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

On XX/XX/XXXX I received an email from Capital One saying my checking account was under review. I logged in and found that my account was restricted and I couldn't access my money. So I called the number that was shown only to be was told that Capital One decided to end their banking relationship with me. Despite that, my account was still open, just restricted so I couldn't accuses my money. They said they needed their team to finish the investigation. It's been over a week so I called back to try and get an update, but they have nothing, just telling me to keep waiting despite that fact that I have bills to pay and need the money desperately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts with XXXX XXXX XXXX club and Quantum Collections on numerous occasions and the account is still reporting fraudulently on my personal credit profile. This account does not belong to me as I was a victim of identity theft. The credit bureaus nor the creditor has been able to prove that this debt is mine or is owed to me. This is hindering me from moving forward with other financial obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed a dispute on with Equifax in regards to an inaccurate debt on my credit report by XXXX XXXX. The dispute number is # XXXX. I did this through the Equifax website. ( Picture will be include from their website. ) On XX/XX/XXXX, I emailed Equifax requesting a response, since I never heard from them. ( Letter will be included ) This letter included a statement sighting that the Federal Trade Commission requires a response in 30 days and I will file a complaint if no response is made. Still today XX/XX/2021, I have not received a response from Equifax. This is over 90 days. On their website, under my login, it still states under investigation for dispute # XXXX. 

Today, I called Equifax. I have tried to call in the past, but I either had insane hold times or was disconnected. Today, I had the unfortunate experience of actually talking to a customer service member and her supervisor XXXX for an hour and fifty minutes. I am sorry I did not get the first representative 's name. 

According to both the Equifax representatives, the dispute was solved on XX/XX/2021. I explained to both of them, I never received any response. I did not hear from them by phone, email or mail. Also, their own system still shows under investigation. XXXX said I know we have an issue with our website not updating. I told him, that they have to show me a response within 30 days. XXXX stated he will try to send me an email showing the investigation was completed on XX/XX/XXXX. I explained it does not matter, you did not tell me within 30 days. Equifax still shows under investigation on their website. We finally ended the conversation with XXXX informing me, he is unable to even send me an email now to show investigation results. " I keep getting an error message. '' XXXX  said it may take 72 hours, to resolve this issue and I can see Equifax 's investigation results. Again, I explained to him that the FTC requires a response within 30 days, and Equifax still can't show me this and it's been over 90 days. XXXX would not remove the items off my credit report. XXXX insisted there is nothing he can do. XXXX also said that they have been aware of the website not updating for some time. So even with this information, he would not remove the complaint even though the knows their website is not working. He did not have a reason on why they did not response to my email on XX/XX/2021. 

Any help you can offer to fix this investigation would help. This credit company has single handedly ruined my credit.
Product: Credit card or prepaid card

I made a transfer with American Express serve of {$1700.00} to pay off XXXX  XXXX credit card they said they paid the bill XX/XX/XXXX no XX/XX/XXXX with transaction ID number XXXX XXXX XXXX I let them know XXXX  XXXX did not receive the payment and they said they would look into it XXXX came up they said they did not cash it and they would they were credit my account they never did anything two weeks later I call them up about it they said that XXXX XXXX received the payment I let them know that they did not receive the payment so they disputed it again and then next time in XXXX it came back and told me that stew that's been settled and that they would not refund my money because XXXX  XXXX that already cashed it I called him up two more times which they said they would send me paperwork on how they settled the dispute never got anything the next week call about a total six times I would only get so far with their system and then they would tell me they're going to call their manager phone will always hang up I've been trying for 3 months to get my {$1700.00} back and they will not talk to me again
Product: Student loan

As in my previous complaint, briefly, XXXX XXXX inappropriately removed my loans from repayment program and sent them to full repayment in XX/XX/XXXX. They subsequently debited {$4000.00} from my account without warning. They capitalized {$15000.00} in interest in XX/XX/XXXX and again capitalized {$40000.00} in interest in XX/XX/XXXX. After many complaints from myself and my Congresswoman as well as a formal apology letter from the Department of Education, they finally admitted their wrongdoing however did not reverse their financial mistakes. They always claim they are going to reverse my capitalized interest and that they need 90 days to do this, however, they have been saying this since XX/XX/XXXX and it is now XX/XX/XXXX. In my last complaint, they also provided me with incorrect documentation regarding my Public Service Loan Forgiveness eligibility. Below are my current complaints : 1.  They need to actually reverse my capitalized interest and show me documentation of not only the removal of that interest from my principle but also the removal of any inappropriately compounded interest due to that capitalization. 
2. They need to recalculate my PSLF qualifying payments. Every payment for every loan was a qualifying payment and any payments that currently are marked as ineligible are marked as such due to ERRORS MADE BY XXXX XXXX. I am not to be held responsible for their errors nor will I jeopardize the {$500000.00} of loan forgiveness at stake because of XXXX 's incompetence. They need to account for every one of my loan payments to ensure it is credited toward my PSLF payments. 
3. The XX/XX/XXXX payment did not occur because as I documented in many past correspondences ( and they have acknowledged this and apologized for this ), I was unable to view my loans or set up a payment profile on their website from XX/XX/XXXX to XX/XX/XXXX, during which time I was unable to make a payment due to their errors. They acknowledged they would address this, however in the attached administrative forbearance documents they did not include this date in the administrative forbearance period. As such, that payment is listed as a missed payment ( incorrectly ). 

XXXX MUST be held responsible for these errors. I am at risk of having to pay back an enormous amount of money at the end of my 10 years of XXXX XXXX work due to XXXX numerous and continued errors.
Product: Mortgage

Ditech sold my mortgage loan in XXXX XXXX and my XXXX XXXX payment was due to a separate bank. I made both XXXX XXXX and XXXX XXXX payments with XXXX check ; both payments were made, in full and on-time. Ditech then repurchased the loan, less than 30 days later, XX/XX/XXXX and created a disaster. 

Ditech associated my original loan with the incorrect property address, they began mailing things to an address that does n't exist, they had people other than my husband and I listed as borrowers, they transposed our dates of birth and associated completely incorrect social security numbers to the loan ( SSNs that do not belong to my husband or I - perhaps they belong to the listed borrowers?? ). Ditech also changed the payment amount of our FIXED RATE loan and failed to accurately post the payment made in XXXX XXXX ; due to the incorrectly applied XXXX XXXX payment, every payment since then shows up as a late payment and my account has been past due for 60+ days according to Ditech XXXX 

For XXXX weeks neither of us could even speak to anyone at Ditech because all of the loan information was incorrect so we did not know the information needed to get through the security prompts. I have been getting collections calls constantly and because the loan account numbers, social security numbers, dates of birth, borrower names and property address were all incorrect at the time of the loan transfer, this is an issue that must be corrected at the corporate level ; wherever the original changes were made to the account information. 

Today I learned that since nothing is matching up on the original or the current, repurchased account, the folks at Ditech can not even see my XX/XX/XXXX payments and my original Ditech account and my current, active Ditech account are not linked to one another. This gives me concerns about the validity of the loan that 's assigned to me via Ditech ; I 'm not even certain my husband and I are the appropriate borrowers for that loan. This is especially concerning since the social security numbers, borrower names, home and property addresses and various account numbers did not reconcile at the time of the loan transfer. 

I have requested copies of the promissory notes associated with the original Ditech and the repurchased loan but have not received one reply. I have been referred to XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ) in Ditech 's corporate office for assistance but all she does is refer em to customer service and they can not assist. 

I have been told numerous times that the issues with my account can not be corrected at the customer service level ; they must be corrected at the corporate level. I 've been referred by both customer service managers and collections managers to XXXX XXXX ( XXXXXXXXXXXX ) in the corporate office to resolve ; she has been aware of this for more than 6 weeks and has failed to take any action whatsoever.
Product: Student loan

I had previously submitted a complaint with CFPB. This week Mohela told me to reach out to them via phone because my request was too complex to deal with via email. I called them and explained I am eligible for PSLF due to the 65904 Federal Register published in XX/XX/XXXX ( references : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ). This Register, as of XX/XX/XXXX, makes the 2 administrative forbearances XXXX had forced me to take eligible for qualifying payments, which makes me reach my 120 qualifying payments for forgiveness. 

This issue is this : Mohela ( XXXX, ID XXXX ) tells me that they have no knowledge of this Federal Register and they are unable to access information on it because their " government computers can only access two websites : Mohela 's website and FSA 's website. '' They said there is no one at Mohela who can help me with reference to this Register, which I noted to her is accessible on a government website, govinfo.gov. 

Mohela ( representative XXXX, ID XXXX ) also told me today that I have to wait until XXXX for FSA to review my second reconsideration request. She said they're done reviewing applications for the year and she doesn't know how the applications were selected. She explained, " Maybe it was based on their last names. '' Mohela tells me they can not help me. FSA tells me I have to wait for Mohela to help me. Payments are about to start and I'm trying to figure out if I should find child care and go back to work for 2 months, or if I'm going to be granted forgiveness, as I believe I should be. I should also mention I submitted a reconsideration waiver in XX/XX/XXXX under the waiver. Thank you for your help.
Product: Money transfer, virtual currency, or money service

XXXX XXXX contacted me with his email and talked a part-time job with me. The part-time job is helping him to collect money owed his company in America. He gave me 5 % of the money as omission fee. I accepted it. He told me that XXXX XXXX owed his company {$98000.00} and asked me to contact XXXX. I contacted XXXX and got a check from XXXX. I deposited it on XXXX. I checked my account on XX/XX/XXXX and my account showed the money is available on XX/XX/XXXX. XXXX XXXX emailed me and ask I keep my commission fee and wire transfer {$19000.00} to XXXX XXXX using my bank of america account ( {$22000.00} ). Because I checked my account is available and think it is safe to do it. I wire transfer {$19000.00} to XXXX XXXX on XX/XX/XXXX. However, When I checked my account on XX/XX/XXXX, the deposited check is returned. I just realized I was a victim of a scam and lost {$19000.00}. 
When I found the check is returned, I contacted Bank of America to recall the transfer on XX/XX/XXXX. I got their response on XX/XX/XXXX and said they can not recall it successful.
Product: Debt collection

I was a victim of identity theft. 
I didn't open this account or give anyone else permission to open the account. I have been trying to dispute this account and didn't get anywhere. 
The account was opened fraudulently with different email address and phone number attached to the account, but they will not even give me access to the account and will not tell me any information on what was purchased or how it was used. 
But the card company harmful to my credit report. This is been going on for a long time now, and I don't feel that I should be responsible for the charges to the account I didn't open. Can someone please help me in this process.
Product: Credit reporting

I am a California resident who is presently studying abroad. I was reviewing a copy of my recent credit report and found an account for total of {$60.00} in collections. I called the collections agency as below : XXXX, XXXX XXXX XXXX, CA-XXXX ( XXXX ) XXXX They are listed as reporting this debt to all three credit bureaus. It appears on my XXXX, Equifax, and XXXX reports. The collections agency said they are unable to mail or fax me any documentation because I am studying abroad now. They also refused to email me documentation because of " privacy concerns. '' I am unaware of what this XXXX dollar charge is, have never been contacted about it, and I am unable to obtain any documentation about it. 

Additionally I am unable to submit a my dispute of the information directly to the credit reporting bureaus. I was getting a security message error when trying to file a correction through the websites. Perhaps because I am abroad? Because I am out of the country presently and unable to find telephone, fax number, or email contacts for submitting concerns to the credit reporting agencies, there seems to be no way to contact the credit bureaus about this concern or obtain documentation about what this is. 

I greatly appreciate your help in resolving this. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, MECHANICS BANK add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

I tried to active a way2go card from Nj that i recevied in the mail for my son on the app but everytime i try to activate the card it will not let me at all it says " Authentication is locked and cardolder can not perform this operation. '' and i cant do nothing about it at all i didnt even do anything wrong it just locked the option from me and i cant spend nor use the card it wont let me do anything but it tells me my balance which is XXXX $ i dont know why i cant activate it.
Product: Credit card

Back in 2022 I got behind on my bill for commenity Bank for Victoria secret card. I call to make payment arrangements and tried to use my payment protection insurance I paid for. I was told by the gentleman on the phone I could not make XXXX dollar payments and they would not let me use my insurance to pay the account. They closed my card and sent me to collection for almost twice the amount and I could not pay payments at all even by calling. And before I got behind I was paying payment on the on the victoria secret app but they block access to your account if you are a day late and make you call and pay a fee to make a payment every time. I was sent to multiple collections agencies with out notice of bill transfer and the given a garnishment package without a court date to defend myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes for fraudulent hard inquiries and fraudulent accounts. 

XXXX accounts - XXXX  {$16000.00} XXXX XXXX XXXX {$7400.00} Transunion hard inquiries - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I believe that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Some accounts listed have incorrect reporting, amounts, and dates.
Product: Credit card

I filed an complaint with US Bank on XX/XX/2015, I advised US Bank that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure US bank are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise US Bank company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that US Bank are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If US Bank fail to respond in writing, signed by hand, in a timely manner, I will assume that US Bank are in error and this matter will be challenged. As US Bank further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and US Bank claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, US Bank have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING ADVERSE INFORMATION ABOUT ME TO CONSUMER REPORTING AGENCIES. I DID NOT GIVE WRITTEN CONSENT TO FURNISH PRIVATE INFORMATION ABOUT ME TO ANYONE. AFTER VIEWING MY CONSUMER REPORTS, I NOTICED INCONSISTENCIES IN THE INFORMATION BEING REPORTED FROM CONSUMER REPORTING AGENCIES BY XXXX XXXX XXXX XXXX  ALONG WITH THAT INFORMATION BEING ADVERSE TO ME. I DEMAND THAT XXXX XXXX XXXX  DELETE THE ACCOUNT IMMEDIATELY. ATTACHED WITH THIS COMPLAINT IS MY COMPLAINT LETTER, PROPER IDENTIFICATION, AND SCREENSHOTS OF THE ALLEGED ACCOUNT FROM CONSUMER REPORTING AGENCIES SHOWING THE INCONSISTENCIES OF THE REPORTED INFOROMATION. XXXXXXXX XXXX XXXX HAS DISHONORED THE UNITED STATES CODE AS WELL AS MY RIGHTS TO PRIVACY AND KILLED MY CONFIDENCE IN THE BANKING SYSTEM. I DEMAND A RESPONSE WITHIN 10 DAYS FROM THE RECEIPT OF THIS COMPLAINT. HAVE A NICE DAY!
Product: Checking or savings account

I am ( Customer ) with Citibank Gold and Citibank priority for more than 20 years. 

XX/XX/2019 : Over phone opened 2 CDs both for 1-year terms, in the amounts of {$25000.00} and {$25000.00} respectively and funded through existing Citibank checking account. 

XX/XX/2019 : Money debited from checking account to 2 different CDs. 


XX/XX/2019 : Citi sends me a document to sign my signature and SSN. 
Customer signs and sends doc back to Citibank XX/XX/2019 : Citi receives customer signature doc and processes 1 CD successfully. Balance on CD = {$25000.00} ; No issues with this CD. 
2nd CD processed incorrectly. credited {$25000.00} and debited {$25000.00} to CD. Balance on CD = {$0.00} ; This is wrong. 
Customer visits local branch in California. Branch ( XXXX, XXXX ) advise customer to call XXXX New Accounts servicing. 

XX/XX/2019 Called XXXX ( XXXX ) who advises money of {$25000.00} to be available in the 2nd CD in 3-5 business days. Apologizes but asks to call back on XX/XX/XXXX. 

XX/XX/2019 Called XXXX ( XXXX ) who advises no knowledge of the 2nd CD. Customer escalates, holds line for 1 hr, talks to supervisor XXXX ( in XXXX, KY ) who sends e-mail to new accounts -back office team, apologizes, ensures interest for all the citibank process failure will be credited after the " principal amount dispute is first fixed '' and asks customer to wait until XX/XX/XXXX. Promises to call customer on XX/XX/XXXX. 

XX/XX/2019 Called XXXX ( XXXX ) who advises 2nd CD is closed and upon customer insistence for 1 hr repeatedly asks customer to call New Accounts - Servicing only, shows so much indifference as this is a new account ( for an old customer ) reluctantly opens up investigation request XXXX. Informs customer that CD is closed and the funds of {$25000.00} + interest of {$65.00} will be transferred to customer checking account after investigation. 
Customer visits local branch again ; XXXX acknowledges problem, assures everything will be fixed eventually. 

XX/XX/2019 Customer called XXXX ( Supervisor XXXX in TX ) who is told about the same problem for 1 hr. She denies notes or updates from previous folks talked to. But acknowledges that there is the investigation request from XX/XX/XXXX and the e-mail from XXXX on XX/XX/XXXX. 

Here 's what I need : 1 ) Customer needs CD amount XX/XX/2019 for principal {$25000.00} and outstanding interest {$65.00} so far till XX/XX/XXXX =  {$25000.00} transferred back to his checking account. 

2 ) Customer needs Citibank to be fined ( or customer to be credited a decent sum ) for the hassle of talking to 10 different folks over a month for a simple CD.
Product: Debt collection

Calling me several times daily and repeatedly harassing me and not leaving their name or information. I block the number and they call back using a similar number. They called me today from XXXX. My phone only says XXXXXXXX XXXX XXXX am a prior XXXX  employee and have no idea who they are, never received any verification of debt, and want ALL calls to stop or I will file a police report for harassment!!