23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My ex-husband and I have a consolidated spousal loan ( we understand that once the federal government updates the application process we will be able to uncosolidate the loans ). 

Federal Student Loans had me as primary on the loan ( the entire spousal loan was showing under my federal student loan account, and showing XXXX under my ex account ) My ex-husband qualifies for PSLF Prior to Mohela taking over PSLF my ex husband applied for the TSPLF forgiveness and federal student aid kept telling him he doesn't have any student loans and therefore does not qualify ( I was primary at that time so despite us explaining that to them and asking how to fix it, they just said sorry you don't qualify and would discontinue the conversation ) Mohela is our servicer on the loans, and they told us to wait until they took over and to reapply since they can see our joint loans. We did that, and the loans were updated as making the XXXX payments and qualifying for forgiveness. 
During the process of applying for PSLF federal student loans then switch my ex husband to the primary, and my federal student aid account dropped to XXXX and I no longer have access to the account. 

Mohela however has me as primary on the joint consolidated account serviced by them. Therefore, I think every time they send over the request for discharge Federal Student Aid looks up the discharge under my social and sees a XXXX on my account. 

We have spent countless hours with Mohela trying to explain that my ex social needs to be on request, and we either get someone that doesn't understand, or tells us to wait. We have had a number of individuals tell us they would fix this and then resend the request to federal student aid.

Despite the numerous attempts to get this discharged, we are still showing a full loan balance and no discharge.

Any assistance would be appreciated as we have spent so many hours with Mohela, and Federal student aid will only talk to my ex ( despite me being jointly liable on the debt as a whole ) This has been going on well before XX/XX/, but I attached the status from Mohela. I have no idea why they have multiple applications, but they keep sending us the same form below and nothing is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$27000.00} on the XXXX   partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned to the dealership within the time frame allotted to do so. The vehicle was then sold at auction and sold for more than what was owed and therefore this account needs to report at {$0.00} balance. There is no outstanding balance and consequently no collection amount to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX Account # XXXX ), has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One for failing to address a dispute concerning a purchase made on XX/XX/year>, at XXXX XXXX for a mattress. The purchase amount is {$1400.00}, and the issue stems from the merchant 's misrepresentation of their return policy. 

When I attempted to return the mattress on XX/XX/year>, XXXX XXXX misled me regarding their return policy and refused to accept the return. Despite multiple attempts to resolve this matter directly with the merchant, I was unable to come to a resolution. Subsequently, I reached out to Capital One to open a dispute regarding this transaction, as I believe the merchant acted in bad faith. 

However, Capital One declined to take any meaningful action, instructing me to resolve the matter directly with the merchanta course of action I had already pursued without success. Their refusal to assist me contradicts the protections I am entitled to as a cardholder under the XXXX Credit Billing Act. 

I am now requesting your assistance to : XXXXHold Capital One accountable for its lack of support in this dispute. 
XXXXReview the situation to ensure that my rights as a consumer are upheld. 
XXXXFacilitate a resolution where the disputed amount is refunded to me, as I was unable to return the item due to the merchants misleading practices. 
I would appreciate your prompt response to this matter.
Product: Credit card

I needed to cancel a cruise and airfare for medical reasons and I had purchased travel insurance. On XX/XX/year>, I thought the number I was calling was XXXX XXXX XXXX to cancel my cruise and airfare. I didnt realize I was not talking to XXXX when I called XXXX and spoke with XXXX XXXX XXXX who represented himself as a XXXX XXXX XXXX XXXXXXXX. I had travel insurance through XXXX XXXX XXXX and XXXX told by XXXX that because it was so close to sailing time our trip insurance had expired and that there was an {$1100.00} fee each for us to cancel. I thought it was outrageous but I put {$2200.00} on my Capital One card. When XXXX XXXX requested a photograph of my credit card, I became suspicious and concerned. I then checked to make sure the {$2200.00} payment was going to XXXX and when I checked my credit card online, saw that the payment was going to XXXX XXXX XXXX and not XXXX. I had never heard of XXXX XXXX XXXX and when I XXXX  it, found out it had a very shady reputation. This is when I called Capital One to cancel my Capital One credit card. Then, finding the legitimate XXXX number, I was able to cancel our cruise, contrary to the erroneous information given by XXXX XXXX, our trip insurance was honored. I had no more contact with XXXX XXXX or XXXX XXXX XXXX. The last contact I had with XXXX XXXX was when he asked me to provide him with a valid government ID with a clear address on it. I sent all documentation to Capital One to dispute the {$2200.00} charge and Capital One denied the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan taken online XX/XX/2017. Began making bi weekly payments. I requested a lower interest rate as the rate they were charging was 36 % roughly. They refused to work with me. I began working with XXXX XXXX XXXX  who negotiated a lower payment. When I began making the agreed upon payment XXXX XXXX or XXXX  XXXX began reporting me late with a large past due balance. I was told by net credit i had to pay an XXXX dollar past due amount in order to make the account current. I paid that amount ... it was all applied to interest and they still reported me 90 days late ... .I have now paid them in full so the account will be closed and they are still reporting a balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Your response to my dispute of public record is unacceptable. In your response you claim that you have verified this information how? According to the FCRA you have to provide me with the manner in which you verified this information. And you have not done so. I have submitted all the information to you already that proves the account does not belong to me. I further more do not have to provide your company with anything else. You have to provide me with your ways of verification in which you havent done so thus far. Which will result in numerous violations of the FCRA and each violation can result in {$1000.00} penalty. I have kept close record of our correspondence in which you have not provided me any documentation of you ways of validating the account belongs to me. And I intend to pursue legal ways to remedy this tragic situation that is damaging my life as well as reputation because of your malpractice of reporting false information. Again I want verification of account numbers jurisdiction of court address and all other particulars of the public record you are reporting on my credit report. You can not use any 3rd party information you have to verify it with the courts and provide me with your exact method of verification to provide utmost accuracy as stated in Fair Credit Reporting Act. This is my final warning before I seek judicial court suit against your company for your transgression against me.
Product: Checking or savings account

I have been a loyal customer of Chase Bank for nearly 15 years. 
A few months ago, Chase Bank 's customer service recommended that I switch to paperless statements. At almost XXXX XXXX XXXX XXXX, I have limited experience with technology, but I followed their advice and stopped receiving physical bank statements at my home address. 
On the afternoon of XXXX XXXX, 2024, I called Chase 's customer service department to inquire about the last ten transactions on my business account. During the review with the customer service representative, I discovered that between XXXX XXXX, 2024, and XXXX XXXX, 2024, a total of fifty-one unauthorized fraudulent charges had been processed on my Business Chase bank account, amounting to {$3700.00}. All these charges were made at a XXXX XXXX gasoline station ( with XXXX XXXX XXXX away from my house ), with more than {$1700.00} fraudulently charged for gasoline in a single month!!

I entrusted Chase Bank with my hard-earned money, and I am now requesting a full refund due to their negligence in safeguarding my account. Despite the fraudulent activity occurring from XX/XX/2024 to XXXX  2024, I never received any fraud alerts. On XXXX XXXX, 2024, I contacted the Chase Fraud Department to initiate an investigation and request a refund. Unfortunately, they denied my claim and would only acknowledge 30 days ' worth of the fraudulent transactions. 
I have proof that I always use XXXX ( a gas station next to my house for the last 15 years, 99 % of the times ). I never use that XXXX XXXX. 
Additionally, on XX/XX/ 2024, I visited the Chase branch near my home and asked the branch manager for an update on my refund and requested a letter acknowledging the fraudulent activity on my account. Unfortunately, the branch manager rudely denied the request, and I also asked the bank for a letter head from chase saying about all the fraud into my account and the manager XXXX XXXX said no. 
I am formally requesting that Chase Bank refund me the {$3700.00} of unauthorized fraudulent charges processed on my account and I need your help with this issue please because they do not want to, they offer me only a low amount less than {$1200.00}. I also filed a police report on XXXX XXXX, 2024 case # XXXX with officer XXXX XXXX - ID # XXXX District XXXX. 
I have the bank statements as proof but has my name, address, account #, etc...

Also the notices from the bank saying no to my all money stoled.

These are the months and amounts when the fraud occurred : XXXX XXXX 2024 through XXXX XXXX 2024 {$140.00} XXXX XXXX, 2024 through XXXX XXXX, 2024 {$1100.00} XXXX XXXX, 2024 through XXXX XXXX, 2024 {$670.00} XXXX XXXX, 2024 through XXXX XXXX, 2024 {$1700.00} A total of {$3700.00} In advance I would like to appreciate all your help on this issue.

Thank you very much.
Product: Prepaid card

I received a {$250.00} American Express E-gift card on XX/XX/year>. I soon realized I was unable to use the gift card online OR in stores. I followed the directions on the American Express site for how to use the gift card in person ( by adding the card to my XXXX XXXX  ), but the card was invalid on all attempts. This was the same case for when I entered the information online. I have ensured there were no errors on my end in putting the card information correctly. I have tried calling the customer service number that American Express provides for gift card inquiries a handful of times, but due to the fact that I don't a ) have a bank account with American Express and b ) it was an automated bot I was speaking to that didn't understand what the issue was, this number was useless. When I called a general customer service number with American Express, after an hour of waiting and being put on and off of hold, the agent just hung up on me. These are the only two ways of contacting American Express and both have proved inefficient and useless.
Product: Credit card

I am an XXXX of the XXXX. I have been unfortunately been receiving credit card offers since graduation from Bank of America under the guise of XXXX. I consider these mailings to be predatory in nature, but unfortunately the CARD act seems to allow them. They do require the XXXX to post details about its financial compensation on their website, while they do have an informational page that essentially amounts to advertising, the link they provide to the disclosure simply leads to a credit card application through Bank of America, this seems to be a clear violation of the CARD act. ( XXXX ) - website
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute letter to Experian about unauthorized inquiries made to my credit file. It is now XX/XX/2020 and I have not received any dispute investigation results from this company.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. 

PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT IT'S HURTING MY ABILITY TO OBTAIN CREDIT. 

SEE ATTACHED THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following companies have violated my rights. 
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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

X/X/2017    i cant get on line with the dispute center of experian when i call them on  XXXX  number, 3 times on  X/X/2017    i was hung up mid way through call
Product: Checking or savings account

XX/XX/XXXX I went online to place a travel notiice under my account in Bank of America from XXXX, sc to XXXX XXXX, TX. The application and online banking removed the option to notify of any travel notice. while I was in Texas my phone was barely receiving any services and I was house sitting a sick dog. On XX/XX/XXXX there were two suspicious transfers done through XXXX to a name " XXXX  XXXX '' for two withdrawals of {$1500.00}, final total of {$3000.00}. After these two transactions I was never notified of any suspicious transactions by text, nor email. I would go out to eat and get gas and I was still able to use my debit card as usual with no denial. On XX/XX/XXXX I attempted to sign into my online banking through my phone and it was not working, then I tried on my laptop and still was not working. After these failed attempts, I called Bank of America and was informed that my accounts were locked/frozen because of suspicious activity. I was confused because these transactions were already two weeks old. I then followed up with a freud complaint, I changed my username, passwords, and also closed my savings account and opened a new account to transfer the remainder of my funds. I was informed by the fraud help line that the dispute would take 10 days and my money would be refunded into my account. I trusted the process and waited. I continued to check and did not see any refund of my {$3000.00}. On XX/XX/XXXX I attemted to log back into my online banking and once again could not log in, i attempted on a desktop and failed again. I repeated the process and called BAnk of America and was informed once again that my account was locked/frozen. I informed them that i was confused because we already fixed this issue. they then informed me that this block occured on XX/XX/XXXX. I was yet again NOT contacted about any block or frozen matter on my account. And at this moment I asked for an update on my fraud claim and I was informed that they denied it because they saw no fraud cause. I do not understand because I was never contacted by phone, text or email about my Fraud claim updates or denial and any heads up on freezing my account. When attempting to log in I am asked to insert bank card number as well as my SSN and then I am told there is no match! it should match being that i am the owner of the account!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Multiple payments were made to payoff PayPal Credit. While the customer service representative stated that the terms of service specify that some payments may be applied, there may be a funds hold when the amount exceeds an undefined threshold or multiple payments are made within an undefined period of time. She mentioned that had the payments been for {$1500.00}, there would have been no issues, but since they were {$2000.00} and more, there is now a 12-day hold. The payments were made on XX/XX/XXXX and cleared on XX/XX/XXXX. The company, Synchrony Financial refuses to contact the bank or asks for faxes or to mail in copies which would still put us over the 12-day hold. At no point during the payment process were there any warnings stating that making a payment over XXX amount or making extra payments would cause the funds to be on hold. Since by the time this complaint is processes the funds will be available, I do not accept the answer that the issue has been resolved, as this will be a problem again for me or other customers that decide to make either multiple payments or payments over a certain amount.
Product: Checking or savings account

I am extremely frustrated with the service Ive received from Citi Bank. Ive been a long-time Citi Credit Card customer , and recently, I saw an ad for their Citi Checking account offer. I decided to open an account and transferred approximately {$30000.00} into it. After receiving and activating the debit card, I was shocked to find that, just after transferring my funds, they locked my account, citing multiple attempts to access it. I never changed my password and had Face ID enabled for mobile access, yet nothing worked.

To make matters worse, I spoke with 10 different Citi Bank representatives, and each of them told me that none of my personal informationlike my SSN or birth datewas linked to the account. Even though they had my mobile number on file, they couldnt send a one-time password to unlock the account. This is beyond frustrating.

It really feels like Citi Bank is intentionally locking people out of their accounts. There are numerous XXXX posts about similar experiences, and its hard to shake the feeling that this is a common issue.
Product: Credit card

Comenity Bank BJ 's Mastercard provided my private information to 3rd Party creditor XXXX XXXX XXXX without my permission. BJ 's shared my banking information with XXXX. XXXX 's sold my debt after it is was discharged without notification after several tries trying to rectify the situation. The amount of {$3400.00} was discharge by Comenity Bank BJ 's Mastercard. My private information-banking statements was furnished to XXXX XXXX XXXX by BJ 's Mastercard without my permission. My Bj 's account has since be closed.
Product: Checking or savings account

I was on the website Im a victim of identity theft so I expected this to happen everytime I apply for a bank account they always require me to send extra verification to verify my identity because the system automatically declined me Berkshire bank I received a notice of adverse action letter but I dont have anything wrong on checystems no debts to other banks and the reasons on the letter didnt make sense
Product: Student loan

I wrote ED/NELNET to XXXX OUT the Biden-Harris XXXX XXXX XXXX XXXX XXXX The XXXX 's and he XXXX Department has ruled the XXXX XXXX XXXX plan can be OPT OUT. ED/Nelnet I want to OPT OUT the Biden-Harris loan XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to your phone call that Ive received. I request that you provide validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor. 2. The date the debt was allegedly incurred. 3. The amount of the debt, including a detailed breakdown of all fees, interest, and other charges. 4. A copy of any signed agreement or contract that obligates me to pay the debt. 5. Proof that your agency is licensed to collect debts in my state. I also request that you cease all communication with me about this matter, except to provide the requested information or to inform me of specific actions you plan to take, as permitted by law. Please note that this letter is not an acknowledgment of liability for this debt. I will review the requested documents to determine if I am legally obligated to pay. Thank you for your cooperation. I look forward to your timely response. Sincerely, XXXX XXXX
Product: Debt collection

started receiving debt collection notices from Name : FRANKLIN COLLECTION SV Phone : ( XXXX ) XXXX Business Type : XXXX Street Address:XXXX XXXX XXXX XXXX City : XXXX State : XXXX ZipXXXX  Balance Amount : {$61.00} started multiple credit reporting - 8 entries declaring account opened on XX/XX/2020. again reported as opened on XX/XX/2020 and again reported as opened on XX/XX/2020. multiple entries incurred on my credit report for a {$61.00} medical bill that should have been paid by insurance ( and is being looked into at Hospital billing ) as to why this was sent to collection. 

complaint- multiple entries on credit report. being reported almost daily to appear to have excessive debt collections on my credit report..
Product: Debt collection

I was never notified of this bill and do n't know where it comes from. I requested documentation of original forms and signatures stating that this debt has been validated and verified per the FCRA. I do n't believe this account was investigated at portfolio recovery for XXXX.
Product: Credit reporting or other personal consumer reports

Equifax continues to furnish Previously Confirmed deleted Inquiries. I was assured months ago that XXXX XXXX XXXX XXXX XXXXXXXX  XXXX & XXXX XXXX XXXX XXXXXXXX Inquiries were Deleted but hadn't updated. I've also included previous FTC report