23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted my income during repayment ( IDR ) application on studentaid.gov in XX/XX/XXXX. It was then processed by studentaid.gov in 2 weeks and sent over to MOHELA for processing. I received two letters from Mohela the first stated that my form was received and the second stated that I was placed on the SAVE plan with a monthly amount that I would pay. Since that time I have been removed from the SAVE plan, my selected payment plan ( which was in effect throughout the payment pause ) the repaye plan, and placed on the level plan. This was done without my knowledge or consent and without my IDR being calculated. I have contacted mohela multiple times to inquire why I was placed on the level plan and not kept on the repaye plan, so that I would have a repayment amount that would be affordable. All of the representatives I spoke to confirm that I was on the repay plan, and they were not aware of why I was taken off of this payment plan and placed on the level plan. None of the people I have spoken to, which include a supervisor were able to answer my questions. They were not able to give me an accurate timeline for when my IDR would be calculated. I have received multiple letters from Mohela with conflicting information and new processing dates.It has been almost 6 months and now I received a bill stating that I will have to pay over {$5000.00} a month starting XX/XX/XXXXXXXX XXXX XXXX 
I explained to the supervisor that I spoke with that {$5000.00} was outside of my ability to repay, and I requested that my IDR calculation would be fast tracked and that my account be placed into administrative forbearance. She stated that she was not able to do either. I inquired why I was not placed in administrative forbearance, as it was MOHELAs responsibility to calculate my IDR within the timeline that they said, for, after it was submitted to them by studentaid.gov. She was not able to answer that question. 

Im currently on the public service loan forgiveness program ( PSLF ) And these months that I have not been able to pay, do not count towards my public service loan forgiveness payment counts. MOHELA is refusing to place me on administrative forbearance while they calculate my repayment amount under the safe plan that I applied for. I have lost six months worth of payments, and now my public service loan forgiveness timeline has been pushed back six months. I am being punished for their inability to complete the tasks that have been set for by the federal government. I work as a XXXX XXXX XXXX, and this whole situation has caused a lot of mental anguish, frustration, and fear. I chose to XXXX XXXX because I wanted to help my community and now this whole situation is making me rethink working as a public servant, and as a XXXX XXXX XXXX in my community. I want to pay my loans back, but I would like mohela to allow me to do so in a way that doesnt financially burden me and cause me undue stress. Please help me Im not sure what to do at this point.
Product: Bank account or service

When I opened my ck'g accts at Bank of America , I was assured I would not be charged acct maintenance fees for the 2nd acct ... However, I am being charged $ XXXXmonth for an acct that actually protects BOA interests ... I use this acct as a " pocket money '' vs carrying cash. If my card gets skimmed, I keep only a few {$100.00} in it to be drained and disputed ... However this also protects me, also.. As the dispute process is very egregious and flawed where BOA does not have their customer 's best interests at hand ... I want the $ XXXX/mo fees that began in XXXX to be returned .... 

This brings me to my second issue.. On XXXX occasions I have disputed card transactions with BOA and instead of being my advocate, they either side with a corrupt merchant or place my resolutions out of grasp.. I want the disputed amounts refunded.
Product: Debt collection

In XXXX, 2020 I called XXXX XXXX, XXXX, XXXX  to cancel my membership due to the fact I had XXXX  and suffered XXXX XXXX XXXX and unable to work much less work out. I went to the gym and they were closed so I had to phone them for immediate cancellation of my membership, which the manager on phone duty assured me the account was cancelled. I began noticing ongoing withdrawls from my bank account and continued to call and email ( emails attached to this complaint ) during these last phone calls/emails I was assured by XXXX XXXX XXXXhat my account was canceled and there would be no further activity against my bank although they refused to refund me for the past 3 years of billing. Needless to say, the continued to take funds from my account at which time I contacted my bank which also got involved and canceled all my debit cards to stop the illegal withdrawls per my email demands for cancellation. I have now received collections against my credit report dropping my score XXXX points for a fraudulent charge and they refuse to remove it. I have also reported to the Ohio Attorney General. Please remove this and refund the past 3 years of illegal charges in the amount of {$29.00} for 36 months in the amount of XXXX of illegal, unauthorized and fraudulent charges against my bank account after knowingly accepting my cancellation demand.
Product: Credit card or prepaid card

Hi I am using American Express Serve Card. I use it to get my direct deposits as well as purchases. Quite a few times I have noticed that things didn't add up as far as when I returned something me seeing the money added back to my card. The times that I call a rep just more so made it seem that I overlooked the return. Most recently I brought two things online on at XXXX for {$14.00} and XXXX XXXX for XXXX the money was deducted on out my account and place on hold pending the shipping. I also around the same time return an item at XXXX for XXXX and another for around {$20.00}. Because I notice a few time that I felt they were not properly returning my money. I transferred majority of my money into my saving to monitor the returns. Well now I have a negative on my account for XXXX. I called the and they told me that they took the hold off of the XXXX and XXXX XXXX and that the money went back to my account. And that when both items shipped they authorized my account again. I stated that was not the case I then told them that the only money that went back to my account was from the store return and requested to speak to the dispute department. After being on hold for like 20 mins and then the rep told me that the dispute dept refused to take my calling stating that the account was accurate. I don't agree! Please help me ...
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX did not authorize the car company XXXX XXXX XXXX. Located in XXXX XXXX XXXX in XXXX pa to run my credit report at all! I did not give them authorization to run my report and this is unacceptable, they ran my credit through XXXX companies of the name of capital one auto finance and XXXX. I had really tried to get this removed and to no avail. Please report this company
Product: Mortgage

My Aunt died in XXXX of XXXX. As XXXX of my aunt 's estate, Wells Fargo locked me out of my aunt 's home during listing in XXXX, denied that they locked the house even though their letter was posted inside the front window, I went through all required steps for weeks to get the issue resolved. Wells Fargo called me a liar, denied photo evidence, visited the site and blocked my ability to sell the property then foreclosed the loan. I had Escalated Teams assisting. The team member quit returning my calls after the lockup. They state loan acquisition XX/XX/XXXX. This caused me to not be able to sell the home, satisfy the loan or produce sufficient funds to allow disbursement to devisees. To say that was a horrible time in my life is an understatement. Wells Fargo disallowed me the chance to meet her dying wishes and destroyed my emotional health. The home loan was XXXX the assessed value was XXXX in XXXX.
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and notice i had fraudulent accounts on my credit report. Please remove these accounts from my credit report.
Product: Credit card or prepaid card

Hello, I signed up for the Citi Double Cash card on XX/XX/XXXX. The promotional offer at the time was for a {$150.00} cash back bonus after {$500.00} in purchases within the first 3 months of opening the card. I called multiple times to confirm that the bonus was available and was told over the phone that it was available. The week of and the week after I signed up, as well as in Mid-XXXX and twice in XX/XX/XXXX on 1XX/XX/XXXX and XX/XX/XXXX. I have met the minimum spend amount and am expecting the bonus but was told now that the sign up bonus was not applicable to my account. I have a screenshot of the bonus offer if needed. 

Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX or XXXX, 2020, I contacted XXXX XXXX regarding my XXXX XXXX account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/2020 via internet. On the same day, I contacted XXXX XXXX regarding XXXX XXXX account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with XXXX XXXX with enrollment on the COVID-19 last month. 

On XX/XX/2020, I received multiple alerts about a negative reporting on my credit file. XXXX XXXX reported my XXXX XXXX accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and XXXX  XXXX may be experiencing some technicalities with this COVID-19 suppression/deferment program as the same issue I reported regarding my XXXX XXXX account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from XXXX XXXX account & from all three credit reporting agencies XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After initiating a complaint of inaccurate information your reporting on my credit report on XX/XX/2021 then receiving a response of verified from Equifax. I then sent you another letter requesting your Method of Verification which you received on XX/XX/21 and you signed for and I received NO response back.
Product: Checking or savings account

Regarding Citizens Bank, XXXX, XXXX On XX/XX/XXXX I closed my personal savings account after undesirable help at this office. I then filed a complaint with OCC. 
On XX/XX/XXXX received a reply from Citizens Customer Resolution Dept which did not address my question of why I had to wait 6 days to get my money in cash - I gave them a notice of 2 days but the manager told me I had to wait 6 days - " because that is the way it is ''. I waited and went the 6th day and got my cash. 

On XX/XX/XXXX I left a messsage for XXXX XXXX - Office of the Chairman @ Citizens in Rhode Island who had sent the first letter. I stated that I had given several days notice to withdraw my money but I felt waiting 6 days was not appropriate. I never received a return call from Ms. XXXX and WE HAVE NEVER PERSONALLY SPOKEN ABOUT THIS ISSUE. On XX/XX/XXXX - received a letter from Ms. XXXX notifying me that Citizens " has elected to discontinue its account relationship with me by closing my husband and mine joint saving & checking account. This checking account has been in existence for at least 35 years with no problems. The closure is effective XX/XX/XXXX or maybe before if they elect to do so. My problem : My husbands social security check, retirement check, pay checks are all directly deposited to this account. We also have multiple automatic payments coming from this account. The closure of this account would be a financial hardship as this is how we get our money to live on. I do not believe that this is ample time to make arrangements at another bank. 
On XX/XX/XXXX my husband went to this branch to withdraw some of the savings money and he talked to the manager. Her and the teller said that " Mr. XXXX you name is not on those letters- only your wife 's name is. So, what he found out is that they will still do business with him but do not want me! I am sure this is total retaliation against me for filing the OCC complaint. I am very willing, however, to take my name off the checking account if they let everything remain the same and without opening a new checking account to save us switching all auto deposits/deduction to another account. 
The OCC can not give me any help until they finish their investigation and that could be up to 60 days! We will be sunk without our money. Can you help me/direct me to get some help quickly so as to not let us be without our monthly income. thank you in advance.
Product: Checking or savings account

Capitol One bank didn't deposit my paycheck early or on time. The XXXX 2025 on Friday is when I get paid, but didn't. It was a direct deposit for XXXX. I rely on these checks every week. Now I'm stuck at home with no gas, XXXX kids and no answer to when I'll get my money. I called them waited for over a hour on the phone to hear we don't know when you'll get your money.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove inquieries XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Re Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies Factual Data Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXr Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies Factual Data Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks Factual Data Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so exhausting ... .. I have been going back and forth with Equifax for the past year and A half .... they removed fraudulent accounts from my credit and then re-inserted them back to my credit when the accounts are fraudulent. 

I have supplied Equifax with my police report, fraud affidavit and my FTC case number because I have also reported the fraud to the federal trade commission and Equifax has yet to remove the accounts that have been placed in my name. 

The accounts that are unknown to me and included in the police report are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My wife and I needed new checking accounts. I was sent a promotion incentive email for Citi Bank to open new checking accounts, maintain a {$300000.00} bonus for 60 days and they give you {$2000.00} incentive for doing so. I opened my account on XX/XX/XXXX and funded it with my savings money from XXXX XXXX XXXX in the amount of {$260000.00}. On XX/XX/XXXX my wife opened her checking account from Citi and I funded it with my savings from XXXX XXXX XXXX with {$59000.00}. I then transferred {$150000.00} from my Citi account over to her Citi account to maintain a higher balance and receive a higher incentive from the Citi checking account promotion and Citi Bank has blocked my account. Since, they have not provided me the reason for blocking nor have refunded my money. They blocked the transaction from completing so, Citi currently has {$340000.00} of my life savings currently blocked. We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This savings money is everything we have as a family. XXXX college tuition, down-payment for our next home ( in which we XXXX  soon and need access to our funds to find our next home ). I called and made a complaint to Citi XXXX XXXX XXXX, they provided me with a reference number XXXX. They claimed I would get a letter within XXXX business days but those days have passed and I still have no letter or no confirmation as to when my account is going to be unlocked or more importantly my money refunded back to me. I called the XXXX XXXX back, since it has been about 19 days and since they have closed my case again with no information as to when and where my money is. Also no indication as to why my account was blocked or if its going to be un-blocked?
Product: Debt collection

Don't know exact date. Was around 1 month ago. Contacted collection agency on phone. Requested validation on amounts due. Company said they would send. Instead they immediately posted collection account on my credit report which is illegal. As they had never sent me the written documents I requested or validated anything. I would like this collection removed immediately. Until they verify all info and process is completed. They use scare tactics sending information via email posing as a law firm thinking your getting sued. 

I am working with the original creditor instead of them which they also told me I couldn't do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My complaint is due to my divorce and primarily involves my HELOC, though my first mortgage ( fixed rate Home Equity, really ) is with the same lender. I will remain with my kids in the home and want to assume both the Home Equity and the HELOC ( or have my ex-husband 's name removed ) but I 've been unsuccessful. I 've submitted a complaint previously but ca n't dispute the response, possibly due to the age of my complaint, but research takes time. I 've had a chance to review my HELOC docs and have several issues. First, my ex and I both believed the HELOC was secured by a different residence that he 'll be keeping ( no loans attached ). The docs do n't state what property secures the HELOC. After many calls to my lender, and much confusion on the part of my lender during research, I 've been told that the home in which I reside secures both loans. Next, I 've researched some info re : " due on sale clause '' being one of the only tools available to lenders to prevent assumptions. I ca n't locate this clause in my HELOC docs, so I 'm wondering if that may only apply to first mortgages. Whether it applies only to first mortgages or to the HELOC, as well, I 've been told by my lender that I ca n't " assume '' my loans nor can I have my ex removed. If my lender is incorrect in prohibiting me from removing my ex, I 'd like to know how I should proceed. If THAT does n't help my situation, I 'd like to know if the 1982 Garn-St Germain Act applies, and if so, how I should proceed. Finally, my HELOC docs state that instructions for some types of transactions may be made by one borrower without requiring all borrowers to sign ( though reinstatements for borrowing, etc., must be made by all borrowers ). I 'd simply like to instruct my lender to remove liability from the second borrower. My requests for the past 4 years have been denied. I 've shown my ability to pay without a second borrower for the past 4+ years, without any late payments, and I also have liquid assets equal to many months of payments. Aside from the proof of my ability to pay, could my divorce documents be presented to my lender to accomplish my request? We currently own XXXX houses together, XXXX without any loans whatsoever, which my ex will be retaining, and making monthly payments to me. I own the one house mentioned above with a mortgage and HELOC as well as XXXX additional homes without any loans whatsoever. I 'm requesting assistance again due to new information and my inability to convince my lender that I 'm just as trustworthy as I was when I applied for my loans with my ex as co-borrower. I 've always made the payments without his assistance, but as mentioned, can prove I 've made payments for more than 4 years without his assistance. Any help you can provide is appreciated. I 've mentioned a couple of scenarios above that I 've run across while researching, but if there are other options that will help me achieve my goal, please let me know.