23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received my XX/XX/XXXX  statement with a balance of {$8100.00}, and payment due date of XX/XX/2023. I made a payment of {$8200.00} on XX/XX/2023. The {$8200.00} was to pay off the statement balance, but also an additional {$120.00} in charges/purchases acquired after the XXXX statement and before my due date. Part of the {$120.00} was an annual charge by the card for {$99.00} on XX/XX/2023. When I received my XX/XX/2023 statement, I was charged {$59.00} in interest for a balance transfer and {$100.00} in interest for purchases ... even though the card balance was at XXXX and the payment was made on time. The balance transfer was not the type that had to be paid in full or the entire interest amount for the term was charged. The rate changed from 0 % to 28.24 % after the promotion expired. My complaint is the representative at Chase ( XXXX XXXX XXXX ) stated that even though I paid the card off in full and on time, I was charged interest for the days of the statement closing XX/XX/2023 to the payment due date of XX/XX/2023. I am not sure how you can continue to charge interest on a card, but provide a due date. If you charged interest the month before, and you state you have until a certain date to make a payment, how can they continue to charge interest when that is the timeframe they allowed to make a payment? Again, I not only paid the statement balance, but also paid the balance acquired after the statement cut off of XX/XX/2023. She further stated that I have to make two full payments in a row before the accrual of interest will stop. She stated for the balance transfer amount on my card of {$59.00}, I would be charged interest ( which this is the amount charged for interest for XX/XX/2023 statement ) ... so now I am paying interest on interest, even when the card balance was brought down to XXXX. With the CFPB trying to crack down on junk fees or unfair/deceptive charges by credit card companies, I would think this falls in line since they give you a date to make a payment but still continue to charge interest. Also, they are now charging interest on interest when a card balance was brought to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the items in my credit report that came about because of a FRAUD yet I have an Items passed on that should be taken out or Removed. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
Here are the list of items that needs attention in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Closed Capital One credit card on XXXX XXXX. Requested a closing letter and final bill for the month of XXXX, and paid that amount by XX/XX/2023. Capital, one continues to charge interest on the account. Contacted them and they said yes we did receive the final payment for the account, but because you did not pay of the balance each month interest accrues each month. 

That does not make any sense.. see the pay off letter and the statement for the month of XXXX. attached.
Product: Debt collection

I sent a notification letter for them to quit contacting me through mail, email, phone, text, and it was a certified letter that they did get. Since then I have received 4 letters about the collection. They have already filed a summons with the court and I did my answers to both the court to Johnson Mark LLC. I will be sending another one to them.
Product: Credit reporting or other personal consumer reports

i just check my credit report today i see this items still in my credit report XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX, Date of inquiry : XXXX
Product: Money transfer, virtual currency, or money service

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

I had been a XXXX customer for nearly seven years. 

My next bill date of XX/XX/2017 was for {$130.00} plus other charge of {$79.00} for service call of XX/XX/2017. I dispute that {$210.00} bill. 

The {$79.00} was for loss of service due to incorrect - unprofessional installation through no fault of my own. Cable was improperly connected at the pole allowing rainwater into the cable that caused the failure. 

Before the end of the grace period of the next billing cycle from XX/XX/2017 to XX/XX/2017 for {$130.00}, I called XXXX on XX/XX/2017 to cancel and discontinue my account no. XXXX XXXX XXXX XXXX. 

I was instructed that XXXX would not retrieve the cable box and modem. The next day I delivered the cable box and modem to a XXXX office on XX/XX/2017, receipt : XXXX. 

My balance to XXXX is {$0.00} Since then XXXX has continued to bill me for services not rendered or no longer wanted. 

{$210.00} above : Services from XX/XX/2017 to XX/XX/2017 I also dispute the following bills. 
{$350.00} then : Services from XX/XX/2017 to XX/XX/2017 {$410.00} then : Services from XX/XX/2017 to XX/XX/2017 Since then XXXX has hired two collection agencies who declined to collect on the false claim after I sent them documentation. 
XXXX has continued to report that false claim to the Credit Bureau negatively affecting my credit score.
Product: Debt collection

In XX/XX/XXXX, I gave 60 days notice to XXXX XXXX at XXXXXXXX XXXX XXXX that I would not be renewing my lease upon expiration on XX/XX/XXXX. I moved to my new house in XX/XX/XXXX, and continued to pay rent in my vacant apartment through lease expiration. A scheduled walkthrough was performed on XX/XX/XXXX with the maintenance manager, and the only damage he noted was the replacement of the stove 's drip pans for {$15.00}. I signed paperwork to be billed the {$59.00} carpet cleaning fee and turned in my keys. In XX/XX/XXXX, the property manager sent me a nondescript photo of carpet padding with a wet stain and an invoice showing my deposit was withheld and a {$280.00} charge towards the cost for replacing all of the carpet in a XXXX XXXX sq ft apartment. Since that time, I have disputed my deposit being wrongfully withheld with management and XXXX. They have chosen to not resolve this issue, therefore, I advised them that I would be taking legal action. I received a notice from XXXX  that my credit score dropped 30 points. Hunter Warfield, a collection agency in Florida who has never contacted me, or made any attempt to collect, or given me an opportunity to dispute such debt, has reported this to the credit bureau and ruined my credit, even though I am the one owed money. I have photos and videos that shows the apartment was left in pristine condition. Notably, I was never charged the {$15.00} for the drip pans, although my photos show they were tarnished and unusable for a new tenant. This was an act of retaliation and in violation of FDCPA.
Product: Debt collection

NATIONSTAR FALSELY REPORTED TO XXXX AND XXXX THAT A JUDGEMENT WAS ISSUED IN MY NAME IN XXXX 2014 AND REPORTED 60DAYS PRIOR TO ANY SERVICE OR COURT DATE IN VIOLATION OF FCRA, FDCPA ETC..LASTLY LOAN WAS TRANSFERRED AND AWAITING DISMISSAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and breach of information. This information which appears on my credit report, does not relate to any transactions that I have made. It is a result of identity theft and breach of information.
Product: Student loan

I have severe mental illness. My spouse is helping me. The form for authorization is attached. It's harming my health to have such issues with these servicers. The stress is causing a list of symptoms. I need help. They arent listening to my spouse either. Issue # XXXX. Got a notice from XXXX that my application for XXXX discharge is being delayed by Nelnet because they spelled my name incorrectly. They wont communicate directly with Nelnet, they said I have to. We tried, and Nelnet refused to investigate the issue or it appears even to read our concerns and sent an auto generated message signed as if a human read and responded when they did not. We tried to remedy this issue three different ways before coming back here to utilize the CFPB complaint portal, yet again, for unethical customer service practices of the student loan servicers. Issue # XXXX. XXXX is trying to charge me for my loans and saying I have payments due even though they have been notified of the XXXX discharge process which is in direct violation of federal legislation. Note : The customer service reps that have responded to these complaints in the past are not allowed to handle my file any longer, they have a conflict of interest because they are a part of the problem and I have direct previous complaints against them on an individual basis. See screenshot for evidence of XXXX charging fees illegally. I have years of history of discrimination by the student loan servicers and US Dept Ed as a XXXX female, and this is my final attempt at resolution to preserve my health conditions from worsening before I officially secure a Federal Civil Rights Attorney. I am serious. This treatment needs to stop. I more than qualify for XXXX discharge and I will receive it, in a timely fashion, and the derogatory information about me and stone-walling will stop or I will file and win in federal court to force it to stop. My XXXX XXXX has reached out to Nelnet multiple times, the XXXX branch of Nelnet seeking help, and literally never even received a response. It is a disgrace.
Product: Debt collection

On XX/XX/2022 EMERALD AR SYSTEMS communicated with me without my direct consent nor by consent of court order and stated I owed an alleged debt ; violation of FDCPA, ( 1692c & 1692b ). EMERALD AR SYSTEMS used their symbol/logo on the contents of mail ; violation of FDCPA ( 1692b ). These are means of unfair practices/means to attempt to collect as its not authorized by a valid agreement between myself and EMERALD AR SYSTEMS ; violation of FDCPA ( 1692f ). EMERALD AR SYSTEMS has violated my HIPPA rights, right to privacy and created an account in their system with my name, address, date of birth, and any other personally identifiable information without my consent ; constituting ID theft. 
On or around XX/XX/2022, I sent a Formal Notice via certified mail for debt validation and to cease collection if EMERALD AR SYSTEMS could not provide the documents I requested. 
To date, EMERALD AR SYSTEMS has not complied in providing the documentation.
Product: Credit card

I signed up for a promotional offer, but my registration was not processed by American Express because of an error on American Express 's end. I was not aware my registration was processed by American Express at that time. The offer was for XXXX starpoints for {$10000.00} spending ( broken into XXXX increments ). After almost completing the spend, I called American Express to see when I could expect the points and they told me I had not signed up for the offer and they had a lot of technical difficulties in the past for this offer. I was told to finish up the {$10000.00} spending and they would backdate the purchases and I would receive the bonus. Another phone call later, and the customer service representative said XXXX of the bonus was pending to my account and was from this bonus spend. I would later find out, by calling the 3rd party bonus program, that these XXXX points were from referral bonuses unrelated to the {$10000.00} spending incentive. Six calls over the course of two months telling me that the points were pending and would be given once the next statement closed, multiple online chats, long hold times, and disconnected calls later and I was told they could not back date my purchases and I would receive no bonus points.
Product: Payday loan, title loan, personal loan, or advance loan

Company states I still owe on a 2yr loan that I have been paying on for 5yrs
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I made and international transfer of {$73.00} at XXXX EST. 
Today is XX/XX/2022 and the recipient has not received the money yet. 
I have made several calls to Remitly to resolve this issue and they have not. 
I have also asked them to cancel the transaction and refund my money, they have failed to do that. I need help to get my money back.
Product: Vehicle loan or lease

I purchased Gap Insurance for my XXXX XXXX XXXX. My car was a total lost by XXXX insured : XXXX XXXX ( Claim number : XXXX ) Date of loss : XX/XX/XXXX Date of mailing : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked XXXX to submit salvage amount. XXXX has completed request last year. XXXX XXXX XXXX XXXX , XXXX has not made the adjustment to my credit report. They have the police report and has allowed the car to remain at the tow yard since XXXX. 

I can provide correspondence of me asking what next and schedule phone calls. XXXX XXXX XXXX XXXX , XXXX has not reached out. 

" Dear XXXX XXXX XXXX, XXXX : Per our conversation today XX/XX/XXXX I am confirming XXXX XXXX XXXX did `` not '' owner retain the XXXX XXXX XXXX Vin # XXXX. There was a Policy Limits issue. Our insured 's policy limits was a policy max of {$5000.00}. We did " not '' pick up the vehicle from XXXX XXXX XXXX. The settlement letter reflects a salvage amount, however XXXX XXXX did " not '' retain the vehicle, and XXXX did not salvage the vehicle. This vehicle was not picked up due to avoiding any of the {$5000.00} being reduced from CarMax 's amount. The max was paid to CarMax. No salvage was taken, I do understand it is listed in my breakdown, it is listed to show what the salvage " could have been '' only. 

Sincerely, XXXX XXXX Claims Team XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I am reporting an issue I am having with US Bank Fraud Department. 

I reported check fraud XX/XX/XXXX in the amount of {$68000.00}. I have been reimbursed {$1500.00} by US Bank as part of provisional credit. On XX/XX/XXXX, I received a letter stating I'm approved to receive {$60000.00}. On XX/XX/XXXX, I was asked to submit my drivers license. I submitted it and it was recorded by US Bank it was received. I contacted the fraud department XX/XX/XXXX and was told on XX/XX/XXXX, US Bank denied my claim stating the signature on my drivers license matched all the signatures on the checks therefore the claim has been denied. 

It was my understanding I was approved to receive {$60000.00} based on the letter I received from US Bank. It seems wrong to me to deny a claim after stating I was approved to receive this amount.
Product: Mortgage

XXXX, Discover Home Loans wrote me several letters saying they did not have my homeowners insurance on record. I have homeowners insurance and I sent them the information for it. After a lot of back and forth, they admitted to receiving it after first denying that i had sent it. 

XXXX XXXX. Discover Home Loans is saying they don't have my insurance on file. I sent it to them again on XXXX. Today, XXXX i received a demand letter intimidating me into sending them more information to some third party. i sent them my proof of homeowners insurance to the Upload Documents section of their website that is marked " INSURANCE ''. they have the information. they keep losing it and sending me letters. i want this to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXBalance : {$0.00}
Product: Vehicle loan or lease

Global lending service is reporting a charged off auto loan on my credit reports that I have been disputing for some time now. I have sent them a letter over 30 days ago requesting validation of this debt and never received any documents or communication regarding this account. However when this account was disputed with the credit bureaus as well, XXXX found that there was not valid proof for this account and deleted it from my report. If all XXXX bureaus get their information from the same place how is it that XXXX and XXXX is able to verify this debt? How is it that I am left with low credit scores when Global lending service has ignored my dispute? This account should be deleted from my reports now!
Product: Student loan

I finished graduate school and my loans were due again. The payment was {$450.00} not including the new loans from my XXXX degree. I called to ensure my income repayment plan was in place in XXXX of 2019. They informed it was in place and my payment would be lowered and to wait for the system to properly apply my repayment plan. I sent two {$200.00} payments during this time to show I was attempting to repay the loan. After two months I owed the company {$800.00}. I called In XXXX of 2019 to see if my plan would be updated. They informed me that there was no plan in processing. I asked for options and they suggested a graduated repayment plan and we agreed on a payment I could afford. In XXXX, I called to confirm the details again. On XX/XX/XXXX I would pay XXXX to fedloan as part of my repayment plan for both the loans from under graduate and would also include my loans from graduate school. This was what we discussed. On XX/XX/XXXX I logged in to discover I owed Fedloan over {$2000.00} in missed payments and they had been negatively credit reporting me. I had been told once my new plan was in place my account would be brought to current those payments would no longer be owed and negative credit reporting would stop. None of that had happened. Fedloan called me that same week to collect a debt and the employee confirmed the details I had already been told including the cost of the payment, account brought to current, and ending negative credit reporting but that the plan would not take effect until XX/XX/XXXX. I logged in this last week to confirm the details to discover I still owed the company over {$2000.00} in missed payments and a letter saying my payment plan had been denied because I hadnt made three consecutive on time payments. Despite the fact I told them I could afford the payments and that I had been told it wouldnt matter once this plan was put in place. 

This is common with Fedloan. The only recourse offered is usually forbearance where the owed payments its rolled into the principal of the loan. This means if you cant afford payments they elongate your loan by dragging out the approval process to rack up several missed payments which cant be repaid ensuring the borrower will be unable to pay off the loan. Additionally, through negative credit reporting they can prevent you from re-financing because they have hurt your credit. And lastly, I cant move to another loan serviced so Im stuck trying to get an affordable repayment plan with company whose only interest is keeping me trapped in this loan as long as possible. It is impossible to hold them accountable. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not afford a lawyer, but I have tried to fix my credit in every way possible. XXXX, XXXX, and Experian REFUSES to remove items off of my credit report that were CLEARLY identity fraud. I provided police reports on several occasion. Ive sent in copies of my Drivers license, SS card, utility bills, FTC complain forms, detailed account information, AND police Reports ... and EVERY SINGLE form they asked for. ALL they did in return was either deny the claim, or say they never received proof, just like in my previous complaint. I will now move forward and file a complaint with the FTC, and I will look into what other avenues I can pursue. I am trying to sell my home, and buy a new one ... and because my identity was stolen I am STUCK. I need this rectified ASAP. I have done ALL I can do.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding unauthorized hard inquiries on my credit report as a result of identity theft. Despite my attempts to resolve this issue directly with Equifax, the following inquiries remain on my report : 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  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX, XXXX - XX/XX/XXXX These inquiries were not authorized by me, and I believe they are a result of identity theft. I have submitted disputes to Equifax, but despite providing supporting documentation, including an identity theft report, these inquiries remain on my credit report. 

Actions Taken : On multiple occasions, I have submitted disputes to Equifax, including providing them with documentation to support my claims of identity theft. 
I also followed up with Equifaxs dispute resolution team, requesting removal of the unauthorized inquiries as mandated under the Fair Credit Reporting Act ( FCRA ). 
However, Equifax has either failed to remove the inquiries or deemed them verified as reported, despite my protests and the clear lack of authorization. 

These unauthorized inquiries negatively affect my credit standing and create an inaccurate representation of my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), Equifax is required to correct or remove information that is inaccurate or unverifiable. The reporting agencies are also responsible for conducting thorough investigations when a dispute is filed.