23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I do not believe my monthly payments are applied correctly, it seems very inconsistent. Here 's a snap shot of what I mean : Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - {$4.00} - {$190.00} - {$2.00} - {$200.00} XXXX/XXXX/XXXX Payment {$0.00} - {$200.00} {$0.00} - {$200.00} XXXX/XXXX/XXXX Payment - {$36.00} - {$130.00} - {$19.00} - {$190.00} XXXX/XXXX/XXXX Payment {$0.00} - {$200.00} {$0.00} - {$200.00} XXXX/XXXX/XXXX Payment - {$1.00} - {$200.00} - {$3.00} - {$210.00} XXXX/XXXX/XXXX Payment - {$6.00} - {$190.00} - {$23.00} - {$220.00} Very little or none of my monthly payment is being applied to the principal.
Product: Credit reporting or other personal consumer reports

Greetings, I am sending this complaint to follow up request the investigation into the fraudulent inquiries on my credit report. I ask that the XXXX Credit Bureaus conduct an investigation intothe fraudulent inquiries as required by law. Please see below the listed fraudulent inquiries that require investigation. XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

This is a general " For The Record '' consumer complaint requiring no further action! As a XXXX year old consumer having a history of perhaps 3 non-sufficient funds occurences throughout my lifetime, I was appalled to recently have experienced and learned that in the event of a NSF event involving a credit card payment, banks are allowed to repeatedly attempt to retrieve a NSF payment thereby resulting in repeated NSF fees. The last time I caused an NSF event ( years ago ), after one attempt, that was that! End of story! Either the consumer had the funds to cover the obligation or they did not and it was up to the consumer to rectify the situation, period. This business of repeatedly attempting to retrieve funds is outrageous and needs to be outlawed!
Product: Debt collection

I received a letter from Grant and Weber, when you call the number you get only offer after offer, you can not enter the extension given on the letter. Then you are given a new number telling you the original number has changed, but it is more offers. I am unable to speak with a live person about this debt.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

bridgecrest defaulted on our agreement. 
inaccurately reported late payments
Product: Credit reporting 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 U.S.C. 1681. 
Account Name : XXXX, Account Number Ending in XXXX Account Name : XXXX XXXX XXXX Account Number Ending in XXXX These accounts have violated my rights. 

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 the information is inaccurate
Product: Credit card or prepaid card

I had a account with American Express Business that went to collections. I was a XXXX XXXX of a XXXX XXXX in my local area when the account went to collections in XXXX. Since the summer of XXXX the account was settled and resolved with a {$0.00} balance.
Product: Debt collection

Checking my consumer credit report XX/XX/year>, I noticed I had a new collection account on my credit report. I had no contract with Credence Resource Management, nor do I owe them a debt. The company CREDENCE RESOURCE MANAGEMENT purchased a debt from XXXX XXXX XXXX that I had no involvement with the transaction. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. It states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I demand all the above Fraudulent accounts DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ). Again, this company has no record of me doing any business with them and they should be forced to correct my account with the credit reporting agencies expeditiously in a timely fashion! Thank for your help.
Product: Debt collection

I cancelled my XXXX  cable services XX/XX/XXXX, in XXXX on XX/XX/XXXX I once notified XXXX  after receiving a new bill of service that I was disconnected, on XX/XX/XXXX they took another {$330.00} with out my consent of authorization, on XXXX I received a bill for $ XXXX for unreturned equipment, I was awaiting a location from them to do so, XXXX XX/XX/XXXX I returned all equipment, on XX/XX/XXXX a new bull cane stating i owed {$560.00}, I called and was told the next bill will have that removed. Today on XX/XX/XXXX I got a leeter of collection from Southwest Credit Systems stating them are attempting to collect $ {$560.00}, i have already contacted my atty general office of Pa, in reference to this fraudulent bill.
Product: Mortgage

Back in XXXX I lost my job due to being XXXX  and XXXX. So I did a 3 month forbearance on my mortgage. When the forbearance ended in the end of XXXX I was able to start back paying in XXXX. I made a payment but I was unaware when I did the foreclosure that those months of the forbearance were all due at one time once it ended that was not explained to me. I have since called at lease 12 times talked to several different people or the phone just hangs up on their end. I have been told several different things and that I would be sent out a packet for payment options and have yet to receive anything at all. We are now in XXXX and have been trying to get this resolved. I just got off the phone with someone they were supposed to be transferring me but instead the phone hung up on their end. I have been getting the runaround with my lending company PrimeLending.
Product: Mortgage

Family hit a hardship due to long term covid. After loosing my job of over XXXX years due to my illness I was financially and emotionally bankrupt and my marriage was destroyed. Due to both loss of income of my job and spouses income I was unable to maintain my mortgage payment. 

I feel like this financial institution is taking advantage of my hardship and inability to pay my mortgage, by offering me a 40 year mortgage and doubling my current interest rate. 

I do have the help of family and am in a better place to resume my mortgage payment but i can not afford an increase of any kind at this moment. 

Again I am willing to resume mortgage payments with the help of family but taking my mortgage from 24 years to 40 years, doubling my current interest rate and raising my mortgage payment just isn't possible!
Product: Checking or savings account

Hello, I reopened a Wells Fargo account within one week they closed stated a business decision and will not give me a reason they stated they closed my previous account back in XXXX for the same reason and I disputed because their was no reason to close my account. I have done no wrong and feel either this was done in error or for discrimination because I have done no fraud or had any high risk on my account. Please reconsider and give records of why this decision was made. At first I did not remember the account closure but after speaking to Wells Fargo I did remember disputing this when I went to open a account last week I had no issues so after speaking with them today XX/XX/XXXX I thought the issue was resolved because I was able to open an account
Product: Debt collection

Forster and Garbus ( XXXX? ) called my employer asking for me, when my coworker transferred the call they hung up. The woman identified herself as a representative of Forster and Garbus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

Demand for Immediate Action and Compensation for Inadequate Removal of Fraudulent Account NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT *Complaint Details : * This complaint is filed against EXPERIAN for their failure to remove a fraudulent account from my credit report, despite clear evidence and multiple disputes. This failure has resulted in unnecessary emotional discomfort and financial harm.
Product: Checking or savings account

I have had a UMB Bank HSA savings account for many years. HSA savings accounts are governed by strict IRS rules and have tax consequences. 

In early XX/XX/2022 I logged into my Fidelity HSA account and requested a Trustee to Trustee transfer that abides by IRS rules from UMB into XXXX. The transfer could have been done for free via XXXX in 3 business days. However, since UMB knows that customers have to abide by IRS rules and must request a Trustee to Trustee transfer, it slaps a {$25.00} fee and out of spite takes 45 days to send over the funds.

1. In this case the fee was not for the transfer but for " Account Closure Fee ''. However, I never requested that the account be closed. I NEVER signed the UMB form that requests the account be closed. UMB took it upon themselves to illegally close the account and illegally charge me the fee out of spite because they lost custody of my balances.

2. UMB claims that their HSA Terms and Conditions allows them to charge the Account Closure Fee. However, on separate days, separate UMB agents ( including one Bree A. ) spent a total of over 70 minutes with customer on hold over the phone looking for such Terms and Conditions or any such policy and sheepishly admitted that they were unable to locate any such policy.
Product: Credit reporting or other personal consumer reports

I am urgently informing you that I am a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address and remove these inaccuracies. 

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 XXXXXX/XX/XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and demand the prompt removal of these fraudulent entries to restore the accuracy of my credit report.
Product: Credit card

XX/XX/year>. I was attempting to purchase a phone on XXXX XXXX XXXX  store website. In the input payment section there was an offer claiming {$200.00} statement credit when spending {$1000.00}. Since I was about to make a XXXX purchase this offer with instant approval decision was appealing. I clicked the promo was directed to the Citi application, was instantly approved for an XXXX XXXX XXXX Citi card, and linked back to my cart on att.com. I input the immediate avail credit card info and the att site displayed unable to verify. I rechecked and reentered the info again unable to verify. I then opened a chat asst on XXXX to asst with purchase. The chat asst informed me this offer/card could not be used online only in store. I contacted Citi in response to this and the subsequent request to cancel the card as it can not be used as represented and was told I could not stop the application since it was instant approval I will have to call back in 4 days to close the account. 
This bait and switch, misrepresented promotion will cause a hard enquiry, new acct, soon to be closed acct, & disparity in avail credit reading on my credit report that will negatively impact my credit score because XXXX XXXX XXXX XXXX CITI are knowingly misleading consumers by placing this promotion offer IN not before IN the checkout process when the promo can not be accessed/used in that purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries done with out my consent by Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Purchased tickets from XXXX XXXX app on XX/XX/22 for the sum of XXXX. Concert day was originally XX/XX/22 but they canceled. I contacted XXXX XXXX  for a refund they told me it was postponed instead. Months went past with no new date so I filled a dispute with my bank. The credited me XXXX initially and then said I was at fault. They closed the account in XXXX. XXXX XXXX contacted me on XX/XX/22 saying my refund went thru TD. NEVER CONTACTED ME or stated anything. I reached out to them on the same day since then Ive been on the phone with a TD associate 13 times with them. Ive been mislead into thinking a check was gon na be sent to my address on 2 different occasions to never receive any mail.
Product: Debt collection

On XX/XX/2023 at around XXXX, I reached out to Halsted Financial after a debt reported on my account was reported to them from another collection company. I reached out to them asking to settle the account that I know insurance had already paid. When the company refused the offer I made, I explained that I would go ahead and pay the amount but would be filing a complaint against them. The representative then told me that she could not allow me to pay the settle if I could not agree to not file a complaint against them. She held me on the phone for more than 20 minutes going back and forth with me trying to make me say I won't file a complaint if she lets me pay off the offer amount. After being on the phone over an hour, being transferred to person after person, another person finally accepted my payment.
Product: Mortgage

In XX/XX/year> I XXXX XXXX sold my home on XXXX XXXX XXXX XXXX XXXX XXXX. 
I contacted the mortgage company Mr.Cooper to let them know the home was being sold and that I needed a payoff quote. I received the payoff letter in the mail in XXXX of XXXX. The deeds of the home has been switched to the buyers name, but the mortgage is still in my Name. I have tried my to contact Mr.Cooper mortgage company and every time no one has completed the name change. They allowed the buyers to keep the home in my name while filling late payments to deplete my credit score and now I cant get a new home. They have allowed the buyers to change passwords reset everything with their information when trying to reach the company and online accounts but this home is still in my name. I really need help dealing with this company.thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dealing with a company called Helbing Law Group ; my Client ID : XXXX.I have a contract of XXXX payments of XXXX per mo. Ending of payment contract states XX/XX/2023. To date they have not paid a single debit off. This came to my attention when I got my tax refund this year and asked for a payoff amount which they wanted XXXX to pay off my contract. This is almost double my contract payoff. I started digging into this more and found not even a single card has been paid off. I am still getting negative marks on my credit report and I just got a lien on my house from XXXX. I called and asked for my money back. They told me basically I would get XXXX back and nothing to show of the XXXX XXXX plus I have already paid them. Here is their information. Can I take them to small claims court? I have plenty of paperwork I can send on request. 
Helbing Law Group XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX, TX XXXX Phone : XXXX Fax : XXXX Email : XXXX HelbingLawGroup.com
Product: Credit card

This was a military store card a Aafes and they overcharge me for uniforms and interest rates and I could not get them to make adjustment to the billing they overcharge me on several transactions and several purchases
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a dispute on a clothing company called XXXX XXXX   XXXX XXXX and Citibank ended up canceling the dispute. They said they sent me a letter for more information on my online account. I asked why didnt I get a letter sent to my home and they said because I agreed to paperless. I dont agree with this because I do not remember opening up the electronic letter about them wanting more information or else I would have sent them more information. 
I spoke with the company and they told me to send the dresses and then they would give me my money back. I spent more money to send the dresses to XXXX and still the company hasnt given me my full refund. They gave me half of the cost on a gift card. I told the company I do not want a gift card because the dresses look nothing like the website pictures. Its a scam. 
I called back citi bank because I havent heard back from the company and they told me they can not open up the dispute again. I couldnt believe it because I finally sent the dress and still I havent gotten my full refund. Citi bank said they are unable to help me. 
I asked them even if this is now a new case since they have their dresses now wouldnt I be able to get my money back through the bank. They said no. 
Especially with Covid I am not working and Id rather get my full refund and not a gift card for a website that sells clothes that are very bad quality. 
I read the reviews from this website and they have so many bad reviews. The owner XXXX shows me that she does not care. Which is frustrating and disappointing.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and born on XX/XX/XXXX, who received your response in File Number : XXXX and Im the one who submitted a complaint on XX/XX/XXXX. The listed items were fraudulently and I never signed any contracts with the listed items in my credit file. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The supporting documents are attach in this complaints. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX
Product: Debt collection

I never gave capital one my authorization to run a credit check so they took it upon themselves to run a check and it damaged my credit now for 2 years. This is ridiculous that companies are allowed to do this just to hurt someones credit. I already filed a complaint with XXXX  and got nowhere.I got a hard inquiry because of them and its not right. And they have no number or address to get ahold of them it just says capitol one.
Product: Credit card or prepaid card

To Whom It May Concern, To say I have been patient and tried to work this out through your normal customer service channels would be an understatement. A little background on my situation is I received credit back from purchases from a few stores and this caused my account to have a credit balance on it. Since I was no longer using this card for daily use, I requested Discover to send the excess balance to my checking account. I was quoted a turnaround of about 5-7 business days. That was on XX/XX/XXXX. It is now XX/XX/XXXX, a full 10 business days from the original request, and I am no closer to receiving what is rightfully mine!

I have been chatting with multiple customer service representatives, but the only response I get is to wait longer. I can not wait any longer because I needed these funds to pay my bills! It is absurd that you can take my money same day but can not give me the money back in a timely manner. I am past my point of patience and need this resolved immediately! This is a clearly violation of my rights as a consumer and feels very similar to unfair and/or deceptive business practices! Discover is taking away my right to use the funds that are rightfully mine in a timely manner and this is unacceptable.