23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

on XX/XX/year> I recieved several phone calls saying from Credit Karma and that they needed me to press one for yes 2 for no about a XXXX transaction taking place. I didn't want to press anything as I felt it was a scam. So I called Credit Karma and was informed that they had not tried to call me, nor was anyone trying to make a transaction. 
on XXXX  XX/XX/year> I picked up XXXX XXXX and was informed my Credit Karma Money card was declined. As I knew I had plenty of money on it I checked my credit Karma account and found that my accounts were FROZEN! I called and was told only that it was for my protection. I was livid as I needed to be able to access the money. I was told that on XX/XX/year> I could go to an ATM and withdraw from my card, which I did, XXXX. 
on the XXXX my account was unfrozen. On the evening of the XXXX I got a push notification on my phone that the transfer of XXXX from my savings to my Spend account had been completed... I did not authorize this so I immediately called credit Karma only to be asked if I had changed my phone number. I had NOT and still can not understand how they allowed someone to change my phone number when they wouldn't even TALK to me without sending me a link and my sending them my drivers license, front and back, as well as a selfie of myself holding the drivers license! By the time I got through over XXXX had been removed from my money account by ATM transactions and purchases at XXXX. THIS took place while I was on the phone! 
Credit Karma froze my money card, and i asked them to freeze my checking account until they got my stolen money back. Now there is a screen with the WRONG phone number on it and they ask me to verify that it's my number, it isn't! I have had the same phone number since the day I opened Credit Karma. I asked today why they won't put MY phone number back, and I am told they are working on it. Shouldn't my phone number be back on there as well as asking me to change my password? Isn't Credit Karma supposed to protect us? How did they allow a hacker to come into my account and compromise it by changing MY INFORMATION. Now I am told it may be 90 days! I would like to get all of the money out of my accounts before Credit Karma allows it to happen again!
Product: Credit reporting or other personal consumer reports

15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; Experian, XXXX, and XXXX have willfully allowed " XXXX XXXX XXXX XXXX '' the furnisher to furnish evidence of transactions in the 'Payment History ' section that are simply not allowed under the law above. Experian, XXXX, and XXXX have violated 15 USC 1681a 2 ( A ) ( i ). If you feel you have not violated this law please provide the law that clearly and concisely states a Consumer Reporting Agency has the right to report Transaction History Between a creditor and a consumer.
Product: Debt collection

I went to trial with XXXX XXXX from Nelson and Kennard who is a debt collector on XX/XX/2021. I forwarded my identity theft affidavit to plaintiff, showing that I was a victim of identity theft and it is a fraudulent account. The lawyer never presented a binding contract with my signature and the signature of the authorizing agent per FDCPA SECTION 809 [ 15 USC 1692 ( g ) ]. The plaintiff is now filing another frivolous complaint against myself on another debt from XXXX XXXX XXXXXXXX which is a fraudulent account also. This is also filed in my identity theft affidavit, which is reported to the FTC, all three credit bureaus, and filed with the XXXX Police Department. I would like the harassment to stop. If they can not provide a binding contract that I owe them or XXXX XXXXXXXX XXXX. I will file a counterclaim against Nelson and Kennard for filing a frivolous complaint against myself for a fraudulent account.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXXXXXX/ {$210.00} / XX/XX/2022
Product: Debt collection

The law prohibits debt collectors from communicating with consumers without their consent or a court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent account number XXXX has violated my rights. 

XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A - States I have the right to privacy 15 U.S.C. 1681 604 A - It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Regional Acceptance is stating that I missed a payment when in fact the representative documented a wrong digit for my card and they did not debit me which I called in when I notice they didnt debit me and another representative apologized corrected the previous representatives mistake and debited my card. This is not my doing and should not be reported as so! This goes against my consumer rights!
Product: Debt collection

I have attempted to obtain information from XXXX XXXX, XXXX several times. I have attached the multiple correspondences to this company and have yet to receive a response from them. The only communication received is when I entered a complaint with CFPB previously and in return this company failed to supply what was requested. 

I am requesting : A copy of the notification letter indicating the accounts above were purchased by XXXX XXXX as well as the effective date of the XXXX XXXX assumed ownership Copies of all statements and communication related to the listed accounts from XXXX XXXX Copies of documentation that supports the reported payment activity being reported to the credit bureaus A copy of the Notice of Default/Right of Redemption to include the outstanding balance, fees and the deadline to redeem the loan. 
A copy of the Notice to Sale A copy of the Post Sale Notice to include the accounting
Product: Credit reporting or other personal consumer reports

I contacted both Trans union and XXXX XXXX  XXXX to delete unauthorized inquires that appeared on my report. XXXX XXXX XXXX was willing to provide the info and delete but they didn't have anything to provide for me to get off and send to trans union, but they were willing to delete. Trans union did not help and gave me the run around like my concerns didn't matter. They were very rude.
Product: Debt collection

XXXX XXXX XXXX date opened XX/XX/XXXX amount {$3300.00} I have no knowledge of this my identity was stolen and I've tried to call these people they hang up the phone very rude. XXXX XXXX {$2400.00} XX/XX/XXXX I have know idea also around the same time preferred lease {$1900.00} I've tried calling I get nowhere please please help me thank you so much
Product: Student loan

I am a current XXXX and I get enough refund money from my school each semester to pay for my unsubsidized loan before it starts accruing that much interest. On XX/XX/XXXX, the unsubsidized loan ( {$1000.00} ) and the subsidized loan ( {$2200.00} ) for the fall semester were charged to my MOHELA loan servicer account. According to my bank statements, on XX/XX/XXXXXXXX  I paid off the unsubsidized loan in full, with a total one-time payment of {$1000.00}. As of XX/XX/XXXX, this payment has not been credited towards the loan and it is still accruing interest. Trying to contact MOHELA by phone through the number provided on their " Contact Us '' page has only resulted in being put on hold for hours at a time and no real solution.
Product: Checking or savings account

I tried to get cash from my chase account through ATM machine. I request 20 {$20.00} bills and 1 {$100.00} bill, but got 5 {$20.00} bills and 3 {$100.00} bills. Malfunction machine gave me not only wrong bills and also wrong money amount ( XXXX XXXX  dollars less ). 
I called chase in the same day XX/XX/XXXX ( claim # XXXX ) .After this I found on my account 2 transactions related to this incident : DateXX/XX/XXXX DescriptionReversal : ATM WITHDRAWAL XXXX XXXX ALLER ClaimId : XXXX ( ... XXXX ) Amount {$100.00} DateXX/XX/XXXX DescriptionClaim reversal : ATM WITHDRAWAL XXXX XXXX ALLER ClaimId : XXXX ( ... XXXX ) Amount {$100.00} It looks like no real investigation was made ( if its possible to get 100 % proof amount issue by ATM ), just its imitation by formally follow procedure. 

Please help me to resolve this problem. 

Thank you.
Product: Mortgage

Spoke to a representative regarding the payment due XX/XX/XXXX. Representative stated that fees would be waived and if a payment of XXXX was paid, the mortgage would be up to date. Fees were not waived, and additional fees were applied. Since that point each time the payment is made it is applied to a suspense account because fees were not in fact waived as we were told. An additional XXXX was charged on the XXXX XXXX statement because of this. An additional two hours were spent attempting to rectify this matter with Lakeview Loan Servicing, LLC to no avail. Again, we were promised that the fees would be waived and that the regular monthly payment ofXXXX would be all that is necessary to be current.  The fees were not waived.  We were contacted yet again from the collection department stating that we needed to make a payment. We were originally set to pay XXXX so that we would not be inaccurately reported to the credit bureaus as delinquent. That payment was canceled when we were assured by a Lakeview Loan Servicing, LLC representative that only XXXX plus a XXXX difference would need to be paid. We again complied so that we would not be penalized. In XX/XX/XXXX, yet another late fee has been assessed. In another attempt to clear the situation, we reached out to Lakeview Loan Servicing, LLC. This is now the 4th month in a row we have requested remediation and no corrections have been made. Because the payment of XXXX still showed as past due because of fees not being waived, I had to pay an additional XXXX to make the payment. I attempted to make a payment of XXXX online but I was unable to make this directly to the balance due. During this request, I was advised (AGAIN) that fees would be waived and that a payment of XXXX would take care of fees we were somehow responsible for, AND would ensure the payment made of XXXX for XXXX   would suffice. This time the account reflected XXXX in fees that would need to be waived.We called again on XXXX XXXXh and were told that the case should be settled on XX/XX/XXXX. We called yet again on XXXX XXXX and the representatives simply tried to collect a debt and stated that they were unable to help. On top of the fees that continue to accrue due to months of false statements from Lakeview Loan Servicing, LLC, we have been unable to take advantage of record low rates because Lakeview Loan Servicing, LLC will not show our mortgage as current on a Verification of Mortgage. At this point, we are under the impression that we will not receive any assistance from Lakeview Loan Servicing, LLC. We are fortunate that rates have not risen as that would be additional harm to our financial well-being. We are not asking for the difference in interest of what we could have obtained and what we were being charged. We are simply asking Lakeview Loan Servicing, LLC to stand by their word and waive all fees from April through the present as agreed upon.
Product: Mortgage

I have a loan with Specialized Loan Servicing for nearly 10 years. The loan payment increased as a result of the GOING TO TERM from Interest Only. The XXXX payment was made via AUTO BILL pay for XXXX versus XXXX. The XXXX payment was received before due date and once we realized that it was less the the minimum I contact SLS and made a payment for the balance prior to end of GRACE Period. SLS is taking XXXX of the payment for maintenance and not my full payment.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This account was charged off on the following date ( XXXX of 2021 ). Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history every month. A charge off account should not include an active payment history. This inaccurate information falsely manipulated the statues of limitations and negatively impacted my ability to receive credit in the future. You failed to investigate this account properly for over two years and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I previous filed a complaint with CFPB ( XXXX ) ( XXXX ) reference this account.
Product: Debt collection

I have disputed this account numerous times. I 've never owned an account with Afni Inc . I have contacted each credit bureau of which this company has reported a debt under my name. The company can not verify any account under my name with them. 

As a result, I have been penalized with higher than usual apr rates for credit I have been approved for on loans and other lines of credit. I have also been denied credit when needed and housing twice, or charged larger deposits. 

It is unethical and illegal to try to falsely collect a debt that does n't belong to someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with NORDSTROM/TD BANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NORDSTROM/TD BANK and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, and NORDSTROM/TD BANK  with no successful resolution. XXXX only reporting me two 30 day late payments. There was an error on their part. I was never two times 30 days late.
Product: Checking or savings account

On XX/XX/2022, I received a text from Bank Of America stating someone was attempting to withdraw {$3500.00} out of my account through XXXX. I denied the transaction. Immediately after I received a call from Bank Of America stating, they would help me resolve the problem and get the {$3500.00} back into my account. They walked me through adding myself as a recepient on XXXX. They had all of my information already, just asked me to confirm. 

The next day I went to the bank to show the texts, calls and emails that were sent during the transaction. Everything said Bank Of America and looked legit to the XXXX, even she was shocked. They told me XXXX is it's own entity and it would be their fraud department 's decision. Even though Bank Of America endorsed them and offers their service to their customers. 

Ultimately, the claim was denied. My attempts at reversing the denial and asking for a second look at my case, went unanswered. I called several times over a months period, left messages and noe ever called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan through XXXX XXXX. I recently realized they incorrectly reported me late for XXXX, XXXX, XXXX, XXXX and XXXX XXXX. I submitted a complaint and requested they correct their error. I enclosed the relevant payment history which shows I was never late. XXXX responded by adding 6 months of alleged late payments. My report now shows me being late for 10 months when I have never been late on the account. The first 4 were the result of XXXX not properly crediting my first payment. The addition of the last six months can only be defined as intentional harassment. I not only never went 30 days late on any payment I have paid more than required every month. I am most furious about the claim my account was late from XXXX through XX/XX/XXXX including a claim I was 60 days late in XXXX. I sincerely want to receive the {$1000.00} for each offense pursuant to FCRA. The letter I sent to the agencies and XXXX is attached as are the payment history from XXXX 's own website and a copy of the credit report submitted by XXXX. The original complaint and XXXX 's payment history show I was never late. Had XXXX properly recorded the first payment made XX/XX/XXXX there would be no issue.
Product: Credit reporting

My husband and I wrote a letter to Trans Union on XXXX XXXX, asking them to investigate errors on our credit report. Nearly two months have passed, and we have yet to hear back from them. We do n't know whey they are taking so long to respond to our request.
Product: Debt collection

I have sent numerous letters aboou t Northwest Collectors Inc. trying  to coooect a debt that is not mine. I tried contacting the original creditor,  which Northwest Collectors Inc. clai ms I owe, and there is no such company they claim. They have no file at the  XXXX   XXXX  hospital nor does the doctor mentioned know anything about this alleged account. So after my personal investigation this is a fraudulent account  and Northwest Collectors Inc. is   clearly providing false information of the original creditor. They can not provide any proof I actually owe them yet they still are reporting to all three major credit bureaus ;  XXXX ,  XXXX  and  XXXX .
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint concerning multiple unauthorized inquiries on my credit report, with the exception of those made by XXXX XXXX. Upon reviewing my recent credit reports from Equifax, XXXX, and XXXX, I noticed several inquiries that I did not authorize. These unauthorized inquiries are negatively impacting my credit score and overall creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), consumers are protected against unauthorized access to their credit information ( 15 U.S.C. 1681b ). According to the FCRA, only entities with a permissible purpose should have access to my credit report. The presence of these unauthorized inquiries indicates a potential breach of my rights under this law. 
I request an immediate investigation into these unauthorized inquiries. I expect that any inquiry that can not be verified as authorized be promptly removed from my credit report. This corrective action is necessary to ensure the accuracy and integrity of my credit information as mandated by the FCRA ( 15 U.S.C. 1681e ( b ) ). 
For your reference, I have attached copies of my credit reports highlighting the unauthorized inquiries
Product: Money transfer, virtual currency, or money service

On XX/XX/year> there was a transaction deposit into my account for payment for bills the payment amount was XXXX there was a dispute on the amount and then th dispute was canceled the refund and dispute was dicuss with a representative and it was supposed to be refunded on XX/XX/year> I reach out again same statement that it would be refunded it was never refunded and they closed the case with no expectations.
Product: Debt collection

Wakefeild do not own the debt. Telephone they used doesn't work when you try to call back. The medical debt has /was being handle by healthcare insurance. I told them to cease and desist ANY weather contact with me by via email, US Postal services, any mail carry service, text message, telephone calss and or reporting any information to any credit bureau reporting agencies. They still keep harrassing me by US postal service about a debt they do not own the chain of title to. The male represenative was rude. He told me why dont I just pay my bill and discussing my personal medical information violating HIPPA.I do not owe money this issue was result through insurance. Wakefield has harassed me after i i told them repeatedly to STOP. reference numbers XXXX ref # XXXX amount {$400.00} XXXX ref # XXXX amount {$210.00} These collection agency are selling the debt without chain of title, NO ownership something needs to be done about this level of harassment. This is unfair and deceptive pratice trades and a violation under the consumer fair credit Act.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX  and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$270.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

With the new IDR forgiveness program, I received a letter that my loans should have ended in XXXX, since with the program after 20 years of paying the remaining balance is forgiven. I am due a large refund check, over XXXX XXXX but nobody can tell me when I will receive that. I have been tossed back and forth from my loan servicer to the US Department of education multiple times, let alone how long Ive had to wait on hold each time, with no resolution. No one has an answer. Aside from that, the US Department of education should have to pay us interest on the refund amount. My loan payments shouldve ended back in XXXX and here we are in XXXX, thats seven years that my money was held. Why shouldnt they pay interest? If it was the other way around, I would have to pay them interest on the balance, so how is this any different? This is unfair to people who signed up for this program and have been deceived all these years where weve struggled to make payments and come to find out now that 7 yrs ago my balances should have been erased. Just getting our money back isnt good enough, its not right! We should be paid back interest at the very least!!
Product: Credit reporting or other personal consumer reports

I never applied or authorized any inquiries listed below. These are all fraudulent and a case of identity theft. Pleased delete all the inquiries listed below Under 15 USC 1681c2. Block of information resulting from identity theft XXXX XXXX XX/XX/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