23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2019 I was assigned a new account manager since my loans has been in the collections department for some months now due to me missing only 3 months of payment. ( I believe they were XXXX, XXXX and XXXX ) When I spoke with that case manager, I informed her that I wanted to set up my payment for half of the {$300.00} and the other half can be paid in two weeks. ( I have been splitting up my payments in half so they can take money out every two weeks due to me not having {$300.00} all at once. All previous case managers have been okay with doing this for me ) The agent XXXX was giving me push back during the call about the amount that I wanted to pay and instead of setting up my payment she said she was going to put me on hold or transfer me to the loan modification department. Not really knowing what was happening I did wait on the phone for 30 minutes and then I hung up. Fast forward 20 days later I found out that a payment was never set up and that agent put me behind another month for the month of XXXX. I've reached out and talked to multiple agents XX/XX/XXXX or XX/XX/XXXX explaining the situation. The representative that works in the escalations collections department XXXX, was very dry on the phone with me. She sounded like she did not want to help me. Her response was " well what do you want to do? '' My resolution that I thought would be fair is for them to clear the month of XXXX due to an error that was done by their agent. 

XXXX admitted that their agent made a mistake and passed the buck but she also kept stating that I should've called back to make a payment. Even after I told her I never had to be transferred to another department to set up a payment since my information has been in collections. I told her all my account managers have set up my payments but this agent did not want to assist. I then asked to speak with XXXX XXXX manager, she stated he was not available but she would reach out to him to see if they can offer an exception and wipe out the month of XXXX for me. The account manager XXXX that was assigned to me, that works in the collections department never called me back, not once when she figured out that a payment had not been set up. I let the agents know that collections will call you if they are still excepting a payment from you, but this agent XXXX never called back. 

To get me out of collections I have to pay {$1100.00} by the end of this month so I can be back on track for XXXX. I already had them set up 3 payments for XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX to take out {$300.00} but that would still leave me short {$270.00} to pay so I am not behind a month. I am not rich by any means and I just want Sallie Mae to be held accountable for the mistake that their agent made
Product: Credit card or prepaid card

XX/XX/XXXX I purchased a new computer from Best Buy and was tricked into purchasing XXXX XXXX 27/7 with the impression that I could get a computer diagnosed and fixed. However, XXXX XXXX 27/7 Service Support is unable to meet contractual obligation. Tecs are not equip to assess or solve computer problems. Pushing a service plan that they have no intention on providing customer support. XX/XX/XXXX, while working on my computer it crashed. Being pressed to complete a work assignment, I decided to take my computer to XXXX XXXX, XXXXTexas. The Tec stated it would take sometime to check the computer for virus and it may have to be shipped out. Being pressed, I purchased a new computer with the idea that I could use the tec support to fix my current computer ( expensive computer ). I took my original computer and a new computer for servicing to be told there is nothing they could do ... I called CustomerService to file a complaint, forwarded to XXXX XXXX Supervisor who suggested that I take the computer to another location. So I took the computers to Best Buy located in XXXX, Texas. I encountered the same issue, the Tec not really wanting to work, there is nothing they can do ( according to XXXX XXXX my visit was not logged at the XXXX location-folks not doing his/her job ) but I did call in a complaint after my visit. Once again, I tried to seek resolution to my compliant on XX/XX/XXXX. I called Customer Service, being transferred many times last person spoke to was XXXX. One XX/XX/XXXX calledcustomer service at XXXX, spoke to XXXX and XXXX XXXX Sent a letter of compliant to customercare @ XXXX ( complaint XXXX ). Called Corp office to be transferred to XXXX at XXXX who said send an email to XXXX. Called XXXX Corporate number, Option 5 told there is no complaint dept at the Corporate level. Filed a complaint with XXXX to no avail and refusal to give me a refund. No manager called me, but instructed to travel back to another store ( without compensation ). Not customer orientated just a bully company that cultivate consumer fraud and scams. No complaint procedures, resolution dept or escalation team. Unable file complainants with a corporate office. XXXXDeceptive business practices and unethical business conduct
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX XXXX XXXX collection agency. Said agency made numerous violations of the Fair Debt Collections Practices Act, TCPA, and Fair Credit Reporting Act. I subsequently entered into a settlement agreement in which I agreed not to file suit for violations of said Federal Statutes as well my rights under the Kansas Consumer Protection Act they agreed that XXXX XXXX would remove any and all credit reporting for a lump sum payment. Said payment was made on my part over a year ago and they continue to report to my credit bureau as a charge-off account despite the agreement made by their collection agency in agreement for me not to file a civil action against both the collection agency and XXXX XXXX. 
Said actions are in direction violations of state statutes K.S.A. 50-623, K.S.A. 21-6503 and federal statues 18 U.S.C. 1030, 15 U.S.C. 1692e.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX  - Account number - XXXX XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX 
Account number - XXXX ______________________________________ XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit card or prepaid card

On Monday, XX/XX/XXXX a member of the global fraud services department at American Expressed called me in regards to recent charges that I disputed as fraud. I strongly believe these charges to be fraud as the amount spent was well above anything I have ever spent before. During my phone call the American Express employee called me and said that wether or not these charges were fraud it doesnt matter and he was going to get the FBI involved if I continued to say these charges were fraud. I explained to the employee that I would never spend this money. He stated it doesnt matter, I explained that he was scaring me. He said the only way I wouldnt get in trouble was if I called the XXXX number on the back of my card and said these charges werent fraud. Me being scared and fearing for my life, I immediately called and said I did not make these charges however I am so scared. American Express threatened my freedom as a way to get me to admit to something I did not do. Do not get an American Express card. They are dangerous and scary. They will not stand by you. The anxiety that I have been left with is awful.
Product: Credit reporting or other personal consumer reports

I contacted XXXX on XXXX regarding my car note with the financing company. I requested an extension on that day. I was sent a form via email to receive a 2 month extension for the months of XX/XX/XXXX and XX/XX/XXXX. I called within 30 days to save myself from being reported 30 days on my credit report. The point of getting a new car note, though I own a paid off vehicle, was to build positive credit. I signed and resent the extension request letter to XXXX via email on XXXX, after being told by the customer service told me that I was eligible for an extension. I contacted Customer Service again on XXXX after discovering that my credit report had a late payment showing 30 days late. I had no idea that it was absolutely required for me to email or fax over the document. I was told by the CS rep on XXXX that I could email the document back. Customer Service revealed to me that the extension request document would need to be faxed or mailed to XXXX. I was told that the documentation would be effective for 17 days from request, for mailed forms. I sent the XXXX via certified mail. This would be 10 days later. The item was estimated to arrive by XXXX, which would have given enough time to process this the extension request, considering that it was not conflicting with business days. The mail was not received and signed for until the XXXX of XXXX. The delay was due the fault of XXXX. I was resent a new request form on XXXX. I was not able to complete the 2 fax attempts on XXXX. Which I have attached proof. I was able to successfully complete the fax on XXXX on that Monday. 
I was successful. I contacted the XXXX to ensure my paperwork was received on Tuesday morning, XXXX. The Customer Service rep told me that I owed {$990.00} and to allow 2-3 business days for the Extension Request to be processed & uploaded to the account. I processed a payment equivalent to one month installment payment to avoid a 60 days late payment, since now I know that XXXX does not go by business days when measuring days late. I made a payment on XXXX to avoid a 60 day late payment mark on my credit report. The account used to pay the bank account was the bank account that keeps kicking back from the system & blocked me from online access to pay. Thats another issue. The same account that is in the online portal is the same account that the Customer Service reps use to complete my over-the-phone payments. Being blocked from having the ability to pay online is overwhelming. I say all this to say that the tardiness of the 2 month extension form was out of control. The Customer Service Rep that told me to send the extension form back via email is not my fault. I was wrongfully reported 30 days late even considering XXXX and the XXXX XXXX holiday. I would like to request that the 30 day late payment is removed from my report. Its wrongful reporting and the delays are not my fault. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX account which I was using and paid on time and never reported to 3 credit bureau. It was like secured all of a sudden from no where it showing on my credit report and score was effect too! I contacted the XXXX I was told when synchrony bank take over it started reporting on credit report without customer informed or knowledge they know about it but can not help so my complain is why they playing with consumer life without letting them know and their score are on jeopardy. So my prayer is that it should remove from the credit report so that consumer can be stress free and they can get back there score up!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled XXXX XXXX XXXX XXXX XXXX NY XXXX, BK OF AMER 61**, BK OF AMEXXXX XXXX
Product: Money transfer, virtual currency, or money service

{$850.00} transferred via XXXX to XXXX on XX/XX/12 to receive a puppy.This seems to be scam and they never delivered the puppy. 

Their website is https XXXX XXXX  XXXX XXXX Phone number of recipients is XXXX I have reported to my bank and asked to get this money refund back to my bank of America account, waiting
Product: Checking or savings account

My SunTrust checking and savings accounts were closed a couple of months ago. I never received a check in the mail for the balance.
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I called SunTrust customer service and they told me that I MUST go into a branch in order to resolve the issue. I was told that a check would be reissued the same day at the branch.
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When I got to a SunTrust branch in  XXXX , NC ( I literally had to fly there, as I currently live outside of SunTrust 's coverage in California ), I was told that they would have to put a stop payment on the previous check and wait 24 hours before issuing a new one.
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24 hours later, the branch called and told me that in order for them to issue a new check, I would have to purchase a surety bond for 25 % of the sum of the check. This was contrary to the information the branch had received from the helpline and forwarded on to me the previous day.
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I asked the branch if there was a tracking number for the first check that had been sent to my house in   XXXX   XXXX  , FL. Maybe it was stuck at the post office the whole time? They called me back and said that they could not provide that - either there was no tracking number or they did not have access to it.
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I would like to note that the branch in  XXXX , NC was great. It 's a lovely town and the people who work there were very nice and helpful. They were just given incorrect and inconsistent information by SunTrust corporate.
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I have already been waiting months for my account balance. I have spent a significant amount of time and money trying to resolve this issue. I 'm not purchasing a surety bond unless the bank is paying for it.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am a Consumer that currently reside at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX . I am writing this complaint because I originally filed a complaint with Equifax through the CFPB 's website on XX/XX/XXXX, CFBP case number : XXXX, in which Equifax responded back on XX/XX/XXXX. This response was outside of 30 to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Equifax responded on XX/XX/XXXX, stating that this account was, " NOT REPORTING '' on XXXX XXXX XXXX, Consumer 's, Equifax credit report. However, it's still reporting. After speaking with an agent at Equifax, which was mentioned in the latter complaint filed with the CFBP on XX/XX/XXXX, case number : XXXX, in which Equifax opened the complaint on XX/XX/XXXX. As of XX/XX/XXXX, the time frame for Equifax to conduct a reasonable reinvestigation has expired once again, pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ). Equifax willfully continues to not comply with Federal and Consumer Protection Laws. THIS NEEDS TO BE INVESTIGATED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have had a HELOC with XXXX for many years with the balance for the past year at around {$100.00} and the payments being interest only and around a {$1.00} per month. A couple of months ago the payment processing system would not let me make any payment online or turn on auto bill pay and I would receive an error notice ( image attached ) directing me to a phone number that when called told me to call back later. I had only left the loan open as a line of credit but decided to close it. I began receiving messages that I was in default of the loan and a message from the credit agencies. I immediately wired the entire balance in full on XX/XX/year> and disputed the default to the credit agencies. I received a denial of the dispute with no details. This appears to be done to intentionally drive down individuals credit scores resulting in higher returns for the banks at the expense of the consumer. Defaulting a loan for {$1.00} on while not accepting payments is unacceptable and unfortunately will not be doing business with XXXX again
Product: Debt collection

I entered a consumer credit transaction with NAVY FEDERAL CREDIT UNION and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that NAVY FEDERAL CREDIT UNION claim I owe. NAVY FEDERAL CREDIT UNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage.

It is now reflected on my credit score and XXXX XXXX  has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement.

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). During their investigation, XXXXXXXX XXXX  confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting ino accurate info. someone stole my identify and opened a fraudulent accounts.
Product: Checking or savings account

Cash app continues to withhold incidentals for more than 30 days even after transactions clear and no longer in pending status. Im waiting for a refund of incidentals for a transaction on XXXX XXXX and have been told numerous different stories of why they refuse to release my funds. They give different dates and times along with different amounts for a single transaction that they refuse to release. They will hold your release of funds and state that the hotel has not completed the transaction, then they will state that the hotel has placed a second hold on the return incidentals and that I have to wait 30 days. The hotel denies this second hold and confirms that they have received there funds from the transaction and released the remaining incidentals back to my cash app but cash app refuses to release the funds and required a hold on the funds but blames it on the hotel. There is no additional transaction number or approval number to verify second hold which the hotel states they would need if a second hold was placed. Cash app will not provide any verification for this second hold on my funds. The refuse to verify anything and wont discuss this matter further. They have no right or justification to hold my incidentals after the transaction clears. This continues to be a problem that cash app refuses to provide verification and transparency. Cash app will lie to you and tell you to provide a receipt that shows the hotel letterhead and contact info and a XXXX balance owed on the receipt and when you provide this verification with everything they required on the receipt they still refuse to release the funds and tell you that the receipt is corrupt.
Product: Credit reporting

very " simple '' situation. XXXX XXXX refused to change mailing address, kept sending it to old address, in spite of notification of COA by mail, telephone & online. So then, since they could not get the statement to me, I closed acct. that took weeks, instead of a few minutes.. the " late '' charges are because they would not get the billing statement to the current/correct mailing address. 
I think the problem lies not in billing /accounting, but in customer service procedures. We still shop there, as they are handy. The problem is not with local stores, but headquarters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Error in my Payment History - One Late payment Mark - XXXX : ( Account Number : XXXX - XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to you in order to ask you to help me with my problem in my payment schedule. I have never been late in my payments for the car. Recently there was accrued probably error in the bank or poor autopayment policy that resulted in the late payment. I do not know for what month but the late payment mark appeared in XX/XX/XXXX in my credit report. If you download my payment schedule you could see that I have been paying always on time. I am very reliable and accurate person and my credit history is very important for me. 
Please I am kindly asking you to consider the option to remove negative late payment from my credit report. Unfortunately, my score was decreased for 30 points and it killed my plans about the mortgage for my family. Its very important because I have a big family and I will appreciate your kindness. I wrote few times to XXXX XXXX XXXX but I have not received any answer or help so far. I hope based on my brilliant background with payments you are willing to cooperate with me on erasing this XXXX late mark from my credit report. 
Please remove this one late payment remark from my schedule in credit reporting system. 

Thank you so much in advance for considering my request. 
Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XX/XX/XXXX