23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/22 I filed my first XXXX  application under XXXX  which was the loan servicer I had selected after being informed I was required to consolidate all of my loans in order to qualify for the XXXX. XXXX of these loans is currently in a borrower defense application that is also being ignored and according to the the XXXX XXXX XXXX falls under the XXXX XXXX dispute and should have been absolved, but has yet to have been taken care of. I was instructed by studentaid.gov that the loan even after consolidation can still be seen and resolved so I followed their instructions. XXXX sold my loan to Mohela and they removed my initial application for XXXX. I filed again on XX/XX/22 they cancelled it with no reasoning and long customer service waits and multiple emails with no responses I finally was told it was missing employment certification, which it is not. I was then told to send employment verification again separately just in case and was walked through how to do that. They deleted that document. I refiled again XX/XX/22 They marked that as duplicate and once again I was told to submit employment verification which is showing as still processing as of XX/XX/22. I have called XXXX  times and emailed and been given multiple different responses along the lines of not received, still processing, and we don't accept that method of verification. Yet nothing has moved forward. I did receive a letter at one point that appears to have processed the application but does not list ANY of my payment history there are XXXX  years of payment history missing.
Product: Money transfer, virtual currency, or money service

I did an international wire transfer on XX/XX/2024, at Wells Fargo Bank in XXXX Maryland, for the amount of {$7000.00} to a residential building company called XXXX XXXX XXXX ( XXXX ) in XXXX. I have previously done similar wire transfers through Wells Fargo to this company because XXXX is building my house in XXXX, XXXX. 
The banker at Wells Fargo, named XXXX XXXX XXXX, entered part of the beneficiary 's account number. She did not include the second portion of the account number, which is the beneficiary 's local account number. As a result, the beneficiary 's bank, XXXX in XXXX, could not credit the beneficiary 's account. The money was, therefore, not delivered. I requested a correction on the wire transfer, but XXXX XXXX said it could not be done. So, I requested a reversal of the transfer. 
XXXX in XXXX has submitted proof that {$6900.00} has been reversed to Wells Fargo, but Wells Fargo has given me the runaround. Wells Fargo is refusing to refund the money to me. I have visited Wells Fargo Bank in XXXX every week for XXXX and a half months. I need your help. Thank you.
Product: Credit reporting or other personal consumer reports

Upon purchasing furniture with Raymour and Flanigan, I was told and provided paper work that clearly stated the purchase ( made on XX/XX/XXXX ) was no pay, no interest for one year. They sold the account to TD Bank and it was reported as a charge off I believe in XXXX of XXXX. I did not get an alert until I attempted to get a XXXX XXXX loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. XXXX  responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.
Product: Credit card

I was pre-approved for a Home Depot consumer credit card in the amount of {$2000.00}. I was told to call Citibank for more information. I called them at XXXX. Was told yes I have been approved. 

Fast forward to today, XX/XX/24, enter Home Depot and they can not find my information. After waiting on hold, I was told I was approved for {$1000.00}. 

I looked up the phone number and its a known scam.
Product: Checking or savings account

I opened a savings account with XXXX XXXX XXXX on XX/XX/year> and I got an email stating that my account was opened successfully. I wanted to open a separate savings account apart from my XXXX XXXX account. I entered my routing and account number so that I could transfer {$XXXX} into the savings account. Well once I entered my account and routing number they said the transaction failed and would not let me even log into my account for online banking. Then this morning I noticed that XXXX XXXX had notified me that XXXX XXXX XXXX  had withdrawn {$XXXX} from my account - XXXX days later ( XX/XX/year> ) and then when I tried logging into my XXXX XXXX XXXX  account they said it was closed. This is extremely deceptive and fraudulent behavior on their part for waiting to take out the {$XXXX} from my XXXX XXXX checking account - which by the way went into XXXX for this bank taking out the money. Not only is my account closed but it also is saying that they can not locate an account with my username and password when I try to login online - and then when i try to log in on my phone it says " As a part of XXXX XXXX XXXX 's proactive monitoring, we have observed a potential risk related to your account. For your protection, we have locked your access as a precaution and require you to reset your password. XXXX XXXX. They took the {$XXXX} out of my account and are not even giving me a way to reset my password. Also I have no idea what " potential risk '' they could of found since I apparently just opened the account on XX/XX/year> - was not even able to log on and they still took my {$XXXX} and not only locked me out of my account but apparently when I try to log on to my account on my computer it says " the information you have entered does not match our records. you have a few more tries remaining. please try again or click " forgot XXXX. '' and then when i click on forgot ID/password it says " based on the information you have provided, our records show you are not enrolled ''. SO not only did they take {$XXXX} out of my account XXXX days later, lock me out of my account, but they are also apparently lying thieves that state I am not enrolled in their bank. Please help me get my money back and thoroughly investigate the practices of this bank - I have NEVER had any issues with other banks that are remotely this concerning.
Product: Mortgage

I had an original mortgage with northwest XXXX bank. I did not escrow. 

Northwest bank sold my mortgage to XXXX with a first payment due to XXXX XX/XX/XXXX. 

On XX/XX/XXXX XXXX charged my mortgage account for an entry to escrow of {$1100.00} to pay for homeowners insurance. 

At no point in time has my homeowners insurance changed or been delinquent either with northwest, during the sale of the mortgage, or with XXXX. 

On XX/XX/XXXX I received a second notice letter from XXXX stating that I was responsible to immediately provide XXXX with homeowner insurance information including me being required to have my new loan number and property address on a renewal policy of reinstatement and mail to XXXX with a loss payee clause. 

Also within this notice it provided an online option to execute this action. I logged into the website as well as the co-borrower and it required us to input our complete social security number at which time neither of us did as that did not appear to be prudent. 

On XX/XX/XXXX when I was looking to see if my XXXX payment was credited to my account. I noticed the charge to escrow of {$1100.00} as mentioned above. 

On XX/XX/XXXX the co-borrower collected up our insurance information and presented to XXXX. They accepted the documents and indicated the charge would be reversed within a weeks time. 

I have an issue with the fact that : 1-if the bank sold my mortgage, then would they not be responsible to notify my insurance agent as well as instruct them as to whom the new bank is so the new account information is with the insurance company as well as the insurance policy having the new borrower XXXX listed as ISAOA? 

2- had I not noticed this escrow charge in my account transactions, the bank would have had this money, charged my account all while I was also paying my private insurance company. 

3-why is it the customers responsibility To update this documentation? 

4-what if this was flood insurance, would the bank selling or transferring the loan not be required to inform the insurance agent the change in owner of the loan I.e., the new bank? 

This whole thing was unfair and cause undo harm and stress to both myself and the co-borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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

Same phone number from Keybridge calls XXXX  days/wk. often hangs up partway through call and when voicemails are left refers to a name that isnt mine. Occurs cyclically, have been receiving calls in some form or another since late XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment with the unresolved issues regarding the late opening of accounts and the presence of late closures and charge-offs on my records, despite multiple attempts to rectify them. 

The late opening of accounts has not only inconvenienced me but has also affected my financial standing and opportunities. Furthermore, the presence of late closures and charge-offs inaccurately reflects on my creditworthiness and financial responsibility, potentially impacting my ability to access essential services and opportunities in the future. 

I expect a prompt response to this complaint, acknowledging receipt and providing a clear timeline for resolution. Additionally, I request regular updates on the progress until the matter is fully resolved. With this, I am asking for your assistance to remove or correct these accounts in my credit file : 1. XXXX XXXX XXXX Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be corrected.

2. XXXX XXXX Balance Owed : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report.

3. XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately.

4. XXXX XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.

5. XXXX XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now.

6. XXXX XXXX XXXX Balance Owed : {$710.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.

7. XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.

8. XXXX XXXX XXXX Balance Owed : {$79.00} The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

9. XXXX XXXX Balance Owed : {$0.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
Product: Checking or savings account

I am writing to file a complaint again Navy Federal Credit Union regarding multiple overdraft fees have incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB find against Navy Federal Credit Union for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit card or prepaid card

Capital one closed my secured credit card account with a credit line of {$2800.00} in error on XX/XX/XXXX. I spoke to an agent named XXXX on XX/XX/XXXX, and at that time she was very vague about the situation. She kept me on hold for over 30 mins. When she finally returned to let me know why the account was restricted at that time, she was very vague. She said that I needed to call back the next morning, and speak with another department regarding this issue. I asked her what department should I speak with the next day, and she advised that she was not able to give me that information and to just callback. When I called the following morning, I spoke with a supervisor named XXXX. XXXX advised that my secured credit card account was closed along with several other secured credit card accounts due a system error. She advised that my card would be unrestricted within 5-7 days while they research this system glitch, and I would receive a call and a mailed letter regarding this issue within a couple of days. I called 5 days letter and spoke with another supervisor named XXXX. I advised her that I received an alert about my credit report, stating the account was closed, and my scored was impacted. She apologized for this issue. She said she didnt have a resolution date at this time. She said that they are trying to find out why the system did this to my secured credit card, so that they can either unrestrict the old card, open a new card, and send the security deposit of {$2500.00} that I paid when I opened this secured card in XX/XX/2014. She said they wont be sending back the deposit, or unrestrict the card until they research more. I advised that I had a XXXX balance, and I was planning on using that card for back to school shopping, and to pay some bills. She said they'll see about expediting this matter. It is XX/XX/XXXX, and I still havent received a letter or phone call from Capital one regarding this matter. My card is still restricted. Also, I want to mention that when I opened the account in XX/XX/2014, I was told that it was secured for 12 months of good payments and it would be switched to unsecured and I'd receive my {$2500.00} deposit back. I was never late, it's been open for 4 years, and never received deposit back.
Product: Debt collection

I signed a cell phone plan with XXXX lines and the values that were in the agreement were not those in the contract. I called several times. I went to the store several times and nothing. I can not afford to pay for an amount in which I was extremely ignored, disrespected, and mistreated by the attendant. all the time I wanted to pay the right amount and the company didn't even try to change the amount by saying pay and then we changed it. act # : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My phone and wallet were stolen from my purse at a work event on XX/XX/2023. I received an email this morning about a credit card applied for through XXXX XXXX which I did not apply for. The hard inquiry was placed on my credit report, and I did not apply for this line of credit. I am hoping to get this disputed as I am currently work laptop until I am able to get a replacement phone.
Product: Student loan

Enrolled the income repayment plan and Navient told me my payments apply to the interest only. I had a bankruptcy in XXXX because of undue financial hardship, Navient placed forbearance 5 times, I have used up all my forbearance for the 18 years having this loan, which applied over 40,000.00 in interest and fees over this time. Navient took over my loans in XXXX from Sallie Mae. Sallie Mae had my loans since XXXX. They also placed me in forbearance holds and payments applied to interest alone, never principle, accumulating over {$20000.00} in interest alone from XXXX to XXXX. My loan to date is a total of {$230000.00} between my federal loans. This does not include {$30000.00} of private loans with 1 co-signers on two of my private loans, which are also in income based repayment status. I have never defaulted on my loans I believe my loans should have been included in my bankruptcy that happened in XXXX and again when I was part of the public service forgiveness program. This never happened, nothing happened to help decrease this loan because I couldn't afford the outrageous monthly payments they offered me. Instead, I paid towards interest and accrued more interest with forbearance, which has made my original {$120000.00} loan, now a {$230000.00} loan. I am seeking justice against this fraudulent issue and misleading information against Navient and the Universites that placed me in this unfair position with a never getting out of this cycle of student loan debt. In top of all this, I had reached my financial aid limit when attending XXXX Universitys Online XXXX program and could not afford to complete my XXXX after, 2 classes shy of my XXXX   after attending that University from XXXX to XXXX. I didn't retain my XXXX. XXXX University only provided me my transcript after my bankruptcy in XXXX. They held any proof from me attending this school, which I had paid {$100000.00} to complete their online courses with signing financial aid forms and fraudulently requiring to do this in order to obtain my XXXX. The end result is I have no XXXX   and I am swimming in financial aid debt for the rest of my life. I am currently a XXXX XXXXXXXX with an XXXXXXXX XXXX XXXX in XXXX, Texas and homeless.
Product: Credit reporting or other personal consumer reports

I am writing in response to the incompetent handling of my dispute submitted on XX/XX/XXXXXXXX XXXX XXXX Let me be very clear : I did not request an identity theft block or alert on my report. As explicitly stated in my original dispute ( attached for your reference ), I demanded the removal and deletion of all the accounts in question. Early Warning has failed to follow my instructions, which is unacceptable. I have had a trust fund since birth and have never needed a bank account. These accounts are not mine, and I have never opened any of them. I am victim of identity theft and i do not open these accounts. I have spoken to each bank involved, and they directed me to dispute the information through Early Warning. Once again, I am not asking for an alert or block on my report. I am demanding the complete deletion of these accounts. This mishandling of my case needs to be corrected without further 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy in 2018 and my student loans were supposed to be discharged in it as well. I was making XXXX a year and my student loan debt was XXXX, and I was a single mother of XXXX daughters as well, so I landed in a category that allowed them to be in my bankruptcy. Six years later my student loans have not only been raised three times the amount originally owed but never discharged as well. Now XXXX states that they sold my loan to XXXX, and I show now on my credit that my student loan debt is XXXX. You get nowhere with XXXX or XXXX they just pass you back and forth and continue to do forbearance 's while they investigate. My credit is significantly affected by this because the debt ratio is so high, because of the XXXX. I want my student loans to show as they should as paid off. I've also been told that my student loan debt should have been discharged under the Biden Administration but still that doesn't reflect either.
Product: Debt collection

Today, XXXX XXXX XXXX left me a voicemail stating " I received an order in my office today to complete and process several pending matters. You are currently being investigated for. I will be verifying your current address and employer. '' I called them back to find out what it was for - They called from XXXX, but told me to call them at XXXX. When I called the woman who answered asked me to verify my SSN and date of birth. When I asked what company she worked for she said client resolution services. I asked what what this is in regards to. The woman responded an old debt from XX/XX/2015. She said that the last payment of {$100.00} was paid on XX/XX/2015. I said I thought that the XXXX made my account paid in full and I never used the card again because the interest was so high. I said that I disputed the debt until I received confirmation as to what I owe - if anything. She because aggressive and said that I defrauded the company out of many and said that if I didn't agree to a {$37.00} biweekly payment schedule than she would report me to their client as refusing to pay! I said I'm not refusing to pay, but need to ensure if I really owe anything. She said that I should already have it and asked if I would pay {$37.00} biweekly. I said not until I received a letter of what I owe if anything. She put another woman on the phone and the above conversation happened again. But this time, they said that they are going to sue me! Over {$200.00} really?!? They hung up on me. I called again and asked to speak to a supervisor ; they said one is not available. I asked for the address to the corporate office ; they said they would not provide it to me and hung up. Called again, and they hung up on me. And most of all, they didn't not tell me, " we are a debt collector and any information will be obtained for that purpose.