23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I got this as a gift. Card had glue on the magnetic strip and ruined the strip right from the beginning. Tried to use the card online and thats when all the troubles began. Site for activation doesnt work and force you to call. Upon calling they ask for all weird info ( even asks for where the card was purchased which is nonsense as it was a gift ). They ask for personal information and even after sending the necessary information it still doesnt work. I sent the license XXXX times and it keeps getting denied. It has been more than a month and I still cant use XXXX dollar gc. Reported to bbb was promised response back which i never received. Looked up online and i am not the only XXXX with the issue. It is as if US bank is purposely ruining the physical card by placing glue on the magnetic strip so it is impossible to use otherwise by not activating for online use
Product: Credit card

Just recently i seen a hard inquiry on my credit report from a company Ive never even shopped at nor applied for a credit card at. I would like this removed from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX filed a fraudulent claim with LexisNexis that associates me with an XXXX XXXX  that I was not involved with. 
I have disputed this claim with LexisNexis 6 times since I learned about this fraudulent claim. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> I have talked to the XXXX XXXX who confirmed that I was not involved with this accident however he did not know how to get it removed from my report. I have sent 3 email requests to the XXXX dispute department XXXX, but nothing has been done to correct this error. 
The fraudulent claim has a negative impact on my report.
Product: Mortgage

I applied for a forbearance agreement with my mortgage company on XX/XX/XXXX. Because of a loss of income due to Covid 19. I was told to wait for the papers and email I requested. They said it would take 10 days. 
I called back at least 2 times after that and was told by the agents that the agreement could be seen in my information. I called again on the XXXX the agent again stated he saw the agreement, and that he would resubmit the request for the hard copy and email to been sent. I called this morning hoping that I could at least get the email sent. 
I was told that my forbearance had been closed on the XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

There are discrepancies that I have found on my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX ( XXXX ) The discrepancies are listed below : 1 ) Number of months 2 ) High credit limit amount 3 ) Date last reported 4 ) Date last active 5 ) Date of last payment Creditor sent a letter of validation on XX/XX/2023 and failed to validate this debt. 
Under 15 U.C. Code 1681i ( 5 ) cause for removal of inaccurate unverified credit information.
Product: Student loan

I began making payments on my loans in XX/XX/XXXX, as I graduated college in XXXX XXXX  XXXX. My first payment was made XX/XX/XXXX for two months of payments because MOHELA was not allowing my first payment to go through. The payment made on XX/XX/XXXX was for {$570.00} according to my bank statement. The payment is titled ELECTRONIC PMT-WEB, XXXX XXXX  XXXX XXXX XXXX. My second payment was made XX/XX/XXXX, for {$280.00}. The payment is titled ACH DEBIT, XXXX XXXX XXXXXXXX XXXX XXXX. 

According to MOHELA and Studentaid.gov they only show records of payments starting XX/XX/XXXX, on XX/XX/XXXX. They only show records of 4 months of payments starting in XXXX and do not show the two payments of {$570.00} and {$280.00} made XX/XX/XXXX and XX/XX/XXXX respectively. Both websites show that I have paid {$1100.00} in total, while my bank statements show that I have made payments totaling {$2000.00}. 

I have submitted a complaint on studentaid.gov, and have reached out to MOHELA who explained it could take up to two months for my original payments to show on the new platform they started using in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

dates : XX/XX/2019 XX/XX/2019 XX/XX/2019 inquries that where made mutliple times without my consent
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts listed on my credit report. I am a victim of a data breach, and my personal information has been used without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following accounts : Fraudulent Accounts : 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

I am a victim of identity theft. I never had a XXXX account. If XXXX is making the claim that I owe money or even had an account with them then I need the name of the person who is verifying the information. If there is no person verifying this account then the account needs to be removed as its obvious that verification, which is required, was not completed no did the event happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a Wells Fargo debit Visa card in the mail in my name at my home address after it was returned to sender from a New York address. I do not have a account of any kind with Wells Fargo not have I ever. I have made monthly payments of my fathers mortgage for the past 7 years and it comes directly out my personal banking account from my bank to Wells Fargo but I personally have never applied for any banking account with Wells Fargo except to get an assumption loan for the home I have paid for for years. I contacted them immediately and was told a case would be open and that this occurs a lot which in itself is alarming. I was not provided with any other information like WHO opened this account or WHEN it was opened and what I should do to protect myself. I was given a case number and told to wait. I need information on how this happened so I can protect myself.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter from US Bank saying they reversed my provisional credit ( {$99.00} from XXXX ) because I did not respond to their additional information they requested by mail. 
However, I never received any letters from them. 
So i called the CS immmediately on the same day, XX/XX/XXXX and requested to reopen my claim. 
They reopened my claim and was told that the provisional credit will show to my account in 48 hours. 
After 3 and 4 days, XX/XX/XXXX, XX/XX/XXXX I called the CS because i still did not received the credit and they assured me that I will get the provisional credit by XX/XX/XXXX. 
However, I wasnt sure about this so I called again on XX/XX/XXXX AND XX/XX/XXXX and spoke to a supervisor. They said they are not sure why other cs repXXXX said I would get the provisional credit by XX/XX/XXXX. Supervisor said it will take up to 10 to 15 business days. And they said someone will reach out to me on the phone on XX/XX/XXXX or XX/XX/XXXX to discuss my claim. 
However, as of today, XX/XX/XXXX, nobody called me or gave me the provisional credit. 
Bunch of lazy incompetence people working there. 

FYI, I already told us bank but the reason for this claim is I returned a pair of shoes I purchased thru XXXX but it was actually ship and sold by the third party.
Product: Bank account or service

I am writing to express my concern about Scottrade Bank when my online account was hacked while I was overseas. At this time I had both a Scottrade Brokerage and Scottrade Bank account. I reported the fraud to Scottrade and was instructed to provide a police report as well as other materials which I did. I respectfully requested Scottrade cooperate with the law enforcement agency but they refused and stated I must go through an internal appeal at Scottrade. When I inquired on how to submit a formal complaint for internal review, Scottrade stated that " Corporate HQ '' would get back to me. Well " Corporate HQ '' did not get back to me and after 20 phones calls, numerous certified letters, and complaints with third parties, Scottrade vaguely informed me that I would have to submit an appeal in writing, which I promptly did. 

What Scottrade Bank failed to inform me about was that there was a specific Scottrade Bank form for disputing fraudulent transfers and or hacked accounts available here : XXXX I am unsure why Scottrade did not follow their own procedures for dealing with hacked accounts but I am sure that Scottrade 's failure to follow appropriate procedures appear to be an abuse of their position in an effort to avoid liability for the hacked accounts and failed database protections. 

I am writing to the CFPB because Scottrade refuses to acknowledge or respond to any of my complaints and I am kindly requesting Scottrade provide me an opportunity for a de novo review of the situation. I have provided Scottrade with a completed account activity dispute form and will be expecting a response. The dispute form is available here, XXXX, and Scottrade Bank has written policies about how to process the form. 

If Scottrade refuses to provide the requested documents and take appropriate action, I am specifically asking Scottrade provide me with a copy of the original arbitration agreement ( if it exists ), a request that Scottrade has refused to respond to on over XXXX different occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and I've seen so many inquiries on my transunion and XXXX so I've called them they told me about rules and policies which want my argument. I've sent letters more than 30 days ago as well as called and they would not support my frustration to why these inquiries were in my credit report when they weren't authorized. I've contacted the company that pulled my credit and they didn't send letters stating that they went against protocol like they said they were going to do either. The law has been broken with my identity presumptively being compromised is so far from illegal that takes needs to be rectified. Thank you!
Product: Debt collection

Company ERC called at XXXX EST and refused to identify themselves as a debt collector. Refused to identify themselves at all. I asked " what is erc? '' They wouldn't say. I asked " what kind of company is ERC? What do you do? '' Again they refused. I then asked- are you a debt collector? Again they refused. Called from Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with Experian again and again and their response is always the same Verified. I have disputed the accuracy in the reporting, I am not sure how you can say this this account was verified of being accurate just from a click of a button. I have asked in which ways did they verify this account and I am still waiting on a response from them. I understand now that verifying an account is a simple process of pressing a button and the company responding back with another click of the button through automation as verifying the account. Well that 's not verifying the accuracy of an account and by law the account must be reporting accurately and verified by law. I have n't received an accurate dispute on this account by law. I want this account removed from my credit report as a result of not fully investigating the accuracy of reporting.
Product: Debt collection

I initiated a dispute with XXXX  in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  placed a collection account on my XXXX  credit report amounting to {$220.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the account in question were verified by the creditor. XXXX XXXX XXXX XXXX did not provide any documents or evidence to verify the account, but instead XXXX kept these accounts on my report. I initiated another dispute to XXXX in XX/XX/XXXXasking again for proper validation of this debt, but instead of verifying the debt, XXXX reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Retail Merchant Associates did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
Product: Student loan

I chose to pay off the total amount of my loan. The website said to call the companies number to pay off and to request a pay off letter. I tried calling several days for several hours at a time. I could not reach anyone and my interest was increasing every day. So I paid my loan online, according to the amount listed on the companies website and the federal loan website. As my loan was processing, interest was continuing to increase. I called and finally reached someone after 3 hour wait time. The person on the phone told me that any additional interest would be removed after my payment finished processing. After my payment went through, it still showed a balance of interest. This meant my loan was not yet paid off and I wouldn't receive a " paid in full '' letter. I tried to contact the phone number three days in a row but was on hold until the company closed for the day. I finally chose to pay off the interest so that my account could be " paid in full '' and not have any outstanding balance. The company mishandled my payment, as it showed the amount due as being under " principle '' of the Student Loan Gov website but under " interest '' on the company website. I believe I accrued interest that should not have been charged by company and I was forced to pay additional funds because of lack of communication.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had no idea XXXX cell phone account through xfinity/comcast that was opened in my name in XXXX of 2022. I've have phone service through tmobile for several years. I found out about the fraudulent account by logging into my xfinity account to pay my cable bill XXXX day and saw the cell phone account had 3 months worth of history on it. I have also tried to get in touch with XXXX representatives to inform I am getting someone else 's bill to my email that is not mine. I am not sure if this is affiliated. However, this is affecting my credit report.
Product: Student loan

I am having serious concerns regarding a student loan I have through American Education Services. Loan information is as follows : Disbursement date:10/28/2004. Loan Program : XXXXCurrent Balance : {$13000.00}. Original Balance : {$16000.00}. Interest Rate : 5.130 % I have been in repayment for over 10 years and have paid {$15000.00} since I began repayment and my balance has barely lowered. According to the standard repayment plan it should be completely paid off by now. Even more concerning is the repayment schedule seems to be moving backwards. Every month the principle portion lowers while the interest portion gets higher, the exact opposite of what one would expect to happen over the life of the loan. I have never missed a single payment and only had XXXX payment in the 10+ years of repayment which was late, by about ten days. To compound the frustration AES will not respond to my inquiries. I would appreciate any assistance you can provide to help me determine what is going on with this loan. I have the wherewithal to pay the loan off entirely, however I am reluctant to do so until I get to the bottom of why it appears that I 've paid far more interest than expected. I thank you in advance for your helpSincerelyXXXX XXXX
Product: Mortgage

Once again PHH is failing to properly service my mortgage. Currently they are failing to apply my payments to my account or offer any explanation as to why. PHH received my XXXX payment on XX/XX/XXXX, I have the signed return receipt from the post office that shows the date they received it. On XX/XX/XXXX and again on XX/XX/XXXX I received emails from PHH informing me that they have not received payment and my home is in danger of foreclosure. On XX/XX/XXXX I sent a qualified written request asking for an explanation of what was done with the payment they received on XX/XX/XXXX. To date I have not received any response or acknowledgment that this qualified written request was received. Per the return receipt it was received by PHH on XX/XX/XXXX. 
In the beginning of XXXX I sent another qualified written request concerning people coming to my home and taking photos. Since XXXX of this year people have been coming to my home, taking photos, walking around on the vacant land and even driving up my driveway. All areas are clearly marked private property. During XXXX and XXXX there were numerous different people here doing these things. At least once per week someone was here taking photos. Some weeks there were several different people. Since XXXX there has been only one person that I am aware of coming and taking photos. This person is here almost every week. There have been occasions when its been less than a week between visits. PHH mortgage has told me that they have a right to check on their investment, my home, so I believe these people are coming here on behalf of PHH. I also believe that weekly or even monthly visits are very excessive. This feels more like harassment than a mortgage company checking its investment. I currently have another property and mortgage with another company, and in the ten years I have had that mortgage I dont think anyone has ever gone to the house to take photos. I am attaching photos to show what it looks like when this person is here. It is very disturbing and invasive. 
At the beginning of XXXX I sent PHH a qualified written request asking if these people have been here on behalf of PHH. I also asked if I am being charged for all of these visits. I requested a statement showing any charges that have been added to my account for these visits to photograph my home. To date, XX/XX/2020 I have not received any response from PHH. Per RESPA, mortgage servicers are required to respond in writing within five days of receipt of a qualified written request or notice of error. It has now been over 30 days since they received my first request and I havent gotten any response. I have sent a second qualified written request for the same information. 
I would like to know what has been done with my XXXX payment and my XXXX payment since that hasnt yet cleared my bank either. I would also like to know if these people photographing my house are here on behalf of PHH and if so am I being charged? Please send a statement showing all charges if I am.
Product: Checking or savings account

Date of transaction : XX/XX/XXXX Name of the bank : CitiBank The amount of the money paid to CitiBank : {$8000.00} What CitiBank committed to provide you : CD Nature of dispute : We have a joint saving account with CitiBank. On XX/XX/XXXX I called CitiBank and talked to customer representative to transfer {$8000.00} from our saving account to CD account. The customer representative immediately transferred {$8000.00} from our saving account to CD account upon my request. I was looking at my account online when I was talking to her on the phone. I immediately saw {$8000.00} deposited in CD account. I immediately printed the copy of transaction. It is with me now. Then, the next day I went to check my account, {$8000.00} disappeared from the CD account. I called the customer service immediately. She said she did not know where the money went but said they will investigate. Since then we have been calling on regular basis ( we called then on XX/XX/XXXX, XXXX and XXXX ). They kept on saying it is under investigation and money will reappear in our saving account. They did not give us any case number or any written communication. We called again on XX/XX/XXXX and XX/XX/XXXX and talked to supervisors who said it may take 5-7 days. No money deposited in our saving account. So we called again on XX/XX/XXXX. This time my husband demanded to talk to higher up and very reluctantly they connected us to their, '' Executive Response Team ''. We talked to guy by name XXXX who said he will help us get our money back. In fact he said he is sending an email to another department to process our request to put the money back into our saving account. He gave us a case number and said he will call us as soon as the money is transferred. So far he hasn't called. We still don't have money deposited in our account. They have been giving us run around and lies. 
Please note that we are senior citizens.