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 Accounts listed below 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 Accounts in violation of my rights are listed as follows : XXXX XXXX XXXX  Acct # XXXX, DEPT OF EDUCATIONXXXXXXXX XXXX  Acct # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Credit Card Acct XXXX XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX XXXX  Acct # XXXX, DEPT OF EDUCATIONXXXXXXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX , DEPT OF EDUCATIONXXXXXXXX XXXX  Acct # XXXX, DEPT OF EDUCATION/XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Credit Card Acct # XXXX, DEPT OF EDUCATIONXXXXXXXX XXXX  Acct # XXXX, DEPT OF EDUCATION/XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Credit Card Acct # XXXX, XXXX XXXX Credit Card Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX, XXXX, XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX account Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct XXXX XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX, Date : XX/XX/XXXX, XXXX Date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$140.00} XXXX   XXXX XXXX {$190.00} XXXX  XXXX {$390.00} XXXX  XXXX {$120.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX/XXXX  XXXX {$220.00} XXXX XXXX  XXXX/ XXXX {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to notify about some informations that are continuesly reporting in my credit file. Please make sure that the following items will removed immediately from my credit file. If you do not provide any records & claim the items are deleted please understand I will seek legal action. So please comply with the law so this matter can be handled swiftly. The following items should be removed immediately : 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 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, credit repair services, or other personal consumer reports

I HAVE ALREADY CONTACTED THE CREDIT AGENCIES INFORMING THEM THAT THE INFO BEING REPORTED IS INCORRECT AND NEEDED TO BE UPDATED BUT THEIGNORED MY REQUEST.
Product: Checking or savings account

XXXX XXXX. 

I have banked with Citizens Bank for 10 years and I had my phone stolen and {$800.00} sent from my phone with my bank app and the money has not been given back to me. I made a police report and my money still is missing. I will be closing my account but I will not be paying that money back. Citizens Bank is a fraud bank!
Product: Checking or savings account

I purchased concert tickets from someone ( seller ) on XX/XX/XXXX based on the recommendation of a very trusted friend. The seller requested that I pay via XXXX, I did and the seller did not produce the tickets. On XX/XX/XXXX I requested a refund from the seller, he stated that he issued it back to me through XXXX which he did not. He said it was pending. I also made a payment request through XXXX for the {$900.00} he owes me. On XX/XX/XXXX I reached out to him again to let him know I still haven't received my money. He did not answer me. On XX/XX/XXXX I reached out to him again and he did not respond again. 


This is clearly a scam so I have done the following : Collected and printed all of the texts and communications with the seller Obtained a police report Called Chase ( XXXX on XX/XX/XXXX and XX/XX/XXXX Messaged Chase through Mobile App on XXXX Called XXXX ( XXXX ) XXXX Filed XXXX Scam reports with XXXX on XX/XX/XXXX Emailed XXXX customer XXXX on XXXX Messaged XXXX on XXXX on XXXX I called Chase on XX/XX/XXXX and the gentleman I spoke with told me I had to contact XXXX. They told me to call back if XXXX can not help me. XXXX states on their site If youve been a victim of fraud or a scam, contact your financial institution to report the incident and confirm if any reimbursement options are available. This is very confusing. Neither Chase nor XXXX seem to be prepared to help victims of scams. The more time I spend going back and forth seeking out help, the more time is allowing the scammer to keep my money. 


On XX/XX/XXXX I called Chase again since XXXX did not contact me. The woman I spoke to told me their hands are tied because I used XXXX. She said to never use XXXX with strangers and I should use my debit card instead. XXXX is a product that Chase offers so why wouldnt I trust it? She said they would not be able to reverse the payment. I told her I have been trying to get in touch with XXXX and asked if they could please help. She had the same customer service number I had been trying. 

It seems to me that XXXX and Chase are offering and suggesting a product that criminals and scammers are using and based on their lack of security/backing of consumers I can see why. They need to do better. In this day and age this is unacceptable. My ask is that someone actually look into this situation, take it seriously and actually help me get my hard earned money back. The money was issued electronically and I do not seem to understand how they can not get it back electronically. I know I am not the first person to experience this, so I find it very hard to believe that there is NOTHING Chase or XXXX can do. I know this isnt a lot of money, but it is to me. I look forward to your assistance and response.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX  XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by XXXX means ( 18 USC 894 ). 
Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Mortgage

My house was damaged by a tornado on XX/XX/2020. The insurance check includes our mortgage company, Midland Mortgage, on it. We have provided contractor estimate for roof repairs as well as photos of the temporary repairs and debris we removed personally. Midlands still refuses to provide any of the funds even though the cost estimates exceed the {$5300.00} check. We can not begin repairs until we have the funds. It is hurricane season and I fear for the safety of my family with a damaged roof. Im beginning to think they just intend to steal the money.
Product: Student loan

I XXXX from XXXX XXXX XXXX in XXXX XXXX, MI XXXX in XXXX, 2011. I received a federal student loan & also a student loan through XXXX ( XXXX ). I can not afford the payments for this loan. No one will touch this loan to refinance it because it is through XXXX. They will do absolutely nothing to work with me. In the beginning of XXXX, I called to speak to someone there & phone rep told me that I had 180 days to catch up on my current payment before it would affect my credit. Sure enough, they have reported to the credit bureau that I am behind. I am currently trying to obtain a mortgage & have had a clean credit report for the past XXXX years until now. Because XXXX reported my student loan after telling me that I had 180 days to pay the difference I owed. My credit report states that I am over {$500.00} behind. My monthly payments started out at {$220.00} & approximately 90 days later, they raised the monthly payment to {$340.00} per month. I can only anticipate they will continue to raise it. I currently owe them nearly {$1500.00}. Additionally, XXXX has been XXXX big scam from day XXXX. They did not follow through with the services they promised, such as job placement. I owe nearly {$60000.00} in student loans for an XXXX XXXX. Not to mention, this private loan they conned me into. 
I am fortunate that I did find a job on my own, however, it does not pay as much as I would like. My wife works part time & has a student loan as well. So we have XXXX total student loans that are close to {$100000.00}. Something has got to give.
Product: Debt collection

Hunter Warfield Inc at XXXX XXXX XXXX XXXX XXXX fl XXXX  has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Checking or savings account

Bank of America is apparently retaliating against me for challenging their non-compliant predatory behavior by systematically denying disputes that they urged me to file. 

Just today they once again sided with the vendor over me and flooded me with 11 pages of mostly not filled in response forms from the vendor and are threatening to take about {$700.00} dollars of my money based on a few scrawled notes from the vendor the dispute was against. 

This vendor sold me merchandise that was not as described and then was passive aggressively uncooperative in proposed resolutions while Bank of America delayed and delayed in assisting in resolution. 

This followed a series of complaints against BOA I have filed in a number of different venues for their documented non-compliance with applicable banking and trade practice rules, regulations, and laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX
Product: Vehicle loan or lease

I financed a car through Wells Fargo Auto back in XX/XX/2017. I have paid {$37000.00} per/contract. This loan was written for 72 months. Wells Fargo turned into the XXXX 82 months. I called and spoke to the main office about this and they would not admit it. I called again and spoke to someone else and they said that is how many months I owe on this car. I explained the contract was in the amount of {$37000.00}. The lady said I need to send her documents. I asked her if they did not have a copy of the contract. She stated " not all of it '' I sent copies through " text '' I get a letter in the mail stating that 82 months was correct. I turned this into my " State General Attorney office '' I tried to work with them. The title to my car belongs to me. I paid this contract in full. I feel they are " thieves '' I paid my payments per/contract. They stated I owed another year for late payments. My payments were made every month as agreed. I asked if I could change my due date because of my SS check being due the XXXX Wednesday of every month. The person I spoke to said " that will be no problem '' I can change your due date. When I addressed this with the main office " the gentleman '' said " that was denied. I asked him why I had not been notified. He said " just a miscommunication '' I guess. I told him that was a " mistake only in your favor '' he asked me what else he could do for me. That is how the answer was addressed by the main office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open opened this account XX/XX/XXXX while I was in the store checkout and the cashier stated she could get me approved for a credit card. I told her no several times but she insisted and I felt coerced into giving her my drivers license upon which she said it would not run against my credit. It would only be a soft pull she just wanted my ID to type in the name and my drivers license number. Well upon a pull of my credit report the hard pull was on my account! The instant approval and she put the items on the card, which was {$60.00}. I did n't get a statement that month of course because it was the end of the month and so I did n't receive a statement. I took it upon myself to go into the store and make a payment on my own XX/XX/XXXX for {$30.00} ( {$27.00} scheduled payment ) then on XX/XX/XXXX paid {$38.00} ( which would have paid off the entire debt ). I .. all payments were reported as paid. Until XX/XX/XXXX stating I was 30 days late, which is not true. 
On or about XX/XX/XXXX I called your customer service number to discuss this matter with no resolution, then again on XX/XX/XXXX when I spoke with XXXX who assisted me with obtaining the information to follow up to correct this error. I was assured it would be handled but when I disputed the entry on my credit report it said you verified the information to be accurate. If you look at the account you will see the reversal of late charges and my account is now also current and has a credited balance. 
Please make this correction so that it will not continue to adversely affect my family and me. This oversight and error has cost me harm and credit denial. This needs to be rectified immediately. I was told the account was to be paid on XX/XX/XXXX and payment was not credited until XX/XX/XXXX- though I received not payment for the month due to paying more. THAT IS NOT 30 DAYS late.. These erroneous late fees which have been reversed due to this error is what would have been late because I no longer owed money for any merchandise.
Product: Payday loan, title loan, personal loan, or advance loan

The banking service I used is called Moneylion. I took out an instcash advance, and ended up losing my job at the end of XX/XX/XXXX. I owe just over XXXX XXXX I successfully deferred the payment until XX/XX/XXXX, but would not receive my first paycheck from a new job until XXXX XXXX, XXXX. I contacted support on XXXX, XXXX and they would not allow me to defer it again to a future date, so I removed my permission for automatic payments from my account to cover the repayment. Their terms allow this, and it should have been put into action within 3 buisness days. This Monday, XX/XX/XXXX, my unemployment check was deposited into my account. 6 minutes after being deposited, Moneylion garnished the ENTIRE amount leaving me with XXXX $ in my account. {$660.00} was taken on XX/XX/XXXX, and XXXX $ on XX/XX/XXXX with XXXX. I contacted them immediately and have been given the runaround for 3 days now. I haven't received XXXX back, and have now been fired from my new job because I didn't even have gas money to get there. We have no money for groceries, and now have racked up over XXXX $ just in returned payment fees. I've expressed the urgency to them multiple times to no avail. At this point, I feel it's fraudulent. Their terms don't require repayment, especially after removing autopay from my account. I told them I did not authorize the charge over a week in advance, only for them to take it anyway and are dragging their feet returning it. As a result, it's put my family in an extremely difficult and dangerous situation as we could now be facing homelessness due to job loss.
Product: Student loan

Multiple times I have called, waited on hold for HOURS, and been provided a lame excuse for why I couldn't be assisted by that agent and passed to another or disconnected. I applied for the XXXX repayment plan via the federal website who passed my info along to MOHELA to be approved. The works has already been done by the federal website, just needs stamped by MOHELA but due to the delays I will have to pay much higher payments until they finally approve my request to be changed over to the XXXX program. It honestly feels like a delay tactic to get me to pay higher payments for as long as possible before changing my repayment plan. It is now XXXX weeks after my original request, XXXX weeks of calling have not achieved anything and I'm stuck with a much higher payments until MOHELA does what they are being paid to do.
Product: Checking or savings account

On Friday, XX/XX/2020, I found that a {$9200.00} check was deleted from a commercial deposit by the bank with explanation. I went to the XXXX, GA Bank of America branch to attempt to resolve the issue. While researching the issue, a banking associate placed me on the phone with an account closing specialist who told me that management had reviewed my relationship and decided to close al personal and business accounts. Debit and credit cards were cut off immediately. I was given two weeks to move my relationships, at which time al funds would be frozen until they got around to sending me checks toward the end of XXXX. 

My personal accounts had been open for more than 25 years. My business accounts were all over five years old, one was fifteen years old. 

After all that time, I was given two weeks to move eight highly active accounts. Eleven debit/credit cards were cancelled immediately, with no notice. 

The specialist refused to give me an explanation and stated that I had no recourse. The whole thing was unconscionable. She said that written notices were in the mail, but they provided no information.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX HARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OR XXXX XXXX XXXX ) XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX HARD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX ( XXXX ) XXXX HARD Reported XX/XX/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.

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-1 ( 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

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A company called Diversified Consultants keeps calling me. Not leaving a message. They are a collection agency of some sort. My phone # is XXXX. I already have a complaint filed case # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the F Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 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 reports containing any of the following items of the information. Any other adverse item of information, other than records of convictions of crimes which anteater the report by more than XXXX years. 


15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any into relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.