23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2018 I tried to make deposit at Citibank ATM at XXXX XXXX XXXX, NY, XXXX. 
Unfortunately I got error message and ATM caught my two checks ( one on {$1200.00}, second on {$1000.00} ) without any deposit on my account. Same day i called customer service and asked about investigation and provisional credit. Two weeks later I got {$2200.00} deposit ( provisional credit ) from Citibank. After two months constant calling to customer service and asking what is status of investigation they told me they can not find second check ( on {$1000.00} ) and they will close the case. I requested to reopen the case and investigate it once again. Three weeks later i received letter they didn't find a check on {$940.00}?????!!. I have no clue from where they got this amount but it wasn't from me, neither from real checks. I called once again a Citibank customer service asked what happened with investigators and investigation, why they are looking for check which doesn't exists. More over I was telling them from beginning how many checks and what is amount of the checks. There was no apology or any intention to resolve a problem. Citibank feels like king. They don't care about customers at all. 
Thank you,
Product: Debt collection

Repeated calls from the below phone numbers before XXXX..some as early as XXXX. Commenity bank XXXX XX/XX/19 - XXXX XX/XX/19 _ XXXX XXXX XX/XX/19 - XXXX I'm sure there were many more times but my phone only holds so much information.. please advise the next step as this continued harrassment and waking up my young daughter when they call is unacceptable. 

Thank you
Product: Credit card

Comenity Bank recently took over Dell accounts in XXXX. They have been a nightmare. It took forever to transition the account and people who were set up on autopay had to redo everything. I took them forever to send my new account information. I recently set up autopay to avoid missing a payment and they STILL didn't process the payment, instead they provided a statement saying it COULD take 1-2 Billing cycles. A major inconvenience. I've spoken with many rude agents who only know their mission is to collect. The last agent/supervisor I spoke with was XXXX, but should be shady. I explained to her after numerous calls from their autodialing that I normally have the funds taken out automatically and I thought this was fixed. Instead, she said no and refused to reverse the late fee because it was done before. The late fee from before and now are all due this merge and take over and I shouldn't be penalized for that. I am asking for the late fee to be removed and to insure my account is set up on autopay since I made the request in XXXX!
Product: Debt collection

I was informed that this collection 's original creditor was XXXX XXXX XXXX. I do not have an XXXX XXXX XXXX account nor have I ever. XXXX XXXX XXXX  bought out XXXX XXXX XXXX XXXX and I had to file a compalint with the FCC, case XXXX XXXXXXXX. I have requested that the collector provide documentation to support, but have yet to obtain anything. This collection would be far past the legal statute of limitations and it is being reported on my credit report illegally.
Product: Debt collection

Tried to dispute through credit bureaus and collection agency, illegally said debt was verified. Originally removed from  XXXX  credit report on  XX/XX/2017    then added back on  XX/XX/2017   . This action was a violation via FDCPA and FCRA for not giving me a  5 bu siness day notice that it will be reinserted on my credit report. This action damaged my reputation and credit score/report. Collection agency has failed to provide me with original documentation from original creditor with my wet ink signature. Copies of copies does not validate proof of debt owed. Original documents without my wet ink signature does not validate proof of debt owed.
Product: Credit card or prepaid card

I have XXXX credit cards with Comenity bank : XXXXXXXX XXXX and Victorias Secret. I have been trying since XX/XX/XXXX to make a payment on one of those credit cards on the website ahead of a payment due today, the XXXX. I found that last week, the site was down for ALL of my credit cards with that company. I was unable to login, access my account, statements, make payments, etc. I noticed on XXXX and XXXX that they were addressing peoples concerns with this outage by telling them to call a specific phone number on the back of their card or to use the same day payment option on their website. I tried both of those options on Thursday and I was unable to reach anyone on that phone line, and the same day payment option was not available and was not working that day either. So the direction of the company was giving everyone was not correct. They kept giving canned responses to everyone who was concerned about it and told them that the outage would last until the beginning of next week, which is todays date. I attempted to use XXXX on several occasions to reach out to them about the issues that I was having and I got a canned response to use the phone number on the back of the card To make the payment. When I did that, the automated message on the phone said that no agents were able to assist with anything related to accounts and eventually it disconnected the line. I was unable to speak with anyone on the phone at all. I tried to log into my accounts again and one of them logged in but it had a massive error message on it and it also said that my account was closed ( which is not possible, I hadnt received any communication about this ). I reached out again on XXXX, along with quite a few other people, and we were still given the same response to simply wait and sorry for the outage, and that it will be fixed eventually, and to try calling But every time I try to call, there isnt a human available to help me try to make a payment. My payment due today has a possibility of incurring a late fee if I dont pay it today but I have literally no way to pay it. I dont want any late fees or negative credit reporting and I simply just want to have access to my accounts again. Reaching out to the company on social media seems to be the only way to get any kind of response in general but its all the same and its not helpful and its not resolving anything. Its predatory that theyve had their website out for almost a week if not longer and that no one is able to make any kind of payments on these cards.
Product: Credit reporting or other personal consumer reports

I have noticed theres some unauthorized inquiries on my report, and jobs and addresses I never stayed in. Global Lending Services LLC XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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, Address that I never lived, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I was sent the wrong items. The sweatshirts are not even the same size I ordered or close to the description. I just looked on their website and it looks like I was scammed through a phishing sponsored post on XXXX as there is no such product ( s ) even resembling what I ordered or what I received currently on their website. I would like a full refund. Paypal refused my refund, and now I have a product I did not order and our money. Paypal has acted fraudulently.
Product: Checking or savings account

Complaint is about Pacific Premier Trust ( " Pacific Premier '' XXXX, a division of Pacific Premier Bank, which is failing to credit deposits of funds to my account and provide other services for which I am paying fees. 

I have maintained an IRA account with XXXX XXXX XXXX since about XXXX. Pacific Premier recently acquired XXXX and took over the IRA account. MY IRA account holds two rental properties. One tenant submits rent monthly by means of a paper check. XXXX  ( the XXXX XXXX XXXX XXXX pays rent on a second property monthly by ACH. I pay Pacific Premier substantial account maintenance and other fees on the IRA which collects rent and pays expenses as directed. 

On XX/XX/XXXX Pacific Premier rolled out a " new enhanced system and on line portal. '' On or about XX/XX/XXXX XXXX made an ACH deposit of rent directly to Pacific Premier following the deposit instructions provided by Pacific Premier in it's glossy brochure entitled " Looking Closer Your Guide to XXXX XXXX XXXX at Pacific Premier Trust '' ( " Guide '' ) provided to account holders. On XX/XX/XXXX we mailed a tenant rent check to Pacific Premier 's mail processing center in XXXX, Mass. as provided in the Guide.

Initially Pacific Premier failed to post both the ACH transaction and the paper check to my account. I tried to rectify this problem with telephone conversations to Pacific Premier on XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX, opened ticket # XXXX ), XX/XX/XXXX ( XXXX XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX, XX/XX/XXXX ( XXXX and XXXX XXXX. I repeatedly was told a supervisor would contact me, but no one called. More calls XX/XX/XXXX with XXXX and XXXX. Finally I received a call on XX/XX/XXXX from XXXX XXXX, a supervisor. 

On or about XX/XX/XXXX XXXX initiated their monthly ACH rent transaction. 

The good news. Pacific Premier has found and credited to my account the XXXX  ACH deposit of XX/XX/XXXX. 

The bad news. Pacific Premier has lost the paper rent check sent to them on XX/XX/XXXX and has not posted to my account the XXXX  ACH deposit of XX/XX/XXXX. 

Pacific Premier has requested that our tenant take the time to initiate a stop payment order with the financial institution that issued the XXXX rent check and issue a new replacement check.

Pacific Premier continues to charge for services they do not provide, including : a. transaction records for the period prior to XX/XX/XXXX are not available at the on line portal and promised prior quarter statements have also not been downloaded ; b. for the benefit of both the IRS and the IRA beneficiary, Pacific Premier is responsible for maintaining records which distinguish pre-tax and post-tax IRA contributions and apparently those records no longer exist ; c. Pacific Premier now improperly lists the cost basis of real estate assets as XXXX, even though each property obviously had a purchase price ; and d. Pacific Premier no longer provides email confirmation of account transactions even though such is listed as a benefit of holding the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for XXXX  and Transunion I have filed several times with no resolve.I have a car loan which I was late in XXXX up to XXXX of XXXX it stated on my credit report that this item would be listed in good standings in XXXX of XXXX the only one that did was XXXX. There was also a collection for capital XXXX purchased by a debt collector that I paid it was removed but now transunion says I have another for the same amount but through XXXX  XXXX and not a debt collector I informed them it wasn't mine but again with no resolve. I have paid everything I could that was in collections and it finally brought my score up with XXXX from a XXXX to XXXX but XXXX  and transunion are still sitting at XXXX and XXXX and I paid collections in all XXXX I'm trying to purchase a new home through va because my husband passed XX/XX/XXXX and he was a 100 % due to injuries from XXXX so I am qualified but I have no cooperation from XXXX  and transunion. I would appreciate anything you can do for me. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with 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 in my file are listed on my credit report : Experian : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/2021, I made a payment to a XXXX XXXX account that was XXXX less the amount due as they did not provide an accurate snapshot of my past due balance. They denied my claim. Furthermore, on XX/XX/2021 I went into a payment agreement which shut off the account however made the payments much more affordable. I have made those payments on time, yet they are still reporting my account as past due for the XXXX and XXXX which has significantly reduced my credit score. I have called and been put on hold and have not gotten any help. I would like this to be investigated as I believe I am getting taken advantage of.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XXXX XXXX, XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX.
Product: Checking or savings account

My wife has a contract for card processing services as merchant service from Bank of America. 

My wife signed up the merchant service and lease the equipment on XX/XX/XXXX. When she signed up the contract, the BoA consultant said we need to pay the 1 % card fee and the equipment lease fee ( {$35.00} ) per month. My wife confirmed it several times and every time his answer was 1 % card fee and the equipment lease fee. 

When we got the first bill, it was a higher than we expected. So, she called him and complained. He said " It is a first bill. So, there are some other fee such as installation fee and etc. Next bills, you only see and pay the 1 % card fee and the equipment lease fee. '' We believe so, we paid the first bill. When we got the second bill, it was also too higher than we expected. She called him and complained. At these time, his word was same. So, she asked if your word is right, why the bill is too much higher than I used. Then he said " I will check and call you back. '' After day, he said " There are interchange fee which is from Visa, Master, discover and XXXX. Also There are PCI fee, Visa Auth fee, XXXX Auth fee, Batch fee and etc. You have to pay all. If you want to cancel your lease and return it ; it will cost {$790.00} because you have 3 years contract. '' She complied " I asked several times before making this contract about fees. You every time said I only need to pay 1 % card fee and equipment lease fee. I asked over 20 times and you answer was same all the time. Right now, you are saying there are many fees. I can't accept it. Why don't you tell me all fee. You have to give me all fee 's information. '' Finally, the cancelation fee is fixed, but I thought it is Fraud contract. 

So, I request to refund all my wife paid that related with the merchant service and any fees ( My wife paid around {$300.00} until now for the service. ), and to be reimbursed for my time and my mental shock to correct their Fraud to them. 

I was talked with their Sr. Client Services Analyst, and they insisted my wife signed the contract that the fees are appeared. 

So, I requested to the copy of the contract then they show me the contract paper. 

There are initials and signatures that are not my wife 's. 

These are a fakes and the contract is totally forged by the Bank of America. 

Also, my wife provided the business information and personal information on XX/XX/XXXX, but the documents that they insisted my wife 's signed are on XX/XX/XXXX. 

In addition, before the Sr, Client Services Analyst show me the contract paper, we didn't know the existence of the contract. 

They were used their customer ( me ) 's personal information without my permission. 

Also, they made a fraudulent contract using forged signatures and initials.
Product: Debt collection

I received calls from this merchant stating they have my XXXX  account. They are also calling and texting my family and making smart comments on the phone that were threatening. I have never got anything in the mail from XXXX or email sharing they would work with me. I haven't received any other correspondence with this company and I have been told that a legitimate company should not be calling my family about my debts. I have never been contacted by this company or they haven't left legitimate messages. I have attached their recent correspondence with me as of today and yesterday. I just talked to them yesterday yet they still continue to threaten wage garnishment. I have included the email that contains who the account is with and its not XXXX XXXX like they are stating. 

The company that called me was from a XXXX number and stated only their 1st name of the individual on the phone then I had to ask what company they are with. The company that should have my account is XXXX XXXX XXXX and now DSR Holdings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information Errors in your identity data, such as wrong name, phone number, or address Accounts belonging to another person with the same or similar name to you Incorrect accounts resulting from identity theft Reporting of account status Closed accounts reported as open Youre reported as the owner of the account, when youre just an authorized user Accounts that are incorrectly reported as late or delinquent Incorrect date of last payment, date opened, or date of first delinquency Same debt listed more than once Balance errors Accounts with incorrect current balance Accounts with incorrect credit limit Data management errors Reinsertion of incorrect information after it was corrected Accounts that appear multiple times with different creditors listed
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX, I have several name variations on my credit report that need to be deleted XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX. I was going over my credit report and I noticed that there are several errors. My current and only address XXXX XXXX XXXX, XXXX, OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these XXXX XXXX XXXX XXXX LP # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Product: Student loan

I need the Master Promissory Note from MOHELA FOR ACCOUNT XXXX. I want to apply for Public Service Loan Forgiveness but have been told my loan is not eligible.
Product: Credit reporting or other personal consumer reports

Reference CFPB XXXX XXXXXXXX and Fraud Case XXXX I faxed the required documents on XXXX and when I called again to follow up on the status on XX/XX/12 I was told it was never received. 

Attached is a copy of the confirmation and docs again. Please provide your full fraud report, investigation, and your findings. 

Also XXXX XXXX stated they would email the bank statements to XXXX but it was never received.
Product: Vehicle loan or lease

Wanting to make sure I was not over charged in fees, ect.
Product: Mortgage

Fay Servicing is currently servicing our loan ; however, we do not know if the owner of our loan is legit because they will not provide us with any information. We have sent 3 QWR requests to Fay in which they have NOT responded and will not provide us with the information. We have also tried to ask for a loan modification and assistance which we are more than qualified for but all they do is charge us more money when they or their lawyers do something on our account. We got ripped off by a company named XXXX XXXX XXXX when they took a bunch of our money and promised us that they would get Fay to answer our QWR requests and get us a loan modification but they didn't really do anything for us. We have now submitted more requests to Fay but they still have not responded. This has been a nightmare for us and we can not get Fay Servicing to respond to any requests for information that they are required to provide. They just keep ignoring our requests for information regarding our loan. Fay Servicing has been fined in the past for deceptive practices yet they are still in business.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Information Dear XXXX XXXX XXXX Department, I am writing to dispute the following information in my credit report : 1. ** [ Creditor Name ] Account Number : [ Account Number ] **santander - **Issue : ** [ Describe the inaccuracy ; e.g., " This account is listed as delinquent, but I have never opened an account with this creditor. '' ] - **Supporting Documents : ** [ List any documents you're including ; e.g., " Attached are copies of my bank statements showing no such account. '' ] 2. ** [ Creditor Name ] Account Number : [ Account Number ] ** - **Issue : ** [ Describe the inaccuracy ; e.g., " This account shows a late payment in XX/XX/year>, but payments were made on time. '' ] - **Supporting Documents : ** [ List any documents you're including ; e.g., " Included is a payment confirmation for XX/XX/year>. '' ] These inaccuracies are affecting my creditworthiness, and I request that they be investigated and corrected promptly. Please remove or correct the disputed items and provide an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX XXXX