23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Was happy customer of XXXX XXXX .bank bought out XX/XX/XXXX by seacoast Bank XXXX I live in XXXX but a Us citizen. Never received debit card?, they promised XXXX XXXX to move money and close acct. Never complied. Tried to do a wire transfer to a friend in XXXX XXXX XXXX XXXX acct nada. Spoke wut various managers over this month including XXXX XXXXXXXX XXXXr manager. Communication very difficult from XXXX as no land lines. Don't even know my acct numbers! My XXXX acct XXXX Thank you
Product: Student loan

This is a problem with MOHELA and an incorrect monthly payment. 

My loans were originally through XXXX. After I made first payment for XXXX, I was switched to MOHELA verifying my employment for PSLF. On XX/XX/XXXX, I got my first email from MOHELA confirming that my loan was transferred, and I needed to set up my account. On XX/XX/XXXX, I got a second email saying my loan payment was past due. When I checked my account on XX/XX/XXXX, my account had a past due payment for {$1300.00}, when my payment under PAYE should be {$330.00}. On my account under the " Income Driven Repayment Details '' tab, it is still showing the correct information under PAYE. 

I called MOHELA XX/XX/XXXX and was on hold for 100 minutes before I was able to speak to someone about my issue. After they spoke to a supervisor, they were still unsure why it was showing the correct information in my IDR Details, but that's not what they charged me. They said they would re-run my information and that should fix the issue. When I asked how long that would take, they told me 3-5 days. 

Just now, XX/XX/XXXX, I got a letter dated XX/XX/XXXX from MOHELA that my request was received and will be processed in the next 90 days. My next payment is due XX/XX/XXXX, which I also haven't gotten a statement for. I can't pay the {$1300.00} past due on my account, let alone the payment due XX/XX/XXXX when I should be paying {$330.00}. I have auto debit set up, and if the {$1300.00} had been taken out of my account, it would have overdrawn. I believe the only reason it didn't do that was because MOHELA didn't my have my account set up at the time the payment was due. I don't want to remove auto debit so I can get the discount on the interest rate, but I'm going to so I don't get charged unnecessarily. 

I also qualify for a loan assistance repayment program through the University XXXX XXXX XXXX XXXX and need to submit my application for that by XX/XX/XXXX. I need to submit my latest statement as part of the application, and I'm concerned I'll be denied if the statement isn't accurate to what my payments should be. Because of my income, the university should be paying 100 % of my student loans as long as I'm approved.
Product: Credit card or prepaid card

I WAS CHARGED ON MY BANK OF AMERICA CARD FOR SOMETHING I DID NOT AUTHORIZE CARD # XXXX FROM A COMPANY CALLED XXXX  XXXX FOR {$4100.00} ON XX/XX/10 WHEN I SAW IT ON MY STATEMENT I CALLED THEM AND LET THEM KNOW I HAVE NO IDEA WHO THIS SAID COMPANY IS AND I NEVER AUTHORIZED THIS TRANSACTION AND NEVER DID BUSINESS WITH THIS COMPANY. THEY TOLD ME THEY FILED A FRAUD COMPLAINT AND I WOULD GET THE CREDIT ON MY NEW CARD. WELL THAT NEVER HAPPEN. IM SO UPSET THAT THEY DONT BACK THERE CLIENTS AGAINST FRAUD. THIS IS SENIOR CITIZEN ABUSE. ITS NOT RIGHT. PLEASE HELP ME GET MY MONEY BACK
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding a recent experience with JPMorgan Chase 's customer service and communication related to XXXX. 

A few days after switching my mobile carrier from XXXX XXXX XXXX XXXX XXXX I received an email from JPMorgan Chase stating : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' The email urged me to contact Chase immediately if I had not authorized this change. Given the seriousness of the message, I promptly called customer service for clarification. 

The first customer service representative I spoke to conducted no investigation and insisted that the removal of my phone number was due to inactivity. This response directly contradicted the content of the email I received. Unsatisfied, I requested escalation. The second representative who took my call asked if I had recently switched carriers. Upon confirming that I had, the representative stated that this was the cause of the issue and attributed the change to XXXX, rather than Chase. 

I would like to formally raise the following concerns : First, failure to Implement Proper Third-Party Risk Management ( TPRM ) Controls By attributing the issue to XXXX, Chase has demonstrated a failure in its Third-Party Risk Management ( TPRM ) practices. This carrier-related issue has existed for over five years as per the 2nd customer representative, yet Chase has not established an effective control to prevent customer confusion. Proper risk management should ensure that such predictable disruptions are addressed proactively. 

Second, Inadequate Customer Communication The email I received was unnecessarily alarming as it stated " You have deleted '', and the issue itself likely affects thousands of Chase customers who switch carriers. Despite Chase 's representatives appearing well aware of this recurring confusion, no corrective action has been taken. A simple improvementsuch as including a note in the email stating, " If you have recently switched carriers, please re-add your phone number to your XXXX profile '' could prevent unnecessary customer distress. 

Last but not lease, unprofessional Customer Service and Lack of Follow-Through The first representative provided an incorrect and dismissive explanation, failing to resolve the issue effectively. Additionally, after the second representative identified the cause, I requested that the first representative call me back with a formal apology. I provided my phone number and was assured that I would receive a call within a few days. However, more than a week has passed, and I have not been contacted. This lack of follow-through is unprofessional and undermines trust in Chases customer service.
Product: Credit card

From XX/XX/XXXX to XX/XX/XXXX, I had a home mortgage serviced through Wells Fargo. The mortgage account was made using my maiden name as this was prior to my marriage, and the account has since been closed. 

In XX/XX/XXXX, I applied for a credit card with Wells Fargo using my married name, as it is now my legal last name. I was approved for the card and received it in the mail with no issues. Upon trying to set up online banking through Wells Fargo, I was denied access to the platform. I called customer service for assistance and was informed that because my social security number is tied to my closed mortgage account under my maiden name, I would be unable to access online banking for this new credit card account that was created using my married name. 

The only solution they offered to rectify this was for me to visit a Wells Fargo branch in person with the relevant documents to change my name. The nearest Wells Fargo branch is 86 miles from my home in another state and it seems unreasonable to demand that I travel that distance to change my name with the company, given that they have already verified my information to issue this credit card in the first place. My previous Wells Fargo account that is linked with my maiden name is inactive and irrelevant to this new credit account. I would never have opened a digital banking credit account with Wells Fargo if I knew that a closed mortgage account would restrict my ability to manage my credit account.
Product: Debt collection

In the summer of XXXX I received a letter from a company claiming to be " XXXX XXXX XXXX Saying that I owed them {$770.00} for a rental car in XXXX of XXXX. Claiming that I returned the car with a broken windshield. When I spoke to the company claiming to be " XXXX XXXX they could not tell me the model car, and didn't have any proof of damage ( pictures, etc. ) and when I wouldn't pay they just hung up on me. I figured it was a scam and forgot about it. 

Then I started receiving messages from a company called First Financial Asset Management and now they are claiming that they are trying to collect a debt on behalf of XXXX XXXX 

I called XXXX XXXX number and checked to see if I owed them money. XXXX customer service, suspension and claims dept. all said they have no record of this claim. That my account is not suspended and never had been. That they don't know what debt is trying to be collected, but that it is not them. 

When I relayed this information back to First Financial, they said " I don't know who you spoke to, but we do business for XXXX and they sent you to collections. '' I'm not sure what to do, but I know I do not owe any money. This Financial company is saying they work with directly with XXXX but will not share any other information.
Product: Checking or savings account

XXXX dollars were taken out by us bank with no authorization for the funds to be transferred into another account. 
Us bank is now telling me that it will take 10 business days for them to review my dispute and determine whether or not I will get my funds back.

This is totally unacceptable, they pulled the funds without authorization and now I have to wait to get my funds back. Where I come from that is theft...
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to all three credit bureaus ( XXXX, XXXX, and equifax. ) Regarding errors on my credit report as well as inquires on my credit report. I've sent letters out on XXXX XXXX 2021 as well as months prior. I've yet to receive any correspondence from either bureau Regarding this matter. I need all items removed from my credit report and made whole again.
Product: Credit reporting or other personal consumer reports

MOHELA/DEPT OF ED XXXX XXXX XXXX XXXX, MO XXXX XXXX Violated the PRIVACY ACT OF 1974 AND THE FAMILY EDUCATION PROTECTION ACT by providing my non public personal information to XXXX XXXX AND XXXX and I'm sure multiple others that I have not tracked down yet. They stated that they would not provide any of my personal transaction history with any non affiliates or third-party companies. All of the credit agencies are non affiliates of mohela/Dept of education.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I demanded updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your absence of reply, or responses which I categorize as frivolous, you have dishonoured FCRA regulations and my request for verification. If you request to correct this dishonour, I will give you one further chance to correct your faults and update my records. Please CORRECT the accounts, as they are already amended from the other bureaus. You have 30 days to CORRECT these accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They contacted me ( 3 times ) my mom and brother in a span of XXXX minutes on XX/XX/2023. They also discussed my debt with my brother mentioning a wage garnishment in an attempt to fear monger.
Product: Debt collection

I received a voicemail from a local number XXXX. She stated her name was XXXX but did not say who she works for. She stated I have 2 felony fraud charges and someone would be coming to my place of employment to detain me in the next 24 hours. The number to call back was XXXX. She also stated that the message was my legal notification of pending action.
Product: Checking or savings account

On XX/XX/2023 at XXXX I made a cash deposit of {$5000.00} ( XXXX {$100.00} bills ) at ATM # XXXX at the Capital One Branch located on XXXX XXXX XXXX , XXXX NY XXXX. The ATM malfunctioned and my funds were neither returned nor was it deposited into my checking account. This is unacceptable as I obviously need my funds in order to make necessary payment obligations. Capital One has not credited my account or contacted me back with an update despite the ATM being cleared out and the cash counted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Checking or savings account

Account has been closed by the bank, but they will not release my funds. Bank has also placed my funds as pending withdrawal for 7 days and counting, therefore I am not accruing interest either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair crediting reporting act .The list accounts below has violated my Federal protected consumer rights to privacy and confidential under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 It also states a consumer reporting agency can not furnish without my written instructions 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 cost to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX  XX/XX/XXXX
Product: Debt collection

My wife received a bill from a collection agency. Credence XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX for {$110.00}. The payment was to be Remit to : Credence Resource Management LLC, XXXX XXXX, XXXX, XXXX XXXX. 
Name : XXXX XXXX Creditor : XXXX XXXX XXXX Creditor Account No : XXXX Credence Reference ID : XXXX Balance Due : {$110.00} XXXX nor I have had any XXXX service in over 2 years and never received any bill. Our Insurance covered that XXXX service at the time. 

XXXX XXXX XXXX
Product: Debt collection

Someone opened an account with XXXX under my name without my knowledge. The account was placed in collections about eight months ago, balance owed XXXX. I filed a dispute with the three credit reporting agencies and the collection was removed from all three ( XXXX was removed XX/XX/XXXX ). 

First notification of this debt was received from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) Second notification was from XXXX XXXX ( XX/XX/XXXX ) Third notification received from Afni ( XX/XX/XXXX ) I dont understand how the same debt can be handled by three different collection agencies nor do I understand or think its fair that every time I fight to have the debt removed it is given to a different collection agency and the process starts all over again. 

This is an absolute violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. In 2018 I was contacted by the state of California that my social security number had been compromised. Someone had used my social security for employment, credit cards etc. I had consolidated my debt with XXXX XXXX XXXX contact Midnight Velvet for payment. They never completed the payment. I did not know Midnight Velvet had me down as a collection. Please remove all information from my credit report.
Product: Debt collection

Southwest credit system XXXX XXXX XXXX XXXX XXXX, Texas XXXX Pursuant to 18 USC 8, I owe no debt.This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.They also have no permission to report anything using my info pursuant to 15 USC 1681 4.
Product: Vehicle loan or lease

12 YO VEHICLE COMPANY TAKES ADVANTAGE OF WEARY CONSUMERS INCORRECT BALANCE AND PAYMENT INFORMTION IS BEING REPORTED TO THE CREDIT BUREAU EXORBITANT INTEREST RATE INITIALLY CHARGED AND NOT EXPLAINED PAYMENTS NOT BEING APPLIED CORRECTLY TO THE PRINCIPAL OVERCHARGED FOR AUTOMOBILE FRAUDULENT COMPANY PAYMENT IS {$620.00} ( XXXX APLIED TO PRINCIPAL AND {$360.00} TO INTEREST )
Product: Payday loan, title loan, personal loan, or advance loan

Good afternoon so I have been an XXXX customer for 6 years and never had an issue getting a loan. Well I have had to reapply for this loan 3 times do to XXXX XXXX. My bank does not do third party verification so I have to use XXXX XXXX. Which I did and on my end it says its been successfull. However I have been told my info was not received from them. But I called XXXX XXXX myself to see and the rep told me she can view my information and all ACE needs to do is login their portal add Request code : XXXX and they can view my information. Apparently your customer rep to your supervisor have no idea what this is or can help me. Im like call XXXX XXXX they say they can not. I am at my wits end. Can you please check on this for me. Customer name : XXXX XXXX telephone number, XX/XX/year> date of birth, XXXX last four of social. Thanks for your assistance
Product: Debt collection

I sent a debt validation letter in response to a recent charge that was made on my credit report that I do not recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of y mailing address, but a request for VALIDATION made pursuant to the above-name Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative marks is found on any of my credit reports by your company or the company that you represent. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentations as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your ffice fails to respond to this validation requst within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely
Product: Payday loan, title loan, or personal loan

I Am a federally protected consumer, natural person and not affiliated with a third party. After sending a Equal Credit Opportunity Act letter XX/XX/XXXX making XXXX XXXX  aware of the discrimination violation I am pursuing. Making note that banks are borrowers who issue bonds and debentures 12 USC 1431. No lawful money has ever been deposited from citi bank to XXXX XXXX yet Citi bank denies credit to the the person that extended credit. Upon social account number and my signature pen on that application citi bank used that promissory note/ negotiable instruments for gain and provide nothing in return. I sent a letter specifically addressing my rights under commerce and trade 15 USC 1691a ( 3 ) Scope of Prohibition it shall be unlawful for any creditor to discriminate against ANY applicant
Product: Credit reporting or other personal consumer reports

My personal data was unlawfully sold and acquired due to my victimization in the Equifax Data Breach. I urgently request the immediate removal of these entries from my credit report. Enclosed is evidence confirming Equifax 's acknowledgment of my status as a breach victim, yet no corrective actions have been taken. Kindly assist me in expeditiously eliminating these unauthorized accounts from my credit reports. 
1. Account Name : XXXX XXXX Account # : XXXX 2. Account Name : XXXX Account # : XXXX 3. Account Name : XXXX Account # : XXXX 4. Account Name : XXXX  Account # : XXXX 5. Account Name : XXXX XXXX Account # : XXXX