23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Unfair and improper public credit report questions were asked to me. An unlawful credit block incurred on my account. This is due to a XXXX XXXX, at the XXXX XXXX branch XXXX CA. It appears to me that XXXX XXXX mislead me to beleve that he helped me he did not. He actualy set it up to the credit block incur. 
XXXX could this bank treat me in such a way they can not. They do not know me it appears that they are being coached by superiors in the system. And the do not know me as well. It has to be coming from the chain of command. Do it is in my professional opinion that it is the chain of command HOWEVER... 
It is via email or electronic communication w/ the name of a superior but it is not the superior at all rather a shot called by a sophisticated hacker. Overlooked by all involved because unfortunately we trust and believe all on the screen so why question it? It is not therefore the problem commences all that is affected is only me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report today, I was shocked to see an unauthorized inquiry that I did not recognize. I frequently monitor my report, and this unexpected issue has left me feeling anxious. Despite refreshing my browser multiple times, the inquiry did not disappear. I am truly frustrated and demand an immediate review of my submitted documents to resolve this problem once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry appears on my credit report and have reached out to DT Credit by mail on XX/XX/XXXX where they never responded. 

Called ON XX/XX/XXXX DT CREDIT and they stated they can not remove the inquiry that only XXXX Called ON XX/XX/XXXX XXXX and they stated they can not remove the inquiry that only DT CREDIT CAN. 

Inquiry XX/XX/XXXX I have no idea what DT Credit is and they do not provide me with anything and would like this inaccurate inquiry removed
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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  Balance : {$0.00} XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Student loan

I used to have my student loans serviced through navient. I graduated in 1998 and was unable to pay the amount they wanted monthly. They never offered income driven repayment and kept putting me on forebearance. My {$3000.00} loan is now {$110000.00}. I did make some payments and then consolidated and am now with XXXX. Because they did not tell me about the income based repayment, I am now saddled with a large outstanding amount due to interest collecting. Never did they offer an alternative so that I could pay what I could afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XXXX  Reporters XX/XX/XXXX EXXXX  XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX   XXXX Miscellaneous XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX BANK All Banks XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX   XXXX Bank XX/XX/XXXX TransUnion XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ExXXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion LXXXX  - XX/XX/XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX Reporters XX/XX/XXXX XXXX XXXXXXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX  XXXX - XX/XX/XXXX XXXX   XXXX CARD - XX/XX/XXXX XXXX   XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Finance - XXXX XXXX   XX/XX/XXXX XXXX XXXX CARD - XX/XX/XXXX XXXX
Product: Bank account or service

When I first signed up for Bank of America card, they gave me what was called " XXXX XXXX for Students ''. They told me there will be NO monthly fees, NO yearly fees, NO restrictions of how many deposit I should make, and NO HIDDEN FEES, that is what I signed up for. I noticed in past few years that my checking account amount continues to decline, but I never could figured out why. When I noticed my checking account goes into negative outstanding balance, I decided to do investigating and found out that BOA has been deducting hidden monthly fees {$12.00} of what they called " Monthly Maintenance Fee '', which also caused overdrafted because of this monthly maintenance fee which caused my balance goes into negative. I immediately called BOA today, got transferred three times while explaining to three different agents, and finally transferred to higher-up supervisor name " XXXX, in PA XXXX '' XXXX PST on XXXX XXXX, XXXX. She acknowledged that I signed up for XXXX XXXX, she explained it 's no longer exists in BOA, and that after 5 years of XXXX XXXX, it will become " normal account '' due to age or no longer as a student. I told her I never knew about this, I was never notified, and I never opt-in for this new policy from " XXXX into Regular Account '' after five years, I demanded where is my opt-in agreement and she could not provide me XXXX. She acknowledged that I have not opt-in for this new change on my XXXX XXXX XXXX account, she said " the best I can do is give you back three months of {$12.00}, which means you will get back {$36.00} ''. I demanded full refund because I never opt-in for this new change policy, never submitted to monthly maintenance fees. She said her hands are tied, but she 'll submit my report case to much higher up in the Bank of America Corporation. I told her I will file complaint to Consumer Finance Bureau, she said I should do that too as well, because her " hands are tied ''. She repeatedly tells me that the best she can do is give me back three months worth of Monthly Maintenance Fee ( total of merely {$36.00} ). They started deducting this hidden fee since XXXX, I calculated to total of {$490.00} they took me! It 's no wonder why my checking account continues to decline, I demanded full {$490.00} refund, and she said to file CFPB report because there 's nothing else she can do for me. She probably thought I wo n't do it, but I know my rights!
Product: Credit card or prepaid card

XX/XX/XXXX My wallet was stolen. {$4900.00} was charged to my Bank of America card at a nearby XXXX 's XXXX ( a store I have never shopped at and do not have a membership to ). I responded to alerts on my account, discovered the theft of my entire wallet, shut down my bank and credit accounts and replaced my driver 's license. 
XX/XX/XXXX BA credited me for the fraudulent charges. Great. 
XX/XX/XXXX BA opens a fraud dispute and charges me {$4900.00}. When I investigate these charges, I am told that the initial claim was filed incorrectly ( asserting that the card was still in my possession ) and they would need to resubmit. 
Since then, I have called and spoken to representatives on ( at least ) the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time, I have to lead the fraud specialist through the situation, as if there are no notes on my account. As of today, I still have not been repaid. I am a small business owner and this theft put me in the red for XXXX. 
It is worth noting that other cards from my wallet were also used. Every other company resolved the fraud issue quickly and efficiently. I have been using BA products since XXXX, as they like to remind me on every enraging phone call, and have charged hundreds of thousands of dollars to this account. The frustration is almost as bad as the theft.
Product: Student loan

Navient is not processing my requests for a copy of the promissory note for a student loan. 
I requested over the phone from XXXX XXXX ID Number XXXX that she send me a copy of the promissory note on XXXX XXXX, 2017. I called back later on XXXX XXXX, 2017 and talked with XXXX in the Office of Consumer Advocate. XXXX told me that the request I made on XXXX XXXX was not processed. So I asked XXXX over the phone to process a request for the promissory note on XXXX XXXX of 2017. I have not seen a copy of my promissory note from Navient yet in the mail. I called back on XXXX XXXX or XXXX and spoke with XXXX XXXX in the Office of the Consumer Advocate to see if that the promissory note request was processed in the computer and XXXX XXXX confirmed that the request had been made. I still have not seen my promissory note in the mail. I want a written explanation as to why Navient will not send me a copy of my promissory note to me. I hereby request through this complaint on XXXX XXXX that Navient send me a copy of my promissory note through certified mail. Thank you. If you do not honor the request made by phone on XXXX XXXX, then you need to send me an explanation as to why you will not honor that request. If you do not honor my request today XXXX XXXX XXXX, 2017 ) through this complaint filed with CFPB, then you need to send me an explanation as to why you will not honor this request for my promissory note. Thank you.
Product: Credit reporting or other personal consumer reports

Statement Regarding Unauthorized Sharing of Transactional History To Whom It May Concern, I, XXXX XXXX, am issuing this statement to address the unauthorized sharing of my transactional history by Self/Lead Bank XXXX This egregious violation of my privacy rights has caused me significant concern and distress. I wish to highlight the numerous laws and regulations that have been violated as a result of this unauthorized sharing. 

First and foremost, Self/Lead Bank 's actions are in direct contravention of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, which defines the term " consumer report '' as any communication of information by a consumer reporting agency that bears on a consumer 's creditworthiness. By sharing my transactional history without my permission, Self/Lead Bank is effectively creating a consumer report without adhering to the strict regulations outlined in the FCRA. 

Furthermore, Self/Lead Bank 's actions violate the Gramm-Leach-Bliley Act ( GLBA ), particularly 15 U.S. Code 6801, which emphasizes the importance of protecting the privacy and security of customers ' nonpublic personal information. By sharing my transactional history without my consent, Self/Lead Bank is failing to uphold its obligation to safeguard my confidential financial information. 

Additionally, Self/Lead Bank 's unauthorized sharing of my transactional history may constitute a violation of state privacy laws, including [ insert relevant state privacy laws if applicable ], which further reinforces the severity of this breach of privacy. 

Moreover, Self/Lead Bank 's actions demonstrate a lack of compliance with its own privacy policies and disclosures, as required under the GLBA and other relevant regulations. Failure to obtain explicit consent before sharing sensitive financial information is a clear violation of these policies and disclosures.

In conclusion, I demand that Self/Lead Bank immediately cease and desist from sharing my transactional history without my explicit consent. Furthermore, I expect full compliance with all applicable laws and regulations governing consumer privacy and data protection. 

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

I called XXXX and TransUnion after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to XXXX and TransUnion on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that these accounts will be corrected. 

XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$3100.00}
Product: Mortgage

I received a letter from Ocwen 's Office of the Consumer Ombudsman. In the letter it is stated that " The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. '' How does Ocwen 's Office of the Consumer Ombudsman intend to provide assistance with unresolved concerns and issues if it follows the same script as Ocwen 's Customer Services and Ocwen 's Research Department? Should it do any of the research on its own or just repeat what the other XXXX offices are saying? 
It is also stated in the letter that " On XXXX XXXX, 2015, Ocwen received {$3300.00}, although it was {$0.00} short of the amount due ( {$3300.00} ) the funds were applied as the XXXX XXXX, 2015 payment. '' This is the same incorrectness as stated by Ocwen 's Research Department and the Escalation Managers in Ocwen 's Customer Services. 
Attachment 1 : my bank statement identifying the amount of the payment on XX/XX/XXXX was {$3300.00}. 
Attachment 2 : copy of my check to Ocwen dated XX/XX/XXXX for {$3300.00}. 
Attachment 3 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having received two payments from me on XX/XX/XXXX. One in the amount of {$1000.00} and another for {$2300.00} ( which by the way equals {$3300.00} ). 
Attachment 4 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the two payments from XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$2300.00} and {$0.00}. Along with two other transactions from XX/XX/XXXX and XX/XX/XXXX. 
WHAT HAPPENED TO THE OTHER {$1000.00}? 
Attachment 5 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the two payments from XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with seven other transactions from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Attachments 6 & 7 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the payments from XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with eleven other transactions from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As a Federally protected Consumer I am opting out of any and all authorization I the consumer may have given whether written or verbal or implied per title 15 USC 6802 and the Privacy Act of 1974. I called the number provided by XXXXXXXX XXXX website for their privacy policy. Requested to opt out of XXXX XXXX XXXX sharing my non public info. The representative I spoke with whose name is XXXX ID # XXXX  told me there was no opt out option available. This interaction took place XX/XX/XXXX XXXX
Product: Student loan

MOHELA is unable to locate XXXX payments made through my XXXX XXXX XXXX XXXX. XXXX has confirmed these payments were sent to MOHELA and are pending their acceptance of the payment and processing of the payment, I can also see this same information reflected in my XXXX payment portal. The money has very clearly left my XXXX XXXX account. I have called several times to try to get the issue resolved. I am often put on hold for over an hour and have been hung up on twice. I was finally able to open an investigation request on XX/XX/XXXX and was told I would be contacted in 5-7 business days when the investigation would be completed. I did not receive a callback. I reached out to MOHELA again to find out the status of my investigation request and was told it is still pending and waiting to be processed, a month after I opened the request. I can confirm the payments were sent to the correct address as it is written in a message directly from MOHELA. I keep making payments only for MOHELA to not process them and have no record of them, making my account delinquent. The customer service agents I speak to are never able to do anything more than tell me they have no record of a payment attempt and supervisors do not answer their phones. 

Payments are : XX/XX/XXXX {$25.00} and XX/XX/XXXX {$25.00}
Product: Credit reporting or other personal consumer reports

My personal information was impacted by The Equifax Data Breach
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Will Not Let Me File A Dispute. XXXX : After receiving 5 emails from XXXX that there was derogatory info posted on my Equifax report, I tried to view my Equifax report and file an online dispute with Equifax. I entered all requested info on the Equifax form multiple times [ name, SSN, address ]. Each time I was given a page of 4 multiple choice questions to verify my ID. Each question asked about credit cards I 've never had, banks I 've never heard of or dealt with. I 've never had an auto loan in my life!. I completed my last XXXX in XXXX and have no outstanding student loans. So the correct answer to each question was " none of the above ''. That generated a page saying " Unable to Confirm Identity ''. Tried spelling my name exactly as it is on my SSN card [ slightly longer ]. Now Equifax could n't find my file & did n't even offer security questions. Friday XXXX, I phoned Equifax with these problems. Spent an hour talking to 3 ladies in the XXXX, including the supervisor. She said she filed the complaint for me and gave me a 10-digit confirmation number. She could not mail me a copy of what she wrote down as my complaint, so I could be sure she got it right. Tried entering the XXXX digit confirmation number today at Equifax site. Got " Unable to process your request '' .Help!
Product: Debt collection

Have made numerous attempts to contact collection agency to resolve my debt. Today is XXXX/XXXX/16 and I was promised a call back 3 weeks ago from the girl that is handling my account.
Product: Credit card or prepaid card

There is a collection placed by XXXX XXXX. All of my XXXX XXXX accounts were filed in bankruptcy. I believe this account to be erroneous.
Product: Checking or savings account

Multiple overdraft fees of things processed on the same day. XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$35.00} was charged for each of these dates.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to address my reinvestigation request for the XXXX XXXX XXXX account on my credit report. On XX/XX/year>, I sent a certified letter to TransUnion requesting a reinvestigation of this account, which included all necessary documentation verifying my identity. In response on XX/XX/year>, I received a stall letter from TransUnion stating that they do not believe the letter was sent by me, despite having included all identifying documents as instructed. This response is wholly inadequate and dismissive of my rights under the Fair Credit Reporting Act ( FCRA ). I have taken all steps to properly authenticate my request, providing clear identification, proof of my address, and any other information TransUnion might need to confirm my identity. I am formally requesting that TransUnion complete the reinvestigation I requested, as they are legally required to do. Furthermore, I demand that TransUnion provide me with a comprehensive report of all findings, actions taken, and any updated information on this account. Please be advised : If TransUnion sends me another stall letter or fails to take action on my certified request for reinvestigation, I intend to take legal action. This noncompliance and delay tactic violates my rights and disregards the obligations TransUnion holds under federal law. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS IN VIOLATION OF MY CONSUMER RIGHTS. XXXX XXXX WILL NOT REMOVE FRAUDULENT ITEMS OFF MY REPORT AND HAS ALL THE EVIDENCE. I H AVE SENT IN PROPER DOCUMENTATION TO RMOVE ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRIES AND XXXX XXXX HAS VIOLATED MORE LAWS. XXXX XXXX IS IN VIOLATION OF : 1 ) 42 USC SECTION 408 - PENALTIES 2 ) 42 USC SECTION 405 ( c ) ( 2 ) - EVIDENCE, PROCEDURES, AND CERTIFICATIONS 3 ) 15 USC 1601 - TRUTH AND LENDING ACT 4 ) 15 USC 1602 ( g ) - DEFINITIONS AND RULES OF CONSTRUCTIONS 5 ) 18 USC 1028 A - XXXX XXXX XXXX  XXXX ) 15 US Code 1681a ( 2 ) ( B ) - XXXX XXXX XXXX, XXXX XXXX ) 15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT XXXX ) 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 9 ) 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 10 ) 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 11 ) US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 12 ) 15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 13 ) 15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 14 ) 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 15 ) 42 USC 408- ALSO ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN XXXX INFORMATION THAT DOES NOT BELONG TO ME. YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! I WILL BE SEEKING {$1000.00} PER VIOLATION, DAMAGES AND PAIN AND SUFFERING.