23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I paid my monthly due throughout the Pandemic pause even after the following timeline began... 
XX/XX/XXXX I was notified that my servicer Mohela would process my loan forgiveness XX/XX/XXXX Received an email from Mohela that my student loans were forgiven XX/XX/XXXX US Dep of Education emailed notification that the payment pause was ending and that I should check with Mohela because my account was awaiting discharge On or about XX/XX/XXXX I called Mohela customer service and was told that my file was processed on XX/XX/XXXX and the refund would be redeposited in the manner paid within 60 days after the call, I checked the app, the app showed a {$0.00} loan balance but a credit balance of {$15000.00} ( I took a screenshot ). 
XX/XX/XXXX I called 3 times, the first time the wait was XXXX minutes but the call was answered at XXXX minutes. When I finally spoke to a rep she said there was no file -- I explained that it had been forgiven and gave the old account number. I was on hold for XXXX minutes so she could talk to her supervisor, and she came back again and said she would transfer me to her supervisor, I held for XXXX minutes and the call disconnected. I called back but the call center message said I needed to call during hours of operation. 
XX/XX/XXXX I called again and waited for XXXX mins. This representative saw that there was previously a credit but indicated refunds would take 90 days. 

I just want a solid answer on when I should see this refund.
Product: Credit card or prepaid card

As I was working on my taxes ( XX/XX/2019 ), I identified multiple charges that I did not authorize from a company called XXXX XXXX XXXX, XXXX NY. Since I was not familiar with this company, I contacted XXXX ( Barclay ) to inquire. On my first call, I asked XXXX ( Barclay ) for contact information for this company, as I could not find an online presence for this company ( they never provided it ). When I reviewed my bills further, I identified a total of 7 charges on two statements for a total of {$4700.00}. This prompted the second call to XXXX to identify it as fraud. Please note some charges were executed on the same day. I was informed by customer service to circle the charges on my statement and fax the statements to the company. This was done promptly. When I called back in about two weeks, I was told they did not have the statements and to refax to a different fax number at the company. I promptly did this as well. When I called to follow up, I was told that my claim was denied. No reason was given. I was told a letter was sent informing me of the denial. I never received a denial letter from XXXX. This is one of multiple occurrences of unethical and unbussinesslike conduct by the bank that I've experienced.
Product: Debt collection

I sent a request for a validation of the debt and I have not received any response. 
The only reason that I knew of this debt was by looking at my credit report because I have not received any notice. I have also disputed the item on my credit report, but Evergreen Professional never responded to request sent USPS XXXX.
Product: Credit card or prepaid card

I received a letter in XX/XX/2021 advising me that I was denied for credit with Wells Fargo and needed to go to an in-branch and present documents to get approved. I never applied for anything with Wells Fargo. I immediately looked up the Wells Fargo toll free number and called to report. I spoke with a XXXX and was advised that a report would be opened. That report number is XXXX. I have since attempted to follow up and have not had any success. I keep being transferred to a different department with different numbers : XXXX XXXX XXXX XXXX advised me that Wells Fargo would investigate and would report to me the results of the of the investigation. To date, they have not reached out to me nor have I been able to contact anyone at Wells Fargo in the Fraud Department, Customer Service, Application Department, etc.
Product: Credit reporting

I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX DATE REPORTED : XXXX/XXXX/2007
Product: Credit card or prepaid card

I received a communication from Home Depot ( Citibank ) regarding a credit card charge. I immediately contacted Home Depot and after remaining on hold for more than an hour, I finally reached some one who directed me to Citibank. I called them and explained that I had never applied for a Home Depot card and did not have one. The person I spoke to assured me that they would send it on to the fraud department. They said that someone had applied for the card in the store and they would start an investigation. 

Then about one month later, I received a call with a recorded message that my account was overdue with new charges. I had another long session on the phone with someone named XXXX and employee number XXXX. He repeatedly asked me for personal information even after I explained the situation. I resisted but finally relented, after which he continued to ask me to make a payment on the account. I was finally handed off to a supervisor, who admitted that the account was flagged and saw that I had contacted them previously. She put me on hold, then returned and said the Fraud department could not be reached. This occurred Saturday, XX/XX/XXXX. 

Today ( Wednesday, XX/XX/XXXX ) the recorded calls started again, asking me to call the same number. I would like these people to straighten this out on their end and never bother me again. I promise I will never open an account with them. I have no account number because I have no account or documentation because I have no account. They can only find me by using my name and phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX a company well bank called synchrony Bank did a hard inquiry on my credit stating that I had put in an application with them and was denied I never put in an application for anything with his company and I've never even heard of this company / Bank!!! I've been called the company to resolve this matter and they claim they didn't even have me in their system and had no information on me but they sent a letter to my home address so I do not believe that. I contacted XXXX to get this off of my credit but they claim because it wasn't on my actual report and it was a hard inquiry I could not get it off without contacting the police or getting a letter of deletion from them which synchrony Bank is refusing to give me because they claim they don't have any information on me but they're lying. this is happened to multiple other people I have googled this issue and I want it taken down immediately
Product: Credit card or prepaid card

I was a cardholder with XXXX Rewards through XXXX XXXX. Marcus by Goldman Sachs bought the XXXX XXXX credit cardholders balances sometime in early XXXX. During the transition they removed all autopay information therefore causing a late fee to be charged on my account. When I called and requested a payoff on XX/XX/XXXX which they quoted me was {$4200.00} which I paid and the late fee was waived. The representative misstated the payoff and a per diem interest charge of {$47.00} remained. When they charged me another {$40.00} late fee I contacted them in XXXX where this discrepancy was discovered. Since then they have refused to waive that late fee and have now charged an additional {$80.00} in late fees. After 5 attempts to resolve their error I was forced to pay {$170.00} which included {$120.00} which is almost 3X the amount owed comprised of ALL FEES AND INTEREST. They have behaved in a completely predatory fashion and I'm certain their are many more unsuspecting consumers who simply don't understand and can not afford to pay these egregious fees and interest charges and may be adversely impacting them financially and possibly with their credit scores.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX This CFPB complaint has been filed In pursuant of FCRA 605B ( 15 u.s.c. -1681C -2 ) that you experian reporting agency, block information appealeing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This is fraudulent, and inaccurate, and false information the accounts and information that appears related to the aforementioned personal accounts These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

XXXX has gotten me out of {$2000.00}. I was using XXXX as a form of payment that went directly into my Chase account. One moment it was there, the next zero history, while customer service severely slacks the intelligence to resolve the issue. I received a payment from a highly trusted sources about six hours later its gone, and while it was showing in my XXXX account, it still never transferred to my bank. XXXX blamed it on Chase & Chase blamed it on XXXX. Meanwhile, Im stuck having to cover extra expensesthanks to XXXX & Chase forcing us to rely on a third-party service that clearly doesnt function properly.
Product: Credit reporting or other personal consumer reports

-- -Notice of Demanding the Description Of The Reinvestigation -- - I am writing to you once again in regard to the inaccurate and unverified information currently listed on my credit report. Despite my previous request for reinvestigation, the information in question remains on my report without proper verification. 

-- CFPB report # XXXX submitted XXXX -- - -Account XXXX XXXX XXXXXXXX XXXX ( 30 days ) & XXXX ( 60 days ) As per the Fair Credit Reporting Act ( FCRA ), I have the right to request a reinvestigation of any information that I believe is inaccurate, incomplete, or unverified. It has now been a reasonable amount of time since my initial request, and I have not received sufficient evidence to support the accuracy of the aforementioned entries. 

As a result, I demand that you immediately : Reinvestigate the disputed information thoroughly and completely. 
Delete any unverified information from my credit report if the creditor or data furnisher can not provide proper verification of the account. 
Provide me with a written statement regarding the results of your reinvestigation, as well as an updated copy of my credit report showing the deletion of any unverifiable information. 

Please note, this is my final notice regarding this matter. If you fail to address this issue or fail to remove the unverified entries within 30 days of receiving this letter, I will be forced to take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action as permitted under the FCRA. 

I expect prompt and thorough attention to this matter and look forward to receiving confirmation that the inaccurate and unverifiable information has been deleted from my credit file.
Product: Credit reporting or other personal consumer reports

Ive tried to get information that is not mine off of my credit report I was a victim or identity theft and in evolved an multiple data breaches UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Credit reporting or other personal consumer reports

This ( XXXX ) XXXX Account XXXX that is reporting on all XXXX credit bureaus is inaccurate, I requested an investigation with all XXXX bureaus, and the account came back as " verified as reported '' the first time. I asked for a re-investigation as it is inaccurate, or removal from my report. I asked for a copy of the XXXX as well from all parties. This is also XXXX XXXX XXXX IRS from XXXX. XXXX came back on XXXX dispute within XXXX hours came back as " updated. '' Experian says " remains '' same with XXXX. I stated it should reflect a XXXX $ balance and because they charged it off how are they reporting month after month when it is a closed account!? It should be charged off XXXX time. This is a violation of my rights under FCRA with the furnisher 's allowing it! 15 U.S.C. 1681 states they should have to pay me {$1000.00} for them causing me damages on my Credit Report and still not fixing the inaccuracy after several disputes of me telling them the account is reporting inaccurate information!
Product: Money transfer, virtual currency, or money service

Coinbase won't allow me to fund my account manually via routing and bank account numbers. They let customers fund manually for deposits but not withdrawals. They are forcing me to give them my bank account password.
Product: Credit card or prepaid card

Dear Sir, I have closed my Individual Chase Credit Card on XX/XX/2018 by paying off completed credit card balance. Chase also responded to CFPB that credit card has been paid and closed.I have only used this card for purchases, bills payment and same is part of the CFPB and statement records. I never ever used this card for any other benefits ( any kind of insurance or coverage ) since the day I opened this card to closing dated XX/XX/2018. I have dedicated employee benefits and other companies, which have been paid from my salary and employer account. Hence, I never used chase credit card for any kind of insurance benefits. Surprisingly, I have received a letter from chase ( received on XXXX XXXX over USPS ) that making changes to closed credit card benefits, which does not make any sense and also unlawful/fraud allowing any kind of benefits or changes to closed credit card. I have no idea, why chase is talking about closed credit card benefits. First of all, I never ever used any of the benefits from chase since the day I opened to closing the credit card dated XX/XX/2018. When the credit card is closed with XXXX balance, all the transactions and everything related to credit card should be declined and closed effective dated XX/XX/2018. Chase kept on sending fraudulent notices and some kind of changes to closed credit card benefits, which is unlawful and fraud. I will be filing official complaint at Concerned courts and law enforcement if Chase allows any kind of changes or manipulation to my closed credit card. Chase credit card has been closed dated XX/XX/2018 and there should not be any more further transactions or any kind of activity on this card. If someone used any of the benefits using this individual credit card, it comes under misrepresentation and unlawful activity. I am the only one resident and lease holder of my address and there is noone else associated to my address or social. Could CFPB direct Chase Credit card to issue me a letter saying that chase is not manipulating my closed card and what kind of unlawful benefits mentioned in their letter. Could CFPB direct Chase Credit card to issue me a letter that my card has been closed effective from XX/XX/2018 and there are no transactions or fraud or no unlawful activity or no misrepresentation by anybody or noone used any kind of benefits at any point of time using my individual credit card. Chase credit card company has been committing unlawful activities and creating troubles to customers and chase has been harassing customer after closing the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to all three credit reporting agencies on XX/XX/23 asking them to delete the XXXX XXXX Account that are on my credit reports. The creditor and I made an agreement on the debt that if I paid and satisfied the debt it would be deleted from my credit reports. I sent them the proof that this was the case and that I had paid the debt and to please delete but, they did not delete the account it was just updated instead.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING INQUIRIES THIS IS FRAUD. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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 am writing to formally dispute the inaccurate information on my credit report due to my recent XXXX XXXX XXXX XXXX  I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

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 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Bank account or service

I was using Ally Bank Bill pay service to pay the monthly rent for my apartment. 
For the month of XXXX, XXXX and XXXX the rent has been paid using the Bill Pay. My account shows that money has been check has been delivered to the landlord and money debitted from my account. But my landlord is not accepting that money has been received. Finally I was put onto the eviction and I was told that I need to pay the month of XXXX 2016 rent with late fees? What 's going on? Who is right - Bank or this landlord. Today in the court this landlord said via his attorney that check has been sent to me via certified mail which I am yet to receive ... for more than 30+ days - i am showing the money has been debitted. I was out of country for almost 6.5 weeks so could n't follow with Ally Bank but they are saying follow up with the landlord. But the landlord is not willing to even talk - one needs to talk to the attorney. I end up paying late payment and unfortunately the original check money is also gone from my account. If money is debited from my account and check has been delivered but landlord is saying that they do n't have the money then where is the money?
Product: Credit card or prepaid card

I referred a friend to apply for an Amex credit card on XX/XX/2019, through my Amex Gold referral link ( one of the three ways Amex provides for referral a friend ). I supposed to get XXXX Memebership Rewards after my friend got approval. He applied the XXXX XXXX card and got an instant approval [ Note that Amex now allows cross referral, that is, I can use gold card to refer other Amex cards ). However, after more than two months of waiting, and three long calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), they declined to give me the referral bonus, quoting " You are not following the email referral process '' and questioned that anyone can claim they referred someone, even if I pointed out to them who I referred and his approval date. 

More importantly, I clearly pointed out two critical facts as described below : - I shared the referral link with my friend, which is one of Amex 's official methods. [ referral through email is not the only way : they claim that I didn't follow the referral through email ]. 

- My friend clicked the shared referral link, and a window pop up stating that You are referred! [ My name ] has referred you for the XXXX XXXX American Express XXXX XXXX. Your friend will receive a referral bonus if you are approved. '' He clicked the continue button, and got instant approval. 

If as the representative described ( I stepped away from their referral process ), how come my friend can still see the above sentences? The sentences confirmed to my friend that I will get the bonus. In any case, if I stepped away from the referral process, my friend should not receive such information, as it is misleading and false information. 
My friend wouldn't have continued the application process, if the window didn't show up. 

I am so disappointed with Amex 's customer services, as the supervisor over the phone can't answer my questions regarding their arguments, but she still claim whatever she said.
Product: Money transfer, virtual currency, or money service

On XXXXXXXX XXXX XXXX PayPal suddenly restricted my account with no clear reason, freezing the funds I had stored there. I contacted PayPal multiple times, asking for a specific explanation of what rule or policy I supposedly violated, evidence to support that claim, and how to restore my account. So far, Ive only received generic responses indicating my account is permanently limited, with no path for appeal or way to withdraw my remaining funds. Paypal has not responded to my emails. This lack of transparency and the indefinite hold on my money appear to violate protections guaranteed by the Electronic Fund Transfer Act. Im filing this complaint because I need an immediate and clear resolution, including the release of my funds and a fair opportunity to address any issues.
Product: Debt collection

I recently discovered that a collections listed under Chapter XXXX BK although paid was a results of ID theft. I tried explaining this to a collection company NCC who I have never signed and contracts or documents with nor I have ever signed any contracts with the original debtor. I have never received the documents validating anything was signed or proof they believe it belongs to me. NCC is fully aware of my position but refuses to remove this from my file. I will be contacting the original credit as well as NCC to file suit immediately upon submitting this complaint. Ive been trying to settle this matter since XX/XX/2019.
Product: Checking or savings account

I was scammed few months ago and been trying to get my money back from back and XXXX XXXX. How it happened was through bitcoin. I sent the money from my bank to XXXX XXXX then buy bitcoin and finally send it to their wallet ID