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

I have attempted several times to get this matter resolved with Discover but they continue to ignore my request. Discover continues to report damaging negative information about a debt that I do not owe to XXXX, XXXX and XXXX. I did not give Discover my written consent to report information about me to any consumer reporting agency. I informed Discover of the violations that they are committing against me and demanded that they compensate me {$6000.00} for each violation. I sent them an opportunity to cure which they have 14 days from the date the received my certified letter with return receipt. My next step will be to file a complaint in court.
Product: Credit card

On XX/XX/XXXX I was at XXXX for probably the XXXX time this summer using my Affirm physical credit card. For the first time I wasnt going in after setting up a payment plan prior to purchase as I was in a hurry. I have been constantly bombarded with notifications and in app advertisements to split your payment within 24 hours of purchase. I have made XXXX of these XXXX purchases with this payment method so I thought no problem. I had {$300.00} avail to split I would have never thought they would break contract. So on this very busy day I made my purchase and went to split my payment with Affirm to XXXX for the 6th time this summer. I was denied splitting this payment due to the length of credit history with Affirm. I have a {$2000.00} line of credit with them. I have been a consumer purchasing things all over the Internet and in physical stores since XX/XX/XXXX. I tried repeatedly to split my payment over the evening of XX/XX/XXXX and morning of XX/XX/XXXX and was repeatedly told I had not been a customer long enough despite splitting at least 5 XXXX purchases prior to this transaction over the summer of XXXX. When I reached out to Affirm after the 24 hours went by to inform them that I was continuously rejected over that first 24 hours to split my transaction due the length of my credit history with Affirm, I was told I should have split my purchase within the first 24 hours. When I reiterated that I was denied splitting on the day of purchase and the reason that I had been denied splitting the transaction ; I was treated extremely rudely and told that I need to learn how to use my card. I have taken a screenshot of my entire transaction history with Affirm, the denial to split my payment after the purchase due to the length of my 3 year credit history with the company, and despite the fact Ive split at least 5 of these purchases over the summer. It shows I had $ XXXX in my linked account, had {$300.00} available to spend to split, and had {$110.00} left over AFTER THIS XXXX purchase TO SPLIT. My last attempt to try to discuss this issue the rep laughed at me openly on the call. I want that called pulled please. They sent a response to a online contact form about maybe splitting if I brought the available balance to my personal checking account back to the $ XXXX that was there at the time of transaction, but that is what the rep the week of XX/XX/XXXX laughed at me about. They first bait and switched me by breaching their terms of service, then said do this and we might allow a split, and then laughed at me and told me tough. I can not even make a partial payment, they want the entire amount which I can not do, and have been trashing my credit score to add literal financial injury to this insult.
Product: Mortgage

I am in a current XXXX XXXX XXXX Fay servicing has my current mortgage. I reached out to them for 30 day payoff of mortgage and verification of mortgage with them. The refused to talk to me without letter of authorization from my attorney. My attorney text to them the letter of authorization they wanted on XXXX. I called on XXXX and was told they dud not receive such letter. On XXXX my attorney emailed letter of authorization, 30 day payoff request, verification of mortgage request. I was told once they acknowledge receipt of request it takes XXXX business days to put letter of authorization on my file. It will take an additional XXXX business days to get 30 day payoff. The refinance of my mortgage is time sensitive as to not have to start process all over.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed some information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block/remove this files. Fraudulent account : US DEPT ED XXXX Date Opened : XX/XX/2017 Balance : {$25000.00}. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The undermentioned inquiries are unauthorized and I have asked Experian to remove these inquiries. Experian have failed to do so and I demand immediate action on this issue. This might be due to XXXX data breach or as a result of identity theft or due to system glitch of the institutions. 

XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Experian several time about this inaccurate information. I have disputed XXXX XXXX XXXX XXXX numerous of times. The company stated that they have validated this as my account without proof of signature or identification. Please help me rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX  obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Installment Loan Inquiry XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX ) obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX ) obtained a copy of your Equifax Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 9 Federal student loans with Navient that were once serviced by the department of education. These loans were sold, without my consent to Navient who now claims that because they are no longer affiliated with the Dept. of Edu my loans no longer fall under the current student loan repayment moratorium that was put in place because of the pandemic. As a result I now have 9, 90+ day late payments reporting to my credit report. I wasn't paying them because I was under the impression that because they are federal student loans originated by the Dept. of Edu that they would fall under the payment freeze. The 9, 90+ day late payment reports are unjustly harmful to my credit. I shouldn't be punished because the identity of my loans were changed without my consent, or my knowledge.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian**** 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 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 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 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: Credit card or prepaid card

I own an American Express XXXX XXXX XXXX and have been a customer of American Express for over XXXX XXXX 

My credit card account is always paid in full and has been on autopay. For some reason, it was not on this month and the payment did not post immediately I was charged a {$29.00} dollars fee on XX/XX/XXXX. I did not receive any notification of the set fee. While checking my accounting two days later, I discovered the charge and immediately paid my entire balance and contacted American Express. I explained what happened and requested the fee to be refunded since I am a long-time customer and even have a significant amount of cash in their savings account. 

The response received was " you don't qualify '' as I inquired as to why I was told that there are many variables and the system just denied it. 

Needless to was this is very disappointing and difficult to accept that a company like this is not willing to provide high-quality customer service regardless of whether you have been a very long-term customer.
Product: Money transfer, virtual currency, or money service

I wanted to provide supporting documentation regarding the dispute. With my Google Ads I received a notification that I had to remove the zip code associated with my Google Ad, as zip codes now fall under housing discrimination. Since I am a XXXX I can only provide services that are local to me. I reached out to Google with a phone call on XX/XX/XXXX. I was on hold for over 3 hrs ( attached ) without speaking to anyone before I finally disconnected. I reached out to them the same day via their chat option. I explained on the chat what was going on and followed the instructions of their agent. I was reassured my XXXX would still only show locally. I have screenshots of the chat. On XX/XX/XXXX I noticed that my ad was being shown only in XXXX, a location I can not service. I immediately paused my Ad, which should prevent it from being active. I contacted Google and was advised that I was supposed to change something with a target location of the XXXX in addition to what I was advised by their agent on XX/XX/XXXX. On XX/XX/XXXX I asked for a refund and was advised they would not issue a refund of the {$500.00} that had been spent advertising in XXXX. I also have screenshots of that chat. In addition I received a call from one of their reps in XXXX. I did not get her name. She said they would not offer me a refund and that request for a refund has already been denied twice by the department, the best she could offer was a {$100.00} Google Ad Credit, which I refused. I subsequently noticed an additional {$63.00} charge from Google on XX/XX/XXXX. Since my ad  was still paused, there should not have been any additional charges. On XX/XX/XXXX I had a video meeting with my new account manager XXXX. We went over my ad in great detail and I made my ad active again. I asked him about a refund of the {$500.00} & {$63.00}. He said he can't help with refunds and referred me to the department that has already denied my request at least twice. 
I have since contacted Google directly 3 times to get the balance removed. When I call they say the department I need to speak with doesnt accept phone calls, when I chat with them they also say the department isnt available via chat, only email. When I email them someone will call me and I try to explain what happened. They say theyll look into it and I never hear back from them this has happened over 3 times. Google is denying my request for a {$560.00} refund because the target areas I requested were excluded. I explained that any changes I made were at the guidance of a Google employee and provided screenshots of the chat conversations as support.
Product: Credit card

I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.
Product: Consumer Loan

I financed the purchase of my Toyota Corolla XXXX in XXXX XXXX through Toyota Financial Services. I paid off the loan at the end of XXXX XXXX and took delivery of the Certificate of Title from Toyota Financial Services on XXXX XXXX, XXXX. I was however, shocked to read their attached letter which clearly stated that " We encourage you to re-title the vehicle immediately upon receipt of the title/lien release document since all records maintained by your state of residence will continue to reflect our lien on the vehicle until you do so. '' I called Toyota Financial Services to complain that they should re-title the vehicle and not pass the cost to me. The representative who took my call ignored and was informed that I would lodging a complaint with the CPFB. In fact, I even finished paying for the vehicle over four ( 4 ) months before its original maturity date and deserved not to be treated rudely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX and experian to get inquires removed off my report that should not be there. After 3 months I have not received any changes on my report.
Product: Debt collection

My son had a student loan thru   XXXX   XXXX  , his father and I co-signed for this loan of {$26000.00} over the past few years payments were made to   XXXX   XXXX   some by our son, his father and myself. After   XXXX   XXXX   formed Navient as their collections company, we were plagued with calls demanding payment in full. Our son 's father paid them {$10000.00} on XX/XX/XXXX  to have them remove his name as a co-signer which they eventually did. My son on or about XX/XX/XXXX  had   XXXX   XXXX   XXXX   ( a service related benefit of education loan ) contact   XXXX   XXXX  /Navient to get the exact payoff of his student loan which  XXXX  was told the amount of {$17000.00}. A check was sent for that amount payable to   XXXX   XXXX  , ck #   XXXX   was received and deposited with a bank stamp belonging to   XXXX   XXXX   XXXX  . #   XXXX   for deposit only. After our son was told that they did not receive this payment he contacted  XXXX  for copies of this check and   XXXX   XXXX    sent him copies of front and back of cancelled check proving this had been done and that they were paid in full.
Navient ( one of several collections agencies contracted by   XXXX   XXXX   ) still denies that the debt has been paid in full and is still trying to collect monies not owed. This is one of the many fraudulent acts that has caused the lawsuits to be filed against them.
Product: Credit card

I had a Citi Gold checking account. I cancelled the account. I have credit cards with Citi. Citi will not allow me to link all my credit cards on one page. I called and they stated my bank account is still linked to my credit card accounts despite me calling and Citi saying that my account had just been unlinked. I have spent over an hour and a half just trying to get Citi to link all my credit cards. In the past a representative has stated that he would fix this for me while I was not over the phone but the problem never got fixed. I need Citi to not treat their clients so horribly. I feel the only way I will be taken seriously is by making this complaint or going to small claims court. The calls were on XXXX XXXX, 2016 and XXXX XXXX, 2016.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, XXXX, beneficiary, and Executor of the XXXX XXXX XXXX XXXX  have been seeking immediate action from the Fiducairy Trustees and Data Custodians over the inaccurate and unauthorized consumer reporting of accounts, false and misleading information, obligations, and transactions ; Breach of privacy on the Estate and defamation of character has occurred by actions taken or not taken. Trustees are currently acting in a malfeasant way and are in breach of Trust and fiduciary duty by said actions. 

The XXXX XXXX XXXX XXXX have failed to adequately remedy or investigate the matter under equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to view my credit scoring and report, but the Reporting agencies are attempting to charge me to view my information, although its supposed to be free.
Product: Debt collection

This complaint arises out of billing for laboratory charges associated with a medical consultation. There are 2 issues to be dealt with, one of which is with the collection agency and one is with the provider. 

Debt collector issues The issue with the debt collector is that the statutory notifications were omitted, in violation of 15 US Code 1692g ( 3 ), ( 4 ) and ( 5 ) 1. On XX/XX/2020, I received a letter from Certified Credit and Collection, XXXX XXXX  XXXX, XXXX XXXX, NJ XXXX , Street Address XXXX XXXX XXXX, XXXX, NJ XXXX XXXX. This letter violated 15 US Code 1692g ( 3 ), ( 4 ) and ( 5 ). It failed to contain the statutory notifications as follows : ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Creditor Issues At my insistence, I had a detailed discussion before any services were rendered. The discussion was with XXXX XXXX, XXXX XXXX Representative of the provider. This discussion covered co-pays, deductibles, balance billing and whether there would be any separate charges for laboratory services. I was explicitly assured that I would have no out-of-pocket liability other than the co-pay paid at the time of the services, and that this assurance included co-pays, deductibles, balance billing and any laboratory services which I was explicitly assured were " included ''. I promptly notified the provider of the history of these charges and when I received the erroneous bill, but no correction was made and collection activity continued
Product: Student loan

I had previously submitted a complaint against National Collegiate Trust ( NCT ), as i was unable to find out any information on the XXXX student loans they were servicing. They reported that they had the loans in their response to my complaint. However, when i contacted them again, they stated they did not have the loans. Now, I am being contacted by a debt collections agency for payment in full of {$26000.00} for these loans. NCT never gave me the opportunity to make payments after my bankruptcy ended in XX/XX/2016 before the loans were sent to collections.