23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempting to get a copy of my credit file from LexisNexis, I submitted my request online, and they sent a letter to me with a URL and PIN that I could access. I entered the URL correctly, and when I attempted to access the report using the PIN, I received an error message stating the PIN was invalid, and listed a telephone number to contact. When I called the phone number, the VRU/automated system did not allow me to contact an agent, and non of the options offered would resolve the issue. This IS NOT acceptable to the least sophisticated consumer ; I'm a retired XXXX person from the XXXX XXXX XXXX and know this is NOT how it's supposed to work
Product: Student loan

This is a multi-item complaint : Item 1 : MOHELA has failed to meet the 90 day time period for processing of my PSLF application, submitted via online portal in XXXX XXXX for any further action or inquiries about my accounts, Mohela requests an additional 90 'business days ' to respond. 
Item 2 : 90 'business days ' ( more than 125 calendar days ) is an irresponsible amount of time to process and respond to inquiries about existing loans. This time period is longer than a federal corporate tax reporting period ( 90 calendar days ), a full semester of college education ( 116 calendar days ), or a tenant eviction period after notice ( 30 days ). This extremely long processing period can represent a financial burden to the consumer who needs to make financial decisions where student loan obligations are a major consideration. 
Item 3 : Mohela failed to certify my employer information for XXXX years of XXXX XXXX service with the United States Marine Corps , when all necessary information was included on page 3 of my PSLF application form, including the correct EIN and necessary signatures from a certifying officer.

As an entity providing support to the federal student loan programs, this failure to provide accurate and responsive service is a prime example of fraud, waste, and abuse and is out of line with the expectations of the financial services industry. Mohela accepted the role of federal student loan servicer and PSLF processor willingly, and I am certain they performed due diligence and risk analysis to protect their financial stake before taking on this role. Mohela has made the claim that " unprecedented volume of requests '' is impacting their ability to process claims and impacting their level of service. I view this as a breach of trust with the general consumer and an insult to the dept of education loan programs, if not a complete failure to comply with the terms of agreement with the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX  XXXX Auto Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # 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 XXXX XXXX XXXX has been opening and closing this account repeatedly and it has been doing harm to my credit file. they have also are reporting that it is a installment loan I have sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and Experian and XXXX have done nothing, i deserve a complete and accurate file. XXXX XXXX has not sent documents requested
Product: Credit card

I am writing to file a complaint against Capital one credit card regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against capital one credit card for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

XXXX XXXX, 2017 I was shopping for a loan. XXXX XXXX from quicken loans requested to do a soft pull on my credit so that she could compile loan information for me. She assured me that her soft pull inquiry would not show on my credit report. <P/>XXXX XXXX | Director of Mortgage Banking Direct : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXX XXXX XXXX, 2017, XXXX XXXX from XXXX XXXX, the company I decided to get a mortgage with, emailed me and asked why I had a credit inquiry the day before. XXXX double checked on his end and made sure this was not his credit request and assured me that it was not an inquiry he generated. <P/>I was deceived by to my XXXX XXXX at Quicken Loans. She assured me she was only doing a soft inquiry. I would like to
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The original debt amount was incorrect. I settled on a 3 payment payoff after agreeing to the final amount of {$230.00} which was more than the original final payment. The collection 's representative NEVER informed me of an ADDITIONAL charge for each payment. The first payment as stated by the representative XXXX on XX/XX/2021, at approximately XXXX XXXX, was in the amount of XXXX with two additional payments of {$66.00} to be automatically deducted on XX/XX/2021, and XX/XX/2021. Today, I looked at my bank account, and the company withdrew an extra XXXX without my permission or knowledge. When I contacted Receivables Performance Management to inquire, they said it was an additional fee for service. This information was never presented to me or I would never have agreed to the settlement as the original amount was incorrect as I had told them. This is a practice of deception to the consumer and particularly in a time of pandemic and financial devastation for many, including myself.
Product: Debt collection

A debt collector has violated my HIPPA rights. The company has bee reporting negatively on my XXXX XXXX and XXXX. I have contacted XXXX XXXX  and XXXX  by letter and certified mail beginning XX/XX/2020, XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX and each month thereafter. I have also contacted the hospital and debt collector in which the company has sent me a contract, detailed with my personal information and what medical reason I was been treated for. I have communications regarding certified letters and dates the companies and bureaus and i were in communication.
Product: Credit reporting or other personal consumer reports

Experian & XXXX are reporting XXXX XXXX XXXX Balance {$13000.00} and also reporting XXXX XXXX XXXX Balance {$38000.00} I've disputed these items in the past as fraudulent accounts and the items was deleted they are now reflecting back on my credit reoport.And I've sent letters and FTC reports regarding this matter and they are still reporting these fraudulent accounts on my credit report!! These items are not reporting on XXXX and per the law all credit reports are supposed to be accurate and the same all across the board! this is hindering my true credit and I want these items removed!
Product: Student loan

My account is in a chargeoff status and I have NEVER been able to get any information Discover refused to send statements, refused to give online account access and Still to this day can't tell me where my payments went or how they were applied. I received a history breakdown finally but it does not balance if I add their columns for amount paid, amount applied to principal amount applied to interest it does not balance by several thousand dollars. I asked again for a better breakdown of payments since they are grouped in this sheet for two accounts. the rep said it was approved and being sent to me. I received a letter today and once again it says they can't provide the information because the loan is in a chargeoff status and that I should call once it is in repayment. It IS in repayment and has been in repayment since XX/XX/2014. They know it is being repaid but are still giving me the run around. Now upon further review of my account it appears the interest rate should have been a variable rate and it appears I have been charged a fixed rate of 7.5 % which is much higher than the agreement I had specific payment arrangements for each account and they applied them wherever they wanted even though Discover and XXXX stated in writing that the amounts would be applied to specific accounts. I strongly feel that Discover student loans and XXXX and associates have employed deceptive illegal tatics to get customers to pay more than they owe by complicating things so much that the information can't be deciphered. Now they can't even figure out what is due.
Product: Checking or savings account

This problem occurred because XXXX XXXX  made a withdrawal from my account totaling over 4,000 and then drafted both my saving and checking account for over {$400.00} each ( the savings was later cancelled XX/XX/XXXX by XXXX at Capital One ). CapitalOne allowed the transaction to process between XXXX XXXX  and CapitalOne on XX/XX/XXXX for a deposit which they stated was a refund for over {$4000.00} made to CapitalOne and then a transaction from both savings and checking ( Checking is  still -XXXX ). CapitalOne wanted to make me responsible for a transaction I didn't authorize or engage in AT ALL. I received a letter from CapitalOne on XX/XX/XXXX which informed me my account was below {$0.00} which prompted me to contact CapitalOne regarding my account. On XX/XX/XXXX, CapitalOne attempted to make me responsible for this unauthorized refund/ withdrawal from my account when I clearly informed them that I have never initiated this transfer of monies. CapitalOne told me to call XXXX XXXX XXXX XXXX who made the transaction. I contacted XXXX XXXX XXXX XXXX just to be told that they can not see the transaction and that I need to call XXXX the Bank directly. O contacted the bank and they informed me that they couldn't see the transaction. I contacted XXXX XXXX XXXX XXXX again to be told she can not see It either. I reached out to CapitalOne again on XX/XX/XXXX evening time and was informed by CapitalOne that they no longer want a bank relationship with me and that they are restricting the account to shut it down while the account is still negative and a fraudulent transaction still exist. Then, CapitalOne removes the overdrawn balance from the savings and leave the existing -XXXX in the checking account. CapitalOne representative, XXXX responds that I am responsible for this transaction that I never authorized again. No to mention CapitalOne left me on hold for over 1 hour.  Then CapitalOne tell me that a debit card that was on the account since XXXX wasn't suppose to be there after 11 years. I requested that they close the account as long as they can resolve the fraudulent transfer but they refused. Now, I'm still on the line trying to resolve this issue. More people were involved in this incident which includes : XXXX- XXXX  XX/XX/XXXX XXXX-XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX-XXXX-XXXX  CapitalOne XX/XX/XXXX XXXX XX/XX/XXXX @ XXXX XXXX  XXXX-CapitalOne XX/XX/XXXX XXXX XXXX  approx. 
XXXX XX/XX/XXXX @ XXXX XXXX  - File a police report
Product: Checking or savings account

I opened a account with Card.com that gives you checking account through XXXX XXXX XXXX. On XX/XX/2021 I received my stimulus {$1800.00} then again {$1400.00} on XX/XX/2021. I used my card for purchases etc. Then I get message that my card was closed for suspicious activity. I then contacted Card.com about my balance {$1300.00}. They state " I need to send them copy of my drivers license, social security card, piece of mail to verify address, and letter of recall from IRS. So I then write IRS telling them what is needed. I get all documents and send to Card.com ''. I call them two weeks later after mailing they said they didn't get them to upload them on verify @ card.com so I did. I call two weeks later they said it was pending. I told them " Your terms and agreements state that if Card.com closes account a check will be mailed within 7-14 business days and Card.com closed the account without my permission so Card.com needs to honor their terms. The lady hung up on me. I call back they tell me to fax the documents XXXX so I did this. I have even requested a arbitration under their agreement without response. I again, again, and again have mailed documents with threatening of class action law suit. I have read so many complaint and reviews that this company closes accounts and keeps the balance in the account. I have emailed, mailed, and faxed documents they requested without any acknowledgement!!! The account number is XXXX the routing number is XXXX the card number is XXXX XXXX XXXX XXXX. There is got to be someone who can help me get my money it has been 2 years dealing with this company with no closure.
Product: Checking or savings account

I have multiple checking accounts with Chase. One of which went into overdraft and was subsequently charged off. Numerous overdraft fee charges were incurred over the Covid time period which pushed this account into overdraft. This account has me as primary with my adult daughter as secondary. She did not take action quickly or definitively with the bank to get relief from the overdraft charges. She was embarrassed to be behind while trying to manage the situation. However, Chase closed this account without notifying me ( as primary who resides in different address ) despite the overarching relationship that I have with the bank. When I inquired around XX/XX/XXXX upon noticing the account was closed, I was told that it was too late to adjust a charged off account. Additionally, all prior history of the account including electronic statements has been removed from my profile. When asking Chase for relief, they refused to review the prior history and overdraft fees. Had the fees been waived, consistently and equitably across all consumer accounts during Covid ( instead of wait until they call approach ), this situation would have been avoided, and there would be a positive balance of over several XXXX dollars. Also, in conversations with Chase through XX/XX/XXXX, they finally did send me the XXXX but not XXXX bank statements. Just in XXXX they charged {$340.00} of overdraft fees of which {$200.00} occurred in XXXX and XXXX. I was not able to look at XXXX despite 3 requests to provide me the statements for XXXX, XXXX and XXXX ( over the Covid period ). Also, the collection department requested that I pay from an existing deposit account to cover {$58.00} written off, which I initially was agreeing to, however, in the call the representation asked me to confirm the withdrawal which I did not agree to. Because he stated this could be escalated, I opted for the escalation. Because Chase will not address holistically, I am reaching out to both the OCC and CFPB to exam the collection practices to 1 ) eliminate any write-off/collection and reimburse me for the {$58.00} withdrawn without my consent OR provide COMPLETE transcripts of all phone calls with the bank showing my agreement when the rep asked to confirm the withdraw at which time I did not reaffirm, 2 ) get copies of the last three years of activity for this account ( specifically for XXXX ), and 3 ) OCC and CFPB review the account for XXXX and reimbursement of excessive overdraft fees which is fair and equitable during the Covid period and which should have been consistent applied once the customer realizes and escalates to the bank. Had I been more aware of their deceptive practices, I would have escalated myself rather than assume they were doing the right thing and working with my daughter directly. Thank you for your assistance.
Product: Debt collection

I contacted EOS by phone in XX/XX/2020 and agreed to settle the debt in full if the collections company agreed to have the derogatory information removed from my credit reports. The collections agent agreed to have the account removed from my credit report within 5-10 business days after I paid the debt. The account remains on my credit report and I have attempted to have it removed as agreed upon but the company is now refusing to comply with my request.
Product: Debt collection

I work as a XXXX XXXX  and I answered work phone at XXXXXXXX XXXX. I answered XXXX XXXX XXXX XXXX XXXX  office, how may I help you. I never said my name and he said " Good Morning XXXX, this is XXXX XXXX and proceeds to say my dob and I had never acknowledged it was me at any time and he proceeds to say he is calling from Midland Credit Management ( MCM ). First of all my employer doesn't allow any type of personal calls much less debit collectors as we are a XXXX XXXX XXXX XXXX. Second of all, I feel very violated and humiliated to be called at my work. I am not the only person that answers the phone so it is a breach of my confidentiality to go at it with my dob and what the call is about without any acknowledgment like I mentioned. This could have been any of my other coworkers answering the call and to me this is a huge violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 : states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card

There are several closed accounts from Self bank on my credit report that have a XXXX balance with only XXXX with a balance of {$150.00}. There is no way to get in touch with SELF bank to pay off the {$150.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite numerous reports and requests for assistance, the resolution process has been ineffective, and the fraudulent charges persist, causing significant distress and inconvenience. 

I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Inadequate Investigation : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. 

Communication Breakdowns : Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. 

Continued Unauthorized Charges : To my dismay, the fraudulent items persist on my [ credit card/bank statement/account ], indicating a failure to adequately address the issue and protect my account from further unauthorized activities. 

I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX  XXXX Balance Owed : {$2300.00XXXX XXXX XXXX  XXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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/XXXX
Product: Credit reporting or other personal consumer reports

Someone from key bank ran my credit in XXXX of 2023. I dont have a bank account with them. I also never authorized this. I did have my car broken into in 2023 so I dont know if the people that broke into it tried to but key bank said they didnt authorize this. I called XXXX they are disputing it. They needed me to get ahold of you though to make it go faster so they can put it on my report.