23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a recently opened credit card with Citi.
It is an AAdvantage MasterCard.
As you can see from the attached, I have a revolving credit limit of {$5000.00}, of which {$1500.00} can be used for cash advances.
Fine.
I went into the bank for a {$1000.00} cash advance on Friday,XX/XX/XXXX. I wanted a cash advance for the very long, XXXX XXXX weekend. I was declined.
I spoke with a bank employee, very friendly, named XXXX XXXX She called the banks " back office '' in XXXX ( XXXX XXXX XXXX ) and spoke with XXXX, and was told two things.
First, there had been fraudulent charges on my account. Second, I could only make my cash advances in some kind of increment and, after 45 days, could take {$1000.00}.
I told XXXX that if there had been fraud on my account, then why was n't I notified. XXXX was told that the phone number for me could not be validated. My phone number is XXXX XXXX XXXX and is the exact same phone number that I used to open the account.
This would not do. I would have to give them another number - one that could be validated - and they would leave me a message there. I gave them my home phone number and, in fact, they left me a " code '' at that number. The code was XXXX. I was to call the " back office '' myself, give them that code, and then I should be " ok '' to take my cash advance.
The long weekend has passed.
However, on Wednesday, I went back to the bank with my code. I was unable to speak with XXXX and instead spoke with XXXX XXXX. Also very friendly.
We called the " back office '' again with the code. XXXX confirmed what had occured and passed the phone to me. I confirmed that there had been no fraudulent charges on the account. There were no fraudulent charges on the account.
Fine. I was ready to go to the teller window and request my cash advance, according to XXXX in the back office.
I went to the teller window for my cash advance and was declined.
I went back to XXXX He and I were both perplexed.
Called the " back office '' and XXXX spoke with XXXX. XXXX explained to XXXX  that I can only take out increments of {$500.00} and no more. He also explained to XXXX something about a 45 day hold, etc.
I asked XXXX after he had been on the phone with them for a while, what was going on and did he understand what they were talking about. No, he said.
So, long story short, I need to understand from the bank why I could n't take out a {$1000.00} cash advance when everything that I 've gotten from them says that I can.
I have included a recent email from XXXX XXXX telling me that my credit is excellent, by the way.
Your help with this is very appreciated. I can get no answers from the bank.
Thank you.
Product: Student loan

First, my account has been improperly placed into a forbearance and/or deferment, when it should have been in the SAVE plan so that all months count toward my student loan forgiveness. I had originally been on the REPAYE and then switched to the SAVE repayment plan for the rest of my repayment period since it was first offered. When my loans were transferred to MOHELA, Mohela improperly removed my loans from SAVE and put them into a standard repayment plan - more than doubling my monthly payment amount. Prior to that, my loans were all on the SAVE plan. Accordingly, all of the loans should have been automatically moved onto the SAVE plan since they were originally on the REPAYE plan before. This was not done. Inexplicably, without my consent or request, MOHELA placed all of my loans onto the Standard/Level repayment plan. To fix these issues that MOHELA themselves caused, MOHELA placed me on administrative forbearance and/or deferment and told me to reapply for the SAVE plan that I had already been on prior to my loans being transferred to MOHELA. Their actions appear fraudulent. I never, ever asked to be placed on a standard or level repayment which is what MOHELA unilaterally did to my loans. MOHELA illegally capitalized my interest. MOHELA illegally charged me interest even after my account was placed onto the SAVE repayment plan. The SAVE plan is supposed to PREVENT the accrual of interest so long as all payments are made. As of the most recent injunction in XX/XX/year>, my monthly payment under the SAVE plan is supposed to be {$0.00} until the injunction is lifted. Instead of listing my payment as {$0.00} dollars, MOHELA still has my account listed as in forbearance and/or deferment, which is only after I was put on hold for 3 hours to argue a {$700.00} bill that MOHELA sent me in the mail. I need the account to be immediately placed into the SAVE plan. MOHELA coerced me into submitting a new IDR plan request under the false pretense that I needed to submit a new IDR application. In fact, there was no need to submit ANY new IDR applications. MOHELA was supposed to simply convert my REPAYE plan to the SAVE plan pursuant to the direction of the Biden administration. This was not done. Instead, MOHELA made me submit numerous applications each time I called in and then placed me on forbearance and deferment that set me back on my repayment schedule. Under the federal regulations, my IDR application, should have been the only IDR plan in effect on my account. As a result - All past due amounts ( and interest ) that has accrued on the account is the WRONG amount. MOHELA is willingly and openly committing fraud and taking advantage of financially vulnerable people. Action must be taken against the company as they are blatantly and knowingly defrauding Americans and misrepresenting the Department of Education and its values. There must be accountability for their crimes and American citizens like myself must be protected from predatory corporations like MOHELA.
Product: Debt collection

Several accounts in my credit report appear to have been added without my consent. I request these unauthorized entries be blocked and removed immediately.
Product: Checking or savings account

I am contacting this agency for the third time in regard to the same problem, but with complaints about the said resolution of the institute at fault. My original issue was the forgery of my signature and the disbursement of my funds to an unknown and not intended for individual. All I have asked since I was made aware of his problem was documentation from Citibank as to where my funds were deposited. Please refer to complaint ID numbers XXXX and XXXX. The most recent response from the Citibank Executive Response team on XX/XX/21 was 1 ) a lie about my complaint and sending me a copy of the check in question 2. ) giving me a {$50.00} credit for their mistake. I have made it known to them that I have done everything they asked to resolve this issue and still an avoidance of answering where my check was deposited. I have repeatedly advised them that what was at issue here was the theft of my identity. Apparently, to them, my identity is only worth {$50.00}. I believe now that their bill payment system needs to be taken down as their clients can not trust that their money will be sent to who it was intended and they will never be held accountable for it. I have now submitted my complaint to the FTC and will continue moving up the ladder. Unfortunately, as much as government agencies were created to help the average consumer, I have not found that to be true. I'll finish by saying that I too work for the government and I am proud to help serve the residents of my community, after all that is my job and I do it with diligence and respect..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and a living human being. I have the right to privacy, and Equifax has violated my rights by furnishing accounts to my credit report without my written permission. Therefore, I demand that the accounts listed below be removed from my credit report, in accordance with 15 USC 1681. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I filled a dispute with EQUIFAX regarding information on an account that was closed XX/XX/XXXX. As of XX/XX/XXXX - XX/XX/XXXX they had reports that payments were being accepted to this account. XX/XX/XXXX was listed as 30 days delinquent. So I filed a dispute I have a dispute number # XXXX. When I tried to view the the results online per there instructions, I get please call this number. I have called this number no less then 12 times, only reaching a live person 3 times, each time they say " sorry we can not access your file at this time, please call back in 30 min to an hour. '' I believe this is an organized FRAUD they are perpetuating on consumers. This may be grounds for a Class action suit against EQUIFAX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4400.00}, {$6000.00}, {$7500.00}, {$3000.00}, {$4500.00}, {$1000.00}, {$300.00}, {$9200.00}, {$2100.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 









-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

4. XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.
Product: Credit reporting, credit repair services, 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. 
1 ) XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX XXXX Account # XXXX 3 ) XXXX XXXX Account Number : XXXX 4 ) XXXX  XXXX Bankruptcy Case Number : XXXX 5 ) XXXX  XXXX Bankruptcy Case Number : XXXX 6 ) XXXX  XXXX Bankruptcy Case Number : XXXX 7 ) XXXX XXXX  Account Number : XXXX 8 ) XXXX XXXX XXXX Account Number : XXXX 9 ) XXXX Account Number : XXXX 10 ) XXXX XXXX  Account Number : XXXX 11 ) SOC SEC ADMIN OFFICE O Account Number : XXXX 12 ) XXXX XXXX XXXX Account # XXXX 13 ) XXXX XXXX account # XXXX 14 ) XXXX XXXX acct # XXXX 15 ) XXXX XXXX XXXXXXXX partial account # XXXX 16 ) XXXX XXXX XXXX XXXX partial 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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

I submitted a credit investigation request to Trans Union well over 30 days ago. I have not yet received the results of my investigation.
Product: Debt collection

I received a letter from XXXX, XXXX a debt collector, dated XX/XX/XXXX stating that XXXX XXXX XXXX XXXX XXXX was the debtor and the debt description was Paypal for {$290.00}. Per conversation with XXXX they said that the last payment that was received was in XXXX which was a red flag to me and didn't sound correct. I immediately asked for a debt validation letter regarding this matter and today XX/XX/XXXX, I received a letter from XXXX XXXX stating that they are unable to resolve the request because they need additional information ie. ssn, acct number, copy of credit report. If you sent me to collection then you should have all this information. Sounds like a scam.
Product: Mortgage

In previous correspondence and all replies from Wells Fargo Home Mortgage, the generated robo letter states, " Wells Fargo is unable to establish contact with me ''. With all correspondence sent and owing my home for over 10 years and not changing my phone number, email, etc. The information has remained the same, additionally I attempted to establish contact with my new point of contact ( XXXX XXXX ). After visiting the Wells Fargo branch on XXXX XXXX, located in XXXX and chatting with representative XXXX XXXX. I attempted two phone calls direct to ( XXXX ) XXXX at XXXX and XXXX, both went directly to voicemail, without a return phone call and or email, etc. I have come to the conclusion that Wells Fargo Home Mortgage does not want to solve any issue that I may have and or resolve any confusion on my accounts. What XXXX XXXX did do today, was listen to concerns intently and assured me that he would do everything in his power and control to make certain that I have a pleasurable experience moving forward. Since first contacting Wells Fargo Home Mortgage and numerous points of contacts it has been my hope to obtain some sort of resolution as to how my payments were applied. Not once did Wells Fargo Home Mortgage request any receipts, bills, proof, yet they continue to send my information to collection and foreclosure bureaus. It is disturbing that a conglomerate of this magnitude operates on such a low level. Attached are the payment history of what I have deposited on a daily basis. Store # XXXX {$760.00}. Store # XXXX {$760.00}. Store # XXXX {$760.00}. Store # XXXX {$760.00}. XXXX # XXXX {$810.00}. Store # XXXX {$810.00}. Store # XXXX {$810.00}. XXXX # XXXX {$800.00}. Store # XXXX {$840.00}. Store # XXXX {$770.00}. XXXX # XXXX {$50.00}. Store # XXXX {$1300.00}. XXXX # XXXX $ XXXX funds of {$540.00} for XXXX {$840.00}. Store # XXXX $ XXXX/Unapplied funds of XXXX for XX/XX/XXXX/Total {$1600.00}. All totaling {$11000.00}. The following information is readily available in all records of the banks, how Wells Fargo Home Mortgage chose to apply these deposits is of question. There have been several unauthorized escrow analysis without my knowledge or consent, yet I have not received a definitive answer to my concerns, just robo replies. To suggest that " We are unable to establish contact '', especially when I make the opportunity to call XXXX XXXX ( XXXX ) XXXX and contact Wells Fargo Ceo 's directly. It is my hope that anyone from Wells Fargo Home Mortgage, will address my repeated concerns.
Product: Mortgage

I have/had a loan with Caliber Home Loans. Earlier this year, I want to say XXXX, I pursued with the help the the state of Massachusetts Attorney General 's office a modification which was finalized and signed. I send my payments to XXXX each month via tracked mail and have been doing so for over a year. Caliber received my check on XX/XX/XXXX and did not cash it like they normally do. I called and asked about it on XX/XX/XXXX and was told that my servicing would now be handled by XXXX XXXX, that they had sold my loan. This was 19 days ago, and I still have not received paperwork from either servicer regarding my mortgage loan. It is my understanding that I should have gotten paperwork of some sort at least 15 days before my payment was due, which is the XXXX. I have no address to send it to, no new loan number which is necessary since nobody seems to want to send statements. I have already had to fight foreclosure threats from Caliber and had to call in the Attorney General in order to do so because they kept finding reasons to bounce modification requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and ( Original Creditor : ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This Debt Collection Agency has my medical information, which i did not authorize them to have and Shared my medical information with the XXXX Credit Reporting Angencies in XXXX 2016, when I disputed the validity of the debt! This is inviolation of the Hippa Laws!
Product: Debt collection

PMT Solutions was given a contract to collect a debt from XXXX XXXX XXXX which I had no knowledge of and was able to easily resolve with the XXXX after calling them. However the collection agent " XXXX XXXX '', which I'm guessing is a pseudonym and possibly a FDCPA violation, was extremely rude, made no effort to understand the situation and instead chose to mock me and assume I was totally at fault despite having perfect credit and never missing a payment on any account. He also chose to pursue a personal email and cell phone number ( most likely in violation of the FDCPA and the TCPA ) before even trying official business contact methods which would have worked.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report on XX/XX/XXXX and found that I still have accounts reporting on my credit report fraudulently. The XXXX XXXX XXXX account # XXXX, opened XX/XX/XXXX XXXX {$1300.00} has been previously disputed through Experian and XXXX personally. I have reason to believe investigations conducted have not been thoroughly conducted as only the balances on the debts have been updated and no validity of the debt has ever been produced by debt collection agency or credit reporting agency.Upon sending a letter to verify what debts that I allegedly owe, the address presented on all XXXX credit reporting agencies is a fictitious address as this company is just a sub corporation attempting to collect a debt for XXXX XXXX. There is now a XXXX XXXX account # XXXX opened XX/XX/XXXX XXXX {$2000.00} reporting fraudulently as well via same company. XXXX Account XXXX has recently been placed on my credit report balance {$530.00} and have never notified or communicated of any debt what so ever. These accounts are in violation of the FCRA and is a violation of 15 USC 1692g in particular. Please ( RE ) investigate these accounts as they are hindering my ability to obtain credit. These accounts violate the FCRA are subject to {$1000.00} per violation as well damages accrued in the process of insuring my credit report has been reporting fair and accurately for several months now. Attached is evidence of Experian removing the deleted Resurgence account and replacing it with the XXXX account with the false address.These damages would certainly fall under 15 USC 1692d with both debt collection agency and credit reporting agency being liable
Product: Credit reporting, credit repair services, or other personal consumer reports

IRS held funds from consumers tax return in XXXX and used the funds to repay student loan Dept to US Dept of Education in the full amount of over {$5000.00}. Information is still showing on all credit reporting sites. 


Please delete adverse information and accounts from consumers reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX