23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had an account with Capital One Bank, for a Capital One Platinum secured card. I had the card for about ( 4 ) months, but I decided to close the account because every time I made payments, Capital One would 1 ) Accept my payment 2 ) take money out of my bank account with XXXX XXXX XXXX 3 ) then put a " hold '' on my credit card. I would have to get a representative with Capital One to call XXXX XXXX XXXX while I was on hold to do a 3 way call, this was very time consuming and cost me a lot of time and money so I closed the account. Anyway ... The reason why I am filing this complaint : I paid a {$200.00} security deposit on this particular account, and Capital One wont give it back!!!! It is a security deposit. I have never been late on this account. Ive always paid my balances in full every month. Ive never missed a payment. Capital One won't give my money back!!! This isn't the first time they've done this to me. I dont owe them any money, I have copies of all my statements. Years ago, I had another card with them, they did the same thing but I owed a balance and they put charge offs on my credit report ... but they still held my security deposit! They didnt just apply those charges to my security deposit, and refund me the rest like any other company would do. Capital One needs to understand ... a security deposit is a liability .... it is not their money! They have to return security deposits if their customers show good faith and have exercised good habits during the course of their business relationship. {$200.00} means a lot to me, it may not mean anything to Capital One, but this is my money not theirs!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to Experian, XXXX and XXXX about Hard inquiries that I did not recognized. I sent in a dispute letters in XX/XX/XXXX via priority mail. ( I will attach tracking number below ) to each Credit bureau and did NOT receive a letter, call or any explanation of why the inquiries can not be removed. I did call to see if they received it and they said they did. I called in XX/XX/XXXX and they did not give me any details of anything but, even if they did it was past the time they were supposed to get back to me within the 30 to 45 day period and I still have not received or heard anything from the credit bureau. I have 5 hard inquiries I do not recognize and I did not approve any hard inquiry for them to use. I did not give any permission for this and I do NOT have any accounts that I pay with these companies and they should be removed. These are the accounts below with the hard inquiries. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to Capital One via certified mail on XXXX separate occasions, requesting creditor disclosure statements on the final letter regarding the account ending in XXXX. Each time, Capital One has failed to respond within the appropriate time frame, effectively defaulting on their obligation to provide the requested information. My final letter, sent on XX/XX/year>, served as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 1692g. In this letter, I demanded that Capital One cease and desist from further payments until they provided the requested creditor disclosure statements. Additionally, I warned that failure to comply and any negative marks on my credit report would prompt me to take further legal action. 

Despite these communications, Capital Ones responses were either late or nonexistent. When I contacted the agency by phone, they claimed to have no record of the letters they sent in response and no data about the matter, despite my efforts to address the issue both by mail and verbally. Their disregard for my requests, along with their failure to provide the disclosure statements as required, has resulted in continued commercial fraud, in violation of federal law.
Product: Consumer Loan

XX/XX/XXXX, we have contacted Chase at the auto service line XXXX, had numerous conversations with customer specialist to obtain duplicate copy of the title for our paid off auto loan from XX/XX/XXXX. Without the pink slip/title, we are unable to sell or get rid of the car. There were so many back and forth with the customer service line, them telling us one thing after another, and nothing really being resolved. They kept mentioning about California State being complicating and finally gave me a name. With that, Chase representative told us to fax the request and we did to the specific fax line on XXXX/XXXX/XXXX and have never heard anything back. 
We now have a ticket from the police to fix the license plate for the car, but we are stuck because we can not get the plate ordered through the DMV due to pending of this title. Chase needs to provide the pink slip or the release of title. They have failed to follow through on numerous occasion. Even though this is a closed account/loan, they have the responsibility to provide all the necessary documents to release the the title and resolve this with DMV ( department of motor vehicle ).
Product: Student loan

MOHELA has utterly neglected its duties as a servicer on two fronts : 1 ) failure to send me a letter confirming closure of my previous ( non-federal ) student loan account with them after I paid off those loans, and 2 ) failure to make its website and its phone lines operational and accessible to address problems for those who have federal student loans that MOHELA is now in charge of servicing. 

From approximately XXXX through XX/XX/XXXX, I had loans held by MOHELA due to my XXXX attendance at XXXX XXXX in Missouri. I paid off those loans in full ( in the amount of {$4500.00} ) on XX/XX/XXXX. Yet I have not received a letter or any other communication verifying that that account is closed. Fortunately, I printed out the receipt confirmation for my records, and an alert on my credit report says an account has been closed. But MOHELA has failed to send me any letter reflecting this, and that is unacceptable. 

Moreover, since my federal loans transferred from XXXX to MOHELA, I have been completely unable to view any of my info on MOHELA. The site won't let me go beyond logging in, despite all my troubleshooting. The site also won't allow me to create a new MOHELA account to view my federally-held student loans. To clear up this problem, I tried calling MOHELA 's helpline at least five times over the last month ( since XX/XX/XXXX ) and encountered wait times ranging from 100 to 125 minutes in each instance. No one answered even after I waited the entire 100+ minutes. I was curious about whether this problem was common and decided to do some digging ; I found dozens of XXXX threads of people experiencing the same unbelievable wait times and inability to reach a human being at MOHELA. Wait times of over 100 minutes are beyond ridiculous. What will happen once the debt cancellation application opens and I'm still unable to access MOHELA 's site and helpline? What will happen to millions of others like me?

In summary, MOHELA has failed in its duties as a servicer : 1 ) failure to send a letter confirming closure of my previous student loan account with them after I paid off those loans, and 2 ) failure to make its website and its phone lines operational to address problems with access for those who have federal student loans now serviced by MOHELA. This is beyond outrageous, and the CFPB has a responsibility to take action to protect millions of borrowers like me from MOHELA 's unscrupulous behavior.
Product: Debt collection

XXXX Systems XXXX XXXX 

This collection agency took the debt over of my military start card. On XX/XX/XXXX, XXXX rec 'd a letter informing me the debt was {$13000.00} and a monthly payment of {$570.00} as agreed on would come out of my bank for XXXX XXXX which would equal {$13000.00}. This is more than the debt on the payment notice. On the account summary from Military star card, on XX/XX/XXXX the debt was listed as {$10000.00}. I rec 'd a copy of account summary on XX/XX/XXXX as i had been locked out of the military star account and started noticing discrepancies b/w the military star monthly statement and the XXXX monthly account statement. When I called in XX/XX/XXXX to verify the payment plan had stopped, I was informed I still owed {$8400.00}, and the XXXX payment plan was just the length they can set payments up and the amount is more because they charge fees and there is interest added. I agreed to start paying {$1200.00} to get this paid in full. However, I started noticing each statement from the military star card had different amount owned than the statement from XXXX. Again, I called and was told this is due to interest and their fees and the debt can change at any time. I did request during that call an account summary. As of XX/XX/XXXX military star card statement reports the debt as {$3400.00} and XXXX statement reports the debt as {$4000.00} which went up from the amount, they reported in the phone call which was $ {$4000.00} still owed per XXXX. As of date, I have paid this company {$15000.00} well over the original debt told to me and they have me still owing {$4000.00}. I have all of the documentation and bank statements. Additional files upon request.
Product: Debt collection

nd where did they get the figure its a very general letter no specifics the debt collectors name XXXX XXXX the company is Portfolio recovery associates llc the amount from what i can see is for XXXX dollars USA currency
Product: Credit card

I am not sure this applies but here is what happened ... 

Today I made a reservation through XXXX for a hotel room in XXXX XXXX, CA. I entered the wrong date and realized my mistake within XXXX minutes and called XXXX to see about a date change. The room was originally XXXX and they wanted an additional XXXX to change the date ( this included the XXXX date change and the rest is the penalty fee ). 

I went back and looked and of course in the small print it says no changes but I did not notice that while make the reservation. It just seems a bit steep to charge XXXX to change the date of a reservation XXXX minutes after making it. Any help would be great or at least put others on notice so they do not fall for the same thing! 

XXXX XXXX
Product: Debt collection

Portfolio Recovery is trying to collect debt from me but all they have is my name, they Social security they gave me is not mine and end in XXXX or something. 
I need them to remove it from my account as it 's not mine and they report false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX accounts have never returned to me that the account belongs to me, I believe my privacy rights have been violated. This derogatory information has hindered me receiving housing. 

XXXXXXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

On XX/XX/XXXX i was contacted by Tele recovery about a dept for back in XX/XX/XXXX. its been a while back and i have no records to verify this. the guy i talked was being an XXXX about collecting, i told him i could pay {$15.00} a month he said i could not do that and hung up. well i did not want to XXXX up my credit. i checked my credit report and found out they the collection company already hit it hard and i lost about 40 pts. so i called back today and talked to the supervisor she said i could make payments but they would not send me a bill or help me track payments. so i asked about how and why they hit my credit before even contacting me to even make sure i was the right person who had the dept, she gave no answer to this. so i ask her will they talk to XX/XX/XXXX and restore my credit score, she said they would not. she did say they would give a letter to me stating it was paid. i know they will only restore 2 or 3 points. 
how is this fair? how can they XXXX me like this before talking to me and verifing me or even giving me a chance to pay them.
Product: Checking or savings account

On XX/XX/24 I contacted Navy federal about my card being lost. I explained to them I didnt know that that card was lost with my phone in my phone wallet case until I tried to pay a bill on XX/XX/24. The representative helped me start a dispute process for the unauthorized charges. Ok so a week went past and I called to check the status of the dispute. They told me that they denied my dispute that following next day after they put it in. So they never investigated the transactions they just denied my claim on XX/XX/24. I have been emotionally distressed from this Ive lost my car and phone was turned of due to their negligence of not investigating. If they dont reopen it and do a full investigation im going to have to take legal action.
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debit from me. I get it, I owe them money. My complaint is how they are attempting to collect. They are calling my family and providing information on accounts that are not listed on. Today XXXX XXXX from XXXX XXXX XXXX called my wife while she was at work and began providing information about my account without verification. XXXX XXXX provided the bank 's name, the account name that was delinquent, the amount of debit, and how many payments the account is behind to my wife. My wife and I keep our accounts separated and my wife was not aware of any of the information provided. 

This is the second time that XXXX XXXX XXXX has called my wife at work and my wife has already told XXXX XXXX XXXX to delete her work phone number from their system. It was my understanding that creditors can call family but can have their numbers removed especially if that number is a work number and the employer does not approve of such calls. 

I am concerned that they will be calling additional family members and providing similar information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX Ireviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correctspelling in my name ( XXXX XXXX is not my name, please delete ) I have to start areinvestigation on my file I see addresses and phone numbers that are not mine. I do notlive at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX The following phone numbersare not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need itdone or somehow corrected. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I amrequesting some accommodations so I care to protect the integrity of my credit file.SYNCB/CARE CREDIT # XXXX account is reporting 30,60 DAYS LATEsinceXXXX,XXXX,XXXX,XXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Checking or savings account

Since XX/XX/2023 I've randomly had my overdraft taken away for no reason and my account has been in good standing. My bank hasnt told me as to why they are stopping my overdraft.
Product: Debt collection

Complaint Against : Wells Fargo XXXX Wells Fargo Home Mortgage XXXX XXXX, IA XXXX Re : Purported Loan # XXXX Wells  sent the following : As a result of at least one bankruptcy case filing that included the below referenced account, Wells Fargo Home Mortgage is NOT attempting in any way to violate any provision of the United States Bankruptcy Code or to collect a debt ( deficiency or otherwise ) from any customer ( s ) who is impacted by an active bankruptcy case or has received a discharge, where the account was not otherwise reaffirmed or accepted from discharge. THIS IS NOT A BILL OR A REQUEST FOR PAYMENT AS TO THESE CUSTOMERS. However, that is exactly what they are doing. 

My loan was not transferred to Wells Fargo at any time, and therefor, I have no idea why you are even involved with my loan. My Note is not with Wells Fargo. My Note never transferred to Wells Fargo. My Note was not an asset that was included in the purchase / merger between Wachovia and Wells Fargo.My Note is with World Savings Bank and has always been with World Savings Bank. The evidence is that my Note is a non-negotiable note and can never transfer from World Savings to Wachovia XXXX XXXX If there was a transfer of my Note, as a non-negotiable note, a specific indorsement is required and it will not be transferred by possession alone. 

The Party with the perfected lien on the property was then and is now World Savings Bank XXXX. There is no evidence of a transfer of the mortgage ; and no assignments of any kind are recorded. Wachovia " merged '' with the purchase of stock by Wells Fargo XXXX, the connection between Wells and Wachovia is a PURCHASE by Wells holding company 's corporate office with the holding company of Wachovia and was subject to the North Carolina Bulk Sales Act at the time. 

Be aware, this loan was discharged against the borrower in a XXXX  XXXX Bankruptcy. As there are no payments required to be made by the borrower, there can never be a payment default by the borrower ever again. This would be an actionable event by the borrower against Wells that is punishable by up to {$500000.00} in fines and jail time to representatives from Wells Fargo for violating the Bankruptcy Discharge Injunction. 
Wells Fargo is not now, and has never been a secured creditor on this property. 

I am waiting for complete acknowledement of this communication within the 30 day required time frame.During this time, please refrain from any requests for payment or expectation of collection of the collateral that belongs to World Savings Bank
Product: Checking or savings account

I call capital one 360 on XX/XX/XXXX to make them aware that someone got a hold of my checking account information and my online information to sign into my account and they made a remote check deposit of XXXX from the XXXX XXXX. I got notified by email about the deposit to account XXXX and called on XX/XX/XXXX to report that someone was using my account/online account and just did a remote check deposit that was unauthorized. I was told the account would be closed and I new one would be opened and it never happened until early XXXX.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This bankruptcy should not be on my credit report i never filed bankruptcy
Product: Credit reporting or other personal consumer reports

XXXX XXXX equifax has been violating my consumer right i mailed them a certified letter notary letter on removing late payments due to XXXX XXXX which is a violation of 15 USC1681i ( a ) ( 7 ) on XX/XX/2024 TRACKING NUMBER XXXX under the cares act law i was granted a payment accommodation per Section 623 of the FCRA account has to now report as current. They have yet to respond or sent any updated credit response in reasonable 30 day time for the past 7 months i have all tracking receipts for these times im asking them to do what is by law and update my information to current.
Product: Student loan

Navient got my loans and told me I could be in forbearance for awhile three times. They tacked on more finance charges by the thousands three times already. And they hit it on my credit report separately for each loan. So my credit score goes way down every time I try to get it up. Then I read o ly teachers and such can only get forgiveness of loans so I dont even qualify. I was garnished for over 5 years with another company and all that money is wasted because navient just tacked on more and more money. I graduated in 2007 from XXXX and they didnt even help me find a job like they said they would. I am getting nowhere in life. I am XXXX years old now and cant even buy a house because they continue to destroy my credit. I still owe almost as much as I did when I started school
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried to do an " instant deposit '' for {$2600.00} from my Chase bank account to my XXXX account. The whole process was supposed to take no longer than 30 minutes to complete. Once I noticed the transaction was never completed, I reached out to XXXX and they informed me the transaction had expired. They suggested I reach out to my bank to notify them of the pending issue. After Calling Chase, they informed me that the transaction was still pending and to call back when the transaction was completed. The transfer for {$2600.00} was completed by chase on XX/XX/XXXX. Unfortunately, XXXX never received that transfer. I contacted chase to file a claim. the process started on XX/XX/XXXX. The bank asked me to allow 10 business days for the issue to be resolved. On XX/XX/XXXX I accessed my chase bank account and found two additional charges for {$2600.00} each from XXXX. I contacted chase to assist me with the new charges. Chase stated there was a glitch in their system and granted me a temporary reversal of {$5200.00} while they work on resolving that issue. 

As of XX/XX/XXXX the instant deposit for {$2600.00} has yet to be released to my Chase account or my XXXX account. Chase denied the claim and insisted it was a completed transaction that would need to be resolved with XXXX. After speaking to representatives at XXXX, they insist the transaction expired after XXXX minutes on XX/XX/XXXX. 

I have worked diligently with chase and XXXX to have this matter resolved. Neither company has been able to assist me and the money has yet to reach either account. 

The next steps are unclear because neither company has given me a resolution. If someone could please assist me with this matter, it would be greatly appreciated.