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

Capital One Bank is having a significant issue with its ACH feature and my direct deposit is not available. It's been over XXXXhours and no resolution is available. We're approaching the XXXX holiday and banks will be closed on Monday and I can't get a straight answer and my calls are being routed to a call center in SE Asia. In addition, I have a XXXX XXXX XXXX and have been locked out of my online access due to logging in more than XXXX. The media is not saying anything. It could be a country like Russia or China disrupting the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjust XX/XX/22 XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please take immediate steps to remove the fraudulent inquiries from my credit report, as they were not approved by me and are causing me significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account XXXX XXXX : # XXXX Account U S DEPT OF EDXXXX : # XXXX Account U S DEPT OF EDXXXX : # 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 an 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: Student loan

Subject : Re : XXXX Case # XXXX - Updated Loan Balance Information ( See Attachment XXXX for background information ) To Whom It May Concern, Thank you for your recent correspondence regarding my Federal Direct Student Loans serviced by MOHELA. 

I would like to bring to your attention that my total balance has changed from approximately {$210000.00} to approximately {$210000.00} since our last communication. This change makes it challenging to provide the documentation reflecting the approximately {$9000.00} outstanding interest. Additionally, it appears that MOHELA did not retain all relevant documentation from the previous portal, which is now decommissioned. 
As noted in your records, I acknowledge the outstanding interest amount of {$5500.00}. This figure includes the initial outstanding interest of {$3300.00} accrued since XX/XX/XXXX. However, I would like to highlight that correspondence I received indicated that from XX/XX/XXXX, to XX/XX/XXXX, no interest would accrue on my loans ( see Attachment 2, Page 3 under Section " Good to Know '' ). 

Since XX/XX/XXXX, a federal court issued a stay preventing the Department of Education from operating the Saving on a Valuable Education ( SAVE ) Plan. As a result, I am currently in forbearance because my servicer is unable to bill me at the amount required by the court order, which also prohibits the Department from offering the SAVE Plan during ongoing litigation. During this forbearance, borrowers are not required to make payments, and no interest should accrue. However, I have taken three different screenshots ( see Attachment XXXX ) showing that my interest has still been accruing since being placed in forbearance and has then reversed, making it much more difficult to understand MOHELAs decision making processes. 

Additionally, many borrowers have recently complained about these interest rate issues online ( see Attachment XXXX ), indicating that this is indeed a widespread problem. With that being said, I believe I should at least have the right to have the outstanding interest of {$5500.00} removed, given that this issue occurred before XX/XX/XXXX. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you. 

Sincerely, XXXX
Product: Debt collection

Requested Deville Asset Management to verify debt they sent me someone else 's private information. I requested the company respond within 30-days but there was no response. Since there was no response I contacted company in attempt to discuss previous sent lettter. The representative answered the line and immediately became very defensive with his words and would not let me speak. He refused to listen to any thing I was stating. He said my phone call was a waist of time and that he was not removing debt and I can notify anyone I want because he didn't care. After he finished I asked if I could speak to someone else because he's too defensive. He said no. He was very rude and unprofessional from the start of the conversation. 

Why is he so defensive? when they sent me the incorrect information. They exposed someone's private information to me. 

And yes they should be held accountable.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Attached you will find information Ive identified on my credit report that needs to be deleted from your records immediately.
Product: Debt collection

Several requests for Debt validation were submitted with the last request being on XX/XX/year> via certified mail. To date, there has been no response.
Product: Mortgage

On XXXX I was contacted by Quicken loans to do a refi on my new mortgage under the guise of saving me money on a monthly basis. The rep at that time stated that they were able to do an interest rate of 2.25 % with XXXX down. I said that sounds good but I need to think about it and requested the information in writing. The rep then emailed me the requested documentation with the loan information. The rep called back on XXXX and reverified the terms of the loan would be 2.25 with XXXX down, stating that my credit pull was needed in order to lock in the rate. I agreed with that specific promise of those terms. THe rep performed the credit pull and began to ready the load. The rep then returned to the call stating that the market had shifted slightly and the closing cost would be higher at XXXX. He stated that he wanted to wait a few days to get the closing cost back down and I agreed. He never called back, I left two voicemails for him and my calls went unanswered. In the interim another rep called me again stating that they could do a refi as if I never talked to the first rep. He then stated that it would be 2.5 with XXXX down and I advised thats not what I was told before. He said the 2.25 would be over 2000. I asked for a supervisor and he said one would call me back. I never heard back from a supervisor. I reached out to a personal contact in the compliance dept. who had a team member call me on XXXX she escalated the matter saying they could remove the credit pull. On XXXX I spoke with a XXXX who presented himself as a supervisor. He stated he would review and get back to me next day. He called on XXXX stating that the best he could do would be 2.75 with XXXX down. I advised this was unacceptable when I was guaranteed a rate of 2.25 with XXXX down which is the only reason I allowed my credit to be run. We disconnected our call. On XXXX I received a call from a XXXX with Quicken who again said he was calling to save me money and do a refi. He stated he could do 2.75 with XXXX Down. I advised him this was different from what was stated just last night at XXXX. He then stated we should look at conventional. He said he wanted to pull my credit to which I stated he was not allowed to do as they had already done so on XXXX. The rep did so anyway with me being immediately alerted that it was pulled. I questioned him to which he lies stating he did not do it. I disconnected the call. I was then called by a director stating he could do a different deal I told him this is crazy that they keep making up numbers and not honoring their original deal. I then received mail from quicken on XXXX stating that it was loan paperwork from XXXX with an interest rate of 2.25 % and XXXX due at closing. Quicken has now run my credit twice once to my detriment and the second without authorization. They have not honored their terms and have only proceeded by giving false information to drive a sale.
Product: Student loan

My complaint surrounds the now know predatory practices of XXXX XXXX XXXX. My duration of school was from XXXX - XXXX. I sought out XXXX for the XXXX XXXX and XXXX program. While I was fresh out of XXXX XXXX, they made sales pitches to me stating federal/private loans would guarantee my future. I would be placed with a well paying job right out of school and my loans would only help my future by improving my credit lines. From the application paper work to the application for federal/private aid through student loans, this was all facilitated through a rubber stamp type action, much like we saw on home mortgages. I fought every step of the way to gain an education which I thought I had paid for and ultimately left me without work and the ability to repay my loans. As the schools have no closed and previous lawsuit, much like the CFPB in Case No. XXXX are the exact situations I faced. There was no truth in lending and I have n't been able to obtain assistance from Navient, my loan servicer. I would appreciate the assistance and guidance to have these loans discharged, both federal and private loans.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA Fair Credit Report ACT. XXXX, XXXX, XXXX has failed to provide me with an Investigative Consumer Report section 15 USC 1681a ( e ) for each erroneous items located on my consumer report ; " XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've submitted an FTC complaint for each company detailing the Identity Theft of Furnishing my personal information without permissible purpose 15 USC 1681b. 

I request an investigative report to determine the accuracy of these accounts. Which was never received. If not received, these needs to be remove pronto.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamation of character along with 60 days of no response.
Product: Debt collection

This phone number- ( XXXX ) XXXX will call atleast 1-2 times a week. I will answer the call, say hello, nothing, no background noise, no sound from whomever it is on the other line and then they hang up. EVERYTIME. 

Today ( XX/XX/XXXX ) I decided to call back. I asked why they constantly call me and never say hello and hang up. Her response was that it was a Robo call and they can not control it. 

This was unacceptable. I asked for a manager his name was XXXX XXXX. He was rude to me, brash and tried to trick me into confirming my identity. 

I decided to research the company and there are numerous complaints against this company. 

I do not feel comfortable providing my name to a company that can not be professional when they call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a customer reporting agency can not fumish a account with out my written instructions
Product: Credit reporting or other personal consumer reports

To whom it may concern, I had a XXXX card which i had closed in XXXX. They had agreed to remove this account from my credit reporting profile as long as I paid in full which i did. For some reason they never did this. I recently tried to call in XX/XX/XXXX they said they would remove it and stilll have not done so.
Product: Mortgage

The purpose of this complaint is to voice my concern over an allege fraudulent account that may have been opened in my name. 

Additionally, I have had a mortgage account with Wells Fargo for over 20 years. Just recently I experienced several set-backs with my finances and asked them to work with me in a possible " loan modification ''. Wells Fargo refused and requested that I seek out other Government Agencies for help. Since I have been a loyal customer with Wells Fargo, I want your office to intervene in processing my request for assistance in paying my past due mortgage payment.
Product: Vehicle loan or lease

I was told by US Bank XXXX that I qualify for early lease turn in, XXXX. I called and spoke to a person at the US Bank XXXX XXXX department. He went over that I qualified for the early lease turn in. The agreement that the vehicle would be picked up at my residence, the remaining lease payments would be waived, and I would receive XXXX payments within 60 days after the vehicle was taken. I thought about it and called back the beginning of XXXX and agreed to this. I asked if I would be charged a payment once I agreed and they said no. I asked several times if I would be charged and he said no. I made Auto payments for almost 3 years and the auto pay can not be turned off online by me, so the person I asked would have had to turn it off. The auction company called and told me a person would be calling me to pick up the vehicle at my house. XXXX at XXXX XXXX called and we set it up for pick up and I told him I would meet at XXXX so it would be easier for them to load the car. After XXXX cancelations on their end, a driver called on the XXXX of XXXX and I met him at XXXX. I saw on my banking statement on the XXXX of XXXX, US Bank charged me. I was not expecting that since I already purchased another vehicle, still had insurance on the truck even after it was picked up. I called US bank back asking for the refund on that payment. They said that was unfortunate, but I would have to wait 60 days. I stated I though that was 60 days for the XXXX payments, but I was not expecting the XXXX. I called back a total of XXXX more times and on Friday the XXXX I spoke with someone, and they put me through to a manager. Her name was XXXX and she said she was escalating this, and she agreed I should get that payment sooner. She said the service person reading me the agreement should have turned off the auto pay on their end. She said she was going to submit the ticket and call me back Monday. She also said if I didn't get it resolved on US Banks end to dispute with my bank. No call on Monday, but I called back on Tuesday XX/XX/XXXX and the person who I spoke with read notes that I was XXXX receive XXXX payments in 60 days after the sale of the truck at auction. She never said anything about what XXXX said and also said she never heard of this person. I went ahead and disputed with XXXX ( my bank ). I feel this has been happening a lot with US Bank XXXX and after reading reviews from other people, US bank should be accountable. I've made auto payments for almost 3 years ; I was never late. They made money off me and sold the truck for a profit. If I was late, I would have had to pay late charges and interest. I feel they made an offer for the early lease turn in, they should abide as agreed.
Product: Credit reporting or other personal consumer reports

I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION ON MY REPORT.
Product: Bank account or service

I had my debit card information stolen from me on XXXX XXXX, 2016. I had XXXX fraudulent charges made on my account. Charge XXXX : {$48.00} - XXXX XXXX. Charge XXXX : {$500.00} - ATM. Charge XXXX : {$500.00} - ATM. I have been a customer of Chase for 16 years & have never taken {$500.00} out from an ATM. They have refunded the {$48.00} charge & agreed it was fraudulent but they say the XXXX {$500.00} charges are correct and wo n't refund them. They wo n't even look at the video footage from the atm. It happened at XXXX XXXX XXXX, XXXX, Terminal XXXX at XXXX & XXXX. They say because of the chip in the card, it is impossible. If the video footage shows me, I will pay the {$1000.00}. But it wo n't show me. I had the police officer who took my report call the bank and request the footage and got no where. Why would Chase refund XXXX of the fraudulent charges but not all XXXX? I made a police report with the XXXX Police : XXXX XXXX # XXXX Report : XXXX. XXXX Police Report : XXXX. Both departments said they would n't investigate the issue. Every time I call Chase, they tell me a different set of instructions to follow to get the video footage. Most Chase employees told me I would need to get a subpoena to get the footage, which the police said I would n't be able to get. Why would Chase treat a customer of 16 years like this? I have also just received a letter from Chase telling me to pay the money back or they will close my account and report the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 8 accounts and inquiries that I did not authorize
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
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 XXXX XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX, Account XXXX XXXX : # XXXX, Account XXXX  : # XXXX, Account XXXX XXXX XXXX XXXX  : # XXXX, Account XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : XXXX XXXX XXXX, Account XXXX XXXX XXXX : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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: Credit reporting or other personal consumer reports

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial XXXX, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, and I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the account listed below to be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX & XXXX XXXX XXXX : XXXX XXXX XXXX Accept : XXXX