23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I file this complaint regarding my XX/XX/XXXX, payment. I am in receipt of the attached email from MOHELA dated XX/XX/XXXX. The email states that my XXXXXXXX XXXX XXXXXXXX billing statement was not sent within 21 days prior to the due date. My due date was the XXXX of the month at the time of the applicable statement. I have attached my billing statement dated XX/XX/XXXX, for my XX/XX/XXXX, due date. I can confirm that per the attached XXXX, I did not receive my paperless electronic statement dated XX/XX/XXXX, on MOHELAs website until XX/XX/XXXX, which was less than the required 21 days. I can further confirm that {$220.00} was indeed extracted from my checking account through Auto Debit. The attached XX/XX/XXXX, email states that I have the right to request a refund in the amount of {$220.00} for the XXXXXXXX XXXX XXXXXXXX payment and that a forbearance will be applied for that month. Pursuant to https : //studentaid.gov/XXXXXXXX, I wish to request a refund in the amount of {$220.00} for the XXXX XXXX XXXX payment and for a forbearance to be applied for that month. It should be noted that by email dated XX/XX/XXXX ( which I have attached ), MOHELA denied my request. I am assuming this denial was in error. My ID is attached.
Product: Mortgage

I contacted PHH to see who holds my note I was told XXXX XXXX I verified that was not true. I search XXXX my XXXX  # is inactive which means the loan was paid off or removed due to fraudulent activity. I researched further and found an Assignment of Mortgage was filed with XXXX XXXX in XXXX from XXXX to XXXXXXXX XXXXXXXX XXXX XXXX which went out of business around XXXX and the CEO went to prison for mortgage fraud, the Title Company on the Assignment of Mortgage deed also faced legal issue due to fraud. The notary on the Assignment of Mortgage is also fraudulent she resides in XXXX XXXX but, notarizing documents all over the state and different countries. The person that signed as the president of XXXX is not or ever been the president of XXXX. When I brought all my findings to PHH attention, PHH stated they could not disclose any information about the loan they're only the servicer. PHH has failed to provide who authorized them to service my loan, they failed to provide payment history from the time they started servicing the loan. They have added over XXXX to my principal stating I was on a forbearance that I did not sign for and stated I didn't have to sign but, they received 13 payments for the year of the forbearance. I plan to send a cease and desist letter until I can get this matter resolved. Because on the Assignment of Mortgage the lender, title company, president of XXXX and the notary are all fraudulent. I search everywhere no record of XXXX XXXX XXXXXXXX XXXX or no other financial institute have a record of my mortgage, utilizing my property address, social security number and name. PHH will only say the loan was transferred from XXXX XXXX which was the previous servicer and failing to provide who authorized them to service my loan. PHH originally informed me XXXX XXXX was the investor and holds my note but, XXXX XXXX has no record of my loan it was not until I made PHH aware, they then said it was XXXXXXXX XXXX which is no longer in business due to mortgage fraud. I tried to make a payment yesterday because I'm due for 4 payments they stated they will not accept anything less than 3 payments or they will send the payments back. I feel this loan was paid off/ and removed from the XXXX system years ago but, the servicers are transferring the loans utilizing fraudulent assignment of mortgages. I also requested assistance last year when I became XXXX PHH waited until the last day prior to my loan going into foreclosure status to tell me I did not qualify for any programs because my lender does not participate in any programs. Now PHH is requesting I send in a package for an alternative to foreclosure which they will deny again. I'm attaching the correspondence I received from PHH regarding the note holder, they failed to provide contact info leaving the phone number of XXXXXXXX XXXX XXXX because XXXX XXXX XXXX no longer exist . XXXX XXXX the original lender all were apart of bank fraud. My XXXX XXXX  is inactive ; An inactive XXXX designation may relate to the loan having been refinanced or paid off, discounted, or completely voided due to the invalid mortgage documents in the file.
Product: Credit reporting or other personal consumer reports

Company or Organization : CONN 'S Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$5300.00} I WOULD LIKE PROOF OF HOW THIS DEBT WAS VERIFIED BY XXXX XXXX WHEN CLEARLY NONE OF THE OTHER CREDIT REPORTING AGENCIES CAME TO THAT CONCLUSION. THIS IS INACCURATE AND SHOULD BE REMOVED IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Companies involed : XXXX -Chase Bank  XXXX XX/XX/XXXX, I wasn't able to make a payment to my Chase credit card. On XX/XX/XXXX, I received a call from a Chase representative who worked in the collections department. I answered the call and the representative asked for my routing and account number. The representative also asked me when I would like to schedule the payment. I scheduled the payment for XX/XX/XXXX. 

For XXXX and a half years, I have been using the same routing and account number to pay my Chase credit card. I use the Chase mobile application to schedule payments and never had an issue. This was my first time allowing a representative to help me schedule a payment. I don't recall if the representative repeated my account and routing number back to me when I gave it to her. The collections department processed the transaction for me instead of the usual billing department. 

On XX/XX/XXXX, Chase informed me that my XXXX  bank returned the payment. Chase stated that I couldn't use my XXXX  bank anymore to make a payment since it was blocked. I had to transfer the amount in my XXXX  bank account to a different bank account in order to pay Chase. I also had to set up bill pay which took a few more days. Chase then reported a XXXX  day late delinquent account to the credit bureau. 

On XX/XX/XXXX, a supervisor from Chase informed me that XXXX  returned the payment because the account was invalid. I spoke with a representative from the collections department at Chase and a representative stated that the account number was entered incorrectly in their system. I spoke with a different supervisor at Chase and that supervisor stated that the information was in fact entered correctly. I spoke with a representative from XXXX  ( in the screenshots ) and the representative stated that the payment was scheduled to be debited in the name " my credit card number '' instead of the name on file " XXXX XXXX. '' Both XXXX  and Chase keep pointing the blame at each other.
Product: Credit card or prepaid card

Back in XXXX, I opened a checking and credit account as a business partnership with another individual. Shortly after opening the accounts I decided to end to the partnership. 
I had gone in and closed the business accounts. Both accounts had XXXX balance. They did end up closing the checking account at that time, but I was still getting emails and mail about the central credit account associated with the account. I ended up going to the bank about four separate times to see why I was still getting mail and to confirm that they closed it. I finally stopped getting mail in regards to the account, so I was under the impression they had finally fixed the problem. Fast forward to XX/XX/XXXX and I get a call that the account was over due with a balance of over {$20000.00}. I then went in and and they said the account was still open and closed it and that the partner associated on the account under his card had racked up a bill and had used it to pay for his wedding. The account was at XXXX balance for over 4 years and suddenly they have these charges on there. They basically just told me to pound sand and there was nothing they could do to get this out of my name. I contacted accountant, lawyer and police and was told that i could have him arrested over it but my best option was to just let it be if he kept on payment. He had up until recently so now it is in collections under my name even though the card that was charged is under his name. US bank failed in their fiduciary duty and has created a great deal of emotional stress for me and my family over this as well as hurt my credit. They also allowed this account to go from {$7000.00} credit line when it was originally opened to over {$17000.00}. They also will not give me exact dates or specifics that I have been asking for. I am at loss for words on how they could let this happen.
Product: Checking or savings account

Chase wont deliver {$150.00} in XXXX that I asked for but still took the money out of my account. This is entirely unacceptable.
Product: Credit card or prepaid card

I applied and got approved for the American Express XXXX XXXX ( ending XXXX ) back in XX/XX/XXXX with a XXXX Membership Rewards points welcome bonus offer after {$5000.00} spending. I met the spending requirement at the end of XX/XX/XXXX, and however I still haven't seen the XXXX Membership Rewards points deposited in my account after 5 month. 

I contacted American Express via their online chat with 5 separate occasions ( XXXX, XXXX, XXXX, XXXX, XXXX ), and they all confirmed I have met the spending requirement, and will receive the welcome bonus. The latest contact was on XX/XX/XXXX where the agent told me an investigation is pending to figure out why the points were not issue, but has no ETA. American Express is unable to provide any resolution to this after multiple contacts and complaints.
Product: Credit reporting or other personal consumer reports

After disputing the use of an alias AKA ( also known as ), Transunion continues to place aliases on my credit report. I never use aliases. Anyone using my credit or my information with an alias is doing so illegally. Transunion is ignoring the adverse implications of the existence of an alias on my account -- - possible identity theft or malfeasance associated with Transunion personnel. The most recent alias listed on my credit report as of the date of this complaint is " XXXX '' or XXXX XXXX. I do not know who " XXXX '' or XXXX XXXX is, and I never use that name. Transunion disregards disputes regarding aliases. They allow the use of aliases, even when the consumer informs them that the alias is inaccurate information and demands that they STOP ALLOWING the use of any aliases. XXXX or XXXX XXXX is not my name.
Product: Credit card

American Express informed me of a {$1.00} transaction on my card by XXXX Advertising. The Amex rep said XXXX seemed to be testing the card to make certain it was good. Amex let me change my card #. My complaint concerns XXXX Ads. I never gave it my card info. Someone did. What right to they have to be checking my card balance? How did XXXX get the card number?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2020 with CFPB about Equifax. # XXXX The complaint was that I had looked at my credit report online and there were accounts listed on my report that I did not recognize. They also did not have any identifiable information to tell me who and what they were. I submitted screenshots to you of them. There was a company response on here after I submitted my complaint XX/XX/2020 saying they were still investigating. It is now XX/XX/XXXX and the investigation has taken more than 30 days so far and I was not notified of investigation status or results. They also did not/have not fixed the error on the report. I was sent several letters on different dates stating they were unable to locate a credit file with my identification information provided. This seems like stall tactics to me. I faxed my drivers license, social security card, and recent bill to them for identification purposes and still no results. I would like this information removed from my credit file. They have not took the time to properly verify/validate the information before putting on my credit report and have not responded in a reasonable amount of time. If Equifax properly verified/validated this information confirming and proving these are my accounts, they should be able to respond in a timely fashion. They should also be able to send me proof of identifying information such as a contract with my signature showing that I have a contact with these accounts. This information is destroying my credit file. I've download some of the same letters they keep sending me. I could not find them all. I was receiving some multiples on the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off all accounts listed on my credit reports on XXXX and Equifax and proceeded to submit disputes to each reporting agency to start the process of having the amounts removed. It went smoothly with XXXX who simply verified who I was by giving my soc sec #, address and what the amounts owed were on the accounts, but with Equifax they wanted the same information and then wanted to know my previous employment in which I gave them my employment history for the last 15 plus years and the customer service rep kept asking me what other jobs I had. I had given her every job but then she asked was there a fraud alert on my acct which it wasnt because XXXX saw nothing. She then wanted me to send a hard copy of my social security card which would involve and lengthy period of extra investigation. I ended the conversation informing the rep I would try the online remedy, and attempted to do the dispute online to no avail because after entering the intial personal info on the 1st page and being informed they had found MY account, on the 2nd page they start describing various bank cards and auto loans in which I was supposed to have along with multiple choice companies that these things were supposed to be secured from to choose from which I never had and after clicking none of the above to all, they ended the dispute saying my answers didn't match their info. I then did a XXXX complaint search on Equifax and found over XXXX complaints with same experiences that I endured and saw your link
Product: Checking or savings account

I am beyond sick of Bank of America. I have had soo many issues with this bank and the latest is extreme long holds on checks. They continue to do this and I'm a preferred rewards member ( 27 years ) but they treat me terribly. They have no rhyme or reason or a clear explanation why they hold your hard earned checks for 10 to 12 days. Absolutely ridiculous how can you pay your bills with type of relationship. BofA is fraud scary and suspicious of every move you make. I don't want to have a relationship with a bank like this. They are very spooky and they transfer that over to me ( a customer ) as if I'm scammy or doing shady business. They once held a business check for 12 days a few months ago and I said I would never trust them again. But I went on ahead and deposited my real estate broker commission check and the teller never indicated a hold. Then I saw an email saying they are holding the check until XX/XX/XXXX. This is horrible because I have to pay my mortgage today or I'll have a 30 day late on my credit report. I was counting on this money to catch up on my bills. So now! 'm scrambling to see what I can do. BofA has created this pressure on me worrying about paying my bills. I spoke to the check maker and the funds have cleared their account and the funds are more than good. BofA still refuses to release my funds or any of my funds. XXXX bank has a glaring difference in philosophy, they give you a portion of your check deposited immediately and the balance the next morning. This is with business or personal accounts. I need this check hold released immediately so I can pay my bills. If I receive a 30 day late on my credit report due to BofA over reaction, I will never forgive them. I worked 4 months to earn that commission check and I deserve my funds right now. I made a grave error depositing this check into a BofA checking account. Please release the funds!
Product: Money transfer, virtual currency, or money service

I lost or had my cashiers check stolen on or about XX/XX/2015. The check was drawn on my Santander Bank account. I had Santander branch # XXXX research the matter they found {$4000.00} and {$10000.00} check, but not the {$14000.00} check in question. Somebody cash the check or if lost their account will be off {$14000.00} somewhere? I will assist with all information regarding this matter, as soon as you need. Thank you for any assistance you can do. XXXX XXXX. XXXX, XXXX XXXX.
Product: Credit card or prepaid card

Received email from USAA on XX/XX/29 that my account was to be closed due to XXXX  years of inactivity, which is valid. This account was open for many years ( 10+ ) and helped my credit score. They gave me XXXX  days to spend on the account to keep it active. I ordered a new card which took a couple weeks to show up and it did while I was out of town for the holidays. I planned to come back activate and spend money on the card to keep the account active. The XXXX day period is unacceptable for removing accounts that people count on the bolster their credit score due to good standing and longevity. 

Called USAA on XXXX when I came back home to activate the card and spoke with XXXX reps and was told it was impossible to reopen an account that they closed even if it was 2 days ago. 

Years of good standing credit history wiped away with a short runway to get in compliance in unacceptable from a company like USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX XXXX with account # XXXX, XXXXXXXX XXXX XXXX with account # XXXX, XXXX Secured credit card with account # XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX account # XXXX, Collection account from XXXXXXXX XXXX XXXXXXXX account # XXXX, Collection account from XXXX XXXX with account # XXXX, Collection account from XXXX  with account # XXXX, XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX Unsecured loan with account # XXXX, Public Record from a XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX XXXX Inquiry from XXXX on XX/XX/XXXX, XXXX from XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, XXXX from XXXX XXXX on XX/XX/XXXX XXXX Inquiry from XXXX on XX/XX/XXXX, Inquiry XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX Inquiry XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX XXXX  XXXX XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX XXXX from XXXX XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXX XXXXXXXX XXXX on XX/XX/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

I am demanding the removal of the following account since it has yet to be verified by the credit reporting agencies or the creditor. XXXX has since deleted both of the accounts because they could not be verified so how is Experian and XXXX still reporting these accounts? Please see the attached dispute letters sent to both the creditor and the credit bureaus over 60 days ago. This has fallen on deaf ears. I do not have an account with XXXX XXXX  XXXX. You failed to do an investigation when you were notified months ago. Remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

In XX/XX/XXXX, I had fraudulent charges on my checking account. They frozen my account and asked me to send them a note with my name, address, telephone number, the best time to call with my government ID and my signature 3 times. 

I did this on XX/XX/XXXX, they said that the document needed to be a PDF. I explained the customer service agent didnt say that. Five days later, I sent in the document again. This time they stated that they couldnt see my ID clearly. Five days later after my 2 attempt, I sent the document in again and they had another excuse of why they couldnt verify my identity. Im a XX/XX/XXXXthat is on XXXX that only get paid once a month and they still wont let me access my account. I resend that same requested information on today, XX/XX/XXXX because Im hungry with no money to get food.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans should have been dismissed in my bankruptcy.
Product: Debt collection

Victoria Secret is incorrectly reporting an account as charged off. I paid the account in full directly to Victoria Secret and closed the account with them.
Product: Credit card or prepaid card

I have been a Chase customer for over 12 years, and today at a restaurant, I found out that all my credit cards are closed for no reason without any notice. I called Chase today, and the credit card team supervisor XXXX told me that it was due to Retail banking issue, and transferred me to the Retail banking department which I have a Premier checking account with. But the Retail banking person told me that my Premier checking has no issue at all and it was all the Credit Card department 's decision. I felt being kicked between different departments and reaching nowhere. This is really bad customer experience and created tons of trouble on my life.