23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/2022 On XX/XX/2022, I received five letters from Mohela stating that they have counted the number of qualifying payments made during each period of qualifying employment. The letter credited me for only 49 payments. 

I contacted Mohela and spoke with XXXX, Mohela representative, and advised that this information was incorrect. I explained that I was applying for the limited PSLF waiver and under the limited PSLF waiver, my loans should be forgiven. I explained that I received a denial letter and that I should not have been denied under the limited PSLF waiver. 

XXXX put me on hold and spoke with her supervisor. After being on hold for quite some time, XXXX advised that Mohela had not received all of the history from the previous servicing provider. After questioning her about this and advising that I received notification from Mohela that the transfer was finalized, XXXX then advised that she didn't mean that the history of my loans were not transferred. She explained that Mohela was not yet finished giving credit for all of my previous employers. She advised that Mohela had not finished processing my limited PSLF waiver. XXXX concluded by saying that I would receive another letter that gives me credit for the applicable employment that qualifies under the waiver. 

I logged onto my account today ( XX/XX/XXXX ) to discover that Mohela updated my application status to " Processed. '' They also deleted a document that they determined to be a duplicate of what was already sent. Mohela and its representatives lied to me about the status of my application. I was told that they were still processing my application and crediting my qualifying payments under my previous employers. The status as reflected on my account and the letter that Mohela provided also conflicts with what I was told. 

Mohela was blatantly dishonest in their communication on the status of my application. Their dishonesty directly impacts my ability to be afforded forgiveness under the limited PSLF waiver. Their dishonesty not only impacts me, but any other student loan borrower who is trusting that the information that they receive from Mohela to be accurate. 

I have tried contacting Mohela to discuss my findings. However, Mohela has turned off the ability to reach any of the representatives. 

I would like my file reviewed again under the limited PSLF waiver and be given credit for my qualifying payments. 

I look forward to hearing from someone. 

XXXX
Product: Checking or savings account

When I wasn't able to collect my bonus from Citibank I filed a complaint with cfpb. The bonus then posted. I moved my money to another bank via Citi check and waited for my Citibank checking account balance to show XXXX balance. When I went to close my account and was asked for the reason, I advised Citibank it was very difficult to collect the bonus and had to file a complaint with cfpb to receive it. At that time my account was blocked and I didn't have access to my funds. Citi then took the money back from my bank. 
After multiple contacts with Citi they assured me the money was in the mail as of XX/XX/XXXX and would arrive no later than XX/XX/XXXX. It did not arrive and now Citi states there is a block but will not tell us why there is a block. It appears to be due to the fact we filed a cfpb complaint but we can not verify. 
Today Citibank told us they are closing the account but will not tell us when. They advised us that when it is closed we will receive our money in 5-7 days. Possible the first week of XX/XX/XXXX. We don't have much confidence that they will actually follow through on this statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account which is not mine ( XXXX XXXX XXXX XXXX ) with XXXX for over 7 months now and nothing being done. This account was removed from my XXXX and XXXX XXXX reports because they done a real investigation and found out this account is fraudulent. 

The account being reported multiple times on my experian report at one time it was being reported as 3 different accounts plus so much more and its very upsetting. 

I demand this account to be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and the XXXX  breach and may have gotten into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I used to buy on a monthly basis cryptocurrencies on Coinbase.  Everything went fine for months but suddenly the started in XX/XX/XXXX to account some extra fee to my XXXX card bill which they described afterwards in our mail communication as " cash advance fee ''. 
So I started writing back and forth to Coinbase and my bank. But one day as they usally like to do so on other topics too the communication with Coinbase stopped. 
My last knowledge about this situation is, that my bank and XXXX says that Coinbase is responsible for accounting that " cash advance fee '' while Coinbase says it is not.

So my last question to Coinbase was : " So when you know that this fee is accounted, why don't you comminicate it to your customers? I got a bill of my purchase. There's already a credit card fee included. But the cash advance fee isn't listed anywhere. '' Coinbase never answered this and because I'm still in contact with my bank and XXXX I'm inclined to the view that they are right and Coinbase is trying to not face the truth.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XXXX, financed through capital one auto. In XX/XX/XXXX I reported the car stolen. The police found the vehicle and it was impounded. My father was the main lean holder on the loan. My father called capital one and informed them that the car was stolen and it was impounded in result of that. Me and my father thought it was best if we surrendered the vehicle. So to our acknowledgment, we thought capital one was getting the vehicle from the impound. 4 years later, we found out the vehicle was never picked up by capital one. Instead they left the vehicle there and never informed us that they werent getting the vehicle. A month after being impounded the impound place applied for the title since the car was considered abandoned and then sold the vehicle. Capital one then reported in XXXX an increase in their amount. For 4 years they have been reporting {$10000.00}. Now they are reporting {$16000.00}.
Product: Bank account or service

My debit card was stolen. Within 24 hours the thief hit XXXX ATMs, a gas station and an expensive restaurant. Bank of America has denied the claim saying the thief had the pin and suggested that I had given it to someone, which I had not. Then BOFA said the thief did n't keep checking the balance like most thiefs would (? ) suggesting I did it? They wont even check camera activity. They refuse to provide me access to any investigator, any consistent single contact ( just a customer service associate always from some other city and state ) by first name only. I have written them ( to a fax number ). They wo n't give me any supervisor name or manager name to talk to. When I go into a branch office of BOFA, all they do is pick up the phone and call the fraud department, explain that I am sitting there asking about the claim and then they accept their measly answer of its being investigated or now, the claim has been denied. I am at wits end. Can you please help me? This was a lot of money and it was the only money I had. Now I am in dire financial straits and I am struggling. I am borrowing small amounts of money to get by on to supplement my XXXX income now until I can begin to recover from this somehow, someway. Please, how else can I get BOFA to right this wrong?
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX  I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

During XXXX I received a letter about one of my business accounts being restricted due to routine KYC checks. Citibank requested me to contact either the branch or they KYC department. I did both. They asked me to sign a few forms, which I did on XX/XX/XXXX at the branch. It's been more than a month since then. I've called both the branch and their KYC department to follow up, and they have been telling me for the past month or so that they have " all the information they need '' and it's up to the analyst to unlock my business account, but the analyst is never available. 

Well, it's been more than a month contacting them, hearing the exact same answer and they just don't unlock their account. We couldn't even pay salaries by the end of month because we can't even cash checks. Citibank has been extremely negligent and they just don't care. It's been by far the most frustrating experience I've ever had with a bank. I am already opening new bank accounts elsewhere, but I still need them to unlock my accounts to acces the funds.
Product: Payday loan, title loan, or personal loan

On today, XX/XX/XXXX at XXXX XXXX XXXX I contacted Navy Federal Credit Union about my current loan and credit card payment that is past due. I inquired about getting assistance, and I was told that they could not provide me with any assistance until they reviewed my account again on XX/XX/XXXX ( it was posted on their app that they could provide assistance if I had a hardship since I was behind on both of these payments ). The previous time that I called, which was earlier this month, they werent able to provide assistance either. I have also inquired about reducing my monthly payments as I had over a year ago, and they told me that there was nothing that could be done on their end, that I needed to find another part time job or contact my other creditors to see if they could help ( in which they wont ). The only assistance they have offered me was just an extension, which does not solve the problem at all. I have stressed to them months past about this situation because I am on a different income and I can not afford to pay the amounts that they are giving me to pay because it would interfere with other bills that I have to pay, but they dont care, and its causing me more stress than I need.
Product: Student loan

In preparation for a mortgage, I requested a schedule of payments- how much I owe on each due date going forward on the loan. They told me they were unable to provide me with this information, as it depended on how much I paid each month. My amount due has n't changed in months, and I pay the same, consistent amount. They were able to tell me approximately what my loan schedule would be, but could n't send something in writing. They said they would mail us their policy stating why they could n't provide a payment schedule, but never did. XXXX First, they wanted us to go online to request the policy be sent. I told them that, since I had them on the phone, I would like to request it now. )
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practice. Which violate the Customer Financial Protection Act Act ( CFPA ) .Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on theirs platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. Theses actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

I have been emailing them for months about my mortgage payments and even in the process of that withdrawn money from my 401k plan with penalties to get the money. Finally on Tuesday, XX/XX/XXXX Pennymac sends me the amount for reinstatement of my mortgage. Which had two amounts one if I paid by Monday, XX/XX/XXXX and another if I paid by Wednesday, XX/XX/XXXX. Which also stated that amount would be good for two weeks. However when I called them they said that the two weeks didn't apply because on Monday, XX/XX/XXXX was a foreclosure hearing and sale. After fighting with them by phone I figured my best bet is email so I would have documentation of everything. They postponed the hearing and sale they claimed for two weeks but have not sent any legal documents to confirm that. 
I continued to push for a dollar amount to bring my mortgage back up to date and after being told that it would take 7 days they sent that to me on Wednesday, XX/XX/XXXX. As I was checking on the fastest way to send the amount {$10000.00} to them I discovered that my bank XXXX sent them the payment. 
Now Pennymac claims that they do not have a record of the payment and I had to send them proof of the transaction which I have done three times. They still have not confirmed and posted the payment nor have they sent anything about a hearing tomorrow. My wife and I are taking time off from work to go to the courthouse in the morning with my proof again. 

I have researched online and there are several complaints about Pennymac pulling the same thing and much more. Pennymac needs to be stopped playing these games and unethical business practices. So helping me can be helping a lot of other homeowners who are doing the right thing or like with us correcting what happened to have a chance. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me at all. I've reached out several times and no one seem to get back with me with the proper documentation. The company XXXX XXXX should have fallen off my report by now. It's been reporting false information for the past XXXX years. The credit bureaus refused to update my report with the correct information. I've never had a car repo from me. I was never in possession of a car from either company. This is causing me financial hardship for myself and children with this inaccurate information listed. I'm asking that you all do your investigate and remove this negative info from my name! Please update all personal information as well to what's listed on my current ID, which ave been my address for over XXXX  years now. You all are VIOLATING MY RIGHTS and its not fair!
Product: Debt collection

I was contacted about this debt back around XXXX. I stated then that I was n't aware of this debt and requested information that was never received. It is now 7 to 9 years later ( beyond collections statues ) and I 'm being harassed again via phone calls and mailed letters for money in the amount of XXXX for a debt with XXXX XXXX XXXX and XXXX XXXX, XXXX. The letter states the principle balance is XXXX and XXXX XXXX of XXXX 

Please provide documentation as well as check the FDC status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX credit report and noticed they have 3 variations of my name and 2 of them are spelled incorrectly. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 2 companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.
Product: Credit card or prepaid card

You didn't give me a choice for what my issue is, its with Care Credit. I got the Care Credit card because I needed to have my XXXX removed and I just didn't have all the money needed. I was told oh Care Credit and as long as you make you payments in the alloted time they won't charge you interest. If you owe them money after the alloted time they will charge you 26 % interest retractive back to when you made the charge. Great I can do this, I made my payments every month, per what the bill said. I look at my statement this last month and I see over {$500.00} in interested added. I called and was told oh you didn't pay enough ( obviously ) but I paid what I was told and was under the impression that if I made my monthly payments this wouldn't happen. She tells me " Oh you needed to let us know if you wanted that evened out '' Seriously. That she would give me 1 more month to come up with over {$800.00} to even this out. If I had {$800.00} I would have paid for my XXXX. I think Care Credit was very deceptive in their practices, I'm thinking okay I'm doing the right thing, I'm making the payments when all along they were rubbing their greedy hands thinking oh she doesn't know she isn't going to have enought at the end of the year. So if anyone reads this be aware that Care Credit isn't the God send they make themselves out to be. DON'T TRUST CARE CREDIT ANY MORE THAN YOU WOULD TRUST XXXX, XXXX XXXX OR ANY OTHER CREDIT CARD. I have been working so hard to get rid of debt, I just paid off 2 credit cards with 26 % interest and now this, anymore here I feel like I'm walking uphill in quicksand.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX, AMEX : XXXX was a fraudulent account and paid in full still shows in my credit report. 

XXXX XXXXXXXX XXXX : Nothing is due account was closed long back still shows negative in my credit report. 

XXXX Credit card was a fraudulent charges was paid and cleared up still shows up in credit report XXXX XXXX XXXX Never used never asked for credit card and they are charging me? 

XXXX card fully paid and current shows potentially negative and late payment? 

XXXX XXXX : is in good standing and never late still shows in my credit report. 

XXXX XXXX : Product was returned and confirmed with vendor servicing XXXX, however they are still charging me and sent for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX/Navient and XXXX XXXX XXXX loans. My Navient loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I was never notified that this happened because I moved, nor was there any worries about making payments since XXXX XXXX approved a loan forbearance. I disputed with Navient that I had XXXX student loans in forbearance and XXXX XXXX placed them in forbearance as well ; yet, when XXXX XXXX sold loans to Navient, Navient did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance XXXX Declaration.pdf for forbearance dates that XXXX XXXX agreed to honor ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at Navient on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of my XXXX and XXXX report for reference. **Update : I reviewed my credit report and the Charge-Off in XX/XX/XXXX seems to have fallen off ; however, as retaliation XXXX has reported a " Failed to Pay '' in XX/XX/XXXX. The account was consolidated and XXXX was Paid in XX/XX/XXXX. Also, this is the same dispute I have with XXXX XXXX XXXX. I have attached their response ( XXXX Response.pdf ) for reference. Please note the XX/XX/XXXX date that XXXX has been reporting delinquent, but was not the account holder until XX/XX/XXXX.
Product: Credit reporting

Our 2nd mtg was late in XXXX 2006, because this is over 7 years it should be removed from our credit reports. The 2nd mtg was sold several times. The first account with XXXX is the acct that was late in 2006 and then when it was sold back to them it had a new account number but they are deleting the account. See attached documents
Product: Debt collection

Upon calling Procollect XXXX XXXX used offensive language and rude tactics, refused to provide payoff options, and attempted to force me to pay the debt100 % in full refusing to provide and information about the debt owed. He stated that he didn't give a XXXX about my circumstances or divorce and hung up on me. Upon calling back and for 2nd time asking to speak with some one in management, XXXX then told me I was asking to many questions. Stated he's not hear to answer my questions and to pay the XXXX debt. He then hung up on me a 2nd time. Ultimately. XXXX blocked my ability to pay the debt. Upon calling back the receptionist stated she could no longer see the file and insisted that the only I could talk to someone about the debt would be to email XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So I decided to pull my report and I noticed accounts that are not mine. 
XXXX {$300.00} XXXX {$270.00} XXXX {$29000.00} XXXX {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my Consumer Report account, and I would like to unfreeze my Consumer Report but I can't get in contact with anyone at Transunion