23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received an e-gift card from my employer on XX/XX/year>. Since then I have not been able to use this gift card at all. Their website reports that you can add their cards to XXXX XXXX, but I have tried countless times and it states the card can not be added and to contact the card issuer. I have tried using the card multiple times at online merchants, triple checking that I input the information correctly, the card is declined. Upon researching, TONS of customers have this same experience with American Express. I don't understand how a company can be allowed to do this. I have spoken with American Express and I was told a few different things. Once, I was told to use the card in store- well I can't do that because it is an e-gift card and I can't get it added to my XXXX XXXX Another time, they told me to use it with online merchants that only ask for the " card number, expiration date, and security code ''. This did not work or make any difference. Some of the charges even show up as pending or denied on the transaction page of American Express, but they don't allow anything to go through. This gift card was a huge part of my budget for the holidays, I desperately need a solution. 

I just submitted a complaint with American Express and was told they couldn't find my account and needed the card number. I HAD PREVIOUSLY INCLUDED THE CARD NUMBER. It is ridiculous that they can close a case for this reason given I included the card number. I will call everyday until this is fixed.
Product: Student loan

Fed Loan servicing has continued to incorrectly service my federal loans for several months, despite my continuous calls to have them correct my account. I sent in my re-certification for my IBR payment plan on time, however, I have a significant change in income. I was approved for {$530.00} on XXXX/XXXX/16. On XXXX/XXXX/16, I submitted a form to have Fed Loan re-consider the amount I was approved for under the REPAYEE plan. On XXXX/XXXX/16, I was told that Fed Loan was unable to process my request. I called and was told that I needed to submit the form again which I submitted again with XXXX more paystubs on XXXX/XXXX/16. I was told that they are backed up and that it would take time for them to review my account, therefore, I could either may a payment under the standard repayment plan which is approximately {$2700.00} or I could submit another form for a special reduced payment forbearance where I would pay only {$5.00}. I was approved for the special forbearance on the phone and I was told to wait to make my {$5.00} payment until XXXX/XXXX/16, which I did. On XXXX/XXXX/16, I received a notice stating my reduced payment forbearance was approved. I made my {$5.00} payment on XXXX/XXXX/16. On XXXX/XXXX/16, I received a notice stating my payment was late. I called immediately to find out why my account was showing as late and was told to ignore this. On XXXX/XXXX/16, I was approved for the REPAYEE plan and I immediately made my payment of {$360.00} on XXXX/XXXX/16 - which was early as the letter stated my payment was due on XXXX/XXXX/16. However, my account still shows as delinquent. I have called several times regarding this and have been told different things everytime. I made a call on or around XXXX/XXXX/16 and was told that after my payment due date of XXXX/XXXX/16, my account would reflect my {$360.00} payment and it should no longer show as delinquent. I was also told that I needed to make another {$5.00} payment because Fed Loan never applied my forbearance to a few days in XX/XX/XXXX, that it was only for XX/XX/XXXX, even though I had called and applied in XX/XX/XXXX. I made that {$5.00} payment immediately on XXXX/XXXX/16. I waited until XXXX/XXXX/16, however, it still showed as delinquent. I called again and now demanded to speak to a supervisor. That supervisor told me that all the prior representatives I have been speaking to over the last few months have given me wrong information. She assured me that she would correct my account, that I indeed have been on a forbearance and my account should never have been delinquent. She assured me that in a few days my account would be corrected. However, my account is still showing as delinquent at 36 days past due and my payment amount due is for {$530.00}, which is incorrect. My payment due should be {$360.00} and not due until XXXX/XXXX/16. In addition, I have asked several times whether Fed Loan has reported to any credit bureaus any delinquency and have been told they have not. I have refrained from making a complaint, but this is now absolutely unacceptable. Fed Loan needs to correct my account immediately.
Product: Credit reporting or other personal consumer reports

Although I have asked for and received credit score info from all three and now from XXXX, the score is based on inaccurate and untimely information. As time goes by, it is undermining my financial health and reputation.How do I get the agencies to report accurately and truthfully?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report again, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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
Product: Mortgage

I believe I got discriminated against and taken advantage of because I am XXXX. Back when I took out this home equity loan, I was not explained the terms. The loan officer lied and mislead me to think this was a regular loan. When in fact over 8 years of paying it have paid XXXX and the equity line has gone down XXXX? How is this legal. The loan officer never one explained how the interest was going to be so high and never go down. I believe because I was XXXX, young and naive, she lied and took advantage of me. I have called the bank on more than one occasion to try and resolve and they have done nothing. Please help me. Look at this statement and tell me how they can take all my money and apply it to interest. How is this legal. The loan office never told me this would happen and that I would never pay it off in my life time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  score 8 algorithm is incorrectly penalizing my account for a delinquent payment when no such late payment is present. This delinquency is only present in the score 8 algorithm and not with any other scoring algorithm. I have checked my reports repeatedly and no delinquency is found. 

This first became an issue several years ago when I was looking at mortgages and my credit scores varied widely from agency to agency, I ultimately ended up not needing the credit so just ignored it in the hopes that whatever bug was present would be fixed. 

Recently, in XXXX 2021, I again was looking for a mortgage and was given a sub-par interest rate because of this supposed delinquency. Fortunately my partner was able to qualify independently so we were able to get an appropriate interest rate. However very recently, in XXXX of 2021, I discovered my credit limit had been reduced and when I asked for an extension I was denied. The reason was that I was given a poor score from the XXXX  8 algorithm which reported a serious delinquency as one of the major causes. 

The bank, Bank of America, informed me that the report used was generated from XXXX using the XXXX 8 algorithm. I checked my transunion report which is clean. 

While investigating this I found that it is a known problem that the XXXX  8 algorithm sometimes erroneously reports delinquent payments, for example this discussion the XXXX forums XXXX XXXX XXXX. I have attempted to contact XXXX  about this, but getting through to the right department has been difficult.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I sent a recipient XXXX dollars to an hacked account. I never got an response from cash app about refunding my money.
Product: Debt collection

I was victim of data breach that resulted in charges. Contacted original debitor, XXXX XXXX, explained and sent information to them. They continued to try and collect. XXXX sold debt to portfolio recovery. I advised them of issue. They called my XXXX year old daughter and told her I would be arrested if I didn't call or pay. Called my sister in law as well. Now they have filed a civil summons for XX/XX/2019.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : DEPT OF EDUCATIONXXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

I closed my citibank account in XXXX. There were about $ XXXX remaining balance in my account. I was told that I would get a check for the remaining balance, but I never received it. 

After a couple of month, I called again Citibank customer service and was told that they'd cut a new check and mail it to me, but I never received it in my mailbox either.
Product: Checking or savings account

I deposited in the ATM {$4900.00} on XX/XX/2023 around XXXX. At XXXX XXXX XXXX. ATM located at XXXX XXXX XXXX XXXX, XXXX  XXXX at XXXX XXXX XXXX XXXX. 

I called the company so many times and havent received at response. I deposited the money to pay my college semester and if I dont pay on time I will have to pay a late fee. 
This is frustrating, I hope you can help me. 

Thank you
Product: Vehicle loan or lease

I have paid Toyota XXXX XXXX interest rate for the past XXXX payments. Now they're asking for $ XXXX XXXX in interest aloneToyota financial said I had moved XXXX payments to the end of my contract which would extend my contract and additional XXXX months. When I spoke to a representative about the late payments they said that this was a courtesy through my contract to have XXXX payments a year move to the end of my contract. Toyota told me that interest would continue to occur. They did not tell me how much interest would occur or an amount so I had no idea that at the end of my contract there would be a balloon payment for {$4200.00}. I received phone calls from Toyota on a regular basis XXXX days in a row XXXX phone calls on Friday XX/XX/XXXX of 2024 where I was asked to settle the {$4200.00} and also received a call on Saturday XX/XX/XXXX and another call on XX/XX/XXXX concerning the same issue. I had no idea through the emails that were sent from Toyota the amount that would occur through the interest rate that they were charging me neither did I know what rate I was being charged or if there was a way to pay those payments in advance without them lingering to the end of the contract with where they would accumulate thousands of dollars in interest. Toyota gave me no way out as far as paying the past due payments that the interest would occur no matter what till the end of the contract and I would be charged for balloon payment that was outrageous and predatorial towards my needs at that time.
Product: Mortgage

On XX/XX/2022 I had a conference call with my Mortgage XXXX XXXX XXXX and my Current Mortgage Processor Loancare LLC. 

During the call, XXXX from XXXX  requested the complete Paperwork regarding my Mortgage Forbearance and the Deferrals for the Forbearance. We requested the COMPLETE paperwork including any extensions and ALL Deferral paperwork and the Loancare employee promised to deliver the paperwork by email within 2 days. 

This is a very time sensitive manner and XXXX has STILL not received the requested paperwork. 
This failure to provide the requested paperwork in the promised time can have severe negative financial consequences for me and cost me thousands of dollars. 
We need these documents immediately, please email them asap to the email address we provided. XXXX. 
Refusal to do so will result in further legal steps taken by me immediately and without further notice. 
I expect the paperwork by no later than XX/XX/2022.
Product: Checking or savings account

Bank Statements ( XXXX ) - Vectra Bank closed my accounts without cause ( within their rights to do ) - Vectra Bank refused to provide my bank statements for any of my accounts- I can not access them online - They will not send them to me or let me have them https : XXXX
Product: Credit reporting or other personal consumer reports

I am requesting a 1099c according to IRS the debt is canceled which means that the company did not report or provide a 1099c to all 3 credit bureaus and it should be removed from mu report.
Product: Debt collection

The information reported on my credit summary is incorrect my birthday is incorrect the amount is incorrect i have been getting charged with collections and derogatory marks. All in all. This is all false info being projected to my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of Intention : This communication is not intended to threaten, harass, or hinder any lawful operations ; it is for the purpose of obtaining lawful remedy as is provided by law for any Citizen of the united states of America ( without the United States ) ; XXXX XXXX, who is in good standing. 

In accordance with Fair Credit Collection Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ). 

The account names and numbers will be listed under their respective credit reporting agency : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 ( a ) ( 4 ) states that the consumer reporting agencies must be fair, impartial, and respect the consumers right to privacy.

2. 15 U.S.C. 1681b ( a ) ( 2 ) states that the consumer reporting agencies can not furnish an account without my written instructions.

3. 15 U.S.C states that no consumer reporting agency may make any consumer report containing any of the following item of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate.
Product: Payday loan, title loan, or personal loan

On the morning of XX/XX/XXXX morning of XXXX, US bank, which is owned by the XXXX government XXXX, sent a repo guy to our home in XXXX, California, and repossessed my fishing Boat named XXXX. I purchased the boat in XX/XX/XXXX in XXXX Florida, new XXXX XXXX XXXX XXXX for $ XXXX. I was unemployed and qualified for the loan using my XXXX balance. The boat and the trailer were registered in Florida. I deposited $ XXXX and continued to make monthly payments of {$380.00} using my XXXX since and never missed a payment. As of today, I have made about 36 payments of {$380.00}. 

I moved to XXXX California in XX/XX/XXXX, notified US Bank about my move, asked the bank to send the lien title to California XXXX, so it could be registered in the state. The bank continued to send invoices, I continued to make payments, but the bank never sent the title to the XXXX. I obtained temporary operating permits ( attached ) from the XXXX XXXX, CA XXXX twice. Per instructions from the XXXX, I provided the document to US Bank via mail ( XXXX XXXX XXXX, XXXX, WI, XXXX ) and via fax ( receipt attached ) requesting that the lien title be sent to the XXXX. It is illegal to use the boat on federal water without registration in the state of California. 

The last temporary operating permits from XXXX XXXX, CA expired on XX/XX/XXXX. I could not use the boat legally in the state. The bank refused to send the title to the XXXX. Therefore the boat could not be used legally in the state of California. I missed the last three payments. 

During the last 3 months, the US bank called me multiple times a week ( early in the morning, late evening ) asking for payment, but refused to provide the lien to the XXXX. I have told them repeatedly that the boat can't be used legally in California without registration. I have also called them dozens of times to send the lien to XXXX so I could use the boat and go fishing. In the meantime, the Bank reported me to the credit bureau, my credit rating dropped dramatically. It told me in XXXX that I am delinquent for 180 days, the Bank will consider repossessing the boat. But the bank repossessed within 90 days ( attached video ). 

Since the repossession of the boat ( XX/XX/XXXX ), I have called the bank three times ( XXXX ). Twice I had about half an hour conversation and the call was recorded. I requested the bank to return the boat and the title to the XXXX, and I promised to make up the missing payments. Each time it told me that a manager or supervisor will contact me within 24 hours, but it never did. 

I tried to log in online ( US BANK dashboard ) to understand what really happened, but the Bank deleted my account. ( attached ). Therefore I believe the US bank has stolen the boat, personal stuff, ruined my credit rating, caused trauma to me, my family, insulted and humiliated us in public, and disturb the peace of my family and the community.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Consumer Loan

I 'm a XXXX year old XXXX widow living on fixed income, and back on XXXX/XXXX/2015 I took out an installment loan of {$230.00} with Cash America in XXXX, TX due to some medically related out of pocket expenses associated with XXXX XXXX/XXXX/2015. Since I was n't able to pay the whole amount plus interest in 30 days, I asked for an installment loan thinking I would have ( 5 ) months to pay the loan plus interest in equal affordable pays, but I wound up having to pay {$100.00} monthly for ( 4 ) months with the final payment being {$340.00} on the fifth month. Just understand that I intend on paying the loan back in full because I had to give them a blank check on my bank account which they will immediately turn in to bank if I miss payment. I just wanted to know if this is a legal contract in Texas because I 'm beng charged {$510.00} for them extending me {$230.00} in credit.
Product: Debt collection

Saw collection item on my XXXX report only. Called Transworld Systems , Inc and was told that is n't me, they would remove. They did n't. today when I called again they said I should fax the page from my XXXX report with name, SSN, Address, copy of military ID and phone number, with dispute reason. I have tried 10 or more times and fax number they gave me does not go through. Now phone number I used previously does n't go through either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is currently showing 30 days late for the month of XX/XX/2022 as reported in XXXX Credit bureaus. I have read enough to understand my rights. The late history should not be showing late. The Bureaus are attempting to violate this clear understanding. Please investigate and reported the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX XXXX