23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the following accounts be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The accounts listed below have been compromised or fraudulently opened as a result of the breach : Accounts to be blocked and deleted : XXXX. XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$340.00} XXXX. XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$1100.00} XXXX. XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$100.00} XXXX. XXXX XXXX  Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$530.00} XXXX. XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$370.00} XXXX. XXXX XXXX XXXX  Account number : XXXX, Date opened : XX/XX/XXXX Inquiries related to the above accounts : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX VIA DEALER Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been declined a basic checking account cause of the unauthorized use that XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX and others i dont authorize
Product: Credit card or prepaid card

I applied for the Southwest Airlines Chase credit card with the promotional terms stated at the bottom of the screen. Promotion was for a {$200.00} statement credit after first purchase at Southwest Airlines ( I even took a screen shot of the website ). I would not have applied if it wouldn't had been for the offer. The card did clearly state that it also had a annual fee of {$69.00}. Because of this, I was not going to get the card but with the statement credit, I figured it would pay for itself. After contacting Chase in regards to this, they stated that they put a different promotional offer on my account that did not include the statement credit. So on top of not getting the credit, I also have to pay for the fee. I have contacted Chase 3 times in regards to this issue and they refuse to work with me and finally told me to not contact them about this issue again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Equifax for almost 3 yrs now trying to correct information reporting on my credit that is inaccurate. I have sent at least 10 letters trying to correct the matter. It is flat out fraudulent. There are 11 accounts that are reporting that I never had. I have requested these accounts be removed. Equifax has done nothing but claim they are accurate. This is false. I have sent numerous letters explaining that I was a victim of identity theft twice. Once in XXXX and again in XXXX. I have a list of the accounts in question. 

XXXX # XXXX XXXX- # XXXX XXXX XXXX- # XXXX XXXXXXXX- # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have since taken measures to pay for XXXX, which alerts me when something is going on with my credit, and any breach with my personal information. 

I don't know what else to do except sue Equifax for violating the fair credit reporting act. 

But before I proceed, I wanted to give them this last chance to respond before I go public and retain counsel.
Product: Student loan

Navient continues to contact my XXXX Grandmother  who is XXXX XXXX XXXX regarding XXXX student loans that she co-signed for me XXXX years ago in the years of XXXX. I have asked that they remove her from the calling directory but every day for the past year she receives at least 4-5 calls a day to her home where she and my grandfather reside alone and can barely XXXX My grandparents and I have asked they contact me instead the calls have not ceased.
Product: Checking or savings account

On XX/XX/XXXX we called HSBC Bank to close out account. They told us that they would mail us a check for {$730.00}, On XX/XX/XXXX we called to see why we had not received our check. We were told that it takes 5-7 business days and the check was written on XX/XX/XXXX but might not have gone out until XX/XX/XXXX. Called XX/XX/XXXX. Check takes 7-10 business days and should arrive soon. It has been 10 days today. Wait it will come. Called XX/XX/XXXX. Check has not arrived. XXXX will check on it and call back tomorrow. Did not call back. XX/XX/XXXX we called. They will stop payment on the check but we need to sign an indemnity letter first. This must be mailed to us not faxed or emailed to verify we can receive mail at our address. On XX/XX/XXXX the indemnity letter was received by us. We completed it and had it notarized. Sent through US post office with signature requested. Letter received by them XX/XX/XXXX. Stop payment requested, but must first be cleared through bank. We need to wait until XX/XX/XXXX and a new check will be issued. We called XX/XX/XXXX. Check was mailed XX/XX/XXXX. Please allow 5-10 business days.
Product: Vehicle loan or lease

There is an inaccurate account on my credit reports with SAFCO that I have been disputing for some time now. I sent them a letter in the mail asking for validation of debt and have never heard back or received anything back from them in the mail. It is illegal to ignore a consumers requests and disputes for accounts on their credit report. It is also illegal to report account without valid proof and documents showing that this debt belongs to me. Please delete this account from my reports now.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/year> by XXXXXXXX XXXX XXXX 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ).

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry.

I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXXXXXX on all accounts, had violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may no treat a payment on a credit card 301 account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel student loan debt and update my consumer report to reflect paid in full.
Product: Mortgage

I applied for a mortgage on a rental property that I own outright after being contacted by one of E Mortgage Capital 's loan officers, XXXX XXXX on XX/XX/. We went back and forth on terms for a couple of days and after arriving at numbers I was comfortable with, we proceeded with the process. I submitted all my documentation to support the loan and completed everything by XX/XX/. XXXX XXXX sent me the final forms with the new disclosure on XXXX XXXX XXXX and there were new charges added ( most egregiously was a new {$990.00} " Underwriting '' fee ) that increased the closing costs around {$1300.00}. I reached out to XXXX about the increase on the XXXX and received no response. I followed up a week later with : " XXXX : Hey XXXX. I don't know if you got my last but wanted to check in and see where we're at. 

XXXX : I apologize. I thought you were not moving forward due to the closing costs. Are you still interested in moving forward? 

XXXX : I assumed the additional underwriting charge was in error and we could correct that. The original disclosure did not contain that charge. '' Nothing more from XXXX XXXX after that. 

It's pretty clear to me that this company or XXXX XXXX was trying to pull a bait and switch and commit UDAAP violations by getting me to go through the process under one set of terms and then jacking up the price with additional fees after I had done all of the work to support the loan and was at the end of the process.

I have never made a complaint before but I felt this warranted one so that future customers are not subjected to the same tactics, or worse, miss that the company is increasing their fees when they get to the final stage and pay more than they agreed to.
Product: Debt collection

XXXX from " recievable management partners llc '' calls me every day claiming they are a debt collection agency. When i call back, no one answers. I do not owe any money to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Last XXXX of XXXX, I called and contacted both of the following companies. I was in the process of trying to fix up my credit. I called two companies in reference here : ( Lending Club ( that has issues with different optional payment plans, making it hard to contact and make payments ) also ( now called here as : XXXX XXXX or XXXX ). Then XXXX XXXX, to negotiate a payment ( voluntary turned a XXXX car we purchased early, knowing we would eat a large amount because the car was worth 20K less than what we paid for it!! ) just after 8 months making hefty payments, of 300 more than we were told from dealership. Didn't even get a bill, for three months after we purchased the car. ( that's another complaint about this dealership ) and very low miles when turned back into XXXX dealership. This automobile we purchased from a crooked dealership, in Georgia ). Now we planned to bring both accounts current and to reflect they were paid off as agreed and the negative ratings removed from my credit reports.. I did my part, as we agreed upon, for both accounts. Now both companies were to provide me with an agreement letter showing the accounts were paid as agreed and ( unfortunately ) This didn't happen ( as agreed ) after making several phone calls month after month and disputing my credit reports. This very much has affected my credit score by more than 50 points, and I need to correct the errors with your help. I have proof of the payments were made and letters finally from XXXX XXXX showing paid as agreed, but with the wrong date of XX/XX/XXXX not XXXX of XXXX. Many months earlier than stated on my letter and still on my credit reports with all three agencies. Lending Club had a collection department handel the charge off and we paid as agreed with again proof and letter from the collection division XXXX XXXX ( XXXX, they have many names they go by ). Please help me get this corrected and share with me how to prove both were paid as agreed and when they asked me to pay not 6 months later as XXXX is stating in the letter from a non disclosed name by email of all places and this was even hard to locate in my emails, did not come up as XXXX, it was from other source. This isn't fair to me paying higher interest rates because companies are not updating my end after they get their money from me.
Product: Debt collection

The company agreed to request the deletion of the account with the credit bureaus after I paid the settlement offer. Instead, they are reporting it as a past-due balance.
Product: Checking or savings account

My compliant is about the account fee unjustifiably charged by Bank of America over the past two years. I had previously requested an account type change from Money Market Savings account to the basic Advantage Savings account. I received the written confirmation dated on XX/XX/XXXX from Bank of America ( see letter attached ). However, despite this confirmation, I have observed a total of over {$200.00} in service fees collected on the basis of the Money Market Savings account from XX/XX/XXXX. Bank of America 's failure to honor the confirmed account change and the ongoing imposition of service fees is distressing. I reached to Bank of America on XX/XX/XXXX about those fees but the company declined to return those erroneously charged fees.
Product: Debt collection

This account appears to be a result of identity theft, as I have never applied for, received, or authorized any service or product related to this debt. I believe that this entry is erroneous and misleading, which negatively impacts my creditworthiness.I request that you conduct a thorough investigation into this matter and take immediate action to remove this fraudulent account from my credit report. As a consumer, I have the right to ensure the accuracy of the information reported about me, and this entry is clearly a violation of that right.

Please confirm the receipt of this complaint and inform me of the actions you will take to address this situation. I can be reached via email at XXXX for any further information you may require. I can send my identification to compare whatever signatures they may have which I am certain is not mine.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Amount {$12000.00} XXXX XXXX XXXX XXXX I.m dispute this amount on my Credit Report and request for this account to be removed ....
Product: Checking or savings account

Wells Fargo charged me with fraudulent overdraft fees XXXX during that time I was getting my payroll check directly deposited into my account biweekly and {$1900.00} deposits weekly my account never overdraft or had a low balance. After some many fraudulent fees I ultimately decided to cut ties with Wells Fargo and bank with someone else
Product: Debt collection

I was a new customer with Equifax - XXXX XXXX. I never recvd a bill, never recvd any mail and never even recvd a phone call. All of a sudden I get a notice in the mail from a collection agency saying I owed almost {$300.00} and my account was in collections. I am a new customer and never recvd anything. I called equifax XX/XX/2018 to try and resolve this issue. This has severely ruined my credit. I am a business owner, now Equifax has ruined my credit. I tried to reach out to them and they even confirmed they did not send mail or make any phone calls. I s/w a manager XXXX XXXX who confirmed nothing was sent. They talked down to me and could not resolve my issue. This has ruined my credit .I never even recvd a monthly statement. This is unacceptable and I do not know how this is ok or how they can even get away with this. I want some kind of resolution. The phone number I s/w them on Telephone : XXXX XXXX. My name is XXXX XXXX with XXXX XXXX, ph # XXXX.
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 XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit card or prepaid card

Netspend has all of the appropriate documentation for my dispute. They closed the dispute, without even looking at evidence provided. I tried my best to go up the chain of command, including contacting the corporate offices. A gentleman at the corporate office spoke to me, he stated that some of the paperwork was received, but not everything I sent. I resent the emails to him, but to no avail. There where 14 emails of documentation submitted, they looked at none of it. 

I explained the the account should have taken a pre-authorization, not the physical money. I also provided copies of the credit card statements showing where the charges went off of my primary card. All this information was ignored as well. I am attaching everything to this complaint, in hopes that they refund my money that is due. This should have been done almost 2 months ago. I should not have to wait an extended period of time, they have the ability to get their money back from the vendor. 

Once again, I was aware they where doing a pre-auth but the money should have posted back to my card. They are allowing me to be charged 2 time. This has also caused me to have my primary mode of transportation put at risk, because them not returning my money has caused me to directly go into default on my auto payments. When I stated I was going to file a complaint, I was threatened that if I did they would block me from their system, close my account, and block me from services. 

I just simply want my money, that I should have well had! Unfortunately the documentation vast to put it all in, it will be re-provided upon request. I have attached the charges from the other company, to contradict the charges by Netspend. My money needs to be refunded urgently, before I lose my truck.
Product: Student loan

I have been working at a not-for-profit mental health agency since I got a XXXX XXXX in Counseling in XXXX. The XXXX XXXX XXXX XXXX XXXX was created in XXXX. Through the years since the PSLF program 's inception, various employees of my loan servicer, MOHELA, told me that I was on track to receive the XXXX XXXX XXXX because I was on an income-based repayment plan. My 10 years of XXXX XXXX for the student loan forgiveness should be up next month XXXX XXXX, XXXX ). However, earlier this year ( or the end of last year ), a MOHELA employee told me that none of those 10 years will count because I have XXXX loans and not Direct loans. Furthermore, I was told that I was XXXX and have been ) ineligible to transfer my loans into Direct Loans because I had consolidated my loans in XXXX or XXXX ( to lock in a lower interest rate ) and that only XXXX consolidation is allowed during the lifetime of the loan. They also let me know that the years before XXXX that I was on Hardship Deferment or forebearance would not count toward the 25 Year XXXX, either. No one had ever told me that. I was very, very angry about all of this- to say the least. 

Then, a few weeks ago, as I was doing my annual income-based renewal via phone with MOHELA, the MOHELA representative told me that I AM ( AND HAVE BEEN ) ELIGIBLE TO CONSOLIDATE MY LOANS INTO A DIRECT LOAN FOR THE PUBLIC SERVICE LOAN FORGIVENESS PROGRAM- EVEN THOUGH I CONSOLIDATED BEFORE. 

So now, even though I did my 10 years in XXXX XXXX for the forgiveness, I am now starting again from scratch. I am in the process of consolidating my student loan into a XXXX XXXX. My {$56000.00} student loan will now accrue interest for another 10 years that I will be responsible for if the program is n't in existence in 10 years or because the information I am given by my loan provider 's employees over the next 10 years is inaccurate again and I am not really eligible for the program. 

Also, I have been informed by MOHELA that, as a result of consolidating into the Direct Loan Program, my years of qualifying payments toward the 25 Year Forgiveness will be erased and reset to XXXX. This means that if I do n't do another 10 years in XXXX XXXX, I will have to do many more additional years of payments to qualify for the 25 Year Forgiveness. My monthly student loan payment will also be higher than it was the past 10 years due to my XXXX dependents becoming adults and leaving the household.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019. Chase Bank informed me that my account was restricted and that they would be closing my account within 7-10 business days. I had an application for a secured credit card with XXXX XXXX XXXX  for the amount of {$200.00}. The application never went through I demanded a refund XX/XX/2019, which I confirmed with a representative from Chase I would receive it in my account before the account closed. Chase decided to close my account and the wire for {$200.00} was sent, I am told by XXXX XXXX XXXX. The problem is Chase is telling me that they never received the wire. Both banks are sending me back to the other. XXXX XXXX XXXX gave me a transaction ID number for the wire and they claim they sent the wire out. Chase claims they cant find the transaction ID number and a wire was never sent to my account. I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is not mine please delete it was fraudently put on inquiry
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have mailed them a letter stating what all my legal info is for them to delete what is not current
Product: Mortgage

Currently my estimated equity is over the required 20 % needed to remove my PMI, I asked my lender to remove it Since we are above the 20 % but they will not, They advised us that is mandatory for the 30 years of the Loan, We need it removed to alleviate the PMI cost of {$390.00} extra per month that will help us mange our Mortgage, Currently we have not been late on payments, but it is getting More difficult due to cost of Living.
Product: Vehicle loan or lease

This has been gong on for yrs and they dont fixed problems showing Lates
Product: Credit card

This is for the HSBC XXXX XXXX Credit card ( website : https : //www.us.hsbc.com/credit-cards/products/elite/ ). 

One of the card 's benefits is : " {$400.00} in Travel Credits. Up to {$400.00} per year for all airfare, hotels and car rentals booked through HSBC Travel. '' The way it supposed to work is for every {$2000.00} in airfare you spend through the HSBC travel website, you get a {$100.00} credit, max {$400.00} a year. 

Well, this year I have spent over {$2000.00} and have not received the {$100.00} credit. It looks like a IT issue on HSBC side as one of the bookings is not reflecting on their website. I got email confirmation from HSBC for the flight and they can check my card statement, but no one is willing to help. I rang twice, they passed me to the Rewards department, and after waiting with the music they hang on me. Then I spoke to an agent about this and raise a complain but no one has come back to me. I feel it's a scam and they don't have any customer service.