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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX Account # XXXX Open Date XX/XX/2021 Balance {$140000.00} ( 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: Checking or savings account

Capital One mailed me a check for remaining funds in my 360 Checking account, a total of XXXX. Check was received on XX/XX/XXXX, deposited to my XXXX account the same day. A stop payment was placed by Capital One which has caused XXXX account to become overdrawn the entire amount of the check plus ten overdraft fees in the amount of XXXX each and a returned check fee in the amount of XXXX, a total of XXXX. Prior to all this occurring, I spoke with several supervisors, one by the name of XXXX ... They were able to get a member of the Security in take team on the phone, a XXXX .... She stated she spoke with an investigator and was instructed she could go ahead and close out account, get check sent for remaining funds, a total of XXXX. A check was received on XX/XX/XXXX via mail, however, a stop payment placed on it as stated prior. I am now overdrawn this amount plus XXXX, a total of XXXX. I need a check for this amount ASAP. I've left message for a XXXX XXXX, about seven in total, she had not returned them.
Product: Money transfer, virtual currency, or money service

This is a complaint against Western Union : I made a money transfer to XXXX of {$2000.00} on XX/XX/2023 and was charged a transfer fee of {$170.00}. I made the same kind of transfer on XX/XX/2023 for {$2000.00} to the same recipient and was charged a transfer fee of {$50.00}. My question ( which was not answered by the company when I called to find out ) is why the increase of {$120.00}?
Product: Checking or savings account

Hello there, I was sent an email by Capital One to bring XXXX to my saving account and maintain the money till XX/XX/XXXX to earn a bonus of {$450.00}. I deposited XXXX into my account and maintained the money for the specified period but Bonus was not deposited into my account as of XX/XX/XXXX. I contacted their customer service multiple times and they have no clue when my bonus payment will be made except for telling me to wait 60 days. I have attached copy of email sent by Capital One showing the promotion. 

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

We submitted disputes with all 3 credit bureaus for a collection account XXXX funding that was not responding and double reported the debt for XXXX XXXX. XXXX  XXXX bank was paid off but XXXX funding is still showing a balance even after our disputes began XXXX. 

The bureaus stated that they verified the information ...? how is this possible when the company hasn't verified with us the debtor. 

Please help us get this resolved. Attached is the letters we sent XX/XX/21
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Student loan

XXXX XXXX is asking me for information that if you are my loan servicer should already have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting for months to get Chase Bank to correct a negative report ( 30 plus days late ) on my credit report. They have refused to cooperate, claiming the report is accurate ; I filed disputes with the credit reporting agencies, to no avail ; I even retained an attorney ; Chase ignored her letters. The payment in question was only two weeks late, and the reason it was late is due to the fact that my automatic payments needed to be reauthorized, and I was not informed of this fact. Once I realized the payment was late, I immediately phoned Chase to make the payment, and reauthorized the automatic payments. In short, I have acted in good faith -- and Chase has refused to do the same. 

The document attached shows the payment going out on XX/XX/2019 -- the payment was due on the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15USC section602 states I have the right to privacy.

15USC 1681Section604A Section 2 ; its also states a consumer reporting agency can not furnish a account without my written instructions
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 federally protected consumer rights to privacy and confidentiality under 15 USCC 1681. 
XXXX XX/XX/XXXX past due {$190.00} XXXX XXXX  {$1800.00} Balance {$180.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX past due {$200.00} XXXX XXXX {$300.00} Balance {$870.00} XXXXXXXX XXXX current XX/XX/XXXXXXXX XXXX XXXX  {$2500.00} Balance {$10.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX open and reported XX/XX/XXXX open Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX reported XX/XX/XXXX open balance {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX open XX/XX/XXXX reported XX/XX/XXXX open balance {$200.00} XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported XX/XX/XXXX open balance {$88.00} XXXXXXXX XXXX XXXX XXXX open XX/XX/XXXX reported XX/XX/XXXX closed Balance {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX  open XX/XX/XXXX reported XX/XX/XXXX closed Balance {$3100.00} XXXX XX/XX/XXXX past due {$2200.00} high balance {$2200.00} account XXXX XXXX XX/XX/XXXX past due {$42.00} high balance {$250.00} balance {$210.00} XXXX. XXXX XX/XX/XXXX current high balance {$320.00} XXXX XX/XX/XXXX current {$0.00} XXXX XX/XX/XXXX current high balance {$980.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX reported XX/XX/XXXX closed balance {$1400.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section States : 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: Student loan

In XXXX, I found out that I was a " Cosigner '' on my daughter 's student loan when it was in default. 
I asked many times for the original loan documentation, as I did not sign anything for her loans. They reply with information on Identity theft, and referred me to the fraud department. 
As I have not seen anything, at all, of the original loan documents I have no way to determine anything. Meanwhile, I was receiving over seven calls a day ( documented ) telling me I was in default. I would call back each time and ask they stop calling me, and informed them I had paid the past due amount. They called for approximately 9 days after I had paid. 
I also took a huge hit on my credit, and still had no knowledge or information on this loan. I paid the past due amounts to save my credit, and am making payments I can not afford, and still after two written letters have had no response from XXXX XXXX regarding the documents I may ( or may not have signed ). I was told the only address was to the fraud department. They replied with instructions on how to file a police report on my daughter. But nothing on the loan, no supporting documentation on the loan, and nothing I had signed ... 
She does have student loans, and all are cosigned by her father, who has an income. I was, at the time, a housewife, barely making minimum wage. I am now employed, but the loan 's payment is almost half my salary. I have no knowledge of this loan, no answers from XXXX XXXX, and am paying just to keep my good credit - which has been hurt by late payments on a loan I have no knowledge of, nor have seen any papers showing I co signed anything? 
How can I be basically blackmailed to make payments on something they refuse to prove I signed? 
I have also asked for some sort of repayment plan or reduction in payments - and am told the only thing I can do is pay {$150.00} for a month deferment, while interest is compounding and nothing is accomplished. Additionally, the interest rate is 11.6 % and keeps going up. The loan was reported to be for {$30000.00}. They now claim I owe {$53000.00}. I'm XXXX years old. I could never pay this in my lifetime ...
Product: Student loan

The student loan company refused to allow income based repayments while in school. Furthermore they failed to adhere to proper income based repayment structuring. The company continually improperly advised the student such that they would collect the maximum interest thereby making it impossible to payoff. Finally they have reported the loans in delinquent status while on automatic payments are being bade and are in full compliance. With approximately 7 % interest on the loans the interest alone is {$25000.00} a year which is compounding into the principle is increasing yearly.
Product: Credit reporting or other personal consumer reports

i recently pulled my credit report and noticed that they were reporting against fcra standards. Please explain how i owe this same alleged debt to XXXX companies? 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was unexpectedly laid off from my job in XXXX 2013, that lead to financial hardship that caused me to miss some mortgage payments. After going back to school and testing I started working as a realtor. During that time we applied for a loan modification with PNC bank. We were a customer for over XXXX years with a solid history of making mortgage payments. After being accepted for a loan modification, which would increase my monthly payment {$400.00} dollars, I appealed to have my mortgage payment lowered to where it was before. The appeal was turned down. I then accepted the terms offered to me but was turned down because they said I waited too long to accept their terms. I then was instructed I would have to re apply and submit a new packet to be considered again. After a almost two years of sending PNC my financial docs and letters of employment I was turned down again. They said the process had taken too long. All during this time my financial position has gotten better, I am working XXXX jobs and my wife works as well. We are making enough income to resume making our mortgage payments. I believe that PNC has not acted in good faith during these negotiations. I was called on the phone XX/XX/XXXX and was told I had one more opportunity to re submit a packet for review. I sent in a new packet and called PNC a day later to make sure they had received it. They say they had but were closing my file because I had been turned down twice previously. They did not even review my application, even though my income is well above the amount needed to make my mortgage payments. I did not receive any notice in the mail that said my app was rejected and no reason given. This is bad faith negotiation. I believe the real reason is because the amount I owe the bank is {$220000.00}, and they bank has appraised our homes value at over {$400000.00}. The bank wants to take my home so they can profit from its sale. This was after they previously appraised my home in the {$260000.00} range. Therefor, I believe that PNC Bank did not negotiate with me re my loan modification with good faith. I submitted paperwork and financial info they requested and they did not review them, thus making a decision to take my home based on bad faith negotiation. It is not fair to me, my wife and XXXX kids, my neighbors, my block I live on, the community or city. The only one standing to benefit is PNC Bank.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sold an XXXX XXXX XXXX on XXXX XXXX. The buyer wanted to pay me via Venmo. I never had a Venmo so I downloaded the app and opened an account. It went smoothly and I verified my account and added a debit card. The next day I met the buyer and she sent {$650.00} to my Venmo. I went home and tried to transfer the funds to my bank. I got a system error and then I received an email stating my account has been suspended. They say its because of fraudulent activity but they will not tell me what. This was the first time Ive used the app. Two days later on XX/XX/XXXX I got an email stating my services with Venmo are terminated. They still wont tell me why and then email states the funds in my account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. That statement is very misleading. Also I need my funds now as I am unemployed and have kids to feed. I didnt do anything wrong. Also if you XXXX this issue it has happened to a lot of people and no one has ever received their funds after the 180 days. All I want is for my funds to be released and to close my account. I will never use Venmo again.
Product: Debt collection

I had an unpaid balance of XXXX with XXXX XXXX for last electric bill owed at previous address XXXX XXXX XXXX XXXX XXXX, fl XXXX. I sold this property and relocated to another address, If notice was mailed, I never received notice of unpaid balance at new address in XXXX, fl. I was informed of balance from debt collection agency XXXX  XXXX XXXX at which I was given 10days to pay in full. I immediately paid off the XXXX balance once notified of this, however, Its now showing on my credit report as delinquent!! It has been paid off in full!! a
Product: Student loan

When my loans were moved ( as if I and my family 's ambitions make us into cattle transferred from one slaughterhouse to to another ) from XXXX to Maximus in XX/XX/2023, I received confusing emails from XXXX that I couldn't confirm as spam or not. I finally investigated the Aidvantage website and immediately found non-functional webpages, which made me more uncertain. 

I finally decided Aidvantage had probably acquired our debt legitimately and that I had the correct website. I set up my login and immediately found out that Aidvantage does not use two-factor authentication. This makes my payments and my loans insecure, and as the attached correspondence from XXXX XXXX indicates does not seem to be a priority fix at all. 

I hope the management of the CFPB understands just how much of a painful burden my family 's ambitions to pursue publicly valuable knowledge has placed on us. CEO XXXX XXXX XXXX has an astounding net worth of {$35.00} XXXX dollars. He is like a vampire, and the fact that he and his executive team are unwilling to even create a reliable infrastructure for us to transfer our hard-earned income to his wallet must be addressed by my federal government. 

I also contacted my congressional representative and their staff refused to get involved because Aidvantage is a " private relationship. '' This is a public loan, a federal loan. Has it really been totally privatized so that this vampire is unaccountable to us as American citizens?
Product: Checking or savings account

Citizens Bank processed a {$12000.00} debit transaction on XX/XX/year>. I informed them that the transaction was not authorized and was fraudulent. Citizens Bank reached out to the originating bank and on XX/XX/year>, informed me they ( Citizens Bank XXXX had concluded the transaction was " valid '' and provided me with paperwork purporting to support the transaction. I called Citizens Bank and pointed out issues with that paperwork that made it suspicious and unpersuasive. Citizens Bank informed me that they would conduct a " Second Level '' review and get back to me. That " Second Level '' review was never conducted despite numerous requests by me and assurance from the bank. 

See documentation attached.
Product: Credit reporting or other personal consumer reports

According to the Consumer Financial Protection Bureau ( CFPB ), Equifax has a history of failing to investigate consumer disputes properly, even leading to legal action for non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a thorough reinvestigation of disputed items within 30 days. Any inaccurate, incomplete, or unverifiable information must be removed. 

I am disputing the following items that should have already been resolved : XXXX XXXX XXXX XXXX - XXXX - {$1000.00} XXXX  XXXX - XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - {$650.00} XXXX XXXX XXXX - XXXX - {$20000.00} XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have provided supporting documentation multiple times, yet these errors remain. This failure to act is causing ongoing financial harm. I expect a proper investigation and resolution immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional acceptance corporation has and hard inquiry on my credit report from XX/XX/2018 can not get incontact with this company, I have never went into any car dealer to purchase a vehicle called the number that's on my credit report and it just goes to voice mail XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX College in XXXX KS was shut down due to misconduct and fraudulent activities within their organization. I feel they lured students in to profit off individuals looking to better them self. I have filed for the Borrowers Defense application process to have my loans discharged. The negative impact that it is having on my credit report is major and I continue to get no answers as to when a decision will be made from the Department of Education. Navient the lender is impossible to get in contact with to follow up with the process. As well as the Department of Education. I do not feel I am responsible for said loans as I was lied to and preyed upon as many other were.
Product: Debt collection

After carefully inspecting my credit report, I noticed several accounts that I believe are fraudulent and were added without my authorization.
Product: Credit reporting or other personal consumer reports

My complaint centers on Innovis, reported inaccurate and private information, which has adversely affected my consumer report. Your actions have caused profound personal and emotional harm to both my family and me, resulting in a distressing situation that has left us severely affected. They are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.

1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX offered to extend my contract and move my payments for XX/XX/XXXX and XX/XX/XXXX to the end of my contract. I agreed to the arrangement and made a payment of over {$1100.00}. Instead of marking my account as " paid as agreed '' for the month of XX/XX/XXXX as originally stipulated, XXXX has erroneously marked my payment for XX/XX/XXXX as late. This is negatively impacting my credit score and I need it fixed immediately. Additionally, XXXX has failed to report my last two payments in XX/XX/XXXX and XX/XX/XXXX which is also negatively impacting my credit score. Finally, XXXX is not reporting this account to Equifax which is also negatively affecting my credit score.
Product: Student loan

I file this complaint to compel MOHELA to honor my request to change my payment due date back to the XXXXt of each month. My payment due date was the XXXX of each month prior to the XXXX administrative forbearance. I discovered that MOHELA changed my due date to the XXXX of each month for unknown reasons on XX/XX/2023. I called MOHELA on this date to request that my due date be changed back to the XXXX. A MOHELA representative assured me that my request would be processed before payments resumed in XXXX of XXXX. However, that assurance did not come to pass. In fact, XXXX billing statements have been generated without my request being processed. Such statements are attached. I sent MOHELA the attached email on XX/XX/2023, requesting an update on my request. I never received a response to this email. It should be noted that I never authorized MOHELA to change my due date to the XXXX in any event. I would like my request processed forthwith.
Product: Credit card or prepaid card

Suntrust Bank allowed XXXX XXXX company to withdraw XXXX from my checking account. This was not an authorized transaction. I pay my XXXX insurance bill online monthly and authorize the amount myself. Suntrust and XXXX have violated the Privacy Act and has charged me an additional {$36.00} for overdraft fees. I spoke with XXXX and they were able to refund {$240.00} to my checking account, but not the full amount due to " limited data or information ''. This transaction was completed from my Suntrust Check card which I did not authorize. SunTrust stated the transaction was authorized by me, but with no proof.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. XXXX XXXX  Account # XXXX is fraudulent. 

A list of inquires has been added to FTC Identity report attached to this Applications ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to my credit report. I demand the account be remove from my credit.