23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I just received a letter from Discover Student Loans with a check for {$25.00} intended to fulfill their obligations in the 2020 CFPB XXXX related to student loan servicing, but XXXX has not met the requirements set in the Consent. 

XXXX applied my loan pay-off payments incorrectly. My loans should have been paid-off, but due to the incorrect application of payments XXXX kept XXXX interest, sending letters, and damaging my XXXX XXXX with all known credit reporting agencies. I just checked my loans and there remains a loan in 'written off ' status, and this remains reported to credit agencies. 

I have attempted multiple times to fix this by contacting XXXX, but even though the representatives I speak to agree this shouldn't have happened no correction has been made. 

My best understanding is the the current check is intended to comply with XXXX in the 2020 XXXX. This does not meet the requirements for compensation XXXX must meet, as they need to provide compensation for additional sections/subsections in the consent.
Product: Bank account or service

While PayPal states : " PayPal Purchase Protection covers all your eligible transactions. So if your order is a no-show or does n't match the description, we 'll help you get a full refund. '' My item was a no-show and also did n't match the description of when it would arrive, yet I have had no luck with PayPal Customer Support. 

I filed XXXX separate transactions with PayPal over a month ago. I have spoken on the phone with PayPal Customer Support XXXX separate times about the disputed transaction, and am not getting anywhere with it. The seller has also quit responding to all of my emails. I am about to close my PayPal account, but am first waiting for a proper resolution.
Product: Debt collection

CFPB Complaint against Jefferson Capital Systems XXXX XXXX XXXX XXXX I XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX. Complaint Details Company Name : Jefferson Capital Systems Product : Debt Collection Issue : Debt Not Recognized / Verification of Debt Not Received XXXX. Narrative I am writing to file a complaint against Jefferson Capital Systems regardin a debt they are attempting to collect. I have not been previously informed of this debt and have not had an opportunity to dispute its validity. 
If Jefferson Capital Systems did send me a notification regarding this debt, I never received it. I request they provide a copy of the notification with a certified mail receipt shoing my signature as proof of delivery. 
Due to the lack of proper notification and the opportunity to dispute this debt, I believe Jefferson Capital Systems is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
IV. Request I request that Jefferson Capital Systems verify this debt and provide me with detailed documentation, including the original creditor, date of delinquency, and a breakdown of the charges. 
I request that Jefferson Capital Systems cease all communication regarding this debt until they can validate it and provide the requested documentation. 
If they canot validate the debt, I request that Jefferson Capital Systems delete it from my credit report. 
V. Additional Information ( ID and Proof of Address ) VI Private Attorney General ( PA ) Awareness Signature XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed a hard inquiry from AMEX on my credit report, even though I did not apply for any new credit card. This wasn't authorized by me, and I would like it to be removed from my credit report.
Product: Vehicle loan or lease

This is a complaint directed at my account rep for Mechanics bank ( CRB Auto ). The XXXX XXXX is abusive rude hateful and direspectful. I have repeatedly asked him to not contact me due to this matter and he still contacts me. I have reported these issues to the company multiple time and nothing has been done about it.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and there was inquiries that do not belong to me on there
Product: Vehicle loan or lease

I began a vehicle loan with Credit Acceptance aroundXX/XX/XXXX. I have never missed or been late on a payment. At the start of my agreement, the dealership setup my account with Credit Acceptance for auto pay ; The dealer entered the incorrect account numbers. I called credit acceptance consistently for 1 week to find out why the money had not been withdrawn from my checking account. Once they advised that the payment was returned I paid immediately using my debit card. InXX/XX/XXXX Credit Acceptance upgraded their website with actual account holder information ( previously you could only make payments and it was done through XXXX XXXX  ). With their upgrade, when I went online to make my monthly payment, it shows my balance being almost {$1000.00}. I was shocked and outraged, when I called Credit Acceptance to inquire what was happening, the rep ( who was really nice ) advised me that my account has been reporting past due from the very first payment and that I have accumulated a multitude of late fees. After our conversation, I immediately checked my credit score and it was decreased by 150 points. I am outraged!
Product: Checking or savings account

Contact initiated and successful XX/XX/XXXX and XX/XX/XXXX about a transaction from XXXX XXXX. The transaction is still pending on the cash app application. Cash app claims this hold can take up to 30 day, cash app has representatives including their supposed management replying to emails in script mode. I have communicated with cashapp via in-app, email and telephone. I have spoken to 2 non-supervisory employees. One of them whom sent me an email to provide the receipt to from the hotel that should include " Amount of the transaction or XXXX XXXXXXXX XXXX on the final bill - Date - Merchant contact info or logo '' When asked why I should be going through this for cashapp to release my own money to me, they claimed the hotel has not released the funds.

After the XXXX  that includes this information was sent to
the requesting representative XXXX XXXX, the representative did not initiate the release. 

I also sent the XXXX  form to a " manager '' named XXXX. He replied " My name is XXXX, and I am the manager at Cash App Support. Thank you for your patience while I reviewed your case to ensure accurate and correct information was provided by our team. 

XXXX XXXX placed a temporary hold on your Cash App Card for {$50.00} on XX/XX/XXXX, and the payment is still pending.

These hold should drop off by end of day XX/XX/XXXX if not completed. We are unable to expedite cancellation, but you are welcome to reach out to the merchant directly.

If the merchant is not able to resolve this issue on their end, we can investigate further if the transaction is still pending after 30 days.

If the funds are released by the merchant, they will be added to your balance.

Kind Regards, XXXX Cash App Support Manager '' This reply is scripted.

I have been researching online, and cashapp has a history of this behavior to consumers when using the card at hotels. When consumers have used alternate cards, this never happens. Their balances are updated within the timeframe of up to 7 business days. This is the timeframe that XXXX informed me the hold would be released. Cash app lies to consumers about the holds referring us back to the companies, the companies provide the requested information to the consumer, the consumer provides the information to cashapp, and cashapp lies to the consumer again via a scripted message and respond to every message thereafter with an identical copy and paste script. On the forums of consumer complaints, cashapp holds funds for 30 day to collect any amount of interest on the transaction which is a bad business practice and makes me stressed about a cashless future in the usa. Because if cash app can hold consumer funds for 30 days and get away with it, then any company can do it. I will be telling everyone everywhere to uprise about this supposed cashless future because of experiences like this
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS REGARDING A XXXX/CITIBANK CARD ACCOUNT THAT WAS DISCOVERED EST. XX/XX/'17 SHOWING BEING REPORTED AS NEGATIVE ON ALL THREE CREDIT BUREAU ACCOUNTS OF MINE. THE ACCOUNT REPORTED IS LISTED AS " XXXX '', WHICH WOULD BE THE LAST XXXX OF THE FULL XXXX ACCOUNT. I DO NOT HAVE TE FULL ACCOUNT NUMBER.. 
In late XX/XX/2017, I contacted the FTC who advised me to send a certified mail letter to XXXX/Citibank that demanded XXXXhat they verify the validity of the account by providing a copy of my original signature for my examination and comparison. I made a mistake demanding the 7-day limit to comply, which should have been instead 30-days. However, the FTC said that it did not matter because XXXXCitibankwould know that if they failed or refused to comply within 30 days, then the regulations force the creditor to immediately .and permanently and completely purge/delete the reporting from all three credit bureaus. 

I also contacted all three credit bureaus rewarding this specific matter, but only XXXX XXXX has cooperated to delete the reporting. XXXX and XXXX only make the statements that " has been verified by creditor, but 'debtor ' disputes ''. That statement does nothing for me in a situation where the account should by FTC regulation have been long ago deleted. I've been fighting this for more than 150 days, much longer than the statuatorilyt required deletion after 30 days after XX/XX/2017 -- when XXXX/Citibank were notified by fax and certified mail.

See the several pages of PDF attachments with yellow my highlighted comments and clarifications.

THIS MATTER IS REALLY DAMAGING ME, AS I HAVE NO OTHER NEGATIVE CREDIT ISSUES, AND OTHERWISE QUITE A CLEAN, POSITIVE CREDIT REPORT. I AM ELDERLY, HAVE NOT FOR 10+ YEARS NEEDED TO USE CREDIT, BUT NOW HAVE A REASON TO DO SO -- -BUT XXXX/CITIBANK AND XXXX  AND XXXX  ARE SERIOUSLY IN MY WAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint ( # XXXX ) regarding Diversified Consultants, Inc. ( DCI ). DCI was reporting an {$88.00} debt of which i had never been notified or contacted. They did respond and agreed to remove this account from my credit file. Their response letter stated " DCI has  ceased collection efforts and closed the account in our office. A deletion request has been submitted to the credit bureau. '' On XX/XX/XXXX I received alerts from all 3 credit bureaus that DCI was again reporting this same account they said they would delete. 

Please see attached letter, from Compliance Analyst XXXX XXXX at DCI. This letter is DCI 's  response to my initial complaint ( # XXXX )
Product: Credit reporting or other personal consumer reports

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXXXXXX
Product: Checking or savings account

Opening an account was easy but unfortunately my checking account was inactive for 3 months due to my job was slow, when my job I worked for started picking up, my paycheck wasnt able to be direct deposit into the bank due to inactivity so it automatically closed and it took a week for thrn to send me a paper check. Sure was a waste of time.
Product: Credit card or prepaid card

On the XXXX th of XX/XX/2023 I called customer service at Best Buy Citi bank to get my balance of 2 transactions I made so I could pay them off before moving to XXXX  knowing that there was not a Best Buy where we are moving too and I like to pay my bills in person and in cash They gave me the amount my husband gave me the amount they told me I got in the car drove to the nearest bust buy near me that Ive made payments before but not often being that i dont charge that often before that 2 transactions I had not charged on this card before XXXX and these charges were made in XXXX got into the store started to take my cash out of my bag I brought it into and the cashier started helping put them by hundreds after getting the amount I needed to pay for the 2 transactions made she counted it once after she counted it she called another of her team mates over at the store and he counted it as they were both in agreement and 1 that it was the amounts I needed to pay for the 2 transaction made I confirmed on the screen at the register the same amount the lady cashier put some of the money in her drawer and the man cashier put some in a looked like a bank bag of some sort and put money in there and walked away as I heard from the lady cashier she said isnt that going to make me short he told her no I asked them is everything ok they said yes I was given a receipt for the amount I paid the amount owed per customer service per transactions made and verified by both cashiers I left the store with my receipt in hand On the XXXX th of XXXX I received a call from Citi bank that I was in collections I started to investigate this why I was in collections started a dispute process As I had my receipt of the amount paid Same amount owed token in the store to pay the amount of the transactions made on the card as nothing was charged before or after I knew there was a problem I came back to the area where I paid my bill in XXXX to finish up some things and being that I was near the store and knew theres was a problem and Suggested by Citi bank to bring it up with the store I went to do that after several phone calls and 2 visits to the store the general manager is saying that isnt the amount I paid the amount on my receipt That my receipt is not valid and if I persist in the manner he would do charges of fraud on my behalf I think this is terrible I went in to the store to pay my bill mind you early the statement was not out yet 3 counts of the money by me and 2 cashiers confirmed on the screen at the store and I am treated like this
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score of numerous accounts on my credit. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting

Per Equifax reinvestigation confirmation dated XX/XX/XXXX, Equifax has provided my information to XXXX XXXX, XXXX, and XXXX without my permission and authorization. I did not file a dispute concerning these XXXX companies. I do n't have an active account with XXXX XXXX. I have never had a XXXX account. I do have an account with XXXX, but I do n't have any disputes regarding my XXXX account. It hasnothing to do with my account Equifax dispute. Also, per this confirmation, Equifax has removed my home address from my credit file. I did not dispute my address and Equifax has refused to tell me why they removed my home address. Equifax requested a copy of a bill showing my home address. I provided Equifax with copies of my current XXXX XXXX XXXX bills in order to restore my home address as the 1st previous address on my credit file. My PO Box address is listed as the current address. My issue with Equifax began with a fraudulent inquiry from XXXX XXXX XXXX. Following my request that Equifax remove thefraudulent inquire, Equifax has continued to escalate the issue by removing my home address and now sending my information to XXXX more companies. I have contacted Equifax via telephone numerous times and by submitting numerous disputes. I have placed a security freeze on my credit file. As a result of the credit freeze, Equifax sent me a letter stating that they have received a new address and change of address request. I do not have a new address and I did not submit a change of address. Equifax is referring to my PO Box as a new address. My PO Box has been on my Equifax file since XX/XX/XXXX. It is not new. I have attached a copy of the confirmations dated XX/XX/XXXX and XX/XX/XXXX, along with a copy of the change of address notification that I received. This is beyond ridiculous! 

I want to know what information was provided to XXXX XXXX, XXXX, and XXXX. I want a copy of the documents that were provided to each of them. I want to knowwhy my information was provided to these XXXX companies. I want my home address restored as the 1st previous address on my credit file as it was on my Equifax XXXX dated XX/XX/XXXX and prior. I want a correct copy of my Equifax credit file that includes my physical home address as the 1st previous address.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> 2023
Product: Student loan

My loan was in deferment while in graduate school. When I spoke with a Navient representative they told me my new amount with an IDR payment plan when I reapplied would be about {$400.00}. I received an email saying my new amount due is {$560.00}. I received no paperwork/documents on what payment plan I was on and how this amount was calculated. I still have not received any of this information.   On  XXXX   XXXX  at  XXXX    XXXX   MST, I called Navient and spoke with a customer service representative and I asked her which payment plan I had been placed on and why my payment was so high . ( This is more than my Mortgage ) Sh e told me to hold. She came back and said that she did not know how the amount was calculated and that when she ran the numbers the amount should be {$300.00}. She said she would put in a request to have the amount recalculated. I still have no information about the payment plan I have been placed on and they could not provide information to me this.
Product: Credit reporting, credit repair services, or other personal consumer reports

myEquifax Closed Accounts Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections generally stay on your Equifax credit report for up to 7 years from the date of first delinquency 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: Mortgage

I have been sick and I'm in a financial set back. I would like to lower my payments to a manageable amount to pay back what I owe and get the balance down on my house. I would like to eventually refinance my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX bank {$800.00} by has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. --
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX amount of {$9500.00} 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX of {$80.00}, XXXX XXXX XXXX, Account # XXXX, amount of {$1100.00}, XXXX XXXX. XXXXXXXX XXXX  XXXX, Account # XXXX, Amont of {$380.00}, 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 a account without my written instructions
Product: Credit card

I am receiving e-mail payment reminders and all my notifications are off, I do not want a payment reminder notification going to e-mail.
Product: Debt collection

I received numerous calls from XXXX XXXX XXXX. They are claiming that I owe money. I returned their call, and ask them 1. Who are you- 2. Who do you want to talk to. I received no response to my questions, but they just keep on calling. Also I said that if I owe money send me a letter and I will pay it-if I owe anything. Again no response. I am XXXX years old with a XXXX XXXX- and would like for them to tell me something or stop calling me.. If we are a nation of laws - then this abuse of their power must be stopped.. XXXX XXXX disconnected me- after they failed to justify why they were calling me..
Product: Credit card or prepaid card

I have a PNC Cash Rewards and I want to pay my bill via their online banking. 

One of the Alert options that I chose was " Payment Due '' thinking that this option is one where I get an email alert about making payment on an upcoming bill. 

However, I never received any alert on my upcoming bills. When I called them about it on XX/XX/2020, I was told that this Pa ) yment Due alert is an alert that I have missed a payment and that PNC does not have any alert of an upcoming bill! THIS IS INANE -- - WHAT IS THE POINT OF ALERTING A CUSTOMER IF THE PAYMENT WAS ALREADY DUE AND HE HAS MISSED THE PAYMENT AND PNC HAS SLAPPED A HEFTY FEE? 

I did not want a paper bill because this is not environment-friendly but because they can't alert me of an upcoming payment, I requested to be sent a paper bill so I am reminded that a bill is upcoming. This is an unforrtunate consequence of their nonsensical alert system. 

XXXX  XXXX XXXX has an alert for an upcoming payment so I don't see why PNC can not do the same. 

IT SHOULD BE A REQUIREMENT FOR BANKS THAT IF THE CUSTOMER OPTS FOR ONLINE BANKING, THEN THEY SHOULD ALERT THE CUSTOMER OF AN UPCOMIING PAYMENT, NOT A ( STUPID ) ALERT THAT THEY WERE LATE AND THAT THEY NEED TO MAKE A PAYMENT AND PAY T HEIR HEFTY FEES.. 
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