23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On Monday, XX/XX/XXXX at XXXX, I attempted to call Mohela regarding a concern with my upcoming " return to payment '' status on my loans. I had previously asked Mohela, multiple times, to provide me a calculation on the number of payments made to my existing loans as I feel that they qualify for forgiveness under the XXXX XXXX plan. During prior conversations, they have been unable to provide this Most recently, Mohela replied to my written request on their website advising me to call again to discuss this and indicating that they now have experts who can answer this question. Upon calling on XX/XX/XXXX, I was presented with a voice recording indicating that the wait time to speak with someone was in excess of one hour, due to the " unprecedented scenario of multiple loans being forgiven at once. '' I was given the option of a callback within this time frame and waited. A call was NEVER received that day ( nor the next ). I even submitted a message on the Mohela site asking for someone to call me per the promise they made when i entered my callback number. No call. Each time I have tried to call since, wait times have been an hour or more. Like most Americans, I work during the day. I can't take an hour of XXXX time from work to call Mohela. The excuse on the voice recording does not seem to align with reality. I suspect Mohela is just not staffing their call center appropriately as there never seems to be a time when the wait is less than an hour. I need answers. I'm back in repayment and my student loans, which I took out in the mid XXXX, were broken apart into 4 separate loans when brought over to Mohela. 2 have already been forgiven but the remaining 2 have not been. When I called about this late last year, the rep speculated that the dollar amount on the remaining 2 was what prevented them from qualifying for forgiveness but MOHELA was the reason these were broken apart! Why am I being punished because my servicer decided to divide my loan into several smaller ones without my consent? And I don't even have official word as to whether this is the reason why these last 2 haven't been forgiven because I can't speak with anyone at Mohela. I am at my wits end and really need help in getting answers from this servicer.
Product: Credit card or prepaid card

Withholding a transfer to my account. Verified and then they said I need to send a photo of social security card paypal XXXX. 
Now my account is locked
Product: Credit reporting or other personal consumer reports

I have inquiries on open account and other account that were not made by me
Product: Credit reporting, credit repair services, or other personal consumer reports

Company XXXX XXXX shows up on CRA Reports not an account I am familiar with or charges. I send out verification letters both notarized and certified requesting validation of this reported account to XXXX. I request copies proof of signed contracts itemized payment proof or itemized proof of debt owed. 
Something more tangible for proof than just electronic passing of names and numbers which is my entitlement under FCRA. 
Factually in Illinois there are at least 13 people with exact same name as myself so I have seen stuff like this before! I as well sent dispute letters notarized and certified 2xs to the reporting CRAs. All to keep coming back electronically verified with no proof of this account being mine! One letter returned to sender ( myself ) off of bad addresses reported by CRAs only Experian had correct address. I have receipts of all items sent response letters returned letter and still this is a unverified account being reported against me causing me the inability to obtain the good credit I deserve! CRAs continue to verify/ XXXX  continues to verify and no one has shown hard validated evidence of this Account! I have shared all this info with both the Bureaus and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a request for a credit line increase online with my XXXX XXXX XXXX card through XXXX bank. When I requested there was an option that had a check box which allowed XXXX  to access your credit report. Below that it had a statement which reads " Please note that we can still review and consider your request for credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox ''. In order to prevent a hard inquiry on my credit report I did not select the checkbox, however a hard inquiry was still made on my XXXX credit report. I called in XX/XX/XXXX to XXXX bank and was told by the customer service rep there that I would have to dispute through the credit bureau. XXXX the credit bureau stated the only way it would come off is if it was a result of fraud, otherwise I would have to contact XXXX bank to have it removed. This morning I called again and spoke with a customer service representative who transferred me to XXXX ( ID XXXX ), She told me she was a supervisor and that although the option to not have your credit report accessed is there, it is still done anyway. She also informed me that the hard inquiry would stay on my report. I informed her at the time that this is misleading to the consumer and I would have understood a soft inquiry but would have never requested the increase if I knew it would negatively affect my score with an unwanted hard inquiry I have included copies of the actual statement that is on the website informing the consumer that they can still review and consider a request for the credit limit increase without accessing your credit report.
Product: Credit reporting

I asked for the full verification of this account and the company removed it and then put it back on a week later without giving me verification I called the company back and they keep giving me the run around. I told the company I was asking under the Fair Debt collection Practices Act and what I was told was they do n't have to give us anything but a bill they sent me from their company but we never dealt with their company which is midland credit company. I am waiting for a manager now. XXXX XXXX who is the manager had no information about the account and gave me more of the run around the company will not comply with the Fair Debt Collection Practices Act. I 'm now talking to XXXX XXXX ( id # ) XXXX and asked for information under Fair Debt Collection Practices Act was told he does not have the contracts to show me and does not have to have the contract. XXXX XXXX ( Id # XXXX ) she told me they can add money to the debt. the debt is XXXX but midland reported XXXX. XXXX XXXX ( id XXXX ) he does n't no you cant report interest. he also said just a bill was complaint with the Fair Debt Collection Practices Act law they sent me a bill and he said that 's all he 's required to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> This CFPB has been filed to request pursuant to FCRA section 605B ( 15 U.S.C section 1681c-2 ) that you XXXX, XXXX , and Experian credit reporting agencies, block information appearing on my consumer credit report that this is a result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent inaccuracies and false information consists of mobile accounts and insurance information and collections and false records on my behalf. These accounts have resulted in several fraudulent inquiries and fraudulent collections, I do not recognize the aforementioned accounts or collections and results of the identity theft and they have not been initiated by me. I have attached a copy of the FTC identity theft Complain ref # XXXX as proof from the US Federal Trade Commission that all of the mentioned credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

As 15 usc 1681 starts out with " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' I have had no trust in this banking system for quite some time. Recently, last year, I have tried writing to ask various companies to remove old, sold, and identity theft accounts from my credit report. None have been able to validate any of the alleged debts, and nobody from the companies write me back. I just get a generic " we have verified and we will continue to report this account on your credit report. '' All I am asking is to stop putting things on my credit report that does not belong. It's harmful to my reputation, and is making it very hard to continue to educate people about the law when companies do not read the law. 

My last letter was sent at the beginning of XXXX to 3 separate companies, and I mentioned that I will file a cfpb complaint before I initiate litigation. I do not know if I can put all 3 companies on here but feel free to email or call.
Product: Credit card

I recently had to close both of my Capital One credit cards that I've had open for almost a decade because they allowed a fraudulent charge to go through, despite contesting the charge and providing evidence of my claim. I ordered a pair of boots from XXXX from a vendor on XX/XX/24. I received the boots and they didn't look good, so I returned them immediately. I then received a refund for them shortly after on XX/XX/24. 

Then randomly, over two months later on XX/XX/24, this vendor charged my credit card again. When I tried to reach out to them, XXXX directed me to forward a message through their email, as seen attached. I received no response. I then them a receipt that they sent me the boots, nothing more, nothing less. My credit card company then took back the credit. I then informed them that's not what the issue was ; it was that I sent them back already got a refund, and now they are trying me charge me again. I forwarded all my proof. They then requested I send them pictures of the boots, which makes XXXX sense because why would I have taken a picture of the boots?

Despite providing all the documentation that these were sent back and I tried to communicate with the vendor, they refused to reopen my case. They still think I'm saying the boots were never sent to me. They then changed their story to saying they issued me a credit already so that's why they took back the refund. Again, they issued the refund and THEN charged me over 2 months later. My credit card company refused to listen to anything else I had to say and aided this untrustworthy vendor from stealing {$81.00} from me. Because of this, I quickly canceled all my credit cards from Capital One as I now knew I had no protection against unauthorized transactions.
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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XXXX : {$450.00}
Product: Money transfer, virtual currency, or money service

This is a complaint on Citibank 's new policy discriminating against customers because they don't believe in the customers 2nd Amendment rights of law abiding United States citizens. 

The company took billions of dollars in bail out money without questioning whether the tax payers that paid for it were 2nd amendment advocates or not. This new discriminatory policy is hypocritical at best. If they chose to have the basis be religion, race, gender, XXXX orientation or if you used your freedom of speech to express an opposing viewpoint, the outcry would cause them to be fined or put out of business. The constitutional protection for the 2nd amendment is no different.

Citibank must stop discriminating against law abiding citizens. It is unethical for them to try to use their influence to dictate to customers what XXXX owners, purchases, sellers and manufactures constitutional rights are.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below due to my status as a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report. 
Inquiries to be Deleted : DEPT OF ED Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX that is reporting negatively on my credit report and it is the fault of the bank and not me so therefore it should be removed from my credit report. The problem here is that, I had went to the bank and told them that I had to have a XXXX XXXX XXXX XXXX XXXXXXXX and I would be hospitalized for sometime so they told me to write them a letter and they would put the payments on hold until I could resume the payments. The bank never did what the had promised to do and went on to report the missed payments on my credit report, although I had given them the name of the loan officer ( XXXX XXXX ) who had advised me of the process that I must follow. After trying many times to get the bank manager, Mr XXXX XXXX to update the account to what it should be, I am now asking the credit report agencies to delete this derogatory item from my credit report. The bank manager, the XXXX, XXXX XXXX has refused to honor the banks agreement and told me via telephone conversation that if he fixed it, he would be reporting false information and would be in violation of the fair credit reporting act. So, it is very clear that this XXXX XXXX bank manager has no problem screwing up a customer credit, even though they were sick and helpless.
Product: Debt collection

I was on a company phone plan which used XXXX and upon changing jobs needed to get onto my own phone plan. I had intended to just keep using XXXX, ultimately they could not get my phone to work and switched providers, but eventually I started to receive a bill just for getting of my company plan. They were never able to provide any such agreement or reason that would require this exorbitant {$350.00} cost and said the issue could not be resolved and was sent to debt collectors who have been harassing me since.
Product: Checking or savings account

My account has been frozen and I am unable to get a hold of the customer service to fix the problem. I waited online for 2hrs with no contact with anyone. They do not call back or answer the line. I am unable to access my money for the past 3 days with no response from NETSPEND - XXXX XXXX  ACCOUNT. This is truly an inconvience to my everyday life. I am unable to pay for my work commute, which led to me missing days of work. I have sent them all the required documents to prove who I am and they still refuse to unlock my account. I have no clue where to go for assistance with this matter. I just want my money out and my account closed. PLEASE HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In keeping with my state 's reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of : Fullness of truth Completeness of accuracy Timeliness of validity Certifiable compliant reporting This includes but is not limited to the standards and mandates described or hinted at via the applicable FCRA and FDCPA laws, much less the standard of compliant reporting in the documented perfect and complete Metro 2 Format compliance of reporting!

Issues with Current Reporting Your current reporting is significantly questionable and unproven to be : Veritably precise Correct Outright Timely Validated Otherwise certified compliant This is related to the mandates and standards of lawful reporting in line with the applicable aspects of the FCRA and FDCPA, including but not limited to the mandatory perfect and entire certified Metro 2 format reporting.

Discrepancies in Reporting You are reporting inaccurate and incomplete information in regard to the below-noted medical account ( s ).

I demand that you contact the medical facility, as I have already done, and demand a validation of the debt ( of course, they can't provide the statement at this time ). Since they can not or will not provide an itemized statement for the services : They are clearly in violation of the FCRA and FDCPA.

Please unabbreviate your investigation of this medical collection and remove it because the provider can not validate the information you are reporting on my credit report. REMOVE the following suspect allegation ( s ) immediately and permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Bank of America and I almost never use it. I have a auto draft setup for several years for this card so the balance will always remain XXXX. This credit card has a $ XXXX  yearly service fee. Last year around XXXX this credit card charged a service fee that was not automatically withdrawn using my auto draft. Unknown to me the service fee stayed on the account as a balance and I was charged 30 days delinquent not for actual purchase but for a service fee. I have spoke with Bank Of America customer service on several occasions and they all admit the issue is on their side however when ever they send the correction request to their credit reporting department the department refuses to acknowledge that the technical error happened on their end and correct my credit reporting. I have XXXX credit score for maintaining an perfect payment record this reporting put a blemish on my credit for something that is Bank of America 's fault and I should not be punished for that error.
Product: Credit card

I opened a business credit card account with Union Bank and XXXX last year with cards for my employees. I do not have a card because I do n't need XXXX. 
In XXXX of this year they sold my account to a new servicer but did n't include my information as the account and business owner. Since then I have been trying to pay my bill, but I ca n't access the account because I do n't have a card and the new servicing company, XXXX XXXX, requires that I make a new credit application in order to be added to the account and gain access - to an account I already applied for and already own. 

- The account sale happened without me being notified - Once the account sale happended, my balances are being incorrectly displayed on my online account - when my payment was due, I asked that it be paid and a much larger balance was taken from my account than was showed in online banking - I am not allowed to access the accounts by phone or online even though I am the financially responsible party - the new financial institution/account owner has said that they are going to require me to make a new application, force me to provide my SSN and other non-public data to a company with whom I do n't wish to have a relationship, whom I do n't have a privacy policy for and who has n't been willing to give me access to an account that I technically already own anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland is reporting in my credit file however it is inaccurate because I have no knowledge of such accounts. I did my research on what to do because this is really hurting my scores so bad even if I try my best to get a better scores. I asked for proofs yet nothing is provided to me. I am in a tight income and making ends meet. I came across a case vs Midland, Texas vs Midland. In that case I have learned that Midland claims to have a disclosure and an agreement that there is a consumer agreement for all who they are collecting from. I asure you that I did not conform to any of those agreements and I dont know it. Please have this deleted my file immediately. I want to start this year with a chance to fight for my scores.
Product: Credit card or prepaid card

I was working in XXXX XXXX and planned to retire on XX/XX/2020. I booked two XXXX business tickets from XXXX to XXXX via XXXX for XX/XX/2020, the amount of 2x {$3800.00} was charged to my Chase visa card on XX/XX/2020. The flights were canceled by the operators and the charges are not refunded after many phone calls and faxes to Chase credit Dispute XXXX XXXX, fax XXXX XXXX XXXX ). 

After the previously booked flights were canceled, we were anxious and desperately searching flights to go home. We noticed XXXX was accepting international flights. I booked two  XXXX business tickets from XXXX to XXXX via XXXX for XX/XX/2020, the amount of 2x {$3800.00} was charged to my Chase visa card on XX/XX/2020. The flights were canceled by the operators and the charges were fully refunded on XX/XX/2020. 

We finally booked two seats on one of US State Department arranged repatriation flights and arrived in XXXX on XX/XX/2020. 

After many calls to the Chase Dispute XXXX XXXX XXXX and faxes ( XXXX XXXX XXXX ), I am still denied to refund the XXXX to XXXX trip for 2x {$3800.00}. Please help! 

Best regards, XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

Due to my XXXX XXXX XXXX, ALL of my bills ARE on AUTOPAY. WITHOUT NOTIFYING ME, in ANY shape, form or fashion, XXXX XXXX  STOPPED MY AUTOPAY with Just FOUR ( 4 ) Payments remaining. It Wasn't until I was Alerted By the Credit Bureau Did I learn I was by that time 30 days late with my payment. I IMMEDIATELY contacted the bank by PHONE and was Rudely treated by a lady in the Collections Dept. FORTUNATELY, I HAD THE FUNDS TO PAY BOTH PAYMENTS- WHICH SHOULD HAVE BROUGHT MY ACCOUNT CURRENT AND UP TO DATE... INSTEAD, THEY WERE WANTING ME TO PAY OFF MY BALANCE. THIS I COULD NOT DO BECAUSE I AM XXXX AND LIVE ON ONE MONTHLY FIXED INCOME. 
they were implying my account should have been paid off in XXXX. Because of my payment status, twice a year XXXX XXXX  SENT ME a offer IN THE MAIL to extend a payment Which I usually ACCEPTED... In Doing the Math, there is NO WAY MATHEMATICALLY this Would have precluded a XXXX payoff. DUE TO THEIR ACCOUNTING & SOFTWARE ERRORS, HAS RUINED MY CREDIT ; CAUSING MY SCORE TO DROP BY OVER A XXXX POINTS. it DOESN'T END THERE. 
WHEN I DID CALL IN ON XXXX XXXX 2024 @ XXXX, I spoke to XXXX AND USING THE SAME BANKING INFORMATION THEY HAD ON FILE - PAID THE BALANCE OF {$700.00}... EVEN AFTER I PAID OFF MY TRUCK, THEY FAILED TO REPORT MY PAYOFF and UPDATE MY ACCOUNT STATUS. * I HAVE SINCE ; RECEIVED MY TITLE IN THE MAIL. BUT STILL. THEY HAVE FAILED TO REPORT MY PAYOFF TO THE CREDIT BUREAU.