23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have tried to get this resolved but it has caused delays so that I think my original complaint has not been answered. I want to know where the figures that XXXX is trying to ruin my credit came from. They only sent me a list of charges sent them, no explanation where they came from. 
I received the amounts submitted to XXXX. But did not receive the paperwork that told me what each charge was from. How did they get these numbers that was sent to them. They also sent me a closed school form. I filled it out and got a response of no turned down. I am questioning where these figures came from because they are strange and my classes were not this much. XXXX courses x XXXX & XXXX pell grant do not add up to this. I want to know where these figures came from? Not just the amounts given to them which are wrong. The amounts and dates are not right. 

I gave them all of my paperwork for XXXX for XXXX form I got turned down, because there was n't a review date and I did n't have a doctors note. I do n't have a review date because XXXX They need to get it broken down so I can see where these figures came from.The dates amounts do not make sense. 
XXXX XXXX closed, I never got my degree, Was told they were closed for stealing student money.
Product: Credit card or prepaid card

I was approved for a GM Rewards ( issued by Marcus by Goldman ) credit card in XXXX XXXX XXXX. I wanted to take advantage of the 9 month interest-free period, so I attempted to immediately charge a vacation using the virtual card provided to me on the website. The charge was declined multiple times. The physical card came to me in the mail but I was unable to activate it. This is because on the website, it said my card was " restricted ''. Over the next 3 weeks, I made 3 calls in an attempt to remove this restriction so that I may use the card. I spent approximately 9 hours on hold. Each time I was told that they could not help me, but someone would be calling my cell phone to speak with me to rectify this. I received zero phone calls. On XX/XX/XXXX, I did a 3 hour online chat with XXXX XXXX XXXX. She claimed that there were XXXX levels to my restriction and she was unable to get through all of them. I was then told, again, that someone would be calling me. They have not. I have lost time of the interest-free period I could have been using to pay off my vacation. I have also sustained damage to my credit score for the inquiry to be approved for this card that I am unable to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refer to complaint # XXXX Which you closed saying you already processed this and yes same problem different collection agency and XXXX. 
XXXX is reporting 2 collection accounts that were removed when another agency reported it now a new agency is reporting the same information they are trying to collect a discharged student loan and Pell grant and not actually investigating my problem Now you closed my complaint without action who do I ask for help now if you ignore the problem. 
Please re-open the last 2 complaint # XXXX # XXXX I am filing the complaint for myself and need your assistance
Product: Credit card

I have two cards under synchrony. One with synchrony Amazon and the other with synchrony tire. Originally I was approved for about XXXX  on XXXX card and XXXX on the other as my credit limit. Both accounts are current. However, everytime I kept lowering the balance on each card, synchrony would lower my credit limit. So while I was trying to lower my over all utilization when I would get it down to 30 % or less synchrony would then lower my credit limit and therefore make my credit utilization to over 50 % or more. The more I pay down the balance, the more they keep lowering the credit limit. When they do that, it drops my credit score as well. I don't think that is right. Whats the point of trying to get credit if thats how its working. I just want these accounts closed at this point.
Product: Credit card

Hi, I want to file a complaint against American Express about their misleading e-mail notification and misleading customer service response. It might be helpful to other customers who experience similar situations to consider applying an American Express Credit card. 

On XXXX XXXX I opened a XXXX XXXX Credit card which is the second credit card under my online account with American Express. The first credit card is XXXX XXXX XXXX. However, I was not aware that the auto payment was not set up in my new account and I never acknowledged that this account payment was overdue. 

There was never a mail or phone call to make me aware that my account was overdue, although they do have a lot of e-mails spamming my e-mail address with promotional offers. 

On XX/XX/XXXX, I found an e-mail saying my account was overdue but after I clicked on the email multiple times, it always redirected me to my old account which has XXXX in the overall balance. I thought it was a technical error but I proactively talked with an online agent, but the online agent cut off the connection and left me with no responses. 

On XX/XX/XXXX, I talked to customer service again and I realized the overdue happened on my new XXXX XXXX Credit card. The agent said, " Shall I process the payment for you and notate your account right away? '' and I responded, " I can set up auto payment on that ''. The agent then said, " Post that you will be all set. XXXX is indeed the best solution. '' On XX/XX/XXXX, I found the payment had not gone through with auto pay and I manually made the payment of {$1000.00} to avoid more troubles. 

Around XX/XX/XXXX, I was concerned about my credit score and I made a call to the American Express Credit Bureau department. The agent told me, that all penalties were waived already and the late mark would be removed from my credit report, and they asked me to check on XX/XX/XXXX. 

On XX/XX/XXXX, I found a late mark on my credit report and I made a call to the American Express Credit Bureau department again, but then I was told nothing they can do on their end. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/year> I received an email from resurgent debt collection threatening me with legal action on behalf of lvnv funding. I received an email last month on XX/XX/year> from XXXX debt collection for the same debt for the same company lvnv funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of identity file without consent in violation of FDCPA.
Product: Credit card or prepaid card

On XX/XX/XXXX I was notified that my credit score went down by XXXX points due to a late payment at Macy 's. In XXXX of XXXX, my account was hacked and I updated my Macys app to a new bank account number. 
Unbeknownst to me, Macys removes me from auto payments since they tried to make one and it was sent back to the bank.

I called Macys to remove the credit report because : 1. I was not notified they pulled me from auto pay.

2. No attempt was made to contact me.

3. No letter was sent to me notifying me of any issues. 
When I called Macys the gentleman I spoke to told me I was not set up for auto pay. So we set that up and set up paperless statements. 
When I spoke to Macys, 1 day later ( I was informed no one could help me until the payment cleared ) I was informed that I had paperless statements that it was my job to open them. 
I explained I just set that up yesterday. 
She explained that they sent to me numerous notices. I asked what they were and she said : 1. We called you. I had no voicemails. She said all calls were unanswered with no message left. They never left a message!

2. They said they mailed me late notices. I said to where? She gave me an address I have not lived at for 11/2 years. I then asked how come I changed my address in my Macys app and you guys have sent me multiple products to my new address and you don't have it? She told me that the app does not speak to my " account '' so they had my old address. 
All of there reasons are unacceptable, to say the least. 
A consumer by law must be notified if they are going to be sent to collections for late payments. 

Nothing was sent to me and no call from them left a message. 

This single incident and their carelessness cost me a decrease in my credit of XXXX points. Which will cost me XXXX  of dollars in the upcoming years. They did not do their due diligence and it must be fixed. Please help. They have said their investigation shows no error on their part. They even sent me a copy of the letter they mailed to the wrong address PROVING they made the error and they refuse to budge. 

I can prove every inconsistency in their letter to me. I have proof that two of my bank accounts were hacked and had to be changed. In their letter to me they state that my auto pay was only set up in XXXX and that is incorrect. That was my bank 's first hack resulting in closing an account I had for over 20 years. 

I was not notified of an issue of none payment, as I continued shopping and buying items with no notification. Their letter to me is inaccurate and false. 

Please help.
Product: Checking or savings account

I made 2 cash deposits at the ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 in the afternoon sometime. 
The first deposit of {$1000.00} went in fine with out trouble. The 2nd deposit of {$840.00} did not show as being counted or put in to the account. I immediately talked to a XXXX who was standing there and she said to call the number on the Atm and file a claim. She said the Atm is reconciled twice a week and was reconciled earlier that day, and would not be reconciled again until the next Mon. or Tue. I called and filed a claim. I have called several times and asked for updates. Today I got a message that said the the investigation to my claim was inconclusive. 
My claim XXXX XXXX XXXX  The Atm XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress.

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Bank account or service

Complaint Source : ChexSystems -- a reporting source to the financial institutions in reporting consumer data activity adverse and derogatory. ChexSystems provides similar services as an official credit / credit reporting agency. 
ChexSystems - Consumer Relations in XXXX, MN provides consumer reports with an ID # XXXX -- dated report received XXXX XXXX, XXXX for consumer XXXX XXXX -Social Security # XXXX. 
ChexSystems listed inquiries pertaining said consumer ; and listed Personal information as a profile and adverse reported information from its merchants, members, subscribers, creditors etc. 
ChexSystems has listed data provided to them by XXXX Bank on this consumer report. Consumer has disputed said data several times with ChexSystems. ChexSystems claims they investigate the data with the source / creditor / institution and provide a similar dispute investigation as credit bureaus to consumers. ChexSystems received a dispute letter XXXX XXXX, from consumer in relation to items listed by XXXX Bank ; which are in error and possibly the statue of limitations have expired. ChexSystems, does not remove the data nor do they intervene in any dispute ; unless the source provider makes modifications and rermove data. Therefore, leaving the consumer with no alternative nor option to repair, recover and/or remove said data. 
Consumer has requested ChexSystems to provide documentation, data details and vigorously investigate the dispute. All ChexSystems, have provided ; is the verification of name, address, SS # and the information as accurate within the ( FI ) financial institution ( s ). 
Consumer contends ChexSystems, damages consumer 's ability to regain financial or banking services due to data on their reports. If the data is inaccurate other than making notation of the dispute ; investigate the matter and remove it ; within the statue of limitations, and/or remove the data if it is n't factual. ChexSystems, is n't taking responsibility for errors in data provided to them ; however, is n't taking measures to correct, repair and validate the data either. 
ChexSystems ; provides adverse / derogatory data about consumers from their database sometimes ; without evidence ; other than data received from subscribers, merchants, creditors, or members of ChexSystems. -- The consumer is left with no other option ; than to suffer the consequences from this information as reported. Mostly, if its outdated, in error and without merit. 
Consumer contends ChexSystems should remove adverse data from consumer 's file until disputes are validated, investigated and cleared by said institution, creditor, vendor, merchant, subscriber etc. Moreover, ChexSystems should be held accountable for damages incurred to consumer for reporting invalid, erroneous, inaccurate, unsubstantial data against a consumer. 
Consumer has requested ChexSystems to remove data which is outdated and/or expired statute of limitations. To date, XXXX XXXX ; neither ChexSystems nor the reporting source have accomplished this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint again XX/XX/2023. Some of the negative items got deleted but there are some who are still reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER been past 30 days late on my  XXXX  credit card and all  XXXX  agencies are reporting a late payment, this is wrong
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

I have attached my Identity Theft Report for Supporting Docs XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I consolidated my student loans to get on track for PSLF back in XXXX of XXXX and am now a victim of Mohela 's bad management. The lawsuits filed against them directly outline my experience. My monthly payment tripled, I owe even more than before ( after paying for 15 years ). I applied for XXXX  after being told that I would automatically be re-enrolled in XXXX  and have been told that those applications are on hold " indefinitely '' because of the court cases against them. I reapplied for IBR today, XX/XX/XXXX through the XXXX  website. 

On XX/XX/XXXX I called Mohela ( after making two huge monthly payments of over {$1000.00} ) and I was put on hold and was in one of their " doom loops '' for 43 minutes. The entire phone call took 54 minutes and XXXX could provide me with no information except that all applications were on " hold '' due to the court cases and that I would be placed on an administrative forbearance until XX/XX/XXXX and that this would NOT affect my PSLF  application and amount of payments made over the last 15 years. Additionally, I have to call back on XX/XX/XXXX to check on the status of my XXXX  application and potentially be put in another forbearance. 

I called Mohela XX/XX/XXXX about my PSLF app after receiving a paper acknowledgment of my application and was told that they " don't have it '' and I have to re do the application. I re-did the application and have emailed my former employers to gain their electronic signatures. It is pending on the FSA website. 

I borrowed approximately {$70000.00} from XXXX to attend graduate school. I have been repaying my loans since XXXX and I currently owe over {$140000.00}. I have been a XXXX  for almost XXXX  years.
Product: Mortgage

BAC LN XXXX  XXXX XXXX XXXX, XXXX XXXX  CA XXXX   XXXX XXXX XXXX XXXX  The homeowner is DEAD. I have faxed in the authorization, copy of death certificate, and the probate paperwork. ( see attached ) Bank of America is REFUSING TO PROVIDE A PAYOFF DEMAND TO ME AS THE AUTHORIZED THIRD PARTY.

WHY is Bank of America allowed to do this -- - isnt this ILLEGAL????????????????

I want a payoff demand immediately and without further delay.
Product: Credit card

I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time
Product: Credit card

I have unrecognized movements in my report, they opened ditches with my information. 

caXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an inaccurate account being reported on my credit report. I started an investigation with TransUnion to remove it off of my credit report. It's been 32 days as of today and they still haven't ended the investigation on it. they have violated FCRA 15 U.S. Code 1681i.
Product: Credit card

I have been receiving multiple calls from unknown numbers claiming that they can lower the interest rate on my credit card to XXXX. When I picked up, they said their name and company name so fast, I could barely hear it and proceeded to ask me questions about the last XXXX digits on my social, how much money I owe on the card, my credit limit, my name, and the last XXXX numbers on my credit card. After I gave her all the information, she immediately hung up. The phone number was XXXX and they were calling from XXXX Fl. When I try to call back, it immediately hangs up. That 's when I realized this might be a scam.
Product: Debt collection

Over three years ago someone at or through XXXX Bank transferred money from my citibank NA charge card,,, I notified citibank of this authorize transferee they did nothing to stop it and two other ones. I canceled their card and paid what I owe them. Now they are using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect this illegally transferred money. They call daily event on the weekends and keep sending mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 yrs loan with 5 yreas fix then as of XX/XX/XXXX was changing to adjustable rate with rate much higher like 5.5 %. Therefore I applied on XX/XX/XXXX for loan modification. That time my XXXX was XXXX & I was plan to either modifying my loan because fed rate was 2 %. I filed for modification filed application & provided all requested documents to my lender Mr. COOPER. I was calling lender every month & they said we are processing. Then after 5 months I had to hire a modification company & pay them {$1200.00} every month and ask them to help me for my modification. That company provided all documents to lender and call them every week too. But lender took 14 months to denied my modification without any reasons but they told me our policy is not to modify loan but we can put you for forberance plan. I was very upset, because as of XX/XX/XXXX the lender raised my interest rate to 5.5 % & my monthly payment from {$3900.00} jumped to double {$6500.00}. Again I called them every month & informed them because I have XXXX XXXX & XXXX XXXX I am in XXXX I wanted to modify or refinancing my loan to be able to pay my morgage in full but they ignored me, then as of XX/XX/XXXX I have to pay them {$3500.00} per month which I did every month paying them half payment. In meanwhile the company that helping me for modification & I call lender for result of modification but instead they were accepting my partial payment & telling us we are processing loan documents but the same time lender also reported to credit bureau for delinquency & not paying the payments & charging me late fees. 
It took 14 months to give me the modification result but the same time asking all kind of fees. When I complained to Escalating dept. Customer Service Dept. Collection Dept. But all managers told me we apologize, we are sorry we made mistakes but I asked them then correcting my credit report which my XXXX now is XXXX & I can not asking refinancing or to any other bank applying any loan because every body don't even look at my documents & the first thing they said your XXXX is very low & you have deliquents & late mortgage payments. 
Also from XX/XX/XXXX till XX/XX/XXXX, I paid them every month {$3500.00} instead {$6400.00} but they reported to Credit bureau I owed them {$90000.00} plus all fees. 
They are crook and they jipt & robbing me & the same time causing me so much cost for paying to another company for helping me for that modification. I am a disable & senior. They are abusing me with this mortgage & not modifying my loan on time. Lender could tell me in 30 or 60 days they don't want to modify my loan then I had enough time to refinancing or not paying that much to a third company for helping me.