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

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove the ITEMS listed below : XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$57.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX
Product: Student loan

Someone from my loan company, American Education Services contacted me today, XX/XX/XXXX at XXXX. It was due on XX/XX/XXXX. She asked me about making a payment on the loan. I stated that I couldn't make a payment because my husband takes care of paying that loan every month. Speaking to him and finding out why the loan hadn't been paid would be the prudent thing to do first. She became what I felt was unnecessarily aggressive in her tone and said, " Well you need to find out what's going on. '' She was doing all of this without even having all of the information on account pulled up on her computer. She finally looks at my information and sees that there is a payment scheduled for today. It will hit their account tomorrow. I guess that wasn't good enough because she continued to push for me to make a payment TODAY.
Product: Credit reporting or other personal consumer reports

Not authorized to report personal information to third parties without my authorization
Product: Debt collection

Since I filed my initial complaint against Medical Revenue Service AKA Medical Data Systems, they are now calling me repeatedly. I only have 1 unverified debt with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS XXXX DOB XXXX XXXX. I was looking over my credit report and notice my XXXX XXXXXXXX CREDIT CARD IS NOT REPORTING ON MY CREDIT REPORT!
Product: Bank account or service

I signed up for a CitiGold checking account after receiving an offer for XXXX XXXX miles if I met the requirements for sign up. After opening the account, I messaged citi on XXXX/XXXX/16 asking if I had met all the requirements for the offer. A representative responded on XXXX/XXXX/16 ( message ID : XXXX ) confirming I had met the requirements and would receive the XXXX miles within 90 days. After 120 days and still no miles, I sent another message to Citi. They responded saying I was not eligible for the offer and that I would not receive any miles.
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 Name : THE XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Mortgage

We were notified that our mortgage had been sold to Rushmore Servicing ( Mr. Cooper ) in late XXXX We then received a letter from them that their data was breached. We received a escrow analysis is XXXX, which we pointed out was wrong because they had both a city and county property taxes on their, both for the same amount. They finally corrected it and I received it before XX/XX/XXXX. The corrected analysis showed a lower payment of {$650.00} from the {$660.00} we were paying. We received a {$81.00} check from them because we had extra in our escrow. I went to make our payment on XX/XX/XXXX and the original analysis payment of {$880.00} was still showing. I called them on XX/XX/XXXX again for the XXXX time since XXXX to ask them to correct the online payment amount to reflect the correct amount, the person assured me that the payment amount would be corrected and that if we received a late payment that I would have to call back and they would take it off. And I quote she said, because none of the problems were from anything you did, it is on our end. So on XX/XX/XXXX I went online to make my payment and now the payment states {$670.00} plus, now I have a {$22.00} late charge ( because it wasn't paid by XX/XX/XXXX and our escrow is now shows a shortage again. On XX/XX/XXXX and XX/XX/XXXX have tried to contact them several times to get this once again corrected and all I get is their automated system that just keeps you going in circles. I have not to date, made our XX/XX/XXXX payment as I am trying to get this corrected. I don't trust this company, they have rating of 1.9 with 74 % bad reviews. I don't know if they are trying to swindle us or if they just don't have a clue what they are doing and are very incompetent.
Product: Credit reporting

I was applying for an auto loan. Auto loan was approved through XXXX XXXX XXXX XXXX. They let you see your credit report after they run your credit. On my credit report there were, what I believe, to be fraudulent charges. XXXX was a XXXX dollar loan from a jewelry company, XXXX was from my cell phone company, XXXX, and XXXX was another collections amount from XXXX. I do not have the full credit report in front of me and do not pay for a monitoring service - this is just from visual memory, looking at the report on my financial rep 's monitor. Also on the report were student loans, which ARE ACCURATE, so I knew that we were looking at the correct credit report. Now, I am trying to refinance on my existing auto loan ( approved through XXXX the day I found out about potential fraud on my credit ), however, XXXX will not approve due to an insufficient DTI ( dept to income ratio ) percentage. The DTI percentage is only high because of the fraudulent jewelry charge and other collection amounts on the credit report.. 

I went ahead and contacted XXXX customer support, followed by their credit department. The representative, XXXX, did not seem to believe I was telling the truth, and would not let me speak with a credit fraud representative. I was only trying to figure out why there was a XXXX collection amount on my credit report.. To her knowledge, there was no history of delinquent payments, or anything sent to collections under my account, XXXX XXXX , after running her search many times. 
****It should be noted, I received a piece of mail on XX/XX/XXXX from the XXXX about my XXXX account ending in XXXX, and XXXX privacy and account sharing policies. This is n't my account, according to XXXX and her records. Nor did she have any indication that XXXX or the XXXX or the XXXX had sent me any such notification for that matter - especially in an account ( XXXX ), not listed under my name. 

I have not started following up with the jewelry store ( XXXX? ) or my cell phone company, but I have a feeling they are going to give me the same response as the XXXX representative. I never received anything from the Jewelry company about a loan being opened in my name OR it not being paid off.. Neither have I ever received anything from XXXX ( a cell phone company I 've used for many years ) of having missed a particular payment so severly that it would be sent to collections ( XXXX would not allow continuous service, as they do now, with a delinquent cell phone payment ). 

I 'm hoping this is the proper next step to take in resolving this issue, it looked like some of these problems are dated XX/XX/XXXX, and my credit score is hurting very badly as a result. Please, contact me for additional information - I 'll help in any way I can. 
I do not have access to a scanner at this time, but can always find a scan and send in the XXXX letter if necessary.
Product: Checking or savings account

On Tuesday XXXX XXXX, XXXX I tried logging into my chase bank account and saw that my account was locked due to suspicious activity, I immediately called and talked with chase and was asked to give a number to verify a check I had deposited into my account, I gave the number and was told to call back. I called back the next day Wednesday XXXX, and was told again to call back another time with no explanation, I then kept calling everyday ( only to be told to call back every time, receiving no help or information ) I kept calling leading up to Tuesday XX/XX/XXXX when I called and was told that my account was closed because the check could not be verified with the number I provided, at no point before my account being closed was I informed that the number wasnt verified even though I had called every day. I was also told that I would not be able to open an account with chase ever again. My check was completely valid, and had I been told any of the previous times I called I would have provided a different number and the issue could have been resolved. I feel like I got XXXX help or care from chase and was unfairly banned from their banking network. ( JP Morgan ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX {$3700.00} XXXX XXXX {$2100.00} XXXX {$220.00} Added XX/XX/XXXX Company was contacted by attorney for payment settlement offer and respones exceeded the insurance for pay out. Case opened XX/XX/XXXX & XX/XX/XXXX. Settlement with Insurance company was on XX/XX/XXXX. My attorney contacted XXXX XXXX, XXXX ( XXXX XXXX ) numerous times to no avail. I directed them back to my attorney and have since received numerous calls at all hours of the day. 

US Department of EducationXXXX {$53000.00} Added XX/XX/XXXX Company was contacted about student loan forgiveness application being submitted. They steadily increase the interest which has risen from {$33000.00} to {$53000.00}. Case Opened XX/XX/XXXX. Institution closed down citing financial challenges and accreditation issues. No transfer of credits. Student Loan debt clean. 

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX, XXXX and US Dept. of EducationXXXX have violated my rights. 

15 U.S.C1681 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.
Product: Credit reporting or other personal consumer reports

Subject : Credit Report Dispute FERPA Violation by Government Student Loan Servicer I am writing to formally dispute an inaccurate item on my credit report regarding my student loans. I have identified incorrect information related to my student loans that must be investigated and corrected immediately. Specifically, the government student loan servicer has violated my rights under the Family Educational Rights and Privacy Act ( FERPA ) by improperly disclosing or mishandling my educational records. Furthermore, during the Trump Administration, non-government employees were hired to review personal information, which further violated FERPA protections.

Disputed Account Information : Creditor Name : AidVantage Reason for Dispute : FERPA violation due to unauthorized disclosure or mishandling of my student loan information by the government loan servicer, including the involvement of non-government employees who were inappropriately granted access to sensitive educational records.

Under the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into this matter and immediate corrective action, including the removal or correction of any inaccurate information resulting from this FERPA violation.

Please provide a written response to my dispute within 30 days, as required by law, detailing the outcome of your investigation. If the disputed information is updated or deleted, I request that you send a corrected copy of my credit report.

If you require any additional information to process my dispute, please contact me at the phone number or email address listed above.

Thank you for your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX credit card account-XXXX off and received verification that my account was closed on XX/XX/XXXX and I would receive a payout of {$220.00} via ACH direct deposit on XX/XX/XXXX. 
On XX/XX/XXXX I received an itemized break down from XXXX and was informed " the payout is what you paid in less the interest on the loan and any fees to date. '' Here is the itemized breakdown of the payout : Total Paid {$580.00} Total Interest - {$44.00} Returned Payment fee ( s ) - {$0.00} Late Fee ( s ) - {$17.00} Early CD Withdrawal Fee Accrued CD Interest - {$0.00} + {$0.00} XXXX  Visa Credit Card Deposit ( if applicable ) - {$300.00} Payout Owed {$220.00} After receiving my payout, I was assured the account was closed. 
Unbegnknownst to me, In early XX/XX/XXXX I became aware the account was still active and accruing interest in addition to late fees upon receiving a notification from my credit monitoring report. 
The worst part is that XXXX  reported the account that had been previously closed to the credit bureaus, negatively impacting my credit report on false records. This is ironic, as XXXX literally advertises that the company will boost your credit score. 

I would like the outcome to be that my all late fees are credited back to my payment account on file XXXX and that the false information be removed from my credit report as XXXX has negatively impacted my ability to obtain new credit. 
I have tried working with the company several times and even requested a goodwill letter for the sake of my credit, but even the goodwill letter request was denied, although I did nothing wrong as the account was paid off.
Product: Mortgage

I made my mortgage payment on time XXXX and XXXX for the amount XXXX which they had taken from my bank account with the routing number and bank account which this is the way we make our pays the same every month since may on homeside financial when we refinanced for 15yrs from a 30yr they reported to the credit bureau that payments havent been made my credit went from XXXX to a XXXX. Which I contacted my bank and they stated that homeside directly had taken the money out. I have call homeside  and have talk to multiple supervisors which keep saying they are fixing every time I call back they state they need my banking statements again this has been going on for 4 weeks of talking with them. They still havent posted my payments or fixed my credit.
Product: Checking or savings account

On XX/XX/2022 I deposited Check # XXXX into our business checking account ending in XXXX via TRUIST Mobile Deposit on the TRUIST Mobile App on my XXXX. Received a letter via XXXX dated XX/XX/2022 that stated TRUIST had made the decision to close the account. I contacted Fraud Management at the number provided in the letter. The phone rep was not able to give me any information on why the decision was made to close the account. On XX/XX/2022 I called the branch where the account was opened to see what I could find out. They were able to give me the Fraud Management phone number and a CFO # to see if I could get more information. After calling Fraud Management again I asked that the analyst who made the decision to call me directly to discuss reasoning and if there was anything that could be done. On XX/XX/2022 after not hearing back from Fraud Management I went into the bank branch where the account was opened. I turned in requested information and branch representative made copies and emailed documentation showing that CH # XXXX had cleared. As of XX/XX/2022 there was no communication from Fraud Management. I called and filed a formal request again to be contacted. As of today, XX/XX/2022 I have not heard back. Currently the money shows available in the online banking App and Website, but we have no ability to move that money other than closing out the account per TRUIST customer Service and Fraud Management call reps. We have a total of 8 business accounts and this particular Checking and Savings account associated with XXXX, LLC are the only two that currently have holds on them. We would prefer not to close the accounts, but the branch manager and regional manager have said they can not do anything because this was a 'back office ' decision. I would like to understand what was done on our part to trigger the Fraud Department 's decision to close these particular checking and savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. as well as the 15 USC 1681a ( 2 ) ( B ). I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit card or prepaid card

I have the XXXX XXXX credit card from Comenity Bank. I have not used the account in the last few years. On XX/XX/XXXX I was charged {$100.00} on the card to be part of the XXXX XXXX. I however was not informed of this by XXXX XXXX. I reached out to XXXX XXXX on XX/XX/XXXX when I realized that I had been charged and was being charged a late fee. XXXX XXXX   said they sent emails on XX/XX/XXXX and XX/XX/XXXX but I provided screengrabs that I did not receive any emails about this and XXXX XXXX reversed the charge. 

Comenity Bank manages the credit card. I reached out the bank and they were only willing to take off 1 of the late fees. I had a past due account and wanted to close it. Even though I was unaware of the charge and did not consent to it and XXXX XXXX even reversed it they did not care and when I said that I should be not be responsible for paying it they closed the account and sent the information to the national credit rating agencies. I have copies of all of my messages. I was past due on an account I didn't know even had a balance because I did not consent to the charge and they were entirely unwilling to be understanding, especially since after the charge was reversed the only balance was late fees and interest on a charge that was no longer there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Comenity CapitalXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX did a hard inquiries on my credit report. I did not apply for any credit through this company. I called and they informed me that there was an application however the address didn't match mine. They said that they would contact the credit agency however the inquiry is still on my report
Product: Credit reporting or other personal consumer reports

The negative marks are on my credit report, and I asked them to remove them. I am also trying to see why my loans have not come off of my report after 7 years? I do feel that the credit bureaus are a joke and do need to be investigated themselves for reporting inaccurate information.
Product: Checking or savings account

Today is XXXX, and about 20 minutes ago I created an online account with XXXX XXXX XXXX XXXX to purchase one ticket for tomorrow 's event at XXXX XXXX. 

Upon clicking submit to proceed with checkout, a box popped up in red and said DECLINED. So, I tried it again, and it said DECLINED and disappeared again. It's not as if it said DECLINED and stayed on the screen. So, I logged into my Bank of America online ledger and XXXX XXXX charged me {$29.00} TWICE. Then I logged into my inbox, and there wasn't any email confirmation or tickets. So, I notified CFPB online. Then I called the XXXX XXXX. Clicked the option that said ACCOUNTING. 
XXXX answered my call. She then said, " As of right now we do not see that you purchased a ticket. The funds should be back in your account in a few days. If they are not in your account, give us a call back. '' I've chosen not to wait for the transactions to clear to then request a refund. I'm choosing to request a refund now. 

XXXX said they didn't see any purchase so, there's no tickets.
Product: Mortgage

IN XX/XX/XXXX I TOOK OUT A LOAN WITH HOUSEHOLD FIN FOR XXXX AND MY PAYMENTS WERE XXXX ON THE XXXX OF THE MONTH ON A FIXED RATE, AT SOME POINT THEY GAVE THE LOAN TO XXXX, I CONT. TO PAY IN XX/XX/XXXX THEY SOLD THE LOAN TO BENAFINICAL AND MY HUSBAND DIED IN XX/XX/XXXX WHICH I CONT TO PAY WHEN I NOTIFY ALL PARTIES INVOLVED THEY SAID THAT MY NAME WAS NOT ON THE LOAN IN WHICH I DID SIGN SO I CONT TO PAY AND THEN THEY RAISED THE LOAN TO XXXX TOLD THEM IT WAS A FIXED RATE SAID NOT THERE PROBLEM PROVE IT AND I JUST CONT TO PAY XX/XX/XXXX THEY TRIED TO RAISE MY LOAN AGAIN TOLD THEM I COULD NOT AFFORD THIS AND THIS LOAN SHOULD BE PAID OFF BY NOW I MADE A PAYMENT IN XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX AND THEN THEY STARTED SENDING ME MY PAYMENTS BACK SAYING THEY ARE GOING TO FORECLOSE ON MY HOUSE TOLD THEM THAT I HAVE PAID THEM OVER XXXX HOW DO I STILL OWE OVER XXXX, THEY SAID THAT THEY CANT TALK TO ME I HIRED A ATTORNEY AND GAVE HIM POWER OF ATTORNEY AND THEY WONT TALK TO HIM, I FEEL AS THOUGH THEY ARE RIPPING ME OFF I NEVER MISSED A PAYMENT EVEN WHEN I DI MY CHAPTER XXXX I CONT TO PAY THEM .. ALL I WANT IS MY PAYMENT HISTORY BECAUSE THEY ARE SAYING THEY WILL SETTLE FOR XXXX I THINK THAT IS A BIT MUCH ON A XXXX XXXX LOAN I AM XXXX YRS OLD AND XXXX I CANT FIGHT THIS ANYMORE AND EVEN THOUGH MY HOUSE IS MY MAIN CONCERN CAN YO U PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$160.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.