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

I opened a CD with BMO XXXX Bank online. I transferred {$200000.00} into a CD. I wanted to make it a joint account with my wife. The bank told me that they would send my wife an email link to be added as a joint account holder. They sent the email and it said it had to be completed within 10 days. We tried to complete the link at least 12x on different days. It never worked. We called the bank 4x and spoke to customer service. They told us that they could not add my wife to the account but that they would submit a " ticket '' and have someone call us to fix the problem. No one ever called. I then tried to cancel the CD but they would not allow me. During the last call they told me to just add my wife as a beneficiary. I am entitled to have my wife as a joint account holder to avoid estate problems. And was also entitled to cancel my CD when they could not provide the services that they agreed to provide. The bank took my money, refuses to refund it and refuses to add my wife as a joint account holder. Each time that I call back, the new customer service agent does not see any notes from the former customer service agent, meaning that the agents are merely talking to us, hanging up and taking no steps to fix the problem. The bank is engaging in fraudulent soliciting activities to get money.
Product: Student loan

After graduating from XXXX XXXXl & reaching the end of the repayment grace period, I consolidated my student loans in XX/XX/XXXX. That left me with two loans - consolidated unsubsidized loan and a consolidated subsidized loan. I have worked in qualifying employment for the public service loan forgiveness program my entire adult life and every day since since my first eligible payment in XX/XX/XXXX. I've only had two employers during that time, both are non profits. One is a XXXX XXXX XXXX and the other is a XXXX XXXX. I have tried to turn in employer certification forms annually or fairly regularly to ensure certification.

I have made made every payment except five months where payments were not made because my servicer ( s ) required me to take a forbearance so they could process paper work or transfer my loans between services. Of course, this adds another 5 months or separate monthly payments on the the end of 120 repayment obligation through no fault of my own. To the best of my knowledge the months that I was required to take a forbearance were : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, and XX/XX/XXXX. I believe that the XXXX forbearance was cause the company XXXX, who may have been my servicer at the time and the rest were compelled by XXXX who may have taken over my loan on or about XX/XX/XXXX. 

Determining what organization serviced my loan at what exact time leads to the second issue of my complaint. In addition to be forced to delay making qualified forbearance through delays in paperwork process and loans transferring described above, I've been asking XXXX for an accounting of every payment that I have made since XX/XX/XXXX and a determination of whether each payment qualifies for the PSLF program. It is XX/XX/XXXX and I still don't have that. I was given a record of payments since XX/XX/XXXXseveral times. I've been told I was in default ( which was never true ). I've been told that there were no records before XX/XX/XXXX. I've been told that I had previous servicers and they went out of business so there are no records any more. I've been told that their record review is inconclusive. I've asked the NSLDS who my previous servicers are and contacted them myself. One promptly mailed me the records, the other said they turned everything over to a different servicer and didn't retain any record of me at all. My bank statements list the withdrawal from the Department of Education, but not XXXX in name back in XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX got 3 payments in early XX/XX/XXXX before transferring to XXXX. They mailed me their records, but they also list at the Department of Education on the withdrawal transaction with my bank. The bottom line is that XXXX has me at 62 qualifying payments for PSLF when I should be around the 80 mark ( or higher if not for the forced forbearance months ) and they can't produce a complete records of payments made or their eligibility for PSLF after being asked for 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was negatively impacted by the close of this account. Wasnt made aware that the company prompting to close my credit account would affect my credit.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by XXXX & XXXX XXXX to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money & was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the inaccurate reporting of TransUnion on my consumer file. Despite my repeated attempts to address the issues with TransUnion directly, they have failed to comply with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Fair Credit Reporting Act ( FCRA ). 

I have made numerous requests to TransUnion to correct the errors on my consumer file, but they have not taken the necessary steps to do so. The inaccurate information on my consumer file is negatively impacting my credit score and financial well-being. 

As a consumer, I am entitled to accurate information on my credit report, and it is the responsibility of TransUnion to ensure that they are reporting information in compliance with XXXX  and FCRA regulations. 

I am requesting your assistance in resolving this matter with TransUnion and ensuring that they take the necessary steps to correct the inaccuracies on my consumer file. Thank you for your attention to this matter.
Product: Debt collection

I paid debts in exchange for deletion off my credit file. Debt collection company is still reporting on my credit report voiding our recorded verbal and written agreement .I have disputed numerous of times and will seek legal action against all parties at fault
Product: Debt collection

Recently disputed an amount owed to XXXX apts for a collection of eviction and rent debt automated collection has taken over the account. The court judgement shows for {$730.00} but they are validating to the credit report agencies that I owe over XXXX. I sent 3 letters to them to verify the debt and still havent gotten a reply. Credit agencies are reporting they they are responding that the amount is correct. I have my court documents showing other wise.
Product: Credit reporting or other personal consumer reports

I provided a police report indicating I was a victim of identity theft and requested to have the accounts removed from my credit reports, I also requested proof of verification that the accounts belong to me. I didn't receive proof of verification nor did the bureaus remove the accounts. These action took place on XX/XX/year> for the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting I have XXXX collections in the summary section of my credit report. However, I there are not collection listed, please correct the error as it's effecting my credit report. 

I have attached screen shots as well. Please correct ASAP.
Product: Credit card or prepaid card

I contacted Lendup  Card Services to close my account and was told I was not allowed to close my account.
Product: Credit card or prepaid card

I had XXXX XXXX dollars charged to my American Express card by an ex employee for their personal benefit. Those charges were not authorized by me and though I had a relationship with the vendor the vendor was also not authorized to charge my account for the ex employee. I brought it to AMEX 's attention 3 months ago and they quickly agreed it was fraud and credited my account back the XXXX. Fast forward to yesterday I get a call at night telling me that the charges are not fraud and that I am responsible and I should take it up with the vendor. I am a 15 year card member who uses Amex because I thought they provided some protection. I have never made a claim during this time. Bottom line I was stolen from, we had to fire the employee, and now because the perpetrator worked for me it is not not considered fraud. I asked to speak with a manager and was denied the request, then I asked to speak with a divisional manager and was told by the employee XXXX that she could make no promises. This company has been charging me over {$1000.00} a year in annual fees on my 4 cards going back well over 10 years to just leave me high and dry the first time I have asked for protection against fraudulent charges.
Product: Debt collection

I received a call from this company stating they contacted me via mail. I had not received anything from them saying I owed a bill on the apartment I had just moved from. I asked for the company 's name, and the lady I spoke with did not provide the information, so I ended the call. I called back a few days later and talked to another person to try to verify the company again. This lady was vulgar ; I only asked for the company 's name and if I could make online payments. I informed her that I was not making any payments until I could verify they were legitimate companies. This woman was vulgar and loud and continued to cut me off as I spoke ; she made multiple threats that she would report this on my credit if I were not going to pay her in full. I never told her I would not pay ; I only asked that she stop being rude and trying to intimidate me. She got angry and loud and then abruptly transferred my call to the first lady who made the initial phone call to me. 

Recently, I received another call from the same company from a young man named XXXX ; he called from a spoof number with a XXXX area code ( XXXX ). He then informed me that the company 's name was IQ Data International and that the company 's number was XXXX EXT XXXX. I asked him for a website to verify the information, and he became vulgar and aggressive in his tone ; he started yelling. I asked him not to, and he toned down for a moment, escalated again, and demanded payment. I told him I was willing to pay but wanted to verify the company first, and our conversation ended with me ending the call. He was combative in his discussion and continued to over-talk me.
Product: Vehicle loan or lease

XXXX and XX/XX/year>. I have ask and tried to dispute it with the capital one auto finance department. I keep getting hung up on or I still owe on the charge off.
Product: Payday loan, title loan, personal loan, or advance loan

It was stated that no money was going to be taken out my account a check was processed for a non approved amount when I got the loan checks was signed {$130.00} not the amounts for checks presented constantly
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Most of the accounts in adverse sections are past 7 years reporting and the others are basically duplication 's XXXX  XXXX never delinquent, XXXX  not mine.XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX duplication 's exceeding 7 years reporting.XXXX  XXXX  Paid agreed. XXXX XXXX never delinquent being paid as agreed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are paid accounts that exceed the 7 year reporting.
Product: Student loan

Navient will not work with me with repayment plans. They tell me I have no more options and want me to pay $ XXXX/ month. I only make $ XXXX/yr. I paid over {$5000.00} in interest with them last year. I try to explain to them that I can not afford these payments each month, but they refuse to work with me.
Product: Debt collection

CREDIT CONTROL CORP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX , XXXX XXXX, VA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT CONTROL XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT CONTROL XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I opened my bank of america account back in 2021, I've been a victim of Identity theft and stolen checks were deposited into my bank account. They were deposit through ATM in XXXX XXXX I do n't drive and I'm not even allowed to leave New Jersey without my parents consent. The bank have security cameras and they are able to see that I wasn't the person depositing the check but they still don't want to clear to open a new account. I've submitted a claim to start an investigation and have my name clear to not ruin my background with the banks. I've never had any issues with fraud or other similar situations. I'm asking for help to clear and straight things up. I'm about to start to college and I need to have a bank account for financial aid purposes, I also needed for work to get pay. Please help
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX ( a chat supervisor ) promised me {$150.00} credit for issues related to rewards points and account closing. On XX/XX/XXXX, no credit was showing and I was told it would take another 48 hours. 

Here is what XXXX said on XX/XX/XXXX. 

" I have issued {$150.00} credit on your Amex XXXX Card For which you will see the adjustment within 5 business days "
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$150000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I find this explanation on XX/XX/22 to be unacceptable by Equifax. 
Since credit was denied, I want a copy of their credit report on me. 
They reported the information and XXXX XXXX denied me credit, now Equifax is saying otherwise. 

I want a copy of their credit report mailed to me. 
I do not know what the codes XXXX, XXXX, XXXX, XXXX are, Equifax reported a score of XXXX! 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card

On XX/XX/year> attempted to get a XXXX} cash advance withdrawal from a PNC ATM located inside of XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX VA XXXX. The ATM malfunctioned instead of receiving XXXX} in twenty-dollar bills, I received {XXXX  in ten-dollar bills! This has never happened to me in my life! Went to the Manager to express what happened and subsequently all the ATMs in the store were taken out of service via large OUT OF ORDER signs. I was told to reach out to my CC company to dispute this transaction which I did. But I still asked the Manager at the XXXX store isnt this a problem that PNC and its ATM SERVICER are suppose to fix? I was not given any type of phone or contact number by the store! I snapped a photo of the PNC ATM but there wasnt any visible identifying information on it. My CC bank is XXXX XXXX I immediately notified them and began the dispute. I also found PNCs contact information on XXXX and called to speak to someone anyone and I have gotten no where. On my XXXX  XXXX CC statement there is a XXXX cash advance charge PLUS fee but I never received that amount the faulty ATM dispensed incorrect bills of {XXXX}. This situation has not been resolved and as a consumer this should not have occurred and then to add insult to injury NO ONE is taking responsibility.
Product: Credit reporting or other personal consumer reports

Upon checking my credit reports I spotted numerous HARD INQUIRIES, that i did not apply for nor did I authorize anyone else to apply for on my behalf. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX BLOCK AND DELETE THESE UNAUTHORIZED INQUIRIES IMMEDIATELY, FCRA STATES THAT ALL IDENTITY THEFT AND FRAUD MUST BE DELETED WITHIN FOUR DAYS.
Product: Mortgage

I received a mailer from Caliber Home Loans on XX/XX/2021. The mailer states they offer rates as low as 0.022 % ( 0.029 % APR ). 

I called the number on the mailer, and the representative said the offer was in fact real, then forwarded me to a Loan Officer to get the process started. Within a minute the Loan Officer stated the offer was not real and began to hard sell me using fear ( " rates just keep going up '' ) and had no data to prove his statement. 

It was very clear from the call that the mailer was just an attempt to get me on the phone. This is a terrible business practice and Caliber Home Loans needs to be audited.
Product: Debt collection

I was contacted by Sequium Asset Solutions seeking to collect the debt in the amount of {$260.00} on behalf of XXXX XXXX as per attached XXXX letter. I have spoken with the Sequium Asset Solutions representative on XX/XX/XXXX and informed them that my roommate XXXX XXXX and I have paid the above amount to XXXX XXXX back in the Summer of XXXX  and that we have the payment confirmation receipts to prove it. I was instructed by Sequium Asset Solutions representative to submit the proof of payment information via email address XXXX for the Sequium Asset Solutions review. I have submitted the same proof of payment information receipts as I am attaching to this complaint to the Sequium Asset Solutions using the email address provided. After not hearing anything back from Sequium Asset Solutions I have contacted them again on XX/XX/XXXX and was told by Sequium Asset Solutions representative that no information about the case could be provided at this point. I think it is a blatant violation of my consumer rights to seek to collect debt that has been previously paid and not to respond to my request for further information.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I remitted money to XXXX through Sigue Corp on XXXX XXXX XXXX The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I have requested a refund from XXXX XXXX through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered XXXX XXXX to stop remittance activities on XXXX XXXX XXXX SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!