23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My private student loan was through Discover but has been handled by XXXX XXXX XXXX. A payment of {$900.00} was made on XX/XX/XXXX to XXXX XXXX for this student loan. Then we received a letter that Discover was taking over the loan servicing. The {$900.00} was not credited to my account. We spoke with " XXXX '' at Discover on XX/XX/XXXX and she contacted XXXX XXXX who confirmed we did make the payment. We were told to upload the receipt and bank statement showing we had made the payment to Discover and they would subtract the {$900.00} from the minimum amount due. She gave us the amount the new balance would be. They never subtracted the {$900.00} from the minimum balance due. We spoke with " XXXX '' on XX/XX/XXXX, " XXXX '' on XX/XX/XXXX, and " XXXX XXXX '', a supervisor on XX/XX/XXXX. She told me she had to get information from headquarters to figure it out. I have left messages for XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. She has not returned my phone calls. Essentially, they took the {$900.00} from our bank account and did not subtract it from the minimum balance due. It is as if we never gave them the money. Each time we have made other payments, the amount of the payment is automatically subtracted from the balance due. But they refuse to do it for the {$900.00} payment.
Product: Vehicle loan or lease

Filed form XXXX per IRS. Revoked POA I am the beneficiary/ holder in due course.
Product: Debt collection

I was involved in an no fault XXXX accident, substantiated minor injuries resulted me going to the hospital. I was assigned a Representative for XXXX XXXX whom I spoken to several times in the past and was informed that all medical bills will be paid thorough XXXX XXXX. I shared that information with all the parties involved with the accident and yet it is still on my credit report. Doctors XXXX service.
Product: Checking or savings account

On XX/XX/2021 received 5 different debit cards for different checking accounts that were opened in my name thru Charles Schwab Bank. I have contacted them, they stated they would close the accounts and report the fraud.
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. 
XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX/XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX/XXXX Account # XXXX, XXXX Account # XXXX, XXXX/XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Ref # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX and Account # XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX 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 an 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: Debt collection

This account was opened without my authorization. I don't recognize this account. I called XXXX XXXX  and they determined it's not mine. I also requested a signed contract which doesn't exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX XXXX  XXXX, XXXX XXXX, and LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Student loan

I am trying to contact the servicer for my student loans MOHELA. I was recently transferred to this servicer. Each time that I try to call the servicer for my issue the phone tree gives a nearly 3 minute message about call volumes and then says transferring to an agent. The system then disconnects. I have called on multiple occasions. 

I have attached a screen shot of my payment summary. I submitted a payment of {$2500.00} total. I wanted to pay off loan number 5. And I wanted the rest of the money to go to the interest/principle outstanding to loan # 1 so it can be paid off sooner ( {$1200.00} ). I don't want any of it to be applied to loan # 2 My employer is paying me XXXX month specifically for my loans so it is important to me that this money be applied correctly. It was not clear to me from the website how to do this. Additionally there is no transparency from MOHELA as to how they apply funds. Without being able to talk to anyone from MOHELA it isn't easy ( or timely ) to correct these issues.
Product: Credit card

I hope this will be the final CFPB report I need to file, and that AMEX will demonstrate mutual understanding before I pursue further legal action. As a consumer, I have the right to have my complaint handled seriously by AMEX. We have reached this point because AMEX has been responding to my complaints with automated messages each month without investigating the new information I have provided. 

Regarding dispute XXXX, I am seeking clarification on why this dispute was not resolved in my favor. I have obtained diagnostic reports from three separate mechanics from different companies, all indicating that the car was not repaired as claimed. The engine was not changed as stated. Furthermore, the merchant informed me that AMEX never contacted them after XX/XX/2023, despite my submission of new information in XXXX, XXXX, XXXX, XXXX, and through multiple CFPB reports. The text that the merchants provided even further proves my point. 


For dispute XXXX, I accept the resolution. 

For dispute XXXX the merchant ALLOWED me to return after 30 days. I was out of the country in XX/XX/XXXX when the refund was filed so they gave me the return label at XX/XX/XXXX saying that I would just need to return within that month. The email that the merchant made an exception was provided in the email I sent to Amex. 

I did not receive {$2400.00} more than what was billed. 
For dispute XXXX I paid XXXX downpayment and XXXX towards the loan XXXX total and got back a total of XXXX. I was missing XXXX. I did not treceive XXXX additional. Please make this right. 

Please call me to make this right. Thanks
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did not make the charges listed. I ask that the items be deleted to correct my credit report at the earliest convenience. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

I filed complaint XXXX with the Office of the Comptroller of the Currency. They informed me that they are transferring that complaint to you. 

In XXXX I took out mortgage XXXX on commercial real estate from Chase. They ordered an appraisal. I was charged for that appraisal and other fees at closing and {$2200.00} was paid in escrow to cover those costs. Chase or their assignees apparently mishandled those funds and they ended up in unclaimed funds with the state of XXXX. In XXXX when I made Chase aware of the unclaimed funds, they removed {$2200.00} ( which I did not owe ) from my loan account and told me to get the money back from unclaimed funds. However, since Chase refused to issue a letter supporting my claim, I was unable to do so. Now they tell me that they will retrieve the funds from the state, but it will take months to do and they will not refund to me until that is complete. 

I have worked with my local representative, XXXX XXXX as well as XXXX from the XXXX XXXX at Chase ( XXXX x XXXX ) and others but to no avail. 

Chase should have never charged me a second time. When they became aware of the situation, they should have refunded my money and worked to correct their error, but instead they have made their error cost me time and money. 

The amount may not be large, but the precedent of allowing a bank to simply take money from a clients account with no legitimate reason is huge. Regulatory agencies exist to prevent just this sort of abuse. So, please, help me get Chase to refund my money immediately, with appropriate interest and compensation for the excessive amount of time Ive had to spend on this. And, of course, please help them correct their systems so they are not stealing from their clients in the future.
Product: Prepaid card

On XX/XX/XXXX I was charged a {$20.00} monthly fee and on XX/XX/XXXX I was charged a {$14.00} monthly fee. That's {$35.00} in monthly fees in a 5 day period which resulted in taking everything out of my account. That's unfair and deceptive practices.
Product: Credit reporting or other personal consumer reports

Innacurate information is being reported on my Equifax Credit file
Product: Credit reporting or other personal consumer reports

Credit Corp. solutions is receiving monthly payments and has agreed to a settlement amount, however is not reporting any information to the credit bureaus. The accounts on my credit reports are stating still in collection with no payments. Ive disputed information with all three credit bureaus, and they are not updating the information.
Product: Mortgage

So back in XXXX I did a refinance mortgage fha with a company XXXX XXXX. The loan was bought by freedom and paid to freedom starting XX/XX/XXXX. As I was paying freedom I received XXXX mails and calls from XXXX saying their was a compliance issue and they need me to do another refinance left v mails they would make it fruitful and emails I have all. I called freedom they said nothing was wrong XXXX my mortgage. I continue to pay and XX/XX/XXXX I called freedom to make payment they said the loan was sent back to original loan officer at XXXX and should I have gotten a letter or call. Which I didnt. Then XXXX XXXXXXXX XXXX called me to meet. I met with him a another loan XXXX XXXX cabals. My husband and another attorney XXXX XXXX they proceeded to tell us their was a compliance issue XXXX original refinance and we needed to do another one and they would make it beneficial to me. I refused and contacted the fbi and got a attorney. The company attorney for them was XXXX and he kept calling me to tell me they will give me XXXX months free. I said call my XXXX. Me and my son XXXX XXXX met with the fbi in XXXX. Gave them flash drive all documents. Im XXXX office in ny. I have never received anything from this company. I have been paying my own home owners and taxes I have all proof. Now I have a attorney XXXX XXXX PC XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX phone XXXX. I retained him XXXX his been working on my mortgage fraud case since. Now we have a company reporting on our credit report BSI financials XXXX XXXX XXXX XXXX XXXX PA XXXX. Phone XXXX. XXXX they own my loan which they couldnt. Cause Im In Supreme Court with XXXX contact my attorney. They keep changing things saying amounts are ridiculous and Im In foreclosure which im not and then sat delinquent status missed payments from XX/XX/XXXX. I have never received paperwork or anything in mail at all this company then changes says deed in leu. Then says bank liquidation. I have police reports on them I submitted to credit bureaus also This company puts conventional loan which is not. Both company are in violation of nys mortgage laws and also fha violations and consumer mortgage violations. XXXX also made the mistake and recorded XXXX different things on my deed. They also stole XXXX from me. I paid to have my husband added on deed At original refinance. They took advantage of me during this whole Process of mortgage fraud. Im fighting them in Supreme Court. I would Like XXXX XXXX off my experian report. As I have XXXX Police reports not from any state troopers They are the only Ones that are refusing to take off and this is violating the police report and my credit rights. I also had a report with CFPB back in XXXX with a XXXX. Who didnt ever get back to me just dropped off the report was against XXXX XXXX XXXX XXXX can look up. My name
Product: Checking or savings account

Hello, I received a phone call on Friday XX/XX/XXXX from a lady named XXXX XXXX she told me she was working with a collection company for US Bank and I needed to call this number in order to fix my situation or they were going to freeze my assets and get a hold of my HR at my job. The number she wanted me to call is XXXX XXXX XXXX. This lady stated in my voicemail that I still have by the way, to clear my checking account problem soon and it's from XX/XX/XXXX. I didn't receive my voicemail until Saturday morning XX/XX/XXXX at that time I called the number she left on my voicemail I reached a guy named XXXX XXXX from phone number XXXX XXXX at extension XXXX. Then he proceeded to tell me we were being recorded as we were talking and he can use this for court purposes he told me I need to clear up this matter that I had US Bank and I supposedly wrote a check for {$24.00} and it went into overdraft and he stated they forced closed my checking account in XX/XX/XXXX mind you XXXX XXXX told me it was from XX/XX/XXXX. Me being scammed and a victim of identity theft I also have the XXXX XXXX monitoring my credit because I.work for the XXXX XXXX. I checked into this to find out it was a scam and l was to go report this. They were asking me for {$2700.00} I told him I was not paying anything until I found out if this was legit he advised me to call back as soon as possible to fix this matter or my assets will be froze! I also told him I had my account at US Bank till XX/XX/XXXX that he was a lier!!!! I did not give him any personal info! I'm so sick and tired of these scammers trying to rip off hard working people! Please find them and prosecute them. I'm also looking into an attorney to sue them. Thank you
Product: Credit card or prepaid card

Based on a promotional offer 'Citi-flex-plan XXXX, I set up a low-interest payment plan on a charge I made on my credit card. I have made those payments on time monthly and understand that if I pay off this balance earlier I will still be responsible for the 6.99 % interest charge for the entire period even though the balance is XXXX. 

A few months later, I received a 0 % offer from Citibank for 4 months. I decided to take advantage of this as well. However, now the balance is due on XX/XX/21 to avoid retroactive interest. I knew this was the due date when I took the offer but also intended to pay it off in full to avoid the interest. 

So on XXXX, after I satisfied my Citi-Flex-Plan payment, I made an extra payment of {$5300.00} only to discover that Citibank has posted it against the flex plan first and not against the balance of XXXX due on XX/XX/21. When I called them to ask them about this, they said that the payment went towards my Citi-Flex-Plan despite my not wanting it to. When I asked why they said because it has a higher interest rate. But that does not make sense because if I pay it off earlier or not I still pay 100 % of the interest. 

I asked them to reapply it to the other balance and they refused and told me I had to pay off my balance in full to avoid paying interest on the XXXX due on XXXX. This is totally wrong and designed to ensure I pay interest on the entire balance of XXXX. I can't avoid interest on the Citi-Flex plan regardless of if it's paid off early or not and they are now requiring payment in full ALL AT ONCE to not incur interest on the interest-free portion. 

This was never disclosed to me at the time I took the loan and feels like its a trick or evasive tactic to ensure they get more interest from an offer they made that was interest-free if paid by XX/XX/21. 

Furthermore, my bill isn't due until the XXXX of the month but I now must pay off my entire balance of XXXX in full- which includes the Citi-Flex-Plan to not incur interest on the XXXX. 

I am so tired of these large credit card companies playing tricks like this. I should be able to make additional payments and have it post where I want as long as I am current. Now I have to pay them even more to avoid interest which was never disclosed to me. SO WRONG. Shame on you Citibank.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ) and TransUnion, I hope this message finds you well. I am writing to bring a serious matter to your attention regarding my credit report and the actions of TransUnion. 

Recently, I discovered that TransUnion has placed a block on my ability to access my credit report simply due to an ongoing investigation. While I appreciate the need for thorough investigations, this denial of access is causing significant distress. Notably, TransUnion continues to report items on my credit and grants access to third parties, while I, the rightful owner of the credit profile, am being denied access. 

I find this situation concerning and, in my experience, unprecedented. I have disputed items on my credit report multiple times in the past, and at no point was I denied access during those disputes. The selective denial of access now, especially considering that TransUnion is still reporting on my credit, raises suspicions of retaliation. 

I urge you to intervene and rectify this situation immediately. Denying me access to my credit report while simultaneously allowing reporting and inquiries by others is not only unjust but also may violate consumer rights. If this matter is not promptly addressed, I may be compelled to take legal action to protect my rights and seek a resolution to this issue. 

I appreciate your prompt attention to this matter and look forward to a swift resolution.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. We to equa ustomer 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 a 0:3 2vas unfair anu deceptive, as they : & not '' comply with error resolution requirements under the Electronic Fund 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 card

On XX/XX/XXXX, I made an agreement with Chase to keep my XXXX XXXX card open due to them offering me a {$150.00} statement credit retention offer. It has been over 2 months and they have not kept their end of the agreement and have not given me the {$150.00}. They also have been sloppy when it comes to record keeping, telling me I have already received the {$150.00}, even so far as sending me a letter, when in fact, the retention offer they were referring to was from XX/XX/XXXX... not XXXX. I have had to call nearly each week since XX/XX/XXXX. I have spoken to many supervisors, some knowledgeable and some not, and some just downright rude. One supervisor who I spoke to in XXXX, named XXXX, agreed with me, that this is due to a Chase XXXX error. He apparently sent an escalation but nothing ever became of it. Several others supervisors refused to go out of their way like he did and just keep telling me to keep waiting. I have even had one supervisor literally hang up on me, very unprofessional. The reason I have not received the {$150.00} is due to a Chase IT error of which there have been some other posts I have read online of this same thing happening to other people. People who asked for retention offers in XXXX are having the same thing happen. They are not getting their retention posted to their account. One supervisor, named XXXX, " insisted '' the {$150.00} would be there on XX/XX/XXXX. It was not. I emailed Chase again on XXXX XXXX and they have not responded. I just called again tonight, XX/XX/XXXX, and spoke to a supervisor named XXXX. She also refused to take action and just told me to wait. Chase owes me {$150.00}. The amount I have had to spend calling and writing is beyond ridiculous at this point. They have breached their agreement. I am demanding that they pay me my {$150.00} that they have owed me since XX/XX/XXXX.
Product: Credit card

On XXXX XXXX 2017 My family member mailed a check via USPS-to Citi card, as payment to my account. On XXXX XXXX this check was cashed by citi card bank. I have an email copy of the check showing this. By XXXX XXXX my account had yet to be credited. On XXXX XXXX I call to speak with a supervisor, who is unable to find the payment. She tells me I must open a payment investigation & asks for all the info on the check-which I provide. I am told citi card will locate the check & credit the account within 4-5 days. She also informs me a conditional credit will be made until it is found. 

On XXXX XXXX I receive a letter from citi card requesting additional copies of both sides of the check, and complete bank statements -which I do not have access to ( as the check-was sent by a family member from a different state ) The letter threatens to erase the conditional credit & re-bill my account if I do not provide info by XXXX XXXX. Wow, Re-bill my own account a payment-which was already sent to them, received & cashed by them! 

Also note : This is my second payment investigation with citi card in 6 months. Another check I mailed was similarly cashed immediately but NEVER posted to my account. When I contacted them, they claimed it " lost '' and unable to be found for 6 months. Payment investigation involved a lengthy, time consuming, and costly process- requiring numberous faxes, service fees, phone calls & mailed documents to get my own check posted my to my own account. I am seeing a rather atrocious pattern of mishandling of payments. 

I have been a long time customer, making timely payments for years, with a good credit score. Citi bank does not seem capable of quickly crediting my account for the amount I sent, with the information I already provided to them. I am currently on XXXX and undergoing medical treatment, and no longer feel at this point they are capable of resolving this issue easily -which is what I expect from this company and why I have reached out here. 
Thank you