge was made to the card ''. 

However, it has been well over 10 days and the funds have not returned. I have called into the prepaid card company, and told I need to dispute the charge. XXXX has also advised me to do the same since they say they do not have the funds. I do n't understand why the company lied to me and told me the funds would be refunded, but I have submitted the dispute now. Unfortunately, the card company says it will take up to 90 days to resolve the dispute!
Product: Debt collection

I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a DC # XXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. XXXXXXXX XXXX XXXX XXXX MO ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity
Product: Credit reporting or other personal consumer reports

1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

1681N-Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

XXXXXXXX XXXX XXXX  ( late payment ) account # XXXX PLEASE HELP ME WITH THIS INACCURATE LATE PAYMENT REMOVE/DELETE XXXX XXXX Account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX THESE ACCOUNTS WERE OPEN WITHOUT MY PERMISSION OR CONSENT PLEASE HELP ME REMOVE/DELETE OUT OF MY CREDIT REPORT..
Product: Checking or savings account

XXXX XXXX {$120.00} XXXX XXXX  XXXX XXXX. XXXX XXXX {$81.00} XXXX XXXX. XXXX XXXX {$34.00} XXXX XXXX XXXX. XXXX XXXX {$52.00} XXXX XXXX. XXXX XXXX {$14.00} XXXX XXXX. XXXX XXXX {$14.00} XXXX XXXX. XXXX XXXX {$22.00} XXXX XXXX XXXX. XXXX XXXX {$17.00} XXXX XXXX. XXXX XXXX {$21.00} XXXX XXXX. XXXX XXXX {$49.00} XXXX XXXX. XXXX XXXX {$26.00} XXXX XXXX. XXXX XXXX {$34.00} XXXX XXXX. XXXX XXXX {$39.00} XXXX XXXX. XXXX XXXX {$44.00} XXXX XXXX. XXXX XXXX {$26.00} XXXX XXXX Above is a list of multiple transactions made on my account that were not made nor approved to be made by me. These transactions started to occur after using the outside gas pump at a XXXX gas station on Tuesday, XX/XX/year> at XXXX XXXX. Ive already reported these transactions as fraudulent and unauthorized to chime bank 6 times and have been denied every single time, Ive uploaded personal statements, police reports ect even a document showing how XXXX XXXX refunded me for one of the transactions because they recognized it as unauthorized and decided a refund was necessary but they informed me that if they refunded all transactions it would then disable my apple id account and therefore would loose all my information and data stored in my XXXX account. I am a hard working XXXX XXXX and also a single parent to a XXXX XXXX old baby so {$610.00} missing from my account isnt taken lightly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AR XXXX XXXX XXXX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting Act. The account above has violated my federally protected consumer rights for privacy and confidentially. Under 15 U/S/C/ 1681 this Account has violated my rights. 

15 USC 1681Section 602 A states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account information with out my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

KOHLS DEPT STORE IS FRAUD, THEY TELL AND LET THEIR EMPLOYEE 'S TELL CLIENT WHEN APPLYING FOR A CREDIT CARD " IT WILL BE A SOFT INQUIRY '' IT IS NOT, THEY HIT MY CREDIT REPORT WITH A HARD AND SOFT INQUIRY, THEY WILL NOT REMOVE IT, THEY ARE COMMITTING FRAUD AND GETTING AWAY WITH IT. TRY AND DISPUTE AND THEY SEND YOU TO SOME OTHER COUNTRY WHERE YOU CAN NOT UNDERSTAND THEM ( PURPOSELY ) YOU CAN NOT HAVE XXXX, XXXX, XXXX REMOVE THIS INQUIRY. THEY KNOWLY ARE DOING THIS BECAUSE I SPOKE TO AN EMPLOYEE AND SHE STATED THEY GET A SMALL COMMISSION BY PULLING THIS FRAUDULENT ACT AND DO IT DAILY BY THE HANDFUL TO MAKE A BUCK TO THEIR EMPLOYEE 'S THAT BASICALLY MAKE MIN. WAGES. ANOTHER USA DOWN THE TANKER DUE TO MAKING THE OH ' MIGHTY DOLLAR DUE TO CORPORATE FRAUD AND GREED $!
Product: Mortgage

My wife, XXXX XXXX was unable to work as of XX/XX/XXXX as she was declared XXXX by Social Security and received an award letter. In XX/XX/XXXX we contacted our mortgage company to apply for mortgage assistance which the mortgage company played games having us fax and re-fax bank statements, proof of income and my wifes award letter from Social Security. We were asked to keep resend this information for least three months. After the third month we received a letter of denial for any assistance from our mortgage company. At that time we chose to sell off some of our possessions and ask our family members to help us save our home, but we continued to pay our mortgage. In XX/XX/XXXX we received a letter from our mortgage company saying that we our mortgage was going up because our county taxes went up and for two years we failed to pay escrow. This was a fairly new mortgage company as our mortgage was sold in XXXX and we never had a problem with the old company. We checked and our state and county taxes are the same. In fact the new mortgage company sent us a check for escrow over payment. Now when I send the monthly payment it says payment for unapplied finds, mortgage went from XXXX to XXXX a difference of over XXXX without any REAL reason.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 a payment of {$490.00} was made to XXXX XXXX. We talked on XXXX  and they made a fake page linking them to the main one. They took my telephone, address, and email information and sent over an " invoice ''. They were responsive the entire time until payment was made via XXXX. Once payment was made no update on conversation has occured on tracking or product location. I sent a request for the money back and that request has been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information about my personal identity and all financial history was illegally obtained by a 3-rd party via Equifax data breach. The knowledge about the breach was not released to a general public until much later. 
Equifax has mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website.
Product: Money transfer, virtual currency, or money service

In XX/XX/2020, my brother was meant to send me funds in the amount of {$160.00} for personal reasons. Upon making the transaction, the PayPal app glitched and the funds were sent to a woman with the same first name but with the last name of XXXX. He immediately filed a dispute with PayPal, he had no contact with his bank, and the funds were seemingly returned - he sent the funds to me after he received them. On XX/XX/XXXX, I received an email that advised I owed PayPal the - {$160.00} because my brother filed a dispute against me for the monies. Please note, I immediately called him to ask about the dispute ; he advised that he only filed the one dispute and doesn't even have a confirmation email to support the claim. We called PayPal together the same day and advised that it was an error on their end. The agent responded that my brother was the one who filed the claim and it was my responsibility to pay it. I requested a supervisor and we were later disconnected. On XX/XX/XXXX, I was called 4  times by PayPal who requested their payment. I advised that it was not my error for the dispute and requested a manager ; they also charged me an additional {$15.00} for not paying them ASAP. I was transferred to XXXX, XXXX XXXX, who was rude and inconsiderate in his responses and blamed my brother who filed the dispute - he advised he doesnt have the dispute nor the funds to reflect that it was received back into his account. We offered to send the bank statement as proof of missing money and he declined advising, that PayPal does not accept documentation, even for a dispute against them! I thought it was suspicious that they wouldn't accept proof that we did not receive the funds. After almost an hour of requesting a solution other than me paying ( like a formal dispute, investigation, etc ) I requested someone higher, and was denied one because it was against their P & P 's to do so. When I advised that the customer service was lacking, he promptly responded with " I'm not customer service, I am in collections '' As a trainer for a company, I understand there is an element of customer service within Collections and he was just snarky the whole time. I explained that I needed it to be corrected because it was their error for the dispute that was filed against me and I needed that money to pay for a roof over my head because I care for my grandparents and mother, who currently isnt working due to COVID  and XXXX XXXX. I don't have the money to pay them back and it wasnt my fault they filed on behalf on my brother.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Like everyone else, I have no idea whether my personal information was compromised by the Equifax hack. I attempted to sign up for the company 's TrustedID Premier service that it is offering to people whose information may have been compromised. I filled out the form on the website, but did not receive a confirmation email until 3 days later. I was instructed to click a link to confirm my registration, did so, and then was told I had " already registered '' and should log in with my existing username and password. I do n't have an existing username and password, sparking fears that my information has already been hijacked or used by hackers. I then requested to reset my password and was sent a password reset link. I clicked that link and the site failed to load. It eventually loaded after several tries, then froze when I attempted to actually reset the password.
In short, I have no idea whether I have been enrolled in the monitoring service and apparently the company is completely unable to handle its own disaster.
Product: Mortgage

Our FHA mortgage was financed through PHH Mortgage Services for the year of XX/XX/XXXX - XX/XX/XXXX. They failed us terribly and have put us in a serious bind with our home and county tax office. They not only failed to pay the total amount of taxes owed originally around {$4800.00} now with an outstanding balance of around {$5400.00} with interest continuing to climb. The incorrect amount they can account for ( 2 payments totaling around {$1400.00} ) they paid it to the wrong account! I made them aware of their error back in XXXX after they sold our account and we attempted to refinance. During that process, the new company found the error, making us aware we were unable to refinance due to the mistake and negligence of PHH MORTGAGE SERVICES. After severe run around and no assistance, XXXX in the PHH escalations department assisted me in XXXX and confirmed with me the county lot number they made the incorrect payment was the incorrect account # by the very last number. He assured me that they would correct their wrong, took responsibility, sent it up to a superior, after all it was their mistake. We are now nearing the end of XXXX with no resolution! They have yet to make any changes. They have now decided to send an email stating there was no wrong doing and push the problem onto us and the new mortgage company. They claim the new mortgage company should roll the back taxes into our account. Why should that be the resolution? It's also not possible at this time. Keep your word and right your wrong. Make the necessary corrections. Pay what you owe to our taxes and cover all of the interest that has piled up as a result. We are fed up with the situation and want to move on. We simply want to refinance our home and we can't even do that because of this.
Product: Credit reporting or other personal consumer reports

According to XXXX, this account needs to be removed quickly. I'm upset because it's on my credit report, even though it's not mine. I strongly urge the company to remove it promptly.