23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I consolidated all my federal student loans XX/XX/2010 and entered into an income based repayment plan with payments beginning XX/XX/2010. I have submitted employer verification forms certifying I have been working for either non-profits or a government agency since then. FedLoan Servicing initially denied 5 months as eligible The reasons given for the payments being ineligible are inaccurate ( FedLoan stated they did not receive payment for a month even though I am enrolled in auto-debit and my bank statement clearly shows they withdrew the funds from my account, another month was claimed to be in forbearance even though I never applied or requested that, and the initial 3 months of payments were through XXXX with no record that they were in the Income Based Repayment Plan ). FedLoan has been " reviewing '' 5 payments for over two years. When I call to ask for a status I'm told they need " ample '' time to review and there is no timeline for completing the review.
Product: Checking or savings account

I had called into my bank o verify that my account was closed and to find out if they mailed me my cashiers check for my remaining balance. I was told many different answers and also several things i need to do to get my funds released to me. Prior to my bank account being closed I had requested to be able to go into a local branch and have my account closed right then and there. I was told I could not because my account was already in the process of being closed. My account was to be closed before XX/XX/2017. And I was advised numerous times by several different customer service reps that once my account is closed they will issue me my cashiers check. So when I contacted US bank inquiring about my funds and if a cashier check has been sent I was told I'd have to go to my local branch to get the funds released to me and that they would be able to send my funds which was placed in a recovery account directly to the branch that day. The department that advised me this was the security department. So then I was upset because first they said I cant go into my branch to get my funds and now they are saying I can. It has been a waste of time back and forth with US bank being told different things. The remaining funds in my account have been cleared since XX/XX/2017. The funds were and have been available. But I am getting the run around about getting my funds released to me. I decided to call US bank again to make sure that I would not be wasting more time taking off of work to go to the branch i wanted a direct answer that what the rep stated in the security department were correct. So I spoke with the main customer service and was told that none of this made sense and they didn't understand how I would be able to withdrawal my funds when my account has been closed. So they transferred me to the security department again and I was old that I have to go to the local branch and it would be up to their discretion to release my funds. And that I still would have to wait for the funds to be sent to my branch. This does't make sense what so ever. I was under the impression that maybe this is all happening out of spite because I did already file a complaint about having to wait for about a month for US bank to close my account. Which because of this I am now in the process of being evicted from my apartment because US bank wouldn't release my funds. I've had it with all the run around excuses with US bank I am a normal person that is employed has a family. I am not rich I work living paycheck to paycheck to support myself and my family. The fact that my funds are still being held in some other account for what ever reason it is, this just is not right. I was told by many different customer service staff that once my account has been closed my funds will be sent to me within 5 to 10 days. All I want is my funds released to me. I do not want to have to take off of work to waste more time for US bank to give me the run around..
Product: Debt collection

Identifies themselves as CSR. I have asked them repeatedly not to contact me by phone and that I would not verify any information over the phone because I've been a victim of identity theft. The agent on XXXX XXXX became argumentative with me when I restated that I've asked them multiple times not to contact me by phone. I have never done business with this company.
Product: Mortgage

about 4 months ago i have sent a complete short sale package to bayview loan was told that it was on review and also requested to send copy of my driver license and social security card i did send all requested document for the short sale today my realtor called bayview loan to check status on the short sale file and he was told that that i am not able to apply for a short sale and the negotiator gave him no reason. i called bayview loan but they are not giving me accurate information please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TransUnion on XX/XX/2022 giving my correct personal information to be updated on my credit report and delete any other information that does not match with what I sent. I sent in a copy of my driver 's license along with a copy of my bank statement to verify that the information given was correct. I received a letter from TransUnion that was issued on XX/XX/2022 insuating that I wasn't the person requesting my personal information to be updated without telling me how I could get it changed correctly. Nothing was solved in them writing me so Im asking for help in getting this issue resolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 per Certified mail # XXXX a letter requesting that the company claiming that there's a debt owed validate such claims. I requested the company to provide any information to prove such claims as well as calls to follow up in the month of XXXX to absolutely no avail.
Product: Checking or savings account

On XX/XX/XXXX I received a text message from what I thought was Truist Bank asking about a fraudulent charge. I replied No that I did not charge that amount. I then got a call from this number which was an XXXX number so I assumed it was Truist calling to confirm my charges. The person introduces their selves nicely and give me an agent code. Asking if i authorized any XXXX transactions. I had not so I told XXXX that. He verified my information, then says XXXX in their XXXX department has to help me reverse the transaction. He sends another request through my phone and I accept it. Next thing i realize this is fraud b/c it took out {$1800.00} out of my account. Then another transaction was approved for {$120.00}. I immediately drive to my closest local branch and ask for help. The lady says this is fraud and to hang up. I did. I immediately reported to my bank and through the fraud line. They said I had to wait until it went through for them to investigate. I called back the next day ... .they opened an investigation. However, they never received my documents. They denied any fraud b/c the transaction came through my phone. However, the lady at the bank witnessed this person being a bank impersonator. It is clear it was fraud. To this day, ever after the local branch XXXX asked them to reopen the case, Truist has not. I just wish for my claim to be investigated as i am now out a total of {$2000.00} due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ACCOUNTS ON MY CREDIT REPORTS RTAHT DONT BELONG TO ME. THE ACCOUNTS ARE FROM : 1 ) FROTIVA MC/XXXX # XXXX 2 ) XXXX XXXX XXXX # XXXX 3 ) XXXX XXXX # XXXX 4 ) XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

1. I was sent {$990.00} via PayPal over three weeks ago and I still am waiting for the final dispersement of those funds to me.

2. I was, before the funds were frozen, allowed to spend a token amount with no notification that they would take access to the funds away.

3. At every option, I chose to pay extra for instant payout services and never received them.

4. I have paid nearly {$200.00} to PayPal in processing fees that did not result in the expedited action that was to occur. {$990.00} has been reduced to {$810.00}, and I still havent received the last {$210.00} of that. I received no benefit from selecting these " instant transfer '' options, instead experiencing serious financial hardship.

5. PayPal 's policy to return the fees if the transaction is delayed for any reason, displayed prominently whenever an instant transfer is offered, has not been honored for transactions throughout this ordeal -- they refuse to make good on their promises, defrauding me, and likely other customers, effectively holding onto funds without providing any reason at all, and taking additional money into their possession for expedited services they have no intention to provide.

6. In response to queries regarding the status of the funds, a common theme is to claim that they can not disclose reasons for " looking into '' aspects of the holds, citing their use of technologies that do not allow for said insight or overrides to do the right thing and release my funds after promised periods of time.

7. PayPal is in violation of laws, rules and regulations on various levels designed to prevent huge companies from harassing their customers like this, causing financial distress and reducing the customers quality of life.

8. I am demanding an explanation of said delays, a refund of all fees assessed for services not rendered, and a full and final release of my funds into my possession. If penalties are available to prevent PayPal from harassing others with their awful practices, I implore the CFPB to pursue them or give me the option to do so.

Thank you. A fast review of this companies practices would be great as I can't by food or tend to my responsibilities if I don't have access to this valuable resource.
Product: Checking or savings account

Huntington National Bank is withholding deposits and posting credits to my account first in order to generate fees. I have a screenshot of my account on their website and when I called them they said the dates on their own website were incorrect and the dates they had were different
Product: Debt collection

This company is reporting traudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXXXXXX XXXX  XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$5800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance Owed : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX XXXX XXXX : {$160.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX Reference # XXXX ; XXXX  XXXX Balance Owed : {$780.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

Sears Master Card from Citibank has a points program " Shop Your Way '' which supposedly tracks your purchases, provides a " pin '' number for use during the purchase and tracks what you spend and applies the " accrued points '' for use on your next purchase. This is a joke. It does n't work properly and when you try and resolve anything, nothing happens. Sears does not manage the program. It signs you up automatically and does n't assume any responsibility for errors through Sears ' " customer service ''. 
I have been attempting to find answers for two business days and all I get is a '' robo '' e : mail telling me to check their website. Talk about going around in circles. I do not recommend Sears for anything and will cancel my charge card there. I 'm sorry I ever agreed to open it. Not to mention the interest rate is horrendous.
Product: Debt collection

The original debt about 12 years old. But every time I complain to XXXX that this debt is too old to be on my credit report, they change the open date. XX/XX/XXXX they changed it to XX/XX/XXXX now it 's at XX/XX/XXXX as the date it was originally opened. However, this debt has been on XXXX report for well over 10 years. I want it removed and the company to stop Lying about the open date.
Product: Checking or savings account

On XX/XX/ there was an unauthorized transaction made via online on my XXXX XXXX XXXX Account. After calling XXXXXXXX XXXX  they advised me to call my bank and file a claim. I have filed both with the seller and my bank multiple times in which they have decided to not issue a refund and deny my claim. This purchase was made as an online emailed gift card to an unknown email using my account and debit card information that was on my world market account. BUT was not made by me or authorized by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting information on my credit report incorrectly.i am writing to request the removal of unauthorized credit inquiries. My latest credit report shows 3 hard inquiries that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report due to a critical concern regarding my FICO score. On XX/XX/XXXX my FICO score had an 11 point drop from XXXX to XXXX. This drop occurred within a 24 hour span, which was a shock to me. As a diligent consumer I checked my credit report and contacted TransUnion regarding this drop but neither had any reasoning for the drop nor was there any negative reporting. Additionally, there was no activity that would cause such a drop. 

On XX/XX/XXXX, my credit score at the three credit agencies was above XXXX with the score at TransUnion specifically at XXXX, since XX/XX/XXXX. On XX/XX/XXXX my score dropped 11 points. There was no negative information on my credit report. No late payments, no delinquencies, no inquiries, no collections, nothing out of the ordinary. I called both TransUnion and FICO. Customer service representatives at both organizations could not find out why the scores had dropped. They informed me that there was no evidence of delinquency, bankruptcy, foreclosures, or any of the factors that would consequently garner such a significant drop. 
My credit report says I have Accounts with Balances, Consumer finance accounts, and Seeking Credit. These statements are all inaccurate. I have a 1 % usage indicated on my credit report. My accounts have not changed, so I do not have any consumer finance accounts. I am not seeking credit, as indicative of my lack of hard pulls on my credit report. As I mentioned before, nothing had changed in the way I used my credit, and no negative information was reported. When I inquired to both the TransUnion and FICO customer service representatives regarding the negative remark, they were unfamiliar with this remark and could not find more information on why it was present in my report. The representatives were not able to find anything that warranted a score decrease on my report. 

I urge you to consider the seriousness of this matter. Over a 24-year span of building my immaculate credit, this significant drop can be catastrophic and can be a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lower score can affect my standing with any reputable financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX XXXX stopped reporting my decreased loan balance to the credit bureaus, so I called them and requested that my new monthly balance be updated. I called them every month from XX/XX/XXXX until XXXX of XXXX. Even when I had paid off my loan on XX/XX/XXXX, XXXX XXXX refused to update my information and report my account as being paid in full. They promised me they would make the necessary corrections but never did. It wasnt until XX/XX/XXXX, that I was alerted that XXXX XXXX closed my loan account and reported me as being over 60 days delinquent on payments. I checked my credit reports to find that XXXX XXXX had reported the months of XXXX, XXXX, and XXXX as paid. However, XXXX through XXXX were reported as no data. Meanwhile, XXXX and XXXX had been marked as delinquent. I immediately called XXXX XXXX frustrated because they promised that they would update my information but never did. XXXX XXXX was being deceitful, so I filed two disputes with three major credit bureaus ( i.e. XXXX, Equifax, and XXXX  ). The first dispute that I filed was practically ignored because XXXX XXXX reported to the credit bureaus that nothing was wrong with my account ; so, everything stayed the same. Thats when I requested XXXX XXXX  to send me the necessary documents that I needed to prove that I was correct and show that XXXX XXXX was falsifying my information. I included my documents as proof when I filed my second dispute. However, all three credit bureaus are still reporting various false information. The date that my loan was paid off is wrong, the months that my loan was being paid are incorrect, my account is still dated as being delinquent, the date of my first delinquency is reported as of XX/XX/XXXX, and my account status is still reported as not more than three payments past due. I was never late on a single payment. Ive requested for XXXX XXXX to correct everything and they havent. How can XXXX still report that I made payments in XXXX and XXXX when my loan had already been paid off since XXXX? That has to be illegal. I believe they reported it like that on purpose, to make it seem like I was behind on payments for two months, and finally paid off the delinquent payments. We are now in XXXX, after eight long months of back and forth phone calls with XXXX XXXX, and three grueling months of filing credit disputes, I refuse to file a third dispute. The credit bureaus continue to report what XXXX XXXX says and refuse to make the corrections that I have sent proof of. XXXX XXXX has affected, and is still affecting, my credit score with their fraudulent activities. My credit score fell about 200 points! Im trying my best to get back to the initial score I had before the derogatory trades were reported in XXXX. However, its difficult to do so when negative information wont be removed from my file. I have done my part, without help from XXXX XXXX, and I am now at my wits ' end. Im hoping you can correct this for me and hold XXXX XXXX accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; Medical XXXX Balance : {$630.00} ; Medical XXXX Balance : {$930.00} ; Medical XXXX Balance : {$890.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$610.00} ; XXXX XX/XX/2021.
Product: Checking or savings account

On  X/XX/2017    at  XXXX   XXXX  I went t o the drive up of Wells Fargo Ba nk to deposit a check, and cash  XXXX  additional checks. I have banked at this same bank and branch for years, have  XXXX  accounts and a safe deposit box. I presented a photo drivers license and my AT M Wells Fargo c ard. I was told by the teller and the head teller id #  XXXX   XXXX  and  XXXX   XXXX  that my ATM card could not be used as an ID because it did not have a VISA LOGO on it. I was asked to present a VISA CARD for the transaction to be completed or did I want my checks back, or come into the branch to apply for a  WELLS FARGO VISA C ARD. As this upset me first because I can not walk at times, and secondly did not understand why t he Wells Fargo A TM card was not for ID.     I have watch ed the Senate hearings about Wells Fargo tryin g to push their products, know the CEO was fired for their marketing abuses, and I know my rights as a customer. I have never received a disclosure fr om Wells Fargo adver tising the use of the ATM card not being accepted as an ID. When I asked the banking reps the reasons for the ATM card not being accepted, no one could give me an answer.     I gave my  XXXX  VISA CARD in order to complete the transaction. I want to know what the teller did with my card, did she photograph it, make a paper copy of it, write it on the back of the checks, no one could give me an answer. I asked to see the bank policy in writing again, there is no follow up or answer.     The  Wells Fargo store nu mber is  XXXX ,  XXXX   XXXX   XXXX   XXXX   ,   XXXX  , NJ  XXXX  I wrote a {$500.00}. check on my checking account, cashing a NJ Treas check for {$110.00} and deposited a company check for {$6700.00}. There are liquid funds in the  XXXX  accounts to cover these checks. transaction number  XXXX  teller  XXXX , transaction  XXXX  teller  XXXX .     Subsequently I executed a presidential complaint, received three calls from various supervisors who stated they would send me the bank policy, and no one has gotten back to me about my  XXXX  VISA CARD account number where was it dispersed, what is the teller training regarding a competitors credit card, and no apology in a letter from the bank. I want to be added to the class action suit that the bank is currently experiencing for refusing to conduct my transaction without  a WELLS FARGO VISA CARD.
Product: Credit reporting

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, MN XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Product: Credit reporting

experian credit reportXXXX XXXX status showing XXXXand showing foreclosure proceeding started status should be : included in chapter XXXX bankruptcy XXXX balance ( unrated )
Product: Debt collection

On XX/XX/2021 I received a call that identified the organization as the XXXX XXXX ( XXXX ). I did not answer the call, and a voicemail was left saying they were in fact HRRG ( a debt collection agency ). The number they called from was XXXX. I am attaching screenshots of the caller ID and the VM transcript identification info for reference. This is misleading and harassment. This is also the second time this agency has contacted my number using a false identifier in the caller ID.
Product: Money transfer, virtual currency, or money service

My account keeps getting stolen and my money keeps getting stolen so I need my account back and my money to