23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended XXXX University and during my studies at XXXX, there was an outstanding debt owed to them. When I left XXXX I provided adequate and precise forwarding mailing information of which they failed to capture. 2 years later I realized there was an outstanding amount of XXXX dollars and the school charged me and extra XXXX dollars of late fees assessment due to a negligence on their behalf for not capturing the correct mailing address. When I found out about this year I added it to my current loan provided then new information and in return they were suppose to give me a default letter clearing this matter. They have supported and email identifying receipt of the funds from a government loan institution and yet they refuse to give me a clearance letter knowing that I need to begin classes XX/XX/XXXX. I am really upset that my semester will be delayed because they simply are upset that I wrote them a very strong email identifying there error in managing this situation. I hope that they understand the ramifications and jeopardy they place me with on an educational stand point. They can easily give me a default letter but they seem to want to not help and have me miss my semester with the new school.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is crazy ... I have sent out a hard copy complaint as well as online compliant, because of several unrecognized fraudulent accounts : XXXX  XXXX XXXX # XXXX, .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX  # XXXX I have several fraudulent SS numbers showing on my credit report that do not belong to me.. This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID. 
Please have them remove/delete the collection accounts immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C.  1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Product: Credit card

XXXX. Online American Express Gold Card marketing materials state " No Foreign Transaction Fees '' are a benefit of using card when traveling abroad. I had been directed to Gold Card page from my account page to learn this information. 
XXXX. XX/XX/XXXX : Learned in communication via " Chat '' with AMEX that there are two kinds of Gold Cards, " Traditional '' with an annual fee of {$95.00}, and another Gold Card which charges {$320.00}. The latter is the No Foreign Transaction Fee card. Who knew? Even the Chat guys had to check up on this. Of course, I have had the {$95.00} card since XXXX. 
XXXX. The Foreign Transaction Fee in my XX/XX/XXXX statement is {$990.00}. 
XXXX. The Fee is 2.7 % to convert dollars to euros. I used XXXX other cards on this trip. The fee was XXXX. 
XXXX. AMEX has been sued in the past for just this sort of XXXX. 
XXXX. I retired from a large multinational investment finance business this month, no way no how a large institution like AMEX bears fees or costs of 2.7 % to exchange currencies. 
XXXX. This fee is a nuisance fee, hidden and spring loaded. It is egregious in its quantity. 
XXXX. I will pay my bill in its entirety when due, XX/XX/XXXX. 
XXXX. I cancelled the card today out of sheer disgust with AMEX. 
XXXX. The XXXX guys did nothing to retain my business or address my concern. They processed my cancellation promptly. Nice.
Product: Student loan

Contract was cancelled " No Contract '' balance transferred and past the  Rep  orting and Statute  of  Limitation time frame.
Product: Credit card

We applied for and was granted a Visa Card from FNBO, because there would be a discount of 50 per gallon, for a limited time, purchased from XXXX or XXXX stations. 

When the discount was only 30 per gallon, as per agreement, we contacted the bank via email numerous times for an answer, they did not respond. 

Now it appears they have fixed the Log-in, so we can no longer reach them by email. We input the Username and Password and receive a message that it is incorrect. We ask for the correct password/username and they are sent to the email address. When we try to re Log-in, we get the same message. So, we are in a constant loop. This is the main reason for the complaint. Not answering the question is only secondary to this.
Product: Mortgage

As of X/XX/2017 Chase bank is making demands of payments at the close of my escrow. I had to sell my home as chase bank gave me no other option but a short sale or a deed in leu of foreclosure. I have equity in my home and never agreed to either of these options chase bank gave to me. I initially was not served properly the non judical foreclosure document which was filed in XXXX XXXX county, CA. Therefore, the XXXX estamated Attorneys fees to chase are null in void. Corporate Advances to Chase in the amount ofXXXX are null and void. All interest per demand will need to be negotiated as Chase is asking for XXXX, XXXX. Among other fees. Escrow balance advance in the amount of XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. Theses actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/XXXX I received a XXXX payment for {$2000.00}. On XX/XX/XXXX, a claim was open marking the XXXX  transaction as fraudulent. Chase froze my entire checking account with $ XXXX I am unable to access any of the funds, not provided with a release date, and no options given to pay for my credit cards. The payments out of that account are rejected No solution offered to solve the claim, no details about the claim shared, Chase claims they are unable to release the amount above the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- One month ago I learned that my credit score had plunged from XXXX to XXXX for no apparent reason. This is my score as reported by Equifax. I logged onto my Equifax account and noticed several errors. I then called Equifax and was told that I had to submit an inquiry in writing along with copies of my Driver 's License and SS Card. My complaint was mailed on XX/XX/2021 and I will attach it to this Step 3- please read my letter to Equifax . They responded to me in a mailing dated XX/XX/2021 and I have included the single relevant page of their response in which under the section entitled " The Results of Our Reinvestigation '' they wrote " The disputed item is not currently reporting on the Equifax credit file ''. I have absolutely no idea what this response means and it certainly does not respond in any meaningful way to my inquiry letter. I have included a copy of their response to this Step 3. The bottom line is that I believe my credit score was erroneously lowered and Equifax has not responded to my inquiry in which I asked them to explain why my credit score plunged. I would appreciate your helping me resolve this matter. Thank you!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} INQUIRIES : XXXX on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Payday loan, title loan, or personal loan

So in XXXX to late XXXX of 2017 I received a mail notice pretty much saying i qualified for loan through this mobiloans website. I live in California and was going through financial issues so I figured that this would help relieve some of the burden of expenses that kept building. So I applied for loan and was given credit line of XXXX I believe, and every two weeks they would deduct money out my account to go towards what i loaned. However what I didn't really pay attention to was the amount of fees that my payments were going to rather than the amount that I borrowed. Every two weeks I make payments because it comes out of my account automatically and I borrow here and there but after doing the math of how much I have borrowed ( XXXX over time XXXX ) and how much I have already paid back ( XXXX ) I have paid back over XXXX in just fees which is a complete scam. I still have a balance of XXXX but current principal balance of XXXX ( which is amount of money i actually owe ) but with the fees they tack on every two weeks 60-80 % of my payment goes towards fee and the remainder towards the actual principal balance. I have been paying this balance down ever since I pulled but this is getting ridiculous and probably is illegal to tack on fees every two weeks that a payment is made. I am not really sure what to do in order to resolve this but this is definitely a setup to pretty much never be able to pay off the amount of money borrowed and if I'm not mistaken I believe its illegal to charge over certain amount of fees when issuing payday loans which is what I have.
Product: Mortgage

during the first 4 months of this year i fell ill and was forced to retire from my job and start collecting ss so in essence i had reduced income during this period while waiting for the ss to kick in unable to make mortgage pmts because of change in my income repeatedly denied a loan modification stating no change in finacial position
Product: Credit card

I am filing a complaint against PenFed Credit Union regarding a fraudulent charge of {$4000.00} made by XXXX XXXX XXXX on XX/XX/year>. 

This merchant gained unauthorized access to my card information, charged my credit card, and failed to deliver any work or services. Additionally, the merchant overcharged me without my consent. I provided PenFed with detailed evidence, including : Proof that no work was done. 
Communication showing the merchants lack of response. 
Photos of the property showing no work was performed. 
Inspection reports documenting the absence of repairs. 

Despite this, PenFed denied my dispute, stating the charge was valid. This decision does not align with XXXX  XXXX XXXX XXXX, which protects cardholders from fraudulent and unauthorized transactions. 

I am requesting that PenFed : 1. Reopen the dispute and refund the full amount of {$4000.00}. 
2. Investigate the merchants fraudulent actions. 
3. Provide a clear explanation for the denial of my initial claim. 

This situation has caused significant financial and emotional distress. I am seeking immediate resolution under the protections offered by XXXX  and consumer protection laws.
Product: Checking or savings account

Early XX/XX/2020 Transactions ( from XXXX ) were charged through financial debit card ( Chime ) attached to XXXX account. I contacted the application developers where my statements displayed that the transactions took place. I let them know that permission was not given by myself for the transactions that were made and requested a resolve for the error. The developers teams assured me this would be taken care of as soon as i provided the transaction dates, time, amounts, and the transaction ID 's. I supplied this information immediately. The reply i received stated that charges would be adjusted in 24-48 hours and that I could expect to see the charges returned in 5-7 business days dependent upon financial institution. After 7 days i contacted chime customer support to be told nothing had been credited- I then went back to the developer and they said they needed me to supply the information again- I proceeded to supply information again in the format they requested- once again was told they would take care of it and they would escalate the matter due to it being clearly stated in previous communication that it was going to be taken care of. 7 days go by with nothing being adjusted again. Now being Late XXXX XXXX is claiming its outside of time frame even though i started this process within the time frame, i then proceeded to contact my Bank through chat support and filed a claim through them supplying the same information. Chime opened a claim made the provisional credits roughly 2 weeks later. Upon this happening XXXX deactavated my XXXX play account in response to this claim. XXXX claimed just as they had said prior that they would have adjusted transactions which was clearly another person not wanting to deal with an issue. Aside from this Everything went along smoothly until XXXX XXXX each transaction was recharged to my account when the EIP round 2 was direct deposited. Chime has not responded to my inquiries on the matter for over 30 days and account remains in a negative balance.
Product: Credit card or prepaid card

I opened an account with Citibank on 2017 for an XXXX XXXX card. It had an annual fee of {$95.00}. However at some point in the last 2 years they transitioned the card to something called Citi Premier Card which had none of the rewards or any connection to XXXX. Rather than informing me, they kept billing me {$95.00} despite the fact that I had not signed up for that card and was not getting any of the benefit of the XXXX card. 

Last month I closed the account and was promised that the {$95.00} annual fee would be returned. However, I found out today that despite that promise the {$95.00} fee was still applied despite the fact that I had closed the account and had never used the premier card.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX  XXXX XXXX Balance {$1100.00} XXXX XXXXXXXX Balance {$3100.00}
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXX has violated my rights. 

XXXX5 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, credit repair services, or other personal consumer reports

I CALLED XXXX, XXXX AND EQUIFAX SEVERAL TIMES ( TO REMOVE THE FRAUD ALERT FROM MY CREDIT FILE )
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Collection/Charge Off : XXXX OF XXXX XXXX {$0.00} XXXX CARD XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX NA XX/XX/XXXX
Product: Mortgage

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; This is XXXX XXXX 's SECOND response to following SPS compliant responses : I suspect that I would not be in default of my mortgage today if XXXX XXXX XXXX had execute a market principal reduction in engineering my XXXX modification. 

I need a review of what maximum principal reduction that have been in XX/XX/XXXX. I received no principal reduction in XX/XX/XXXX. Why did n't I receive a principal reduction in XX/XX/XXXX when the house was on the market and would not sale? Why have a had to pay a mortgage based on an above market value for 8 years? We should have sold the house short in XX/XX/XXXX for {$650000.00} or modified the house for XX/XX/XXXX. 

SPS appears to lack the capacity of willingness to remedy this situation. I was defrauded by XXXX at the origination and manipulated into an uneconomic modification by XXXX XXXX XXXX. 

The original Mortgage would not have been underwritten if the fact that the taxes were higher than the P & I. This was also compounded by including XXXX-XXXX mortgages. 
I have resolved the XXXX-XXXX mortgages. XXXX from XXXX and XXXX from XXXX. 
I was living in XXXX XXXX at the time. 

The XX/XX/XXXX modification by XXXX XXXX XXXX did not offer a market principal reduction And once again did not disclose the uneconomic engineering of the mortgage. That is that the P & I was lower than taxes. Please review the attached proposal from SPS HAMP competition. 

Recommendations : I receive my original down payment of {$200000.00} plus interest. 
I receive {$200000.00} second mortgages payoffs. Plus interest. 

Sincerely, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

The consumer applied for a consumer line of credit with Navy Federal XXXX of XXXX. Navy Federal approved the consumer line of credit ( $ XXXX ) based on her creditworthiness ( XXXX credit score ) at the time. The account was closed in XXXX by the guarantor ( Navy Federal ).

Please remove the trade line ( Navy Federal ) from my credit report in its entirety. 

Please review the XXXX XXXX ( credit report ) attached. The creditor updated the consumer credit report, confirming the line of credit was expected to fall of the consumers credit report, XX/XX/XXXX. 

1. Please remove Navy Federal account ( credit card ) from my XXXX XXXX credit report asap & re-evaluate my credit score & as I am trying to rebuild my credit worthiness ;
Product: Credit card or prepaid card

This is a continuation of complaint XXXX. Capital One 's response says I ) did not write them until XX/XX/XXXX. In fact, after calling numerous times since XXXX when the fraud or unauthorized charge occurred, I wrote them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Capital One to say in their letter to you that they only received a response from me on XX/XX/XXXX, is a lie. It is preposterous. 

I can not believe how they can get away with this - how they do not honor their 0 fraud liability policy. In my case, they have reversed that policy, so they are 0 % responsible. 

I question why my other Capital One card ( a Spark business card ), which the " merchant '' did use scam, but since it has a lower credit limit than the other one on question, did not produce a satisfactory take for the " merchant '', why did Capital One Spark resolve the fraud and make me 0 % liable??? 

If you want documentation, I will send it at a later date, but I am very, very frustrated by this situation where people believe a bank that lies through its teeth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes with XXXX and was provided with the exact same response each time. This debt from Jefferson Capital is fraudulent as well as out of the statute of limitations in the state of South Carolina for collection, this needs to be removed. I have provided evidence to XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2022
Product: Vehicle loan or lease

I called Honda Financial Services on XX/XX/2024 in regards to car that was repossessed, upon requesting to speak to a supervisor, the agent on the line refuse for the allowance of speaking to a supervisor. Perhaps speaking to a person in management could have helped me resolve the matter, but I was denied that privilege. I need someone to get back to back as soon as possible please. I have making payments on this car for 2 and a half years and have just hi hard times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account apparently credit report XXXX. State XXXX XXXX XXXX XXXX
Product: Debt collection

This account is illegally reporting inaccurate information about me with the sole intent to ruin my credit. This collection account is not only listed as open but also saying I owe a past due balance of {$2300.00}. This is a violation of the FCRA XXXX compliant reporting standards. 

Due to the Inaccuracy of the report and failure to be in compliance I am asking this account be removed from from my account with settled in full and asking for an updated report showing adherence to XXXX reporting standards.
Product: Checking or savings account

I disputed fraud on my account I was refunded for the fraud upon being refunded the bank closed my bank account and did not release funds stated I received funds in 30 to 60 days which is unacceptable I need my money right away
Product: Credit reporting

HI, In applying for a credit card I was denied which surprised me because I pay all my debits. However, I have a problem with social security administration with an overpayment. The overpayment is in dispute and has been for over 2 years now. In the meantime, we have set up an agreement that I pay them {$120.00} per month until a decision on the amount is made, and I have paid every month. My credit is damaged and it should not be, and I do not know how to correct this problem.