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

after meeting all the requirements to obtain kikoff 's advertised {$200.00} cash bonus promotion several months passed and the company still hasn't honored the advertised promotion. i contacted their customer service number at least 20 times and i received the same answer each time. they say that they have no access to any of my information and that id have to contact kikoff through XXXX to which i have done dozens of times and with the exception of the automated email saying " we got your message '' kikofff has only responded 1 time saying that they needed to escalate the issues. that was months ago. since then I've contacted customer support who just tell me they have no info and to email them so i do and they never respond. below are the disputed amounts and dates that Kikoff owes me the money for, has an obligation to and a fiduciary duty to honor and has still not paid me for. I find it very hard to believe that there's not a federal regulation requiring financial intuitions the maintain deposit accounts, checking accounts, loans and credit cards somehow have no way to realistically contact the company and effect a resolution. i'm sick and tired of kikoff just passing the buck or kicking the can down the road by telling me to email some bs address that never replys. now im sure {$720.00} means next to nothing to them, but for a person afflicted with a total and XXXX XXXX who's only income is a ssa monthly benefit {$720.00} to me can be the difference between life and death 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX  Account # 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, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.U 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Dear XXXX XXXX am writing to tell you I 'm trying to work with you on my debts with you but it 's not working outI have XXXX ( XXXX XXXX ) and I can hardly do anything throughout the day. This is my third week trying to write you. I 've got a friend helping me do this complaint that I hope will work. 

You have called me about my debts and it just catches me off guard and confuses me. Please stop calling it just stresses me out. I 've tried to work out payments online and it does n't let me. The last year has been worse than ever and I 'm just trying to work things out before I die.
Product: Credit card

I was shopping for a XXXX XXXX I have the Capital One extension on my computer to help find deals and get the best price. A popup appeared on a particular XXXX promising a XXXX XXXX discount as rewards, {$200.00} in rewards. I made the purchase with my capital one rewards using the links provided. The purchase was made XX/XX/XXXX. I was credited {$11.00} in rewards. When I inquired they stated there was a waiting period etc and that the merchant had to process something. I reached out to XXXX where I made the purchase and was told they have processed everything and the issue is not with them. They were very helpful. 
I made this purchase based on the popups that Capital One sent stating the rewards amount and final price. I have the screenshots of this. They apparently have no intention of providing these rewards.
Product: Credit card or prepaid card

I paid off my American Express Credit Card XXXX, XXXX. I have been complaining and have received six letters from American Express that they are looking into and gave me six different dispute numbers. I have been reported to XXXX that I am delinquent. Each time American Express sends me a letter to acknowledge my dispute, they give name a dispute number and ask for more time to look into and resolve my case. Last week, American Express asked me to give them to XX/XX/XXXX to resolve the problem. I agree and this will be the 7th time to resolve my case. Also, they promised not to report my case as being delinquent, and I noted XXXX showed me delinquent with American Express early in XXXX. Before my last conversation with American Express. American Express did call me back this week and told me that I OWE THEM THE MONEY. I asked to see the statement showing where the charges are coming from and was told they could not provide me since it was last year. They told me I had to go back and check all my statements and payments made. I told them that was not acceptable since they claim I opened another card and I disputed opening a third card.. they said I requested a third card and I told I never did. They claim I had three cards with American Express and ask them to show me where I accepted and sign for a third card. They have really screwed up my two accounts which I have paid in full, therefore I need help from CFPB to make them send me statements showing where I opened a third account and made charges.
Product: Bank account or service

We purchased a purse from a business that described it self as Coach, selling hand bag, in leather. Upon receiving the bag we discovered that it was neither a Coach bag nor was it in leather. We contacted our bank, USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX and submitted the information requested. We had tried to contact the merchant but the XXXX number was not the business and also noticed that the item was shipped from XXXX XXXX. 

With that information in hand, my bank further demanded that we either get Customs to validate it was not a Coach bag or to take it to a Coach Store and have them document that it was indeed not a Coach bag. We contacted Coach and were told they would not provide such document. ( why would they want to get involved ) .So our bank has stated that unless we obtain a letter from Coach, the charge back request would be denied and that we are out the money. 

We believe that such a requirement is burdensome, beyond what should be ask from a customer to supply, and unrealistic for a consumer to obtain.
Product: Mortgage

We want to drop our PMI on our home loan through Ditech Financial. I formally  requested ( in writing ) this be dropped and was informed we needed to have an appraisal completed first. We sent in authorization for appraisal and was told we were responsible for 50 % of the {$420.00} appraisal fee due to living in the State of WA ( law ). We were also told that the appraiser had to be appointed through Ditech. 

We had our home appraised XX/XX/XXXX. We received the appraisal approximately 3 weeks later after following up multiple times via phone with Ditech to inquire on status. 

The appraisal had multiple mistakes ( square footage incorrect, bad comp 's, etc, etc ). I began the process of trying to get answers on how to formally request a dispute. I had to call 3 different times and received various and different responses on how to actually go about this. Finally I found someone who said I needed to submit it in writing. 

I submitted my formal dispute letter on XX/XX/XXXX via US Mail. This package included over 45 pages of detailed reasons as to why I was disputing the appraisal, with backed up evidence/facts/comps, etc. I even included the Tax Assessed value from the County Tax Assessors office which was significantly higher than the appraisal amount. ( See attached ). 

I still can not get anyone to respond to my formal dispute. I have made the following attempts at contact and still stand waiting. I am so frustrated and need answers. The will not help me and I still continue paying the PMI month over month, even though the value is there in our home. Please help us. 

Lastly, they also mischarged us for the appraisal itself. We were told IN WRITING that we are only responsible for 1/2 of the {$420.00} appraisal amount, so {$210.00}. They have billed our account and are taking my extra monthly principal payments towards " advances '' and claim that we owe {$560.00} still. They have taken {$160.00} towards advances, but on my account only it shows posted to my accounts in a category of " Late Fees '' We have NEVER been late on a single payment since loan inception on XX/XX/XXXX. I asked how they even came up with that and a supervisor acknowledged there were billing errors on their end and he would look into it. Again, no calls back. 

See below details on my calls and web Inquiries via the Ditech.com site ( logged in )  where they promise a 30 day response - STILL they have never respond to a single web inquiry. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I've done everything in my power to try and get them to help us with an incorrect appraisal, incorrect billing of appraisal amount and gross misconduct of mis-applying my additional monthly principal funds to " advances '' or " late fees '' and they will not help us no matter what we try. Can you please help us, we are desperate and so exhausted/frustrated. 

I am sending this exact complaint in a letter form to Ditech today as well. 

Thank you in advance.
Product: Payday loan, title loan, personal loan, or advance loan

I completed a loan payment on XXXX XXXX with Oportun and the receipt showed my next payment to be {$0.00} however, the receipt still shows a balance due of XXXX cents. I went to the location XXXX times, emailed them XXXX times, and phoned them XXXX times to resolve this issue. The store location, does not accept change ( nor ) can the XXXX cents balance be paid. I submitted a complaint through the XXXX  and received a letter from the XXXX XXXX XXXX XXXXXXXX via XXXX  email on XX/XX/year>, which stated the XXXX cents balance would be credited to my account and I would receive a mailed copy. I phoned Oportun on XX/XX/year> to follow-up because I did not receive the documents by mail. On XXXX XXXX, I received a Paid In Full letter and receipt via email HOWEVER, the receipt still shows a balance due of XXXX cents.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Merchants & Professionals. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. On XX/XX/XXXX the company sent a statement reflecting a balance owed for my daughter XXXX XXXX who was covered under XXXX and therefore charges should have already been paid. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and therefore a 2nd validation letter was sent, along with a copy of letter sent by the agency as well as a copy of my daughter 's XXXX card requesting further review as the account should have been covered in full. As of today I have not received any further correspondence from creditor to validate these accounts as not having been paid tand furthermore I do not believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was ran through XXXX and remains unpaid and all reported information is correct.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Checking or savings account

For years we had our accounts with USAA ( United States Auto Association ) setup to pull overdrafts from our savings account. If for some reason we did not have enough money in our savings account the money would be applied to a credit card. Within the last two years we have been hit with NSF fees even when money was in our savings account. They have also stopped drawing from our credit cards opting to instead bounce the transaction and then charging us a {$29.00} free. They say nothing has changed but we never got hit with fees until XXXX. The latest transactions occurred XX/XX/XXXX incurring a {$29.00} fee. Something that they also do is they will send checks to the company that we are trying to pay and when that check bounces they hit us with a bounce check fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX Credit back in XXXX trying to explain to them that my Credit Builder account on my Experian was posting a Credit Limit and Credit Utilization in which they clearly stated on there website would not be reported. I also, have there advertised " Safer Credit Building '' feature turned on so it should never be a balance on my account. This is a prepaid Credit Card I can only spend what I put on the card so how do I have a balance and a utilization they are reporting of 738 %. 

I have reached out to XXXX  several times as well as trying to dispute with the credit bureau only to have XXXX say the information given was correct when that is not the case. This has been stressful for me and has halted my goal of getting a mortgage for myself and children.
Product: Credit card or prepaid card

Comenity was houses XXXX store credit card called my dad on his cell phone today. That phone number 1 ) was never given to them and 2 ) does not belong to me. Why did they call it and NEVER CALL IT AGAIN.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against of Cash App ( Block, Inc. ) because of inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take effective measures to prevent and address fraud on their platform, which makes my account vulnerable and unprotected. Also, their dispute regulation process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant loss of funds in my account, which is incredibly inconvenient, and I seek appropriate redress for these actions.
Product: Student loan

On XXXX XXXX a check was sent to Navient via certified mail. The check arrived and was withdrawn from the account the the XXXX. The check had the account number in the memo line. After not seeing the payment post on my account, I contacted Navient and was informed that they dont have record of the payment. They requested a bank statement to confirm the money was withdrawn. I refused to send a statement as the check was written from a business account and I find it ridiculous that the company was able to deposit the check and now expects me to send more financial documents.
Product: Money transfer, virtual currency, or money service

This crime took place XX/XX/year>. This incident was brought to my attention XX/XX/year>. 
Both were Western Union money orders purchased at the XXXX XXXX XXXX stand XXXX XXXX. 
XXXX XXXX, XXXX. The first money order was made out to XXXX XXXX XXXX XXXX XXXX, Fl. in the amount of {$170.00} and the other was made out to XXXX XXXX XXXX, XXXX in the amount of {$120.00}. Both were mailed directly across the street in the US postal mailbox. Western Union charged me {$15.00} for each money order that was traced. Both money orders were scrubbed, forged and cashed. A police report was made, the postal police were also notified. The copies of both reports were sent to Western Union Financial Services Inc. XXXX XXXX XXXX, XXXX Mail Shop : XXXX XXXX. Western Union was engaged in tactics that are unethical and uncooperative. There has been no reimbursement up until this time. I have all copies and documentation pertaining to this matter ; if you should find it necessary I will provide it at your request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXX Phone : XXXX
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. 
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 have violated my rights. 

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.
Product: Checking or savings account

I called this Comdata customer service regarding my current balance. I had a balance of {$2600.00}, and it appears as a balance of 0 right now. I spoke with a Spanish customer service representative at XXXX pm, who advised me that the company I used to work for was the one that made the withdrawal which I found to be odd because they do not have that permission. My wife tried to call again to request evidence of this withdrawal, and this representative was answering the call and acting as if he didn't hear my wife and remained silent. My wife then called again from her number and tried with the English line at XXXX pm because we thought the previous representative knew my number and wouldn't assist us ( sketchy ), and a representative named XXXX assisted her with me by her side. My wife asked for an email with the evidence ( statement ) showing that the XXXX XXXX was indeed the one that made the withdrawal and provided her email. An hour passed, and there was no email with this evidence ( statement ), my wife called again to request the statement copy, and someone answered and remained silent again ( suspicious ). I believe this is a big fraud and that this company stole this money from my account because it is super sketchy that they do not answer or remain silent after we speak about the issue. I believe that they thought I forgot about this account/card or something because the last time I used it was when I was in my XXXX in XXXX XXXX. This money is from hours of hard work, and it is not fair that they took it ; if this is not resolved, I will sue this company, and if I have to take it to the last of consequences, I will. This upcoming Tuesday, I will speak to a lawyer because this is unacceptable and a big fraud. Is very suspicious of how the employees are acting and this company. I have never had any issues with any card that they take my money and then pass the ball or accuse another company that does not have access to make any transactions on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently refinance my car though my credit union ( XXXX XXXX XXXX XXXX ).  My previous creditor was XXXX XXXX. XXXX XXXX gave me a payoff amount of {$24000.00}. XXXX XXXX XXXX XXXX cut me a check dated XX/XX/XXXX. The check was mailed to XXXX the same day. It took XXXX weeks to locate my payment stating since they hadnt received my payment within the 10 pay off balance, I owe an addition {$85.00} ( interest fees ). I complained about that because my check clearly states the check date and the check date is well within the 10 payoff. My car has been paid off in Total with XXXX XXXX since XX/XX/XXXX and they have not updated my payment status since XX/XX/XXXX. Since XXXX has not updated my credit since XX/XX/XXXX it appears as if I have 2 car loan with 2 different companies. This is affecting my credit severely by increasing my debt and lowering my credit score. I have since contacted XXXX a few times asking why my credit has not been updated. They stated they have been having issues with their system and my credit will be updated by the end of XX/XX/XXXX. It is now XX/XX/XXXX and my credit has still not been updated. Now, if I was late on my car note payments they would have no issue with reporting this to all 3 of the credit bureaus. Im attaching my proof of payment and I want my credit update immediately.
Product: Credit card

Portfolio Credit recovery services called me at XXXX XXXX, well past Florida law time of XXXX. They call often, from spoofed numbers. Many of the times they call after XXXX. I am sick of this harassment that is breaking Florida law. I want damages.