23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I can't access my new account on EdFinancial. There is an old account and a new account. I can access my old account, but not the new. I received an email stating that my new account is ready to use. It states " Your new online account is ready! Your student loan ( XXXX ) with Edfinancial Services was successfully transferred to our new system. '' I did what I was told. I tried logging in and it doesn't not work. I tried contacting them and getting no reply. I tried using their Chat line and I get no reply. I have emailed them and still got no reply. I received mail from them saying how to log into the new account, how much I own and the payment due date ( in XXXX ). How can I repay my loans when I can't log in? 
Other people have this problem too.
Product: Credit reporting or other personal consumer reports

The accounts listed below are fraudulent and are negatively impacting my credit report. I have reached out to the creditors on numerous occasions to request debt validation as well as a signed purchase agreement to show full ownership of the accounts and I have yet to be provided with any of that information from wither creditor. The creditors and the amounts reporting are : XXXX XXXX XXXX {$7900.00} XXXX  {$110.00} XXXX {$1300.00} XXXX XXXX XXXX {$110.00} XXXX {$150.00} XXXX XXXX XXXX {$600.00} XXXX {$5.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX I would also like for the following inquiries to be removed due to them being unauthorized and fraudulent. The inquiries are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX It is my belief that SunTrust Bank has/had illegally opened a SunTrust Consumer Credit Card account in my name in XX/XX/XXXX without my knowledge or consent. I just found out about it because I had received a letter from the SunTrust Bank in XXXX, Tn. dated XX/XX/XXXX stating " Upon review of your SunTrust Consumer Credit Account, we see that you have not used your Account in several months. '' This was the first that I learned of my having a credit card account with SunTrust. On or around XX/XX/XXXX I called the toll free number in the letter ( XXXX ) and spoke with a women by the name of XXXX who advised that I would need to go to my local bank regarding the problem ; I told her I was not about to run all over town trying to resolve a problem that they started. A claim number of XXXX was assigned to this issue. On or around the day after my conversation with XXXX I received a telephone call from a gentleman named XXXX who asserted that this matter was a " fraud issue '' and would be sending appropriate paperwork for me to fill out and file. I told him this was not a " fraud issue '' ; that it was done by someone who works in the bank itself. On XX/XX/XXXX I received an email from SunTrust at my XXXX account of issues with the credit card account. Shortly there after I received another letter from SunTrust Bank dated XX/XX/XXXX that they have " accepted our dispute on the basis of fraud and would be happy to investigate this matter on your behalf. '' The letter than goes on to request personal information, etc. I believe that what has happened is : Sometime in XX/XX/XXXX I purchased a truck from XXXX XXXX XXXX dealership in XXXX XXXX, Fl. that SunTrust was the bank that XXXX went through for the financing ; which means that the personal information ( drivers license, social security number, etc. ) that the XX/XX/XXXX SunTrust letter was requested they had to already have had it from my initial application via XXXX XXXX for the purchase of the truck loan application. Shortly thereafter in XX/XX/XXXX I paid the truck off in full. After a review of my credit rating through XXXX XXXX on XX/XX/XXXX ; XXXX XXXX reported the SunTrust Consumer Credit Account opened XX/XX/XXXX. I have asked for copies of the credit card application that had been filled out but have received no cooperation from the bank ... they are now trying to " blow smoke '' that this is a fraud issue. I believe that someone at the bank opened this account. What is also interesting is that I never received any credit card account statements during these past years. Do the banks and/or employees have or get any compensation for opening these accounts? And do car dealerships get anything from these issues? I believe that the only reason that this matter has come to a head is that they are " purging '' accounts that have not had any activity and this popped up. 

I am filing this matter with you and under the Dodd/Frank Act through your organization. Please respond. 

Sincerely, XXXX XXXX XXXX All documents regarding this matter would be faxed to you upon your request. Not able to send with this complaint ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 or other personal consumer reports

While checking my updated credit report, I noticed several erroneous items that I did not authorize, I am unaware of, and believe to be fraudulent made by the following credit bureaus.Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

These debts from XXXX hospital are from XX/XX/XXXX and XX/XX/XXXX, I do n't understand why Capio put in my credit report that these accounts were opened in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have enclosed and Identity theft report an a letter citing all the fraudulent accounts on my credit report. Under XXXX XXXX XXXX, I demand you to Blocked and Removed these items on my consumer report. You must notified the furnisher of this information that I have filed an Identity theft report.
Product: Credit card or prepaid card

On or about XX/XX/21 XXXX, an internet music company charged my Citi Rewards Mastercard {$9.00}. I did not recognize or authorize this. I called Citi Bank credit card rep. who credited the charge, reported fraud, cancelled the account and resent me a new card with a new number. On XX/XX/21 I noted XXXX charged my new MC account {$15.00} on XX/XX/21. I called Citi Card rep and discovered via supervisor XXXX, that Master Card has a provision to give so called recurring charges to newly established credit card numbers. The previous rep. failed to disable this feature thus I was still being billed erroneous charges. Citi supervisor XXXX had to cancel my account ( again ) and send a new card. It is not clear that Citi has done their due diligence to prevent XXXX from frauding us again. Also I asked for a customer good will compensation but was denied any dollar amount.
Product: Debt collection

A woman called left a message on my voicemail stating that I was being sued. She left a number to call back. I called the number back a male sounding like in his twenties answered he sounded XXXX. He stated that they were going to sue me and pick me up at my home or my job if I didnt give them a credit card to put on file today. I explained I didnt have a credit card, and I just got a job I didnt have any money with me he kept repeating how much dollars do you have I said XXXX dollars. He then was getting very snappy with me I told him thats not good customer service. Your supposed to talk with the customer and try to help them. I told him you are threatening me trying to scare me. He then talked over me said he wasnt threatening me. I then asked if there was a number i could call back when i did get the money to make arrangements he said there wasnt it had to be done today. I said i couldnt do it today. He then got snappy again I asked him the name of the company to see if it was some form of fraud because he didnt sound legit he kept asking for a credit card he said they were called XXXX in XXXX GA. XXXX is the number the lady left me. I then said he was being rude and snappy with me and I asked to speak to a supervisor, he said please hold very smug and put me on hold i waited five minutes then they got back on and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

They mishandled my information, which puts me and 209,000 other people at risk. I am also listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Checking or savings account

Capital One was suppose to provide me documents showing how they came to a resolution for claim XXXX for {$250.00}. The document I receieved was a screenshot of a phone that showed a XXXX XXXX  account ending in XXXX. Connected to my Current Banking for a transfer of {$1.00}. Ive never had a XXXXXXXX XXXX account in my life, nor does the document show anything about {$250.00} or Capital One. Capital One has over {$400.00} transactions all purchased in the negative! But denied two {$1.00} transactions for insufficient funds. They have provided me provisional credit and also found one claim ending in XXXX for {$70.00} to be valid but have my account restricted. They send me an email on XX/XX/year> to call to verify the account info to have restriction lifted. I call and they say they cant lift restriction or give me access to my funds till all inveatigations are completed. This is a violation of Reg E and I want access to my account and my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been information reported by XXXX XXXX XXXX in the file you are maintaining under my social security number. Upon ordering an online copy of my credit report, I see an entry from this company listing two different amounts XXXX XX/XX/XXXX, original balance XXXX and collection balance by your company XXXX. Then another account XXXX originally balanced XXXX collection balance amount XXXX. The status amount is XX/XX/XXXX. This account shows I still owe this company XXXX XXXX XXXX. Please validate this information with XXXX XXXX XXXX and provide me with copies of documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note this violates FCRA and FTC ( 15USC 41, et seq ) This is my final documentation as I have sent documentation to Experian with certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My action is to pursue your agency for a {$5000.00} lawsuit in XXXX XXXX XXXX for Defamation, Negligent Enablement of Identity Fraud, and Violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I have done XXXX round of letters by certified mail to each credit beauru, letting them know that my accounts are incorrect and it is damaging my credit. They said that they verified the information and it is correct which is 100 % false. So now I am hoping yall can escalate this further. I started this process last year and mailed the second round 30 days later. The total of the accounts that I disputed is about XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter requesting a full investigation and removal of XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX GA XXXX to Equifax. Because my sister and I do not owe XXXX XXXX XXXX or XXXX XXXX XXXX any money for rent or damages as they have claimed. We dont owe them {$5000.00}. It is not a judgment in the favor of any companies listed above. We dont have an eviction or monetary judgement from or for XXXX XXXX XXXX or XXXX XXXX XXXX XXXX Equifax has had over 45 days to fix and to remove the false information for our credit report, but have fail to do so. On the Equifax has falsified information such as saying that we owe {$5000.00}, missing information about last payment date, Date of First Delinquency XXXX XXXX, XXXX. We have judgements in our favor against XXXX XXXX XXXX which shows that we was not evicted and do not owe them anything. I believe that Equifax have violated my rights under Fair Credit Reporting Act such as 15 USC 1681b, 15 USC 1681c, 15 USC 1681d, 15 USC 1681e, 15 USC 1681g, 15 USC 1681h,15USC 1681i and much more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has all of my credit and personal information and has allowed itself to be hacked exposing my family and me to possible fraud.
Product: Debt collection

I have contacted this companies regarding the debt that was for validation of debt. 

Bullcityfinancial I contacted this company on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 by mail via XXXX XXXX and XXXX. This company failed to validate my requests. The company have deleted the debt from XXXX but failed to delete the debt from XXXX  and XXXX I have threatened to pursue legal actions at this point.
Product: Credit reporting or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it. Dispute letters were sent out.
Product: Bank account or service

I recently moved to a new city, and opened an online bank account with Ally Bank. The account application and setup process went smoothly, and after completing the application, i received email notification that my " Ally bank account is open ''. I then began transferring money and depositing checks into the Ally bank account. As soon as I deposited my last check, and essentially put every dollar I have into this new " open '' account, I was locked out of the account, with no warning, no explanation, and without even being able to access any of the account details, such as the account number, or any other relevant information. I was directed to call a fraud hotline, which is not a 24 hour line, and I spent the next two days frantically trying to reach someone from Ally who could help, while three different support staff members ignored my pleas for help and redirected my questions to people who were unavailable. Finally a member of the fraud team explained that I needed to provide proof of address and told me I could send a phone bill. I understand the need to verify my address, but I do not understand why I was not warned BEFORE i deposited my funds, that this would be necessary. I have essentially locked myself out of all the money I have, I am in a new city, and have no way to undo anything because I ca n't access the account at all, the checks are deposited and the transfer is made. How is it possible for me to deposit funds into an unverified account, without being made aware that these monies will be unavailable for up to a month, until I receive a utility in my name at the new address? How could there not have been a warning alerting me to the possibility that any money i put into the account would be locked and unavailable indefinitely? 
At this point I am afraid I will never see the money again and I want nothing more than the close the account and start a new account with a different bank. But before I do so, I want to know that Ally is not still accepting funds into unguaranteed accounts.
Product: Money transfer, virtual currency, or money service

Dear Concerned, I initiated an International Wire Transfer on XXXX in the amount of {$10000.00} with Citizens Bank in XXXX, NY located at XXXX XXXX XXXX, XXXX XXXX NY XXXX to transfer to my biological brother in XXXX XXXX As provided information from the banker named XXXX, money was supposed to be available to the beneficiary recipient within 2 to 3 business days. It has been more than 3 weeks and there is trace of that money with any bank. I have tried numerous times to contact Citizens Bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but been disappointed as I could not get any information about that wire transfer. During this period of time I did not get a single satisfactory response from both of the banks involved despite multiple attempts. I paid {$80.00} tranfer fee in addition to the actual transferred amount of {$10000.00}. 

Thanks
Product: Bank account or service

Expenses for Reimbursement : Condo Inspection - {$350.00} Copies from XXXX - {$4.00} Attorney Fees - {$880.00} Condo Questionnaire - {$140.00} Mortgage Application Fee - $ XXXX - XXXXWe expect the Bank of America to honor and accept the mistakes and shortcomings that occurred by their employees.The purchase of our condo fell thru XXXX days before the closing of XX/XX/XXXX.We ca n't express enough the disappointment of the loss of this purchase and expense and lack of trust and communication of Bank of America to do their jobs properly. On Monday, XX/XX/XXXX, our Attorney called us to let us know that the deal had fell through due to the neglect of Bank of America Mortgage Loan Officers doing their job in a timely fashion. The mortgage was approved. All papers were submitted to Bank of America by us for the approval. We were trying to reach the Bank of America Mortgage Officer & his Manager XXXX XXXX for days and only received a call XXXX days after I had submitted a complaint with the XXXX telling me that they would not refund all of our money even though it was their fault. What a disgrace. They always called us to call each of them as their way to communicate. It was bizarre. It was like they never even spoke to each other. The Mortgage Officer would not take care of the Condo questionnaire. We had to have our realtor pay for it up front. He would never answer her calls or emails. Then XXXX week after the questionnaire was completed, another Bank of America employee called because she wanted to take care of the questionnaire and wanted our credit card number. The Loan Officer had called us for our credit card number to pay for the mortgage fee application and said he was charging the card {$440.00}. He charged our card {$660.00}. Who does this? Is this how Bank of America does business? Our Attorney called us once a week complaining that both Bank of America Officers would not respond to their calls and emails. They put all of us from the very start in a very bad position with this whole process. The burden of their jobs was pushed on us XXXX a week. It was like every day was their first day on the job! My husband and I are just XXXX over this and their neglect. Please help us. 
Time Line : Bid with Realtor - XX/XX/XXXX Inspection on Property - XX/XX/XXXX Mortgage Approval with Bank of America, - XX/XX/XXXX Condo Questionnaire Sent to BofA Mort Loan Officer to Complete - XX/XX/XXXX Condo Questionnaire Completed by Realtor - XX/XX/XXXX We were notified that Deal Fell Through - XX/XX/XXXXthe closing was set for XX/XX/XXXX ... ... We just want our expense back for their shortcoming ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint more than 60 days ago, I still haven't heard anything about the investigation. Items need to be deleted, immediately.
Product: Debt collection

Midland Credit Management was served a Notice of Claim and Dispute Affidavit. Accompanying the affidavit was an exhibit regarding their companys violation of my consumer rights and an invoice for those violations, dated XX/XX/XXXX. To present, Midland Credit Management has not rebutted the affidavit nor have Midland Credit Management sought to grant the remedy owed to me, but have acknowledged after harassing me for months and negatively harming my credit score, that in conclusion of their investigation in response to my affidavit, they were removing the account from my credit report. Please see attachments. Enclosed is my good faith with clean hands attempt to resolve this with Midland Credit Management prior to seeking default judgement, pursuant to XXXX XXXX. The attachments include : Tracking information with signature return receipt, Private Notice of Claim and Dispute dated XX/XX/XXXX, Exhibits of Midland Credit Management violating 15 U.S.C 1692, Invoice dated XX/XX/XXXX for 15 U.S.C 1692 violations, and Notice of Settlement Offer dated XX/XX/XXXX.
Product: Debt collection

FDCPA Violation. 
The company has sent me a threatening letter claiming they have a Judgement on a case which is currently pending. They have included the Court File Number ( XXXX ) to make it seem more convincing. They are attempting to collect {$1900.00}, which is an amount more than what they initially allege was owed. 

Within the letter is a Financial Disclosure Form which I have already responded to in the negative in my response to them in discovery. 

The Actors in this violation of FDCPA are : XXXX XXXX, General Manager ( who may not be a real person ), XXXX XXXX XXXX XXXX XXXX. 

And California Attorneys for Plaintiff : XXXX XXXX XXXX SB # XXXX XXXX XXXX XXXX SB # XXXX XXXX XXXX SB # XXXX XXXX XXXX XXXX  XXXX SB # XXXX ( Attorney on filing ) XXXX XXXX XXXX XXXX SB # XXXX Address : XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX