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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

To whom this concerns, Good afternoon, my name is XXXX XXXX and I have been looking into my credit a little closer recently and have noticed quite a few items that do not appear right. I have been wondering why I have been getting denied any kind of credit and it has really taken a strain and hardship on my life. Please if you could take a look into this matter for me. I have tried disputing before and no one really seems to care. Thank you for your time. 
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. 
MOHELA Account # XXXX in the XXXX {$2400.00}. MOHELA Account # XXXX in the XXXX {$6900.00}. MOHELA Account # XXXX in the XXXX $ {$3800.00}. MOHELA Account # XXXX in the XXXX {$1300.00}. Aidvantage and Mohela Has violated my rights. When attending XXXX XXXX  I was not notified at the time they there were going out of business in XXXX XXXX. I took a break due to physical disabilities issues and then XXXX XXXX happened and I wanted to return to college to find out the school went out of business. The debt since is almost 10 years old. So I spoke with Mohela which has now turned over my debt to ADVS Services and both parties that I spoke to told me the loan would be discharged under the debt forgiveness program as a closed college situation and also the 10 year length of time the account has been open. I feel they are purposely trying to hurt my well being and I want this taken care of please.

15 U.S.C. 16815-2 ( 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.

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 fumish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Let me first begin to tell that the loans were already written off and then reapplied in XXXX of this year. XXXX was closed because of Fraudulent activity by the United States Government for over charging there students as a student we had the opportunity to have that erased and that is what i did. This had already been erased and the way i found out that it was reistablished was that i went for a car loan recently and found out that my student debts were reapplied. So that you are aware i wrote the United States Supreme Court not just in regards to these loans but because of dealings with a debt collector who was hired to not only collects debts from me following an accident that i am the victim of but i am also the witness who can provide information that will prove that the death of a co worker was not an accident and could of been prevented. The debt collector in question here is XXXX and XXXX XXXX, they not only broke the Right To Fair Debt Practice but also violated my financial privacy and continues to do so for 5 years. The XXXX 's have also broken several communication laws including computer and cell phone fraud and this has been reported to police however since i have information as a witness to that accident XXXX XXXX Police and other local law enforcement agencies and First responders have instead harassed me. An officer failed in doing his job as did the company and it's employees and previous managers and i have knowledge of the cover up. XXXX XXXX was negligently XXXX  because of money and greed. I am the person who attempted to save his life and took the driver home that night who did not possess a license to drive a truck. I am being told that because the DOT is involved as well that i am being extorted. Bass collection agency took {$230.00} out of my monthly check without contact. 

XXXX XXXX was given a note from my doctor which they asked for. I needed to notify them within a week of my signing up for classes which i did to let them know that i would not be attending that semester due to symptoms of XXXX. This is not about collecting a debt this is about oppression and trying to keep covering up a crime that needs to be brought to light. A former supervisor XXXX XXXX is still harassing me because i know for a Fact that due to his budget restraints that the building was not up to code and if it had been XXXX would have not lost his life. I was on the safety committee. The city attorney for XXXX XXXX is failing in doing his job and it is my goal to see this through. XXXX XXXX put a device inside my XXXX vehicle that had military software and it violated my 4th amendment rights and because they got busted with this ( i took a photo of it ) i am a constantly harassed by faceless XXXX. I am providing you a copy of the documentation given to the United States Supreme Court and the evidence that i have of what a cloned device looks like and how can catch the XXXX ( The XXXX and member of XXXX XXXX School District ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I was getting emails from my credit monitoring services regarding new inquiries that I never authorized. I tried resolving this with the bureaus directly but they were all giving me such a hard time. I decided to take the matters into my own hands and submit an ID Theft report XXXX # XXXX XXXX These bureaus aren't doing their jobs and it is unfair that they seem to push my issue t the side or have me go through extra precautions for something that they can simply help me with. Please help me get these inquiries removed from my credit report before this gets any worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous complain number XXXX. Submitted to the CFPB on X/5/2017, where I was concerned about my account being reported as delinquent, your response was : After reviewing your complaint, our records show the information you disputed, late payments on XXXX # XXXX does not currently appear on your TransUnion credit report. In order to protect your privacy, we will mail a copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX Monday-Friday, XXXX XXXX  XXXX XXXX ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. After reviewing my credit report and had provided enough documentation supporting my case, I regret to let you know my credit file is reporting negative information in regard this account. As I stated on my previous dispute a management-consoling program has been making payments since last year and theyre managing my payments. My account is reporting unknown payment status for XXXX 2017 and as you may know this is impossible ( supporting documents state it ), therefore is hurting my credit report. So, Im kindly requesting an update to my file. Thank you
Product: Mortgage

XX/XX/2022 we made a payment of {$3200.00}. THey did not apply our payment to our loan at all! they put this entire balance toward " unapplied funds '' - apparently there was an adjustment made to our payments owed whcih did not show or appear anyhwere on our app that we used to pay. We paid exactly what they ( TD bank ) requested. To our dismay we later received notification that there was an addtiional amount due of {$32.00}. 
We had no idea that not only had our payment not been applied but that the account was also short {$32.00}! Not too long thereafter I find my scores had dropped over 100 points. I called and argued my case and no one helped at all. All they did was say write a letter. I've written mulitple and this seems to continue to fall in the wrong hands. 


Not only has TD bank not repsonded to me- they responded to my husband when I wrote to them! They refuse to take responsibility for their mistakes. We paid what we were told was due. We should not be punished for their miscalculation
Product: Vehicle loan or lease

We returned Lease of 2016 XXXX XXXX on XX/XX/2019 ( Due XX/XX/2019 ) Account # XXXX XXXX XXXX. Then received an invoice for {$2700.00} In XXXX. Immediately responded stating that the first 8,000 miles were used as Demo Car Mileage and Wear and Tear. We received no reply to 4 separate letters sent to Nissan Motor Acceptance Corporation ( NMAC ). Now we are receiving letters from XXXX XXXX which is a collection agency for NMAC! In our 4th letter to NMAC they accepted and cashed a check in the amount of {$1300.00} with no reply to correspondence attached to the check. Our credit has been hit, or will be, because of the status with NMAC and we find it very unprofessional that we have not received a reply to same. We feel this act was an illegal manipulation to extort money from us.
Product: Credit reporting, credit repair services, or other personal consumer reports

under 15 USC 1681 the credit bureaus are filing incorrect I am trying to buy a house and its defamation to my character and livelihood. 
XXXX XXXX XXXX XX/XX/XXXX is identity theft it even has another name XXXX XXXX a male XXXX XXXX XXXX XX/XX/XXXX Caine Weiner XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX mulitple inquires from car dealers that I have not even requested and I have even hired XXXX XXXX XXXX to assist and it is still damaging my credit XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

I just feel most times if my account is low they charge me high over drafts fee a lot of times wave more often I had account with them for more than 3 years
Product: Credit card or prepaid card

I make timely payments only to be charged late fees and assessed more interest on my account. I contacted them and they responded advising me to pay at their local store. 
XX/XX/2023 XXXX XXXX OH {$91.00} XX/XX/2023 PAYMENT - THANK YOU - {$300.00} XX/XX/2023 XXXX XXXX OH {$28.00} XX/XX/2023 Interest Charge On Purchases {$110.00} XX/XX/2023 PAYMENT - THANK YOU - {$200.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$110.00} XX/XX/2023 PAYMENT - THANK YOU - {$270.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 PAYMENT - THANK YOU - {$100.00} XX/XX/2023 Interest Charge On Purchases {$110.00} XX/XX/2023 LATE FEE {$30.00} XX/XX/2023 PAYMENT - THANK YOU - {$200.00} XX/XX/2023 XXXX XXXX OH {$42.00} XX/XX/2023 XXXX  XXXX OH CREDIT
Product: Credit card

Booked cruise with another couple on XXXX cruise, both used AA card from CITI. 
Charges of {$9900.00}, in XX/XX/year>, and paid in full. Both couples requested credit. CITI paid couple # XXXX in full with reimbursement. Couple # XXXX has been denied credit reimbursement twice, after providing all requested information on XXXX occasions. Denial was appealed, and denied again XXXX. 
CITI claim # D XXXX
Product: Payday loan, title loan, or personal loan

As of late XX/XX/2018, the Advance Financial company, a payday lender headquartered in XXXX, Tennessee, was notified in writing of my revocation of the ACH for automatic debit withdrawals from my bank account. Over the period after which such notice was provided, three separate payments, amounting in total to {$250.00}, have been deducted from my account. I have contacted AF in order to request that these charges be reversed, yet no restitution has been provided as of this writing. Attempts to verify the receipt of and commitment to honor the ACH revocation with the AF legal department have been unsuccessful.
Product: Mortgage

I originated a loan with Quicken Loans in the spring of 2014. At that time I elected to pay my own taxes and insurance and for go a ESCROW account. Last year, I paid my property taxes one business day before it was due to the City of XXXX. I was assessed a late few. I called the City and gave them the transaction number and the operator told me it would be removed. I never received any further correspondence from XXXX City. I called in and they confirmed that the late fee removal is being handled under confirmation number XXXX. 

I received a notification from Quicken Loans regarding a shortage in my escrow account, which doesn't existing as I have never held. I explained to the operator the situation and that I would be paying my taxes on time as I did since 2014. I then paid my property taxes online. I later learned that Quicken Loans just went ahead and paid my property taxes for me with my approval, which resulted in a double payment. Additionally, according to the " Resolution Advocate '' at Quicken, they use a 3rd party name XXXX to track this payment. I did not authorize this and was never made aware of it until today. 

I was notified that my mortgage would go up {$710.00} ( see statement ) because of this issue. I simply cant afford my mortgage nearly doubling to no fault of my own. Additionally, {$710.00} per month is significantly higher than required to pay my property taxes ( see  attached ) .I have discontinued the autodrafting on my account until this matter is resolved.
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 XXXX 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 on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX BANK XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX BANK on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX 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: Bank account or service

I make an ATM deposit every 2 weeks or so at my local chase bank. Included in that deposit is my husbands paycheck. When he forgets to endorse it, I do. I have been depositing the checks for years with no problems. Chase has changed their ATM system and now each time I try to complete a deposit I get a screen that says a " customer service representative will be with you to go over your deposit. ". Then I have to search someone down who is not busy to continue my deposit. This usually takes between 5-10 minutes. Last week, I found an employee who left her office and looked over my deposit. She said " did you endorse these checks? '' I told her " yes ''. She said she could n't accept my husbands pay check. I told her I had been depositing this same check for 30 years with no problems. I did not want cash back I just wanted to make my deposit. By this time I was there 15 minutes for a transaction that should have taken 3 minutes. I was fed up since it was the 3rd time in a row that I had to wait to complete my deposit. I told her how I felt and that I wanted to close my account. She said Fine. I followed her to her office where she proceeded to close my savings and checking account. She took my debit card and came back with a check.. The total of my check was {$87000.00}. At no time did she call over a manager or offer my other solutions to my problem. I told her that I thought it odd that she would just hand over this much money without making any effort to retain me as a custumer. She told me she had made a note of my complaint when entering my info in her computer. With that, I left. I opened a new account the next day at XXXX XXXX. Though I do not want to bank with them anymore, I just wanted a record of how thoughtlessly I was treated that day.
Product: Checking or savings account

Customer service was contacted about a pending, unauthorized debit to my account. The company claims the funds would be released on XX/XX/2022. 

The funds did not get released. The screenshots taken from the companies app clearly show the release date of XX/XX/2022. Upon contact, they have changed that date until 16 days after the transaction was debit from my account. 

The company is lying, and misleading customers. They have applied, and not received a banking charter in the United States.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had Charged off status on an account that was linked to another positive account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. this account must be fixed : XXXX XXXX Balance Owed : {$1600.00}
Product: Student loan

In XXXX 2017 I sent FedLoan Servicing the requested paperwork to re-certify my Income Based Repayment Plan. I received emails from them stating they received my documentation, and then another email saying they needed extra time to process my paperwork. I never heard from them again and in XXXX 2017 I was billed the monthly payment for the Standard Repayment plan ( over {$2000.00} ) which I can not afford. I re-filled out another IBR request, received confirmation they received my materials, and have not received any other documentation from them. Currently my loans are listed as " in forbearance '' (?!?!?! ) and I will be billed ANOTHER {$2000.00} in six days. I do not have this money!!!! I have done nothing wrong, I have complied with the IBR re-certification rules, and I 'm not getting ANY communication or information from FedLoan Servicing about what happened to my applications or why I am in forbearance. It is worth noting, in XXXX 2017 I applied for consolidation after learning I might be eligible. I cancelled the request after learning I would lose years ' worth of PILF-focused IBR payments. I cancelled the consolidation request in early XXXX and received confirmation of the cancellation. A couple weeks later I got notification that my consolidation applicatoin was almost complete! I had to cancel it a SECOND time on XXXX XXXX, 2017. At this time I do not want to consolidate my loans. All I want is my IBR/RE-PAYE to be re-certified with my updated income and family size and to continue paying my loans and working towards PILF.
Product: Credit card

I have asked for information to verify the interest should be that high and Im making on time payments
Product: Payday loan, title loan, or personal loan

Id ask Ally lending to send me a copy of the loan application they put in a request for the application according to Ally lending, that would take 7 to 10 days according to them when I got in touch with them after the 10 days they said that they didnt have that information
Product: Checking or savings account

We received several emails from Synchrony Bank on XX/XX/2019 about trial deposits being made and action needed on my application. Since we did not apply for any accounts or attempt to link any accounts we tried to access our accounts via the banks app and website without success. We attempted to contact them through support email, chat and at least six phone numbers. Chat was down, ALL phone numbers reported being disconnected and we did not receive any email response. It appears to customers that Synchrony Bank has been hacked and is no longer in business. What is going on and why have they not issued any information to their customers?
Product: Debt collection

Ive requested debt validation, the original contract with the original creditor, and a 1099-C from original creditor since they charged off my account, and received no response. Lack of communication from the attorney despite multiple voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have included a letter to each of the 3 major bureaus involved in this complaint. They have all been complicit with the companies reporting in my credit files in violating law by not providing me with verified PROOF of the accounts validity. I have been monitoring my credit for months now and XXXX, TransUnion, and XXXX have simply taken companies words that the accounts are supposedly mine, verified, and valid instead of providing signed proof that they are. This opens the floodgates to false accounts just sitting on peoples credit reports! Reps from these bureaus will even tell you that they arent required to give proof, as if that makes sense. Seriously? That is completely absurd. Essentially, XXXX, XXXX, and TransUnion are all claiming that truly unverified, invalidated accounts are " valid '', " reporting correctly '', " mine '', and " verified ''. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my actual signature. They have not done that -- and remember, it has been MONTHS of them refusing to do their due diligence. By the way, there is an account that I have made note of in the attached letters that is reporting twice under two different namesXXXX XXXX ( who illegally put a false judgment on my public record ) and XXXX XXXX XXXX. Complaints will also be filed against these two as well.
Product: Debt collection

On XX/XX/XXXX I received an notice from Phoenix Financial Services that I owe {$46.00} for an unpaid medical bill from XXXX XXXX XXXX XXXX for services provided on XX/XX/XXXX. I called XXXX XXXX XXXX ( location where all services were rendered and the organization that billed for the services performed by XXXX XXXX XXXX XXXX ) and they notified me that the amount I was responsible for, {$210.00}, covered all expenses by all parties and was paid in full in a timely manner. Upon receiving copies of these letters I sent Phoenix Financial Services copies of the billing proving I have no outstanding balance. They received and signed for the letter sent by USPS Certified mail on XX/XX/XXXX. On XX/XX/XXXX I received a second notice saying I still owe them the {$46.00}, but I can reduce that amount to {$18.00} if I pay now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Corvington Capital account # XXXX is reporting on my credit, however this debt was paid off five years ago. This is reporting incorrectly and the account should be deleted.