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

On XX/XX/2023 I purchased a visa vanilla gift card at a XXXX for {$300.00}. The purchase cleared at my bank. Tried to use the card 5 times and each time it was declined. Got online to their website and tried to verify the card and amount only to receive and " error message and to try later ''. Called the phone number on the back of card twice. Put on hold for long period of time each call. First call said they would validate my card and could use it now. Tried to use it again and same - Declined. Second call said they could not validate card and I needed to email copy of receipt and drivers license and they would investigate problem. I did this. Didn't receive any conformation of email. After googling how I might be able to get my money back, I found this is a common practice for Visa Vanilla gift cards, as there are hundreds of complaints throughout the Internet about this very same practice. This should be investigated as this company is blankly stealing peoples money. Here are some examples of complaints I found : XXXX XXXX XXXX.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is the company appears to be controlled by Incomm located in Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX University XXXX XXXX XXXX first issued the XXXX XXXX XXXX XXXX while a successful student at the XXXX XXXX XXXX and several payments were made although I incurred hardship due to economic disadvantages including COVID-19. My current status is postponed until XX/XX/2020 via a phone call from a XXXX representative, XXXX. However upon receipt of my account statement, disclosures of information indicated that fees and an amount should have been adjusted due to the current pandemic. During my attendance at XXXX XXXX University XXXX XXXX XXXX, the XX/XX/XXXX crisis in XXXX XXXX at the XXXX XXXX XXXX XXXX on XXXX XXXX transacted and several bodies were lost such as in the current pandemic of COVID-19 and additional financial relief should be required to offset my XXXX   school studies and other opportunities beyond. In addition to the foregoing, my XXXX school education should be paid for with financial relief disaster plan funds under the executive orders of Governor XXXX XXXX and approved through the White House and all forthcoming Presidents of the United States of America for my long history of problems incurred trying to find work after XXXX school and now as I am applying to return to XXXX in the XXXX at XXXX XXXX XXXX XXXX XXXX even my University of XXXX XXXX XXXX XXXX XXXX XXXX should los be allocated into the funds that would pay for my XXXX education and even XXXX School should that plan fail.
Product: Checking or savings account

XXXX XXXX 2024 hotel stay XXXX placed a hold on my cash app card For {$240.00} dollars. 
At checkout on XX/XX/year> our final charge was {$210.00}. This left an unused balance of {$27.00}. 

Cash app never notified me that the hotel transaction updated from {$240.00} to {$210.00} per their policy. The cash app transaction history still shows the pending amount of {$240.00}. 

I got in touch with cash app and ask them what was going on with this particular transaction. Cash app advised me that the hotel collected the {$210.00} but theres still a hold for {$27.00}. I advised them that the transaction hold was for {$240.00} not {$27.00}. I also advised them that the transaction amount did change from {$240.00} to {$210.00} and why did they not notify me and why it shows the hold for {$240.00} still pending if the hotel collected the {$210.00} They refused to answer these questions. I asked them several times these questions and they refused to answer. 

I asked cash app for verification that there is a hold on the {$27.00}. They refused. 
I contacted the hotel and they confirmed the hold was for {$240.00} but was released and they collected the {$210.00}. The hotel stated that there are no additional holds and that the remaining {$27.00} was released when they released the {$240.00}. They confirmed that the {$27.00} was my return for remaining incidentals. 

The hotel provided a letter to give to cash app to verify so they can release the {$27.00} back to my account. I submitted the letter and cash app still refuses to release the funds back to my account. 

Cash app refuses to provide any information or verification for why they arent releasing the funds back to my account. I suspect fowl play on cash apps part because they refuse to provide verification, they are ignoring the confirmation from the hotel that all funds have been released and cash app is being uncooperative and not providing transparency. 
Its obvious that the {$27.00} is the remaining balance and the hotel has confirmed there is no hold. 
But cash app is uncooperative and refuses to release their hold on the {$27.00} Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX ( applied via XXXX XXXX XXXX store ). This account was opened on XX/XX/XXXX - and currently has a balance of {$700.00}. In XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX on XX/XX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX  inquired on XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried on several occasions to get an account listed in dispute to have the dispute removed. Equifax REFUSES to remove the dispute language on the account and is causing me a great deal of difficulty in completing a home loan. I have tried for past several months to get the account removed but they will not remove it.
Product: Debt collection

IN XX/XX/2015 I HAD A STORAGE UNIT WITH XXXX XXXX XXXX AND IT WAS SOLD AND AUCTION OFF DUE TO LOST OF EMPLOYMENT THEREFORE RESULTING THE UNPAID BILL TO BE SOLD AND SENT TO COLLECTION AGENCY PROFESSIONAL DEBT MEDIATION INC. IN XX/XX/2015 FOR THE AMOUNT OWED {$420.00} HOWEVER BEFORE THE AUCTION A LETTER WAS SUPPOSE TO HAVE BEEN SENT TO ME SAYING THAT THE AMOUNT OWED WAS {$590.00} AND THAT THE UNIT WAS SOLD FOR {$350.00} THEREFORE I DO NOT OWE THE AMOUNT SENT TO THE COLLECTION AGENCY DOCUMENTS HAVE BEEN ATTACHED TO REFLECT THE AMOUNT THAT WAS SAID TO BE OWED I NEED THE CORRECT AMOUNT TO REFLECT ALL THREE OF CREDIT FILES OR PROVIDE HOW THE AMOUNT WAS CALCULATED OR REMOVE THE TRADE LINE FROM ALL THREE CREDIT BUREAU. PLEASE SEE ATTACHMENTS I HAVE REACHED OUT TO PROFESSIONAL DEBT MEDICATION MANY MANY TIMES TO RESOLVE THIS MATTER AS WELL AS ORIGINAL DEBTOR WITH NO REAL SOLUTION PREVIOUS GIVEN SOMEONE ELSE PERSONAL INFORMATION FROM PROFESSIONAL DEBT MEDIATION WITH NO TYPE OF APOLOGY FROM THE COLLECTION AGENCY AND THE INFORMATION WAS SENT TO ME BY CEO OF THIS COLLECTION AGENCY THEY ARE NOT PROFESSIONAL IN TAKING CARE OF CONSUMER MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XX/XX/24 i sent transunion a letter asking them to verify information claiming to to be reported on my credit report. I have waited 30 days and they have not responded to my request and have not even let me know they are processing things
Product: Student loan

Im so tired of going back and forth. Someone is garnishing my social security. the notice said the funds are going to navient. I have XXXX loans that are defaulted. They are not with XXXX. I logged into the website and I see XXXX with XXXX, yet my garnishment states its going to navient. XXXX said they re not garnishing my check but someone is. Well navient called me XX/XX/XXXX to tell me I was 21 days past due and owed XXXX payment for my total loan of XXXX. I called them 2 months ago and left messages and I also applied for IBR over 30 days ago. She said my loan was 21 days past due and how did I want to make that payment. And then guess what after 14 years of deferement and forbearance just when I thought that was over they offered it to me again and never discussed my IBR application which I sent all the info in and have not heard anything. I am sure they could care less about helping me now after 14 years as they are getting my social security. so now I am in deferrment again and i am trying to get it all figured out and then they offer no help at all. they did not even have record of my IBR application that I got an email stating they had received. LOL
Product: Debt collection

I received a notice on my credit of a debt going into collections from Transworld Systems. I have never received any communication about this debt from the Transworld Systems or the original creditor and haven't been able to get any validation of the debt. The only reason I know about this debt at all is because they reported it to my credit. Every time I reach out to Transworld Systems, they either can't direct me to the appropriate 'branch ' of the company that submitted the notice to my credit, or they immediately ask for my credit card number and hang up when I don't give it to them. I moved out of the property ( original creditor ) in good standing and received a full security deposit 4 months after moving out. I have no idea what this debt could be for and can't get any information out of Transworld Systems or the original creditor.
Product: Student loan

I have  two student loans with Navient, one was charged off, the other one  remains in good standing. My loans have been deferred while i 'm in school, I have never been out of school. This information can be verified via student clearinghouse. I recently discovered upon checking my credit report, that Navient charged off  one  of my loans, and is now having a collections agency collect funds on the loan. Prior to the loan being charged off, I never received any correspondence via telephone or mail. Navient did not make an attempt to contact me at all regarding my student loan. Upon discovering that my loan was charged off, I immediately contacted navient via telephone. I was informed that my loan had been charged off because I stopped attending school. This information was incorrect, as still to this date, i have never stopped attending school. If this were correct, then why had n't my other student loan with them also been charged off? The other loan still displays a " deferred '' status. I explained to Navient that I was never contacted regarding my loan, and to please provide me with when they attempted to contact me before placing my loan in a charge-off status. I was not given the information, and was told that I needed to speak with the collections agency, as nothing else could be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a certified letter to Experian on XX/XX/20 requesting information regarding a fraudulent Account from XXXX XXXX XXXX XXXX/ XXXX XXXX, to date I have received no reply to date from experian XXXX I requested from Experian the documentation they received to verify this fraudulent account that was reported to my credit file. I requested the process of how the information was received and verified. To date Experian has failed to provide any documentation proving this account was set up or requested by me. I have signed no contract with the company nor have any knowledge of this debt.
Product: Vehicle loan or lease

I signed a lease contract for $ XXXX on a XXXX XXXX XXXX which matures on XX/XX/XXXX. Midway through the lease contract, my payment suddenly changed. I called Toyota Financial Services on multiple occasions and no one could explain to me the reason for the increase. The monthly bill is not itemized, nor did I receive any written correspondence that there was a change in the contract terms. After multiple phone calls, I stated to TFS that I refused to pay the increase and would continue making payments as originally contracted. Since the lease is about to mature on XX/XX/XXXX I reviewed my account because I decided I would like to extend the lease while I determine the best transportation option for my growing family. I am a working XXXX  and a XXXX  and I depend on my vehicle. I always pay my bills on time. Upon contacting Toyota Financial Services on XX/XX/XXXX I was told that I was ineligible to extend the lease, and that my account had a past due amount of {$89.00}. I was told this past due amount disqualifies me from extending my lease. I again asked for an explanation for why the payment had changed and this time was told it was due to a change in sales tax. I was not notified of a change in sales tax nor does the monthly statement reflect any changes in tax. Additionally TFS could not explain what tax rate was being used to calculate the payment and when it changed. My understanding is this " past due '' amount has been reported negatively against my credit report. I am outraged that Toyota can not answer my questions or provide documentation to support a change in payment, tarnished my credit, and unfairly restricted my options at lease end. I was old I could contact the credit dispute department at TFS by U.S. mail and my lease would still mature on the planned date. This unfair and deceptive practice by Toyota needs to be investigated and this company needs to be held accountable for violating the terms of my lease contract.
Product: Credit card

I signed up for a hom furniture card with G e Capitol i have been making the month payments as stated on my statement and through the automated system. I was now advise today that my balance went up over XXXX due to finance charges and will continue to accrue XXXX each month
Product: Debt collection

I was transported by ambulance in XXXX from XXXX XXXX XXXX, XXXX FL to XXXX XXXX XXXX XXXX XXXX because I was XXXX XXXX. I never received a bill from XXXX XXXX XXXX XXXX XXXX ). If I had received a bill, I would have given XXXX my XXXX XXXX XXXX XXXX from Florida XXXX XXXX. 

In XXXX, I was advised that I had a collection on my credit report from XXXX. Phoenix Financial Service had purchased the XXXX debt from XXXX and listed it on my credit reported as opened on XX/XX/XXXX. Now this XXXX debt will be on my credit report until at XXXX, unless Phoenix Financial Services due what most collection agencies due, they keep changing the opening date of the collection to keep it alive on your credit report. 

PHOENIX FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX These people are predator collection agency, will not stop writing and calling ever though I have asked them to stop. 

This is an old debt that should not be on my credit report as it is a medical bill Thanks for you assistance with this matter Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 
Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION and XXXX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX has violated my rights. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found that someone had been applying for something in my name. I have already notifi ed the creditbureaus regarding a fraud alert. These are the two inquiries that I located that are unverifi ed and unauthorized : 1. XXXX  Date of Inquiry:XXXX XXXX. XXXX Date of Inquiry : XXXX
Product: Student loan

I requested a refund for the payments I made during the pandemic since I am eligible for the one-time {$20000.00} loan forgiveness. I made this request on XX/XX/2022, in the amount of {$4900.00}. The lady I spoke with that day stated they do NOT provide confirmation numbers/emails for the refund requests. I basically have to have faith that the request was made but have no proof of said request. 

So, I talked to two representatives today ( XX/XX/2022 ) to confirm that the request was made and to find out how long it will take. The two representatives that I talked to were less than helpful. They were able to tell me the refund request date as well as the amount, but would NOT tell me how long it would take to process the refund. The first representative, XXXX, just said that it is processed according to the Department of Education 's timeline but could not provide that timeline. The second representative, XXXX, told me " We do not have a timeframe. '' How do you not have a timeframe? 

The lack of transparency with this company is very alarming and completely unacceptable. Every time I speak to someone they tell me something different and now no one has any answers about the refund processing times. As a service provider, you should be able to at least give an estimated timeframe for the refund.
Product: Credit card or prepaid card

We are very disappointed with the way American Express has handle our account recently after being a customer since XXXX. I had called them to get the amount due deferred which was approved for one month, I was told that the deferment would not interfere with us using the card, I also told the agent that we have a XXXX XXXX and our revenue right now is almost 25 % from 100 % and that we will during the month make some type of payment as money comes in. On XX/XX/XXXX I attempted to pay our auto insurance and the payment was declined, that same day I was planning to make an online payment of XXXX.I called and after being tossed around to different dept I finally got an agent to help me, he couldnt understand why the transaction was declined, he put me on hold and went to speak to his supervisor, when he came back on the line he said the reason why was because our pre set limit was XXXX and we only had available XXXX, I ask him since we had planned to pay the XXXX will that allow us to resume the charges, he said that if I made the XXXX payment, then we would have XXXX available, I explained to him that thats almost all the money we had and we counted on the Amex to keep purchasing the essential he said yes that we would be fine as long as we dont go over the limit, 2 days later our charging privilege were suspended and the balance was only XXXX we still had XXXX available going by the XXXX which is what he told us, now we couldnt charge and we had given American Express almost all the money we had, how can they do this? I called again, the first agent I spoke to told me that the reason was because we needed to pay XXXX which was part of the deferment and the current which its not due till XX/XX/XXXX, this amount was deferred how can they suspend our charging privileges for that reason, I had her transfer me to a supervisor, after a long wait I got someone that his english was so poor I had a hard time understanding him and what he said was that the pre set limits change, I told him, I was not told that, he said all I could do is make another payment, I could not believe my ears we are going thru this pandemic and here is this guy telling me to make another payment? With what? Now I couldnt pay them anything else because they took our money and stopped us from charging for no good reason .... We were lie too and I find that so unprofessional, I can't still believe what American Express has done to us mostly at this time. There is no way for us to be able to pay anything else on this card because the cash that comes in we have to use it. Very inhuman, we thought American Express was the best, not anymore, we will never forget what they have done to us. We were lied too and cheated. Not acceptable.