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

To whom it may concern, I am an AMEX member since XXXX, and holder of the AMEX Platinum Charge Card that I pay {$550.00} per year annual fee, but right now am not getting what I am paying for. The reason for this is the AMEX seem to have blocked my loyalty program with them know as Membership Rewards Points. I collect these when making purchases on my card. I currently have a substantial amount of points approx 93k right now. I have had this Platinum Charge Card for a few years now - always paid on time, no late or missed payment and all my accounts with AMEX have and continue to be in good standing. 

I rarely use my Membership Rewards points, and the last time I did was in XXXX this year and transferred only XXXX of them to my linked hotel account ( Hilton ). When I went to do the same thing earlier this month amidst all this COVID-19 chaos to use my Membership Rewards points in an emergency ( the whole reason I have built them up ) I was met with the following message from AMEX on my online account : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I called AMEX, they were extremely unhelpful and no one knows what the issue is. This is unacceptable as is falsified consumer product offering. As mentioned, I am now paying the annual fee which is an extraordinary amount - for a service I am not getting and no one at AMEX knows what is going on, or will help. Someone knows how to unlock this on my account and this is why I am having to file this CFPD report. 

There has been no issues on my account, and a couple months back AMEX were helping me register new loyalty programs with external companies ( like XXXX XXXX, and Hilton Hotels etc. ) to my Membership Rewards account. Seems whatever they may have done may have caused this issue? I don't really know, but I need this rectifying ASAP as I have to use my points in an urgent manner with all this COVID-19 situation. 

It is extremely unfair, unprofessional and against a consumer act the way AMEX have done this and dealt with me, or lack thereof. 

I read on many online forums that AMEX are known for doing this for no reason and that the common process for people has been to contact the CFPD as AMEX are very bad from a customer service perspective on resolving this in a timely manner. 

I spend an average of {$5000.00} a month on this credit card and continue to be a very loyal customer. I have included screenshots of my account, average balance per month, how many Membership Rewards Points I have and also a screenshot of the message AMEX are showing me when trying to use these points. 

Please can someone help me with this and have this rectified. 
Kind Regards, XXXX XXXX
Product: Student loan

In XX/XX/XXXX I graduated from XXXX XXXX XXXX. I borrowed {$58000.00} on a private loan. This amount is key. After graduation and my 6 month grace period I couldn't afford the initial payment of roughly {$400.00} per month. I sent in partial payments but the Sallie Mae/Navient worker on the phone told me they wouldn't accept partial payments. So they advised me to go on a forbearance. They didn't explain fully what would happen to my loan in regards to interest and capitalized interest and accrued interest. I was young and ignorant. They said my payment would go up slightly but hopefully I would be making more money at that point. I ended up putting my loan on an 18 month forbearance. At the end of that they told me I ran out of the option for forbearance so I had to start paying. My payment went from roughly {$400.00} a month to over {$850.00} a month. My disbursement amount on the loan on XX/XX/XXXX was {$96000.00}. So from the time I graduated in XX/XX/XXXX until XX/XX/XXXX my loan went from {$58000.00} to {$96000.00}. That is {$37000.00} more than I borrowed due to capitalized accrued interest. This is my first issue. This is criminal and corrupt. I was blatantly mislead and my monthly payment more than doubled. I had to make these payments because they didn't give me another option. So I had to move my wife and XXXX kids into my in-laws basement for over 18 months just to stay afloat. Here is my second issue. To date I've paid {$67000.00} on the private loan and according to Navient I still owe {$92000.00}. This is criminal. I've paid more than the original amount on my loan before the mislead forbearance. I understand paying interest but this is lunacy. So in 11 years I've paid over {$67000.00} and my loan has only gone down {$3200.00}. Again, this is criminal. At this rate it will literally take me 310 years to pay off the debt. Do the math! This beyond absurd. I've tried talking to Navient but I can't get past their normal hourly paid call center worker. They don't care about me. I need help and relief. I've already paid 112 % of the original amount borrowed yet I owe {$92000.00}. Please somebody help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigate 1 collection l balance : {$2400.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX SUPPLY {$2400.00} Account numberXXXX  Collection openedXXXX XXXX XXXX BalanceLoan Amount {$2400.00} {$2400.00} XXXX  XXXX XXXX  XXXX Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date opened XX/XX/XXXX BalanceCredit Limit {$1600.00} XXXX XXXX XXXX {$2900.00} Paid, closed Account Info Hover over labels for more details Account numberXXXX Date opened XX/XX/XXXX Balance Loan Amount Payment Info Original loan amount {$5500.00} You have 13 inquiries These lenders have accessed your credit file : FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XXXX XXXX XXXX  Removal date : XXXX XXXX XXXX  XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I submitted the first  of XXXX loan modification applications to SLS, only to have each one denied for reasons that were not true. In XX/XX/XXXX and XX/XX/XXXX, following the loss of a job, I submitted what would be the first  of loan modification application packages only to have both of them denied for " incomplete documentation '' even though I included all of the requested documentation that SLS had asked for. In XX/XX/XXXX, I submitted a third loan modification application package tp SLS only to have it be denied for " insufficient income '' even though I submitted more than enough income as both my husband and I can afford the payment on a modified mortgage loan. In XX/XX/XXXX, SLS sent a foreclosure letter to me but not to my husband, even though he co-owns the property with me. In failing to send my husband a copy, SLS violated Section 14 of Chapter 244 of Massachusetts General Laws. Our foreclosure is schedule for XX/XX/XXXX. We need SLS to stop the foreclosure so we can apply for a loan modification with both of our incomes. We feel that SLS is trying to enrich itself with the home equity that we have worked hard to build in our home. Please contact SLS stop the foreclosure on XX/XX/XXXX as we want to keep our home and re-apply for a loan modification. We have no place to go if we lose our home and our family will be forever displaced and homeless as we can not rent due to our credit being harmed. Please help us.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : DIVERSIFIED ADJUSTMENT XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and during XX/XX/XXXX my home in XXXX XXXX FL was destroyed by Hurrican Micheal. My loan with XXXX XXXX was placed into Forbearance starting in XX/XX/XXXX. My home was repaired and livable again in XX/XX/XXXX. At that time loan modification paperwork was done to add the months of forbearance payments to the end of the loan. While the modification paperwork was being completed Dietech Finacial placed my loan in delinquent status showing it 120 days late. I started my payments in XXXX of XXXX during the time while waiting on the loan modification to be completed. I was informed that in XX/XX/XXXX that delinquency was an error and that the error would be corrected and that since it was a state of emergency and a natural disaster that the delinquency was a mistake. I have been unable to reach XXXX XXXX as it filed for Bankruptcy and since that time it has closed down and transferred my loan to XXXX. I have also contacted XXXX  on XXXX XX/XX/XXXX to inquire if they could place an investigation into the negative post on my credit report.
Product: Debt collection

Creditors collections bought the contract from XXXX. XXXX claims I broke the contract with them when in fact XXXX  broke the contract when they sold there company to XXXX. I received a letter from XXXX  telling me to switch to XXXX  so that is what I did also XXXX closed all of there stores. I do not feel I broke the contract when I did what XXXX told me to do it was only after the fact that XXXX told me I would have to buy out my contract if I had been informed of it I would have left it alone. Again I did what XXXX told me to do and that was XXXX is now XXXX   and switch.
Product: Debt collection

Portfolio Recovery called me after not calling me since XXXX. They called my father in Florida today and said " this is an attorney XXXX XXXX at XXXX and she will be filing legal action if she doesn't get a call NOW! 
I just received all 3 of credit reports, all I have is 2 from XXXX that I now found the proof that I paid the bill in XXXX and a judgement from somewhere I have no clue of what it is. 
A ladt named XXXX, called me 2 days ago, she stated she was from Portfolio Recovery and I told her I don't discuss on the phone and to send me anything she has in writing. Now they went and did a search and called my XXXX XXXX XXXX dad in Florida threatening me. They know full well that I have a new cell number bc she called me on it and I just put it on XXXX 3 days before the call came in. 
I have no idea what this debt is either because I have no information on any debt, except the XXXX which Idk how to send the proof.
Product: Mortgage

Key CONTINUES to play us as fools. Latest response letter admits MULTIPLE mistakes just in handling a factually correct response to this Complaint! Now they pretend we dont know why they continue to misstate what the negative financial ramifications are to us due to their mishandling. 

They have NOT disputed that we asked for and were denied our fixed rate option in XX/XX/XXXX. We were sent out to refinance instead of the in-house FIXED RATE REFINANCE. 

From XX/XX/XXXX until XX/XX/XXXX, we made made payments based on the adjustable rate totaling {$12000.00}. We are now paying over the course of 180 months x {$460.00} = {$83000.00}. Added together, we will pay a total of ( +/- ) {$95000.00} HAD THEY DONE WHAT WAS REQUIRED, YES the MONTHLY payment would have been higher as the balance was higher, but we would have paid THOUSANDS less. At at a fixed rate starting with the balance in XXXX XXXX payment would have been ( +/- ) {$510.00} x180 months for a total of XXXX ( +/- ) The difference is in the thousands - not the XXXX bucks theynused as a bandaid thinking we would not know what they are doing. 

{$12000.00} from XX/XX/XXXX - XX/XX/XXXX PLUS 180 x {$460.00} = {$83000.00} from XX/XX/XXXX - XXXX/XXXX XXXX +  {$83000.00} = {$95000.00} Had they done the fixed rate as we REQUESTED we would have paid far less. 
We are still OWED MONEY.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute - XXXX - XXXX To whom it may concern, I am writing to express my utmost dissatisfaction and concern regarding the handling of the account XXXX - XXXX on my credit report. It has recently come to my attention that there are several apparent violations of the Fair Credit Reporting Act ( FCRA ) associated with this account, necessitating immediate action to address these issues. 

I hereby formally request a comprehensive debt validation, inclusive of the following details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account XXXX - XXXX. 

Original Creditor : Clearly state the name and contact information of the original creditor linked to this account. 

Original Open Date : Provide the precise date on which the account XXXX - XXXX was initially established. 

Date of Last Payment : Specify the exact date of the last payment made concerning this account. 

Date Account Was Closed : Indicate the date on which the account XXXX - XXXX was officially closed, if applicable. 

I am fully aware of my rights under the FCRA, and it is evident that there have been lapses in adhering to these obligations in ensuring the accuracy and validity of the information reported by Experian. Therefore, I demand a prompt response and resolution to rectify this matter. 

Failure to comply with this request within [ 15 days ] from the date of this letter will leave me with no alternative but to take legal action to enforce my rights under the FCRA. Consider this letter a formal notice of my intention to do so. 

I anticipate a timely response, along with the requested documentation, to be sent to the CFPB portal. Furthermore, please ensure that any corrections made to my credit report are promptly reflected.
Product: Credit reporting or other personal consumer reports

I've been disputing things on my report since the summer and it's alot of wrong information and wrong addresses plus wrong names on my report and I get email from ( XXXX ) that they are not removing it
Product: Student loan

I am writing to formally dispute the handling of two loan payments I made to Mohela via online payment from my checking account. These payments, confirmed as withdrawn by my bank and transacted by the Department of Education, have not been posted to my account in a timely manner, and I have been unable to receive a clear response from either Mohela or Federal Student Aid ( FSA ). 

Missing Payments Details : Payment of {$1200.00} made on XX/XX/year> ( Confirmed withdrawn by my bank ) Payment of {$4000.00} made on XX/XX/year> ( Confirmed withdrawn by my bank ) The {$4000.00} payment was made as a loan disbursement repayment within 120 days of disbursement, in accordance with Mohelas policy. It should be retroactively applied to XX/XX/year> as a loan cancellation, with all interest removed. This policy was previously honored in XX/XX/year> for another disbursement repayment. However, my payment has not been applied despite being properly processed by my bank. 

Attempts to Resolve the Issue : I contacted Mohela multiple times and was informed that my payments were missing and under research. However, I was told that posting may take up to 90 days, which would put my payment outside of the 120-day cancellation window through no fault of my own.

Mohela representatives repeatedly directed me to Federal Student Aid, stating that I should dispute missing payments with them.

Federal Student Aid ( FSA ) representatives ( " XXXX '' and another agent ) stated they could not locate the payments and redirected me back to Mohela. 

I have filed three formal complaints with FSA, yet I have not received a response explaining where my money is or when it will be properly applied. 

When I finally spoke to a Mohela representative ( " XXXX '' ), she confirmed that my payments were missing and that this happens frequently with payments over {$1000.00}. She advised that I speak with a senior agent, but the wait time was over seven hours. 

My congressmans office ( XXXX XXXX XXXX ) has also reached out to the Department of Education, but they have also received no meaningful response.
Product: Mortgage

I had a job loss and could no longer make my mortgage payments. Before I was even XXXX payment behind I contacted my lender to ask for help. What I got instead was a lot of false miss leading information and false hope which landed me very behind in my mortgage and facing foreclosure. I desperately need help to save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Form 1099-C requirements XXXX account XXXX has been illegally reported on my consumer report ; Form 1099-C must be filed regardless of whether the debtor is required *to report the debt as income*. ( and is therefore not a debt but income ) However the debtor has reported this account as debt but remarked and/or reported the account ( for months ) as charged off ( i.e. 1099-C filed ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens One Auto Finance is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. As a financial institution, as defined under the Gramm Leach Bliley Act Citizens One Auto Finance failed to perform their obligation to respect and protect my privacy. Citizens One Auto Finance failed to provide me an adequate opt out notice and Ive NEVER granted Citizens One Auto Finance any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Citizens One Auto Finance actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Navient breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Navient to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Citizens One Auto Finance is required to comply with this opt out notice upon receipt and comply with the follow
Product: Payday loan

Was approved for a XXXX credit line of {$1000.00} on XXXX XXXX, 2016. The moment I requested the full {$1000.00}, I was assessed a 15 % fee or {$150.00}. I was unable to make the payments of more than {$230.00} every 2 weeks as I thought there would be much smaller monthly payments - not payments of nearly 1/4 of what I borrowed every 2 weeks. That 's what I get for not carefully reading the fine print. Interest was compounding daily on the original principle and I received statements every 2 weeks with interest in the amount of more than {$100.00} each time. By the time I came up with the money to pay off the credit line, exactly XXXX days from the date I received the loan, fees and interest had driven the amount owed to {$1400.00}. That 's more than 42 % return for allowing me to use {$1000.00} for 55 days. Beware! Read the fine print! Stay away from pay day loans.
Product: Checking or savings account

On XX/XX/2022 I made a purchase at XXXX 's XXXX  in XXXX at about XXXX. Immediately afterwards I received text messages showing that transactions for : ( 1 ) {$100.00} XXXXAtm withdrawal - XXXX XXXX rejected for wrong Pin. XXXX, NY. 
( 2 ) {$180.00} -Atm withdrawal - XXXX XXXX - rejected for insufficient funds. XXXX, NY. 
( 3 ) {$82.00} -Atm withdrawal - XXXX XXXX XXXX rejected for insufficient funds. XXXX, NY. 

I immediately checked my bank account and found that 3 unauthorized transactions had gone through : ( 1 ) {$100.00} + {$2.00} ATM fee at XXXX XXXX in XXXX NY. 
( 2 ) {$100.00} + {$2.00} ATM fee at XXXX XXXX in XXXX NY. 
( 3 ) {$100.00} + {$2.00} ATM fee at XXXX XXXX in XXXX NY. 
Totalling {$310.00} in unauthorized transactions. 

I immediately emailed my bank ( Albert ) and they told me there was nothing that they could do until the transactions settled. Next, I froze my ATM card. On Sunday XX/XX/2022 The transactions settled and I filed a dispute. Albert 's " XXXX  '' ( that's what they call their employees ) concluded incorrectly that the charges were legitimate. 

I asked them to reconsider their findings because I would have had to be in 2 places at once in order to make transactions in XXXX at XXXX and XXXX at XXXX. They closed the investigation and told me that they would not be crediting my account.
Product: Credit reporting or other personal consumer reports

I have attached an FTC report for you to finally give attention to my case. I am in distraught that none of my requests are being given attention to, and none has been taken into consideration. My credit scores have negatively affected me and I could make use of XXXX  but even that I can no longer afford because of how badly my financial report has become.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance XXXX {$860.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}.