23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was offered a plan to reduce my interest and lower my payments. When I enrolled in the program multiple agents told me that after 3 consecutive payments, my account would be current and my minimum due would revert back to 1 month owed. After 3 months I was told over and over by agents that it would be reflected next month. This went on for 3 months. Finally Discover admitted that even though multiple agents had promised this, they were not going to honor it. I attempted to file complaints and speak to management and the only person they would let me speak to is a customer service supervisor. These conversations ( both text and call ) are recorded.
Product: Credit card

This is regarding my credit card issued by Goldman Sachs for Apple. 

I have an installment plan for an XXXX I purchased to be paid over 12 months. So far XXXX is paid and remaining balance is XXXX. On top of installment balance, I will be making purchases and am making statement balance payments either fully or keep some balance for next month depending on the situation, in which chase I pay some interest. 

Last month I received a refund of XXXX from a vendor, which resulted in a positive balance of XXXX after covering my purchases thus far other than installment balance. Goldman Sachs refuses to give me that money as refund. When I called, the answer I got was that since I got some balance ( installment balance of XXXX ), they are saying they don't want to refund my money. They will keep it and pay towards future purchases. 

Please help me get my refund, as Apple is not trying to resolve this issue.
Product: Debt collection

Im writing about Conns. I took out a loan to buy a product from their store in XXXX. I made the first two payments and then had a significant change in income. Since XXXX they have called me no less than ten times each day including weekends from 44 different phone numbers. Today alone I received 13 calls from 6 different numbers. I also receive multiple emails each day. I have explained the situation and have asked them to stop and assured them that I would pay when I am able but the relentless pursuit continues.
Product: Debt collection

As of XX/XX/XXXX, this debt was paid directly with the original creditor. I have reached out to the organization requesting assistance. I was told they could not assist me because I was not paying them directly. In fact according to the amount the company representative indicated I owe shows I have made overpayment and am due a refund. They show no payments since XXXX and were unwilling to follow up stating the company takes 120 days to report a payment, at this rate it would be years before this debt would show paid in full. 
If I am paying, why won't anyone help to satisfy what is owed, is it because DNF is not receiving any money for receiving payments from me. This is inappropriate business practices.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I recently received a letter notifying me that all my bank accounts and credit cards with XXXX are scheduled to be closed on XX/XX/XXXX without a stated reason. I believe this decision may be related to a deposit made into my account on XX/XX/XXXX. 

On XX/XX/XXXX, my roommate deposited a returned check issued by XXXX for approximately {$10000.00} into my account. At that time, he did not have an account with XXXX, making it impossible for him to deposit the check himself. When we visited the branch, the cashier presented us with XXXX options : to cash out the check or deposit it into my account. However, no potential riskssuch as the possibility of my account being flagged or closedwere disclosed to us. Cashing out such a large amount was not a safe option, and because the check was issued by XXXX, I believed the funds to be legitimate and clean. Based on this understanding, we proceeded with depositing the check into my account. 

XXXXXXXX XXXX later, I received a letter informing me that my accounts and credit cards would be closed on XX/XX/XXXX, again without providing a specific reason. After receiving this letter, I contacted the branch to file a complaint and seek clarification. Unfortunately, I was informed that the decision had already been made and could not be reversed. Furthermore, I was advised that I would not be able to reopen my accounts after their closure. I also called customer support to inquire further, but they were unable to provide any explanation for the closure as well. 

I strongly believe that this decision is related to the transaction made at the branch, as I have always managed my accounts and credit cards responsibly and carefully. I have consistently paid my credit card balances in full and on time, avoided any suspicious activity, and maintained an excellent credit history. 

I would like to provide anything to support my claims if needed, including statements or receipts. Thank you.
Product: Mortgage

Dear SPS, We purchased a home and through title office paid off the seller 's mortgage serviced by SPS who accepted funds matching XXXX XXXX. The following week, SPS later conducted an illegal foreclosure. We have been told through our title company that the Foreclosure XXXX has unwound that foreclosure but as of this writing we have no proof of that ). As buyers, we were also pressured after closing to pay $ XXXX additional above and beyond the seller 's payoff statement or they would return our payoff wire and keep a much larger amount from the highest bidder at foreclosure auction. 

Below are the relevant facts : SPS Servicing refused to provide payoff statement to borrower good through the foreclosure date as required by Texas law despite repeated requests beginning 14 days in advance. 

SPS refused to provide breakdown of $ XXXX escrow impound. 

SPS conducts the auction after they have accepted payoff funds in the amount of XXXX payoff and the deed is recorded. 

Despite also declaring at the auction that the payoff opening/credit bid was $ XXXX same as XXXX payoff, SPS then threatens to return the $ XXXX payoff and keep the $ XXXX winning bid unless we increased our $ XXXX to $ XXXX by immediately sending {$4800.00} Additional funds had to come from the buyer by that point. Below is a summary of the relevant facts to this illegal foreclosure : XX/XX/XXXX Property under contract XX/XX/XXXX Phone call to SPS Servicing w/Seller and Buyer to request Payoff, Reinstatement Good thru XXXX XX/XX/XXXX Received $ XXXX Payoff Statement but is only good thru XXXX. SPS is requested to provide GT XXXX XX/XX/XXXX XXXX XXXX XXXX form sent to SPS again requesting payoff valid thru XXXX Also requesting breakdown of $ XXXX Escrow impound part of payoff statement XXXX Various calls to SPS for payoff GT XXXX. Despite submittal of XXXX XXXX XXXX, SPS refuses to discuss or provide information XX/XX/XXXX Buyers and Sellers sign/notarize closing docs XXXX early morning lender sends funds to Title XXXX afternoon Title sends funds to SPS XXXX SPS Receives XXXX Funds XXXX Deed and Deed of Trust Recorded XXXX XXXX Clerk XXXX Foreclosure Trustee Auctions off the house anyway declaring opening bid of $ XXXX XXXX Seller has spent {$400.00} to date in various rent application fees and being denied largely bc of foreclosure auction XXXX SPS claims the payoff increased in one day XX/XX/XXXX by $ XXXX to $ XXXX for property insurance. Suggests if we dont pay immediately they could return the $ XXXX and move forward selling to bidder at auction for $ XXXX XXXX Buyer through its lender wires an additional {$4800.00} to SPS XX/XX/XXXX SPS confirms receipt of funds and advises foreclosure trustee of receipt of funds While our Title company assures us that the illegal foreclosure has been unwound, the seller still has nothing to mitigate against reputational damage and is therefore unable to obtain approval to obtain housing. 

Buyer is out the additional {$4800.00}. Buyer also can not take possession of property until seller is able to get Landlord approval beings denied due to illegal foreclosure.
Product: Debt collection

The Debt Was Paid. Total of {$350.00}. XXXX has sent letter stating PAid -in-Full. 
Equifax, and other agenices continue to report the bad debt.! 

PLEASE HAVE AGENCIES REMOVE THE LINE THAT STATES DEBT IS STILL OUTSTANDING COMPLETELY.!
Product: Checking or savings account

On Saturday, XXXX XXXX, 2017, Chase Bank closed my college student checkings account with them. I had a XXXX XXXX XXXX dollars remaining in the account ( thus a positive balance ). When my card declined I called chase to inquire and they informed me that the my account was closed, the decision was final and I would be unable to utilize their services ever again. They deemed my account unsustainable and a liability. I then spoke to the bank teller I had worked with since I first opened my account and she tried to inquire more and was informed that the legal team for chase reviewed the decision and deemed it final. I called chase several more times and these times they refused to provide a reason as to why my account was closed. This action caused me to be unable to pay certain bills on time and incur fees. They closed my account for no reason, refused to provide explanation and the inability to access my money cost me more money. I ended up receiving a check with my remaining balance however a couple of weeks later.
Product: Credit card or prepaid card

I am demanding information on why my credit card account has been closed. I have in good faint been using my navy federal card. 
Pursuant 15 usc 1602 ( p ) this is unauthorized use of my credit card which is my social security card. 

I did give any authorization to navy federal to close this credit card account which i have extended credit to. 
I am demanding that my credit card account be reopened
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX discharged my student loans and directed XXXX to remove my student loans from my credit reports. However, when I contacted XXXX they stated they do not service my loans and have no information on the loans. I contacted XXXX and XXXX informed me XXXX does service the loans but on the back end. I informed XXXX of this information and was told to submit a dispute through the credit bureau. When I did this the credit bureau stated that the creditor verified the information as correct and therefore refused to remove the information from my credit reports despite me giving them the letter from XXXX stating I am no longer responsible for the loan per its response to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX pulled my credit from Bank Of America after they were told several times not to and they assured me they would not. 
I spoke with the sales/financial manager XXXX and he stated they made a mistake but it was no way for them to remove it unless I disputed and they would not contest. I sent XXXX XXXX a letter on XX/XX/2022 as well, during that time asking them to remove both inquires because I received a inquire from XXXX XXXX XXXX Bank of America because of it. App # XXXX & App # XXXX. Please remove any inquires from XXXX XXXX XXXX Bank of America because of this issue.
Product: Credit reporting or other personal consumer reports

" I am reporting unauthorized charges made by XXXX XXXX on my credit card accounts with XXXX XXXX, [ Other Credit Card Name ( s ) ], which have negatively impacted my credit score, despite my efforts to dispute and resolve the issue. '' XXXX ) Account Info Account Name XXXX XXXX Account Number XXXX Account Type Credit card XXXX ) Account Info Account Name XXXX XXXX Account Number XXXX Account Type Credit card XXXX ) Account Info Account Name XXXX XXXX Account Number XXXX Account Type Credit card XXXX ) Account Info Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Credit card Urgent Request for Investigation into Unauthorized Credit Card Use Dear SIR, I am writing to seek immediate assistance regarding unauthorized transactions made on my credit cards after my wallet was stolen. These unauthorized charges, made without my knowledge or consent, have severely damaged my XXXX XXXX and affected my life profoundly. 

I have already reported the theft and disputed the charges with both the credit card companies and credit reporting agencies. However, the issue remains unresolved. I can not understand how these transactions occurred or why I am being held accountable for charges I did not authorize. 

This situation has caused me significant emotional and financial distress. I urgently request a full investigation into how my cards were used without authorization and a resolution to remove these charges from my accounts. 

I am pleading for your help to rectify this matter. Please treat this as a priority, as it has significantly affected my ability to manage my finances and maintain stability. 

Thank you for your immediate attention to this urgent issue. I look forward to hearing from you soon. OTHERWISE I HAVE NO WAY TO PAY THEM OFF OR I WILL NOT BE ALIVE ANYMORE BECAUSE OF THIS FRUSTRATION. I NEED MYSELF TO BE OUT OF THIS AT ANY COST. I HAVE TRIED TO COMPLAINT BUT NO ONE IS RESOLVING MY ISSUE. PLEASE PLEASE PLEASE FOR XXXX SAKE, HELP ME. 

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

I sent a letter to this company on XX/XX/2020 disputing unknown and incorrect items listed on my credit report. As of today, XX/XX/2020, I still have not received any response and I feel that they are taking advantage of me and not adhering to the law. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted right away. I am requesting help from the CFPB with this company in order to have these unknown accounts deleted immediately. If the company does not comply even with help from the CFPB, I will file for litigation regarding the stress and pain this situation has caused me. I also informed these companies that my information was impacted by the recent Equifax data breach and I suspect this contributed to inaccurate items on my report.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I filed a dispute with TransUnion regarding an unknown account appearing on my credit report. I recently received the results of TransUnion 's investigation stating that the account is still listed under " Adverse Accounts '' on my credit report. Today, I called the creditor, and they have no record of my social security number in their system. Obviously, this account does not belong to me, and yet TransUnion has failed to remove it from my report. Moreover, TransUnion states that this " Adverse Account '' will not be removed from my report for seven years! 

This is not the first problem I have experienced with TransUnion. TransUnion also made reporting errors against my social security number on two other occasions : ( 1 ) 6 years ago, TransUnion listed an unknown-to-me individual as an additional name on my report. That report included not only a name, but also a full address and at least 3 adverse accounts. I disputed the report, and the information was removed. I thought the matter was closed. 
( 2 XXXX Last fall, TransUnion again allowed an adverse account listing to be placed against me. This was due to the SAME unknown-to-me individual as in ( XXXX ). Because of that error, I began receiving robotcall from a collections agency. Since I have been flooded with so many other robotcalls coming to my phone, I initially thought it was a scam. 

As a result of error ( XXXX ), I pulled my credit report, and I discovered incorrect phone numbers and the same incorrect address from ( XXXX ) were again listed on my credit report, so I went to the police. They concluded that it was a clerical error, and they said that someone had transposed the middle two digits of another person 's SS #, causing the mixup. 

I have no idea why or how this latest " Adverse Account '' was opened, and the irony is that it was opened two days after I put a fraud alert on my credit. ( That obviously did not help. ) I am at a loss for why TransUnion has made so many mistakes and I do not understand why this latest investigation was labeled " complete '', when the creditor does not even have my social security number in their system. 

This is completely unacceptable. TransUnion appears to have no clear process of identifying errors such as these. Their clerical issues have adversely affected my productivity, and I have spent untold hours trying to get resolution. There is zero protection to the consumer. 

TransUnion 's most recent letter states that I " may add a XXXX statement '' to my report. This is unacceptable. The adverse account that does not belong to me should be removed. I have not received a fair resolution. 

Thank you for your assistance.
Product: Credit card or prepaid card

The company is XXXX Fs. I have XXXX credit cards with them. The oldest being XXXX XXXX XXXX I believe. I have lived at the same address for XXXX XXXX. Somehow they allowed for my address to be changed on all XXXX cards. I was also locked out if my online accounts. I attempted to reach out to the company. I was told to send them a copy of my drivers licenses through the mail to verify my address. They refuse to verify me by any other means. Like phone dob ssn and so on. I have been dealing with this for awhile now. I have no access to cancel the cards or to even pay for the cards. The problem also comes in that I have no access to get statements and the balances are higher than they should be. They will not review any info on the charges with me. So while Im waiting for them to review my driver licenses they keep wracking up fees. This is completely not ok.
Product: Bank account or service

I was trying to open a bank account at Bank of American but the banker told me that I ca n't open bank account at Bank of American because they said I abuse an account that I had. At that moment I was confuse because I have never open account at Bank of American before I was a victim of identity theft before I had fraud on my credit report. So I had to go to my local police station to file a police report that day so I need this bank to do a investigation on who open this account without my authority Bank of American told me I can never open a bank account never in life because of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I filed a police report and theft affidavit. The bureaus have not removed and blocked the fraudulent information.
Product: Debt collection

CCS Collections is reporting a XXXX XXXX debt on my credit report. I do not owe any debt to XXXX. This is just harassment at this point. I have no involvement with CCS. I have no interest in their company policies or industry standards. There is no law requiring this account to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I sent Wells Fargo Dealer Services a letter requesting validation of a trade line that is appearing on my credit ... The trade line has yet to been verified as well as it is reporting incorrect information ... On XXXX there is no responsibility listed, No date of last payment, No estimated removal date, Missing account history, date payment received and scheduled payment ... There is also no actual amount paid listed nor the first date of delinquent payment ... Lastly it has yet to be put in dispute which is direct violation of the FCRA stating that all debt must be validated within 30 days or it has to be removed .... On XXXX it 's Missing the original creditor, the balance is missing, missing monthly payment, missing past due amount, as well as the high balance is missing..
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX  account # XXXX, Has violated My Rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account or accounts without written instructions or authorization.

15 U.S.C 166b A Creditor may not treat a payment or payments on a credit card account under an open and consumer credit plan as late for any reason. 

1. ( XXXX XXXX Bank ) AddressXXXX XXXX XXXXANK XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRY DATE- XX/XX/XXXX 2. ( XXXX XXXX  XXXX ) ADDRESS- XXXX XXXX XXXXXXXX XXXX NJ XXXX COMPANY # ( XXXX INQUIRY DATE- XX/XX/XXXX 3. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX COMPANY # ( XXXX ) INQUIRY DATE- XX/XX/XXXX 4. ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX IA XXXX INQUIRY DATE- XX/XX/XXXX 5. ( XXXX XXXX XXXX ADDRESS- XXXX XXXX XXXX XXXX XXXX DE XXXX COMPANY # ( XXXX ) XXXX INQUIRY DATE- XX/XX/XXXX 6. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : XXXX ACCOUNT # XXXX