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

I have disputed items on my credit report with XXXX, Trans Union and XXXX on the following dates. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 The only bureau to respond has been XXXX. XXXX has deleted all of the erroneous accounts. 

Trans Union and XXXX have not investigated or responded
Product: Student loan

First I tried logging into mohela to see if my auto payments were set up, but it wouldn't let me. Finally I was able to log in but I got a message saying that I couldn't set up auto payments at this time. 

So I tried to call in to see if everything was okay, but no one was available. When trying to use the XXXX I would put my SSN followed by # as instructed, and it would tell me my account wasn't found.
Product: Credit card

I closed a Revvi card on XXXX only to charged the full amount due, which I did not authorize so I had to dispute the unauthorized charge with my bank. On receiving my money back from my bank the company decided to charge me a {$30.00} return payment fee plus the monthly servicing fee of {$8.00} even though the card is closed and i should no longer be getting any monthly servicing fees
Product: Debt collection

My wife called ERC Monday on XXXX.17 in order to get information about a a debt reporting on my credit report. She explained that the equipment was stolen and asked for contact person and phone number directly to XXXX XXXX XXXX, so that we could call them and resolve this matter. She spoke with XXXX XXXX, he refused to give her any information to contact the creditor. He just kept trying to get us to settle. What she tried to explain to him was we should n't be paying for equipment that was stolen, she did n't think it would be such an issue to get information so that we could figure out what exactly is going on with this account. Being that equipment was stolen, I do not understand how ERC is trying to collect on stolen equipment. XXXX stated that we could pay settlement or that he would open a dispute with XXXX. However, I have no paper trail or confirmation that this is actually happening which cause grave concerns for me. She asked him how long would the dispute take with XXXX, his response was I am not sure. They can take as long as they need to respond to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXXXXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following letter on XXXX XXXX TO WHOM IT MAY CONCERN : Per FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of any and all authorization I, XXXX XXXX, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 usc 6802. EFFECTIVE IMMEDIATELY AND INDEFINITELY. 

PROMPTLY REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX. 
Thank you for your assistance in this matter, XXXX XXXX
Product: Debt collection

XX/XX/XXXX a random person opened a cable account in my name fraudulently at XXXX XXXX in XXXX XXXX somewhere I have never lived in my life had it set to be installed on XX/XX/XXXX and was in service until XX/XX/XXXX leaving the accountwith XXXX in charges. I only recently received this information through my credit report in XX/XX/XXXX and have been stonewalled since, but because a young man at XXXX was kind enough to actually give me some tiny bit of information I can finally have this taken care of. I have been trying with no success for multiple months to get this resolved. The collection agency Covergent Outsourcing has been harassing me flagging my credit constantly causing over 100 point drop in my credit and was refusing to give me any information once I stated I was going to file a police report. I have attached the approved police report. I was XXXX  during the interim of this incident and have provided docs as proof. Thank you for your time in this matter. This collection agency Convergent Outsourcing has done nothing to help alleviate the distress caused by this identity theft I am dealing with. I have basically given up hope that this identity theft will be removed from my credit record due to how aggressively this company tries to collect unwarranted debts.
Product: Checking or savings account

XX/XX/2020 Chime XXXX Inc, closed my account with {$12.00}, XXXX in it. The funds was direct deposited into my account by the Georgia Department of Labor during 2020 Coronavirus pandemic. I was laid off and used my chime account to receive my unemployment funds. Chime randomly closed my funds and refuses to give me access to my funds or my account. I filed a previous compliant with Customer Finance in which Chime requested I submit proof of residency in Georgia. I submitted my 2020 Georgia paystubs as requested still to have no resolution. My account is still closed and Chime is refusing to reopen the account or release my funds. I have submitted every document requested over a year with no results. Chime is stealing my money and refusing to give it back. Chime has no right just to take someone's money and keep it. If my account was CLOSED my funds should have been release within XXXX days via check according to federal laws. Chime has been holding my funds hostage for over XXXX  years now. I have submitted documents and more documents. Most documents do not have anything to do with Chime and should not be requested in order for me to obtain my own funds.
Product: Checking or savings account

On XX/XX/XXXX I received an email from Goldman Sachs/Marcus Bank stating that my statement delivery preference had been changed from electronic to paper mail. Since I did not initiate this change, I called the bank to inquire about what was going on, fearing that my account had been hacked. After verifying my identity with secret words, etc., the agent said she was sending a code by text. I never received the text, probably because I was in an airport with spotty cell receptions. The agent refused to re-send the code and said my account was being referred to another department ( security? ) and that they would call me in XXXX days. 

Since XX/XX/XXXX, online access to my account has been locked. I have not received a call from the bank. I have called them several times and have been told that they can not say what the problem is and I must wait for their call. On XX/XX/XXXX, the agent told me that my case would be expedited and I would hear from them within 3 days. As of today, XX/XX/XXXX, I have heard nothing and can not access my account or get any assistance from the agents who answer the phone
Product: Money transfer, virtual currency, or money service

Several transactions were made using XXXX that were a scam. I tried fixing the issue with PNC bank and was denied 3xs. I filed a police report with XXXX XXXX Sheriff Lt. XXXX XXXX. I called PNC back with the incident number and was denied again. The total amount was just under {$1000.00} because it would have been a felony if they got that amount
Product: Debt collection

Without proper notification a bill was added to my credit file by XXXX XXXX XXXX in the amount of {$130.00}. This bill has been back dated to appear as if it has been on my credit report since 2014 when it has not I check my credit on a daily basis. I have never done business with this company, I have never received a bill from this company yet they were able to add a bill from 2014 to my credit file willfully violating its obligations under the FCRA. This item must be deleted immediately or I can pursue damages.
Product: Debt collection

I was told by the original lien holder that my account was almost paid off. The last receipt that I have in my possession shows a remaining balance of a little over {$1000.00}. Upon speaking to the collection agency, West Lake Financial, I was quoted a price in excess of {$6000.00}. I've had this vehicle for 4 years, so that amount is surely inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 1681 c. ( 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, credit repair services, or other personal consumer reports

I wrote to the XXXX credit reporting agencies asking them to re-examine the disputed items on my credit report and to correct the items while the investigation was ongoing. They have yet to answer my request as of this date. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

at XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX called and was a robo call so I hung up At XXXX XXXX I than received an e-mail from him stating to call him about a loan for a mortgage- I responded- I am only looking- I already have mortgage co - thank you - At XXXX rec'vd another e-mail form him stating he could beat the competition- I responded - PLEASE stop - already have company - then received another e-mail- I then sent e-mail to stop that it was harrassment - At XXXX I rec'vd e-mail stating " Good Riddance '' I am reporting him for his unprofessionalism and harrassment
Product: Mortgage

I applied for a modification with Mr.Cooper back in XXXX. I received a complete acknowledgment letter advising that my application was complete and I would hear something in 30 days as of XX/XX/XXXX. I called in on XX/XX/XXXX and was advised that I was denied for the traditional loan due to my income and they were submitting for a XXXX  Special Trial Loan and that would take another 30 days. I never withdrew my application or received a denial letter so that was violating the 30 day rule. I called back in the next day on XXXX spoke with another representative only to find out that they calculated my income only and did not include my husband income. He is on the mortgage not and deed and his income needed to be added. Between me and my husband income we grossed over XXXX but we only got credit for XXXX. The rep that I was talking to then reached out supposedly to her manager and was told I was denied because they were unable to lower the payment and they just marked it as denied due to hdti being out of range. They advised me that they sent my file back to underwriting to be evaluated for a different type of mod. I have made numerous phone calls to my rep she isnt calling back. The reason my account is behind is because I applied for a modification with this company last year at 28 days past due and it took them 3 months to let me know I was denied. This company has violated per the CFPB violations in this situation twice. For one they are out of the 30 day compliance and two they didnt include all my income sat they denied me for that reason but went on to say they dumped me because they could lower the payment all of this with nothing in writing but the complete acknowledgment letter that they fail to adhere to. I want all of my income included and I need answers. I am going into 90 days past due and can not afford an illegal foreclosure because they are acting as if they dont have to adhere to laws and guidelines. I want all of our income included in this evaluation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I just recently got off the phone with the company and they wont put in a request of removal of a fraudulent hard inquiry from XXXX XXXX to transunion. They dont even have my information on file, I called 3 times most of them are lazy and was giving me a hard time.
Product: Checking or savings account

I am trying to set up XXXX ( investing app ) but the app says PNC wont allow it to work and to contact you. I tried to set this up last night ok the XX/XX/20 at XXXX XXXX but nothing worked. I tried this morning thinking it was down for maintenance or something. Again it did not work. Today is the XX/XX/20.
Product: Credit card or prepaid card

I had signed up for a business credit card by Wells Fargo. At the time that I applied it was the XXXX, NJ branch back in XX/XX/XXXX. According to the customer service representative we were told that there was a promotion on the credit card regarding sign on bonus of {$500.00} cash back or XXXX reward points if we spend {$3000.00} or more on the account. The requirements were to make charges on the credit card within 90 days of account opening. We did fulfill this requirement apparently upon contacting customer service from Wells Fargo they told us that in actuality they never heard of the promotion. 
However we spoke with XXXX from customer service on XX/XX/XXXX at XXXX p.m. and she had promised us that she would extend the promotion charge period from XX/XX/XXXX to XX/XX/XXXX. Basically we had to make upto {$5000.00} in new charges so far at the time we had incurred about {$3000.00}. So we did make an additional {$2000.00} of business purchases on that credit card which brought our total charges made on the credit card to {$5000.00}. XXXX from Wells Fargo customer service told us that the sign on bonus would be reflected on our statement within 1-2 credit billing cycles which would bring it to XX/XX/XXXX. We again contacted customer service on XX/XX/XXXX via message center online through the Wells Fargo login to inquire about the sign on bonus and to confirm that we would receive the bonus by the XX/XX/XXXX statement. We spoke with XXXX XXXX on XX/XX/XXXX at XXXX p.m. who clearly said we would be paid out the {$500.00} or XXXX reward points by the XXXX statement. XXXX XXXX from Wells Fargo customer service gave us a case number to followup in the future in case we should call the customer service phone number ( XXXX ) and that case number is XXXX. Fast forward to XX/XX/XXXX we contacted customer service from Wells Fargo again and this time I spoke with XXXX on XX/XX/XXXX at XXXX p.m. who stated that the credit should be reflected when our XX/XX/XXXX statement is released. Fast forward to present the XXXX statement was released two days ago and we have yet to receive the bonus. I feel like we are being jerked around by Wells Fargo. Hence I am forced to address my grievance here. 

Please advise further. 

Kind thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Business Owner
Product: Credit reporting or other personal consumer reports

I am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken for the non compliance with the relevant legal requirements. 

( Original Creditor : XXXX XXXX ) Collection {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Collection {$220.00} XXXX Collection {$1400.00} XXXX Charge-off {$480.00} XXXX XXXX  Charge-off {$0.00} XXXX Charge-off {$10000.00}
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I am submitting this complaint myself. There is no third party involved. This submission is an addition to the complaint I mailed in already against this company. 

I entered into a consumer close-end credit transaction with this company along with the dealership XXXX XXXX XXXXXXXX XXXX also  known as XXXX XXXX XXXX XXXX XX/XX/2021 for which the contract I was given lacks multiple disclosures and there are some billing errors that need to be fixed : XXXX. Billing error # XXXX in the contract is the number of payments and the amount of payments. Under Regulation Z also known as XXXX, the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me ; 2. The XXXX billing error can be seen on the XXXX XXXX ( The amount of credit provided to me or on my behalf ). The company should provide additional clarification, including documentary evidence, of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ) and Generally accepted auditing standards ( GAAS ) ; 3. Another possible error is the Seller-Creditor section of the contract where this company is not listed as the creditor ; 5. There was no diclosure or forms provided to practice my right to rescind in accordance with 12 CFR 1026.23 ; 6. There was a lack of disclosure about the finance charge in accordance with 12 CFR 1026.4, including not disclosing that it shall include all interest, downpayment, service fees, etc. and that the finance charge shall be the sum of all charges ; Learning these things after the consummation of the transaction, I took the following steps : 1. I provided both companies my notice of rescission of signatures within the timeframe allowed as specified in 12 CFR 1026.23 ( a ) ( 3 ) ( i ) ; 2. I provided both companies a notice of billing error in accord with Regulation Z, 12 CFR 1026.13 ( b ) ; The effects of rescission as required in accord with 12 CFR 1026.23 ( d ) have not been performed or notified/delivered to me, and I have not received further communication addressing any other points on this matter. 
Copy of the contract referenced above is attached.
Product: Student loan

My loan provider for my private student loan is refusing to help me with some options to repay them. Unfortunately I recently lost my job and have no income because I was denied unemployment benefits. I am still fighting that decision with the State Department of Labor, but in the mean time I explained to FirstMark Services ( A Nelnet Company ) that I could not pay my monthly amount. I explained this to them before the date my payment was due since I had signed up for their auto debit program. They claim that since I have not made at least XXXX payments I am ineligible for forberance. So after that they continued to charge me late fees even after they knew about my situation including trying to collect the money from my bank account with no authorization which resulted in my bank charging me returned check fees. Then on XXXX/XXXX/2017 which would make my payments two months late they have a debt collector call me saying they are trying to collect a debt from me for an amount well above two months late including late fees. They then proceed to connect First Mark Services via a three way calling and then both of them started recording me telling me that they could not help me and that I do n't qualify for forberance and that at the end of the month it will go into default.
Product: Vehicle loan or lease

They took the car and its still on my credit and I paid the settlement balance
Product: Credit card or prepaid card

I've contacted Capital One numerous times asking to reduce my interest rate. Even though I pay timely, pay more than the minimum, they said it was offered to me at that time. In XXXX XXXX, I had XXXX in transactions and XXXX interest XXXX XXXX XXXX in transactions and XXXX interest XXXX. XXXX XXXX in transactions ; and XXXX interest XXXX XXXX XXXX in transactions and XXXX interest XX/XX/XXXX XXXX in transactions and XXXX interest XXXX XXXX no transactions, XXXX interest XXXX XXXX no transactions XXXX interest XX/XX/XXXX no transactions, no balance, XXXX interest
Product: Student loan

One of my loans ( XXXX for XXXX XXXX, {$12000.00} ) through Heartland ECSI has the incorrect disbursement date. The date is listed as XX/XX/XXXX, which is completely erroneous as I was born in XXXX and did not start medical school until decades later. I plan to consolidate my loans through a different servicer, which will require the correct date. If the disbursement date is not changed to the correct day, it will affect my debt consolidation and my ability to have my loan forgiven through PSLF. I have called their customer service several times over the course of two years without anything being done for it and being placed on hold for hours. All I am simply asking is for the correct information to be displayed. 

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

What are the Penalties for Violations of HIPAA Rules? The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} million per violation category, per year XXXX XXXX 20 accounts XXXX XXXX XXXX $ XXXX  XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act