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

On XX/XX/XXXX, I purchased a new heat pump and labor and warranty services from a merchant, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, IN XXXX, ( XXXX ) XXXX. After attempts ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and requests with the merchant to providing warranty services to repair defects in the installation, I had to involve another company to fix the defects in installation which XXXX ultimately refused to investigate and remedy on XX/XX/XXXX. 

Chase has not provided me with any satisfactory resolution of my dispute and redispute ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) that this merchant did not provide all of the equipment, labor, and warranty services that were included in my original purchase. The amount of the original purchase price for all equipment, labor, and warranty services was {$2100.00}. The amount that I had to pay for the warranty services not provided by the merchant was {$1300.00}. This amount was paid to XXXX XXXX XXXX  XXXX XXXX and XXXX, XXXX . This amount of {$1300.00} is the ultimate amount that I am disputing was paid to this merchant services that were not provided. My disputes with Chase Visa were within the published time frame requirements for chargebacks to the merchant. Chase did not provide me with any information that they attempted to or did in fact correspond with the merchant regarding my dispute.
Product: Student loan

I have federal student loans through EdFinancial. I was previously enrolled in an income-based repayment plan, and was transferred to the SAVE plan. Not much information was shared and when I reached out with questions on whether I was properly enrolled in the plan and what was happening with interest accrual, I did not receive a response for 176 days. 

Since then, it seems to be functioning fine. However, I received notice on XX/XX/XXXX that the terms of my repayment are changing. There was no additional information provided on WHY the amount is changing, and no response when I contacted customer service. My EdFinancial account now indicates that my loans are in " Administrative Forbearance '' with the note " Awaiting Form Administrative Forbearance-Ends XX/XX/XXXX. '' I was never provided notice that the loans are in forbearance or any reason why this is the case. 

I have also been enrolled in autopay and have been granted the interest rate reduction since re-payement restarted. However, my account now states that the interest rate reduction is " suspended. '' I am likely being charged incorrectly and interest is accruing incorrectly. 

Previous communications from EdFinancial indicated that I did not need to re-certify anything until XXXX, so I do not understand why there are changes to anything on my account. EdFinancial does not provide any details or any information to customers, and they do not respond to inquiries for months.
Product: Checking or savings account

I had atm withdrawl of {$500.00} from my bank account. i disputed it and my claim was denied. it was unauthorized transaction i asked for information on what basis claim was denied and they were not able to justify it. 
I did not have access to debit card when the transaction occured.
Product: Debt collection

This complaint is regarding Carmax and a GAP insurance regarding an automobile which was supposedly traded in for another and resulted in theft and fraud against my person. 
The issue revolves around a XXXX XXXX XXXX, which was traded at XXXX XXXX XXXX XXXX XXXX and which was subsequently stolen by the company after they never made payments. The XXXX I had had an extensive GAP insurance which I paid into without any problem or late history and which was intact when the car was traded into what i believed was a legitimate company. When I was defrauded by XXXX XXXX XXXX XXXX XXXX, I immediately contacted anyone who would help me, including an Attorney by the name of XXXX XXXX XXXX. Who I contracted to help me get XXXX XXXX XXXX XXXX XXXX to comply with my requests, to no avail. 
During this time Carmax has reported the car as a repo/default on my consumer credit files and refuses to look into this matter. Numerous disputes have gone nowhere. 

I have and am including the contract from Carmax and the GAP insurance with specificity to the clauses which cover theft or other matters. Carmax may have forgotten that I signed for this and made my payments on time with no derogatory marks. When I need them to look into the matter nothing comes of it. 

I would ask assistance in this matter by the CFPB to help mediate the matter. To help me get Carmax to comply and conduct an actual investigation into the matter and assist me in getting this error in reporting removed from my files so I can move forward and put this terrible ordeal behind me. 

The attorney that assisted me during this time was : Mr. XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX : XXXX
Product: Checking or savings account

I've requesting a second look into reviewing my missing funds of {$4000.00} removed by Chase Bank on XX/XX/2023. The check was deposited on XX/XX/XXXX via the Chase Application on XX/XX/XXXX. The deposited check does show it was added to my balance on XX/XX/XXXX with the provided Chase bank printout provided by the bank. Chase bank is stating that this same check was presented in a different financial institution on XX/XX/XXXX and to contact XXXX and the maker of the check. The maker of the check is myself since I own XXXX XXXX XXXX, and this {$4000.00} dollar is my salary to myself. I also did provide bank statements and a letter from XXXXXXXX XXXX stating this check has only been presented once, so actual proof that it was paid to Chase alone. I've uploaded statements from both Chase Bank and XXXXXXXX XXXX XXXX statement showing the check was cashed once and not presented twice. I've also provided a letter from my bank at XXXXXXXX XXXX that the check was only ever presented once. If it has been presented to cash anywhere else including a check cashing facility, it would show up on my XXXXXXXX XXXX account as returned for duplicate item or paid, it is nether. The only bank who received these funds was Chase Bank. This second letter from my banker has his direct line to confirm this fact. They've ignored the letter provided and have not returned my banker phone message at XXXXXXXX XXXX to confirm this as a fact.
Product: Credit card or prepaid card

I have been using a Chase credit card for over 5 years but was unaware of the 3 % foreign transaction fees they charge when booking international flights, even from the USA. 

Now when I called them, they refused to waive the {$59.00} fee that I incurred by booking a flight ticket and refused to consider the waiver of fees even after I repeatedly mentioned that I was unaware of these fees and instead pointed me to the lengthy card member agreement that I signed when I first applied for the card years ago. 

After this incident, I am very concerned to use this credit card for larger purchases and I feel that they charged me this fee even without clearly communicating about the existence of such fees and it just seems like a hidden fee that suddenly appears in the transactions and statements.
Product: Checking or savings account

On XXXX i got call from US bank requesting me to visit nearest US Bank branch to update my ID, which i did on XX/XX/XXXX i visit the branch on XXXX XXXX XXXX, XXXX XXXX, IL XXXX, and i did what they asked me to do Later on XX/XX/XXXX i got call from the same number asking me to go again to nearest is branch to answer some question about transactions happen in my account which i did, on XX/XX/XXXX to find out that my account had Hard block on it since XX/XX/XXXX and the manager assistant was not able to remove the hard block on my account stating that they need to check further, the same thing happened on XXXX and the account was hard blocked for more than 22 days and for no known reason which am afraid the same will happen this period no one know why my account is blocked, nor when this account will be unblocked thanks
Product: Bank account or service

I went in to The XXXX XXXX XXXX of Suntrust bank to cash XXXX checks issued by XXXX of their customers written to me. 
I was greeted by XXXX XXXX and she informed me that they could only cash XXXX of the checks due to the amount of funds available in the branch. I understood and asked that she cash the smaller of the XXXX checks ( {$4200.00} ). I then asked if I could return on the next business day and cash the second check. Her response was " we do n't print the money here, you can come back and check '' ... I immediately flushed red and showed my discomfort at being so rudely spoken to. I then if she could arrange a date for me to return and have the check cashed, explaining I did n't want to make unnecessary trips if I could n't conduct my business and she replied " NO and there will be a XXXX dollar fee, because it 's a business check '' I left the branch, with neither check redeemed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting erroneous information on my credit file. Equifax has refused to properly investigate my dispute and provide me detailed documentation, and DELETE this incorrect item from my credit file. 

Equifax is refusing to delete the following erroneous item from my credit file : Chapter XXXX Bankruptcy I filed this dispute with Equifax online on XX/XX/2020 and less than 24 hours ( XX/XX/2020 ), I am being told it has been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a new mortgage. XXXX Credit report indicated I was sent to collections for a {$100.00} bill from XXXX XXXX in XXXX XXXX, NC. I have statement from manager of this organization that this account was PAID in FULL and in GOOD STANDING. Report is on my account as ALDOUS XXXX XXXXXXXX assured me he contacted their legal team and they would correct the issue. The only thing their legal team did was to indicate the account was CLOSED. They did not remove the faulty COLLECTIONS report. This has led to a Lowe credit score which led to a higher interest rate which over the course of the loan will cost me tens of thousands of dollars. XXXX directed me to contact you. 
The following is copied from the email from the manager of XXXX XXXX XXXX XXXX XXXX To : XXXX XX/XX/XXXX XXXX, Thank you for reaching out. I'm showing you had a family add-on 15 month PAID IN FULL membership back in XX/XX/XXXX. It looks like it rolled to a month-to-month renewal afterwards. I reached out the our billing services company and let them know to remove you from collections in good standing. Let me know if you have any other questions. 
Thank you! 
-Original Message- From : XXXX
Product: Money transfer, virtual currency, or money service

I tried to make an international transfer ( MTCN : XXXX and XXXX ). The recipient was unable to retrieve the money due to an issue with Western Union. Western Union returned the money, but kept the service fees, which are very high. 
Since the transfer was unable to be completed and it is not my fault or the recipients fault, they should return the fees. 
Below is the response from western union. 



On Wed, XX/XX/2021 at XXXXXXXX XXXX XXXX XXXX wrote : Dear XXXX, Thank you for contacting Western Union . 

Please accept our sincere apologies for the inconvenience you may have experienced in respect to the error which you have received in your money transfer. 

We carefully checked your transaction under MTCN : XXXX and XXXX and found out that the refund has been initiated on XXXX. We are sorry to inform you that we are unable to refund full amount as you need to cancel transaction within 30 minutes of initiating for full amount refund, Please be advised that your refund may take within 5-7 business days ( excluding Saturday and Sunday ) or depending on your bank 's processing time to deposit the funds into your account. 

Should you have inquiries, do not hesitate to contact us back. 

Finally, please remember to bookmark our Help Center page where you can always find the most current information on Western Union products and services. 

Sincerely, Western Union Customer Care ref : XXXX : ref
Product: Credit reporting, credit repair services, or other personal consumer reports

I received communication from XXXX XXXX, XXXX and XXXX XXXX notifying me of recent unauthorized credit inquiries. These inquiries occurred mostly from XX/XX/XXXX-XX/XX/XXXX from multiple agencies. I am concerned as I feel an unscrupulous automobile dealer has done this. Please remove these inquiries. Companies noted with unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX/XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX/XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX   XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX/XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Additionally, I did not authorize the following credit inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

My name is XXXX XXXX, I came into settlement of the debt to {$9400.00} which I was making every month until their system locked me out without allowing to rreset the account. I called the debt collector to asked what happened and I was told that the lawyer handling my account died and they will get back to me. I never receive any phone call or mail neither email. They went as far as reporting to my employer to garnish my wages, The law offices of XXXX XXXX representing THE BEST SERVICES NEVER CONSULTED ME. The court case is XXXX. XXXX SUPERIOR COURT XXXX XXXX DISTRICT gave a judgement against me without any further or previous consultation with the law firm. They could have contacted me to assign a new person to me to handle the collection of debt.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Bank account or service

BNY Mellon implemented a monthly account fee for HSA ( Health Care Savings Accounts ). 
This fee is for any balance below {$5000.00} and was implemented AFTER these accounts were set up through my employer. By LAW I can only put {$3600.00} in this account in a single year and I am being penalized by BNY Mellon. I submitted this complaint a few days ago, but I can not find it. The ref. number is : XXXX BNY Mellon has a service contract with XXXX and is servicing 100 's of thousands of new customers with HSA accounts. This fee will give them automatically several million dollars in new revenue each month. This fee targets low income people.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute my Department of Education loan under XXXX due to the data breach reported in relation to XXXX XXXX 's data security. This breach has resulted in the unauthorized exposure of sensitive personal information, which I believe directly affects my loan account. 

My understanding is that this data breach may have compromised personal information associated with my student loan, and as a result, I am requesting the removal of the loan until an investigation has been completed, and the risks of identity theft and fraud have been addressed. 

For reference, my loan account number is : XXXX. I would appreciate your immediate attention to this matter, as the security of my personal data is of paramount concern. 

Please inform me of any actions being taken, and if further documentation or verification is needed from my end to resolve this issue. I trust that XXXX will take the necessary steps to protect my account from any adverse consequences arising from this breach.
Product: Debt collection

trans union keeps verifying my information without providing proof 24hrs. i would like to remove all transunion, XXXX, and XXXX from any debts i may have, if any
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letter to all credit bureau to dispute inaccurate information on my credit report according to the The Fair Credit Reporting Act all information must be 100 percent accurate across all bureau XXXX  XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) these are some of the item like these that need to be removed
Product: Credit reporting

The XXXX ( XXXX ) attached accounts with XXXX were fraudulently opened in XXXX, which was a Business Card, and XX/XX/XXXX respectively. Both accounts had been previously reported as Identity Theft and BLOCKED by Experian. Subsequently, after a significantly protracted time frame they were incredulously reinstated without any explanation whatsoever and now have surpassed the Statute of Limitations of seven years. Your assistance in having Experian reinstate the BLOCKS on these legacy Identity Theft accounts from XXXX would be greatly appreciated.
Product: Debt collection

Windham and Associates is the collection agency for my federal student loans which are currently being paid but in default. The company offers me no other alternative but to pay the balance in full to bring the loans out of debt. Is there no other solution to this issue? I am a XXXX, at one time the payments were made on time until I was laid off from XXXX for one year. Now, I can not purchase anything and feel trapped all because I wanted an education??
Product: Credit card or prepaid card

i am trying to protect myself from fraud i received XXXX XXXX card i did not apply for from bank of america I can't get through cs i am setting here wasting another day trying TO REACH THE BRANCH OF BANK OF AMERICA THAT ISSUES THESE XXXX XXXX CARDS TO EMPLOYERS AND I CAN NOT GET THROUGH. I CALLED MY CREDIT CARD AND THEY WOULD NOT HELP ME BECAUSE I DO NOT HAVE THE SAME # I HAD A YEAR AGO SO THEY CAN VERIFY THAT IT IS ME. THIS XXXX COMPANY OF XXXX WILL NOT HELP ME PROTECT MYSELF FROM FRAUD. SO I AM i am FILING THIS COMPLAINT. I GAVE THEM 4 FORMER ADDRESSES MY SS # MY DOB AND THESE DEMONS OF XXXX PUT ME ON HOLD BECAUSE I GOT ENRAGED. then I CALLED BACK WAITED FOR 20 MINUTES GOT A supervisor WHO gave me the # to money network from metabank SHE TRANSFERRED ME AND THEY HUNG UP ON ME I CALL BACK AND WAIT 30 MINUTES FOR THEM TO TELL ME THIS WAS ISSUED BY XXXX  PERSONNEL FROM WHEN I SIGNED UP 4 OR MORE YEARS AGO. THEY ASKED THIS COMPANY TO SEND ME A NEW CARD WITHOUT EVEN TELLING ME. NOW I WASTED DAYS JUST TRYING TO FIND OUT WHO THIS WAS WHEN ALL BANK OF AMERICA HAD TO DO WAS LET ME KNOW WHO IT WAS THE FIRST TIME I CALLED. BUT NO DEMONS WANT TO ENRAGE US AND PLAY WITH US. BUT XXXX XXXX IS MY DEFENDER AND YOUR GOING TO DRINK THE CUP OF EVIL YOU KEEP GIVING ME.
Product: Credit card

On XX/XX/XXXX, I purchased a voucher for a future stay at the " XXXX XXXX '' in XXXX XXXX, CA through XXXX The total amount was {$490.00} and the site promised to fulfill the stay by XXXX. 

XXXX XXXX has deliberately scammed money from me as well as other purchasers without any intention of fulfillment.XXXX XXXX fabricated plans that resulted in a total XXXX of $ XXXX through XXXX. Last communication on this project was dated XX/XX/XXXX ; no updates on the project have been provided since. 

I tried contacting my credit card company, Capital One, and they refuse to issue a chargeback on this merchant, stating that I waited too long -- however the scam did not come to light that we were all being bilked out of our money until over a year later.
Product: Credit card

On XX/XX/XXXX, I purchased XXXX XXXX XXXX from XXXX using my ChaseBank Freedom flex credit card. Unfortunately, the services provided by XXXX were unacceptable, and unprofessional given that I have purchased their express services, their response time was very slow and given the situation, we will not be able to use the XXXX  on time for our wedding in the XXXX. I ordered the XXXX on XX/XX/XXXX and expected it to be delivered to us after 2-3 weeks but 2 weeks went by and we are still on step 1 of the process. As a consumer, this is frustrating and this is not the services they have promised especially they offered and we paid for express services. 

Chase Bank denied my dispute for the reason that I agreed on the Non refundable policy by XXXX. Despite the merchant 's policy stating that the item is non-refundable after 3 days of purchasing it, I believe that the circumstances of this case justify an exception. Please note that I have never received any product from the merchant. No veneers were made, produced, and delivered. I do not think it is fair for me to pay for something that I did not receive even if I purchased a non refundable item. The product was purchased on XX/XX/XXXX, for {$600.00} and I paid {$50.00} for an express service. 

I have already sent a letter to ChaseBank to re-open my dispute case but I would like to ask your kind office to assist me on this matter.
Product: Credit card

I had a credit card issued by my credit union. Since the credit limit was so small, i almost never used it and it was sitting in my safe for a year. I was checking my credit scores online and noticed I had a missed payment on this card so I tried to go online and see what it was, since I had n't used the card. My online account was locked out because by this time I was in collections. At least this is the reason i eventually got. I made several calls trying to clear this up and it went into a fraud investigation. By the time they did anything about the fraud charge, now i have XXXX missed payments on my credit report. I called a XXXX times and sent a dispute letter to try and fix this problem, to no avail. The response I got back was that the account is not reporting, but when I look on XXXX, there it is. The last call I made to them got the usual transfer around and then to a voicemail box I have n't heard back from. This it typical, usually i finally either get lied to that it is fixed or transferred and hung up on. I got the card through XXXX XXXX XXXX XXXX, it is serviced by XXXX XXXX XXXX, which I think is part of US Bank. If I had known the credit union was n't servicing the account and would n't help me with any problems, I would never had accepted it.