23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681 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, 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-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: Checking or savings account

SECU did not satisfy the responsibility of a fiduciary when distributing the required minimum distribution from an IRA account. Funds that should have been distributed for XXXX were not disbursed until XXXX. When SECU discovered the error, the funds were distributed in XX/XX/XXXX long after the federal 1040 and state NC 40 had been filed in XXXX. As a result taxpayers affected by the error must either accept the federal penalty imposed or file any number of forms to explain the issue. Federal and state taxes are impacted by the error but the credit union refuses to assist its members. SECU mailed a " Corrected Notice '', 1099-R with no letter of explanation in XX/XX/XXXX. The local branch manager suggested I " just file an amended return. '' I can not do that without expert guidance.
Product: Student loan

Is it possible to get a history of my student loan consolidation that includes loan numbers, loan types, the funds that were dispersed and the names of the institutions that were paid. It has been frustrating, i have called servicers, lenders, dept of ed, XXXX, numerous times for information. No one seems to have the details. Is there any way I can find this information so I know the loans that i have paid. There are discrepancies between my records and XXXX.
Product: Student loan

XX/XX/year> I have loans with Mohela. I was forced to change to their new loan servicing platform. Before the change I was told via a document they sent : " This change in loan servicing platforms will not impact the existing terms, conditions, interest rates, or available repayment plans of your federal student loans ''. 

However, because of this change to a different platform, all interest I had has now capitalized without my consent. It was almost XXXX XXXX in interest, so this is a big deal, and I obviously do not want this to happen. I just got off the phone with them and am waiting for a call back from a supervisor. The person who was helping me searched and searched for a written reason why this would have happened, and she came up with nothing. It is a mistake and they are not allowed to capitalize my interest just for switching me to a new loan servicing platform. BUT THEY DID. It is criminal.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX dispute started On or about the XXXX of XXXX the dates changed on my dispute. 
Dispute amount totals XXXX I was told from XXXX chime agents I was going to have my money in full on XX/XX/XXXX. On XX/XX/XXXX denial was made for dispute on a technical error was not found. Now went into rebuttal. Denied was the outcome. Rebuttal XXXX started and in XXXX hour denied. Now we are in rebuttal number XXXX. Which I was promised from chime agents that I would have my money in full on the XXXX of XXXX. I am still waiting as request for more Information was asked from chime. Merchant has had me blocked for some time now. I cant get into my account it is blocked. I called merchant no answer. I emailed merchant I got denied from merchant email server. I have no access to anymore information. Inportant tax Information is being held because I am blocked from the merchant. Chime has come to decision to close my account on the XXXX of XXXX. I do not know why. I have emails from merchant saying that money has been reversed back to chime and it never made into my account. Just XXXX was added as a temporary credit which chime reversed on me and making account in the negative. I called many many times and just keep getting the run around. This has caused me nothing but a financial burden. I spoke with my mortgage comply explaining that I wood be paid up to date. I have made myself look like an XXXX once already by saying that to mortgage company. And my funds still havent been out into my account. Chime agents informed me that all calls are recorded. Investigation team should listen to the calls before XX/XX/XXXX and they will be able to hear the promise of my funds being replaced into my account. Thats was all lies. And I was told once again they would be all back in by the XXXX of XXXX. But since its In rebuttal XXXX. The dates keep getting pushed back all the way to XX/XX/24. I am behind on my mortgage now and I feel like I am being taking advantage from chime and merchant. The merchant email state I am to pay them back with cashiers check and if not done I will be placed in collections. Why will chime not reimburse me my money? They have gotten some of it. I dont know where else to go for help. I think this was the right choice. So yea I feel like I am getting the run around from chime and merchant. Cause I am clearly be taking for and being put into collections and I dont have XXXX of my money back.
Product: Debt collection

I have submitted a dispute on XXXX XXXX to this company about this debt. They have completely wrong dates on the account. I have asked for the original contract for the debt. I have never been notified by this company until I saw it on my credit and called them. All that call did was made them change the date on my credit report for no reason. The dates are wrong and everything else about this account is wrong. I was also never notified about the debt. They have never made the attempt to show me what the original debt was or for what.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

I live in XXXX XXXX, the calls come in in the middle of the night. 
I have told them as such and they hang up. This is a recent, since XXXX. 

These calls from Phoenix financial XXXX, XXXX Maryland XXXX XXXX XXXX, Maryland, XXXX, XXXX Maryland, XXXX XXXX, Maryland, XXXX XXXX  XXXX, Maryland, on caller Id . will hang up once I try to handle their problem. 

I ask pointed questions about the false claim to collect some mystery debt and then they hang up on the phone, when I try to investigate where this alleged debt comes from. which leave me powerless to clear this mystery debt up. 

So I have no idea what unsustained debt they claim to be collecting on. Furthermore I have not lived on the East Coast of the USA for 6 years. I have lived a debt free life since XXXX. I have been a XXXX XXXX XXXX, and the last two residences I have owned and lived in for 25 years has been mortgage free : paid cash in-full. I pay cash for my homes and vehicle since XXXX. I pay my credit card balance off every month since XXXX. I carried a balance and paid interest on my credit cards from XXXX to XXXX to finance, while working and attending XXXX XXXX, to pay for my wedding. 

What ever the alleged debt is I am not being proved with information too dispense of it. I get theses calls to collect, and not manage. From where I sit, I am not being provided with any information on the claims to address and rectify. Phoenix Financial only has an interest in collecting a mystery debt. 

These calls started to come into my phone XXXX. AS I have previously stated I have not live in XXXX Maryland for 6 years+ years, specifically I departed XXXX Maryland XX/XX/XXXX, and only kept a non resident presence in XXXX Maryland unto XX/XX/XXXX. I also have been living in XXXX, XXXX XXXX, XXXX for 3 years. 

Thank You. 
XXXX XXXX
Product: Debt collection

Son received phone call to his cell phone looking for me. I was informed to contact XXXX XXXX about an outstanding debt. XXXX informed me that I owe a debt from 1985 from XXXX XXXX XXXX in the amount of {$2000.00} plus $ XXXX+ in fees and penalties. She had my full Social Security number and read it back to me over the phone. I was told that if I did not pay this now, I would face arrest and I would be met with my wages being garnished and property will be seized.
Product: Mortgage

I filed a complaint recently but I am unable to locate it so I am submitting it again. I got behind in payments when I went on XXXX and I submitted an application to my servicer for loan mitigation, but they called me last Monday and told me I did n't qualify for anything they could offer me. I do n't believe there is nothing I qualify for, because I have read about forclosure assistance programs for those on XXXX or unemployment and that it is unlawful to discriminate against someone who 's income is from government assistance. I have owned this house since 1998 and I truly want to keep my home. When they spoke to me on Monday they said they had sent me a letter but I have not received it yet. It 's not that I do n't trust them. It 's that I do n't trust them. I do n't want to find out that I 've missed an important deadline because I never received the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my mortgage with XXXX XXXX XXXX for over two years. During that time I never paid late. My loan was recently transferred to XXXX in XX/XX/2022. The process was very confusing and I received little notice. I ended up paying my XXXX mortgage late according to XXXX. However, I expressed to them how confusing their website was along with their app and was rest assured that because of the transfer there would be leniency. They ended up reporting me late although I was told by law I have a 90-120 day leniency for credit reporting during the transfer process from XXXX to XXXX. They reported me on the 31st day! I tried to dispute with the credit agency and got nowhere. XXXX would not help either. This has damaged my credit severely and has stopped me from pursuing financial prospects. I have worked very hard for the last 3 years to build my credit up and would appreciate a further investigation into this matter. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very responsible with my credit, I have XXXX worth of it I pay my credit off every month I use sometimes more and sometimes less, but always use it and always pay it off, I make 3 or 4 payments a month on a average to make sure its fully paid.experian has been quite harassing, to the point of closing accounts on my credit report that were clearly open, I get a email telling me congratulations on a 8 month streak of paying off your accounts in full, I check and they dropped my score another 10 points, I am a XXXX American conservative and feel as if I've been intentionally discriminated against, my score has gone from a XXXX to XXXX for paying my accounts off every month and making multiple payments a month on these accounts.i have spoke to my lawyer and may possibly file a separate lawsuit, this is un-American XXXX is my experian customer account number
Product: Checking or savings account

My payroll direct deposit has not hit my account & is not available to me today XX/XX/XXXX as it should be. Im filing a complaint with the CFBP regarding Capital Ones failure to deposit my direct deposit from my employer and any other deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. 
Thank you
Product: Credit card

On XX/XX/2023 on my citicash card ending in XXXX I disputed a charge from an XXXX for {$190.00} from XXXX. 

At the XXXX XXXX XXXX I had called an XXXX and gave them my Citi XXXX number I was not in XXXX When I went to the XXXX stand there was no XXXX which I had called and no message from an XXXX driver. 

When I received my statement there were two charges for {$190.00} from the XXXX XXXX. I talked to XXXX at Citi on XX/XX/XXXX at XXXX XXXX  He said because I was a valued customer he would remove {$180.00} When I called next morning to pay my {$710.00} Citi bill the {$180.00} had not been removed Also XXXX said he had emailed me a letter about protesting the second XXXX {$190.00} charge as I had not received the original letter sent to me. From XXXX XXXX  on XX/XX/XXXX I talked with three or four reps from XXXX and XXXX until XXXX XXXX  mostly waiting on hold.. 

I told them I had memorized the card ending in XXXX and wanted to keep that credit card number. Also I did not want the hassle of calling ten companies to tell them because of a disputed charge I had to give them a new autopay CC number. 

XXXX the US supervisor who I got to after an hour took 15 minutes and removed the second {$190.00} XXXX charge and tried to help me keep the XXXX number I memorized, I am XXXX XXXX XXXX by the way. but he would have to go through fraud and I would have to get a new card to memorize and call the ten companies i have on autopay. After waiting another XXXX XXXX i got to Fraud in XXXX and they hung up on me. 

I am asking for the XXXX card to be reinstated and the removal of both {$190.00} XXXX charges I have disputed I spend {$100000.00} a year on credit cards and have an XXXX to XXXX credit score so I am worth keeping as a customer and having my request heard. 

Thank you XXXX XXXX PS I dont have these problems with XXXX
Product: Debt collection

this company first obtain my credit report with out my authorization and now put a collection on my report that affect me to get a mortgage loan in the one i working for so long to have and i do not recognize this company
Product: Debt collection

They are trying to pend me to a debt that is not mine I had them send me a copy of document to prove it is me that they have. The signature if not even correct also haven't lived in that address in like XXXX I have a reason to believe its an ex friend of mine that has added me who ether works there or just decided to add me. I have no relationship with the company what so ever!
Product: Debt collection

They will not allow me to speak with them. I identify the information on the notice i received in the mail. When they acknowledge it is me on the phone and then ask me for my DOB and XXXX which i do not need to disclose to these people. I never signed a contract with this company and I do not know who they are. 


While working with PayPal and Synchrony bank. I was unable to resolve major issues like my card being fraudulently charged and my account actually being compromised. 

I have no used their services since I was compromised. PayPal refused to speak with my along with Synchrony who referred me back to PayPal. 

I am being scammed by these two companies. 

If I CALL THEIR NUMBER IM REQUIRED TO SHARE THIS ALARMING INFORMATION Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aqua Finance open an account in my name without my consent using false information. I never authorized Aqua Finance to pull my credit nor did I sign a contract. The information listed on the contract is not correct. They listed my military rank and salary wrong on the application and I never signed the contract. I have reached out to them on several occasions to have this information remove off my credit report. I contact a XXXX XXXX on XX/XX/XXXX about my credit been pulled and she couldn't locate my account but told me to call XXXX Ext XXXX. I was told if I filed a police report this would remove the account off my report. I filed a police report Case # XXXX and sent this information over and the report is still showing on my credit causing my score to decrease. The electronic signature was not done by me and I never spoke with a representative or the person listed XXXX XXXX, about pulling my credit or trying to establish credit for me. I have been working on my credit and I wouldn't allow someone to pull just my credit. On the contract XXXX XXXX listed my military rank as an XXXX XXXX  and I'm an XXXX XXXX  He listed my gross salary at {$5000.00} which is also incorrect. I would never claim to be of rank that I haven't earned in the military that's a frown on my Integrity. Also, I joined the military XX/XX/XXXX and XXXX XXXX show on this contract that I've served for 18 years. XXXX XXXX listed my husband as Retired military and gross salary XXXX. My husband has never served in the military. He's received SSI monthly. On the contract he listed him as XXXX XXXX XXXX and my husband doesn't have a middle initial. All this Information is incorrect and XXXX XXXX never spoke with me about my military career, salary or if he was authorized to pull my credit. The signature on the contract wasn't signed by me and I had no knowledge of this account until I received an alert that my credit was pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

OH MY XXXX GUYS WHY YOU PUT THIS INFORMATION ON MY ACCOUNT? I HAVE NO IDEA WHERE IR COME FROM I NEVER USE ANY OF THESE. IM SURE THAT SOMEONE HACKED MY PERSONAL INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

My experian, XXXX and XXXX is reporting a bankruptcy on my credit report when the court said they do not report to the credit bureau. I asked the credit bureaus to remove it from my credit report and they validated that it was me but it was no way to validate it with the court which means it needs to be removed from my credit report. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

As a result of hurricane Harvey in XXXX of XXXX my home was flooded. I received a FEMA check of {$93000.00} made payable to me and XXXX XXXX company. My home repairs were 100 % completed in XXXX, XXXX. XXXXXXXX XXXX home inspector approved the repairs. XXXX 's financial interest is secured and I am entitled to the return of my insurance settlement. After months of delays the Loss Draft department finally approved the disbursement of my funds on XX/XX/XXXX. On XX/XX/XXXX they rejected my claim, again. The reason given was that the amount of my insurance check is " too big '' and they were going to " delay '' disbursing my funds until the Loss Draft manager can do another " review ''. 
Trying to reason with the people at XXXXXXXX XXXX Loss Draft has been frustrating and unproductive. I need assistance in recovering my insurance settlement. I am also filing complaints with other state and federal agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXXXXXX XXXX  Account # 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, credit repair services, or other personal consumer reports

57 Inquiries on my report. I did not authorize most of the inquiries and want them removed please.
Product: Debt collection

Synchrony Bank calls me at least 6 times a day, on average, attempting to collect on my past due credit card account. When I answer their calls, they disconnect without saying anything at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00}