23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the XXXX XXXX Account with XXXX XXXX Transunion online after viewing my credit report and noticed that these accounts have been reporting a false payment history. Since the XXXX XXXX account was closed/charged off in 2019 no payment history should be reported or should be accepted buy any data furnisher after the closing date. This XXXX XXXX account is still reporting a payment history after the closing date. Please have this XXXX XXXX account removed from my credit report due to inaccurate reporting and acceptance of inaccurate reporting by XXXX XXXX Transunion.
Product: Mortgage

UNPAID ACCOUNT Property Tax Bill The current amount due is {$1400.00}. The probable cause for this delinquency is XXXX XXXX failed to send the full amount due, back in XX/XX/2018. The original amount due was {$1200.00}. XXXX XXXX only sent {$1200.00}, therefor County Tax Collector returned the partial payment and stated they can only accept full payment! 
As of XX/XX/XXXX, 2 emails, 2 phone calls and still not resolved. Or any communication from XXXX XXXX.
Product: Credit card

Subject : Complaint Regarding American Express Rewards Booking for XXXX XXXX in XXXX XXXX Dear American Express Customer Service, I hope this message finds you well. I am writing to formally lodge a complaint regarding a booking I made through the American Express Rewards website for a stay at XXXX XXXX in XXXX XXXX. I encountered multiple issues during the booking process, which I would like to address : Incorrect Date Selection : The calendar displayed on the website was not aligned with the XXXX  calendar, leading to an incorrect date selection during the booking process. 
Confusion Regarding Pricing : There were XXXX different price listings for the same room. When accessing the website via mobile, I could not tell whether the difference in prices was due to refundable and non-refundable terms. This caused confusion regarding the terms of the booking. 
After completing the booking, I realized that I had mistakenly selected the wrong dates. I immediately reached out to American Express to request a date change. However, I was informed that since the booking was made under the non-refundable and non-changeable terms, they were unable to assist. I was told that I could request a change directly with the hotel, but American Express could not guarantee anything. 

Hotel Confirmation : I directly contacted the hotel, and they confirmed that a change could be made if requested by the booking agent. I provided this information to American Express, but I received no clear response for several days. The process was delayed multiple times without any resolution. 
Change Availability and Additional Charges : On XX/XX/XXXX at XXXX XXXX, I was informed that the hotel was willing to allow a date change, but there would be an additional charge of XXXX KRW. I was also told that the change could only be made once. 
Discrepancy in Charges : On XX/XX/XXXX, I replied to the email at XXXX XXXX, inquiring about the additional charges despite the existing payment. The original booking was for a XXXX stay ( XXXX MR ), and the requested change was for a Thursday-Sunday stay ( XXXX MR ). I questioned why additional charges were being applied under these circumstances.
Product: Money transfer, virtual currency, or money service

Cash app has frozen and locked XXXX on my account also have disabled my card without warning
Product: Credit card or prepaid card

On XXXX XXXX 2017, I applied for the citibusiness aadvantage credit card based on an advertisement from citibank that I would receive XXXX XXXX XXXX miles once I spent {$3000.00} on the card within 90 days. I was approved for the card but upon calling to activate the card I was informed that I did not qualify for the promotion because I had the same card product within the last two years. This is not true ( I have not had the card in the last 2 years ) and this fact was confirmed by the representative on the line who looked at my card history with Citibank. I was told that a request would be submitted to the promotions department but since then, after five separate calls ( speaking with, among others, XXXX, XXXX, and XXXX ( XXXX ) Citi has not been able to provide me with any evidence that I have ever had a card with Citi in the last two years that would disqualify me from this promotion. I believe that Citibank should honor this promotion and extend the qualification period so that I have the full 90 days to spend the required {$3000.00} on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending several disputes to XXXX XXXX and XXXX  in regards to an account on my consumer report reflecting inaccurate information I am receiving the decision that this account is being verified and continues to report several inaccuracies. On XX/XX/XXXX after speaking with a representative from XXXX in regards to the inaccuracies showing on the account I asked if I could see the proof of Verification as they claim to have verified the information as accurate. I was denied this information as they stated that they do not provide the proof of verification. I was then instructed to call XXXX XXXX XXXX to obtain a copy of the contract to prove the inaccuracies that is currently being reported as far as the past due amount and the fact that this account has been closed for several years and not open as it is currently reporting as an open account. After speaking with 2 different agents from XXXX XXXX XXXX plus a supervisor on XX/XX/XXXX I was told that they are unable to provide me with a copy of my contract due to the fact I was unable to answer 1 of the several questions to prove my authenticity ( even though I provided my SSN, name, D.O.B, address at the time and the Dealership where the car was purchased from. I then contacted the dealership and ask could I get a copy of the cont tract and I was told that after 5 years they shred it leaving me with no other option to resolve this situation which has caused me financial hardship due to the inaccurate information that is currently reporting on my consumer report.
Product: Money transfer, virtual currency, or money service

They took my personal information without my consent. They also took money from me and I never received it back.
Product: Student loan

I have an account with HHLoans with the Texas Higher Education Coordinating Board. 
The most recent student loan payment of {$1500.00} was withdrawn from my savings account on XXXX but my student loan account only shows a payment of {$400.00} that was received on the same day. The actual loan price decrease on both interest and principal was {$210.00} ( of which {$170.00} was interest and {$40.00} was principal paid on Loan ID XXXX ). This leaves {$180.00} unaccounted for when compared to the {$400.00} amount shown as paid according to the portal and {$1300.00} unaccounted for according to the amount that was withdrawn from my savings account though ACH enrollment on XX/XX/XXXX. I sent the THECB an email addressing their transgressions and five days after the original transaction, a second payment of {$1100.00} was shown to have been processed on XX/XX/XXXX ( and listed BEFORE the {$400.00} amount ) which is a complete lie. Besides the last minute transaction, there is still money unaccounted for and they are not addressing the issue. Their email responses are completely irrelevant that don't address my concerns and they don't have a working phone number. I also have no say in where my money goes in excess of the minimum monthly payment despite the ACH payment system.
Product: Bank account or service

I had an online savings account with Discover Bank and logged on XXXX time in XXXX, 2015 and could not access my accounts. No one could tell me what was going on with my account. I finally had to try to call the CEOS office and got someone to tell me my account was frozen. To this day I do not know what the reason was for my account being frozen and never received any letter explaining what went on with my account. When Discover Bank froze my account, they prevented my bill payments from getting paid. Thus resulted in all kind of fees and even my credit cards being cancelled because so many payment had been bounced by Discover.
Product: Credit reporting or other personal consumer reports

Walked into brick and mortar location to handle this and still on my credit report. Account settled years ago. For XXXX dollars on a secured account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit reporting act THESE COMPANIES have violated my rights : 15USC 1681 Sect 602a states I have the right to privacy. & 15 USC 1681 sect 604a Sect 2 also states a consumer reporting agency can not furnish a account without MY written instructions. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX. Please delete these accounts ASAP.
Product: Money transfers

On XXXX XXXX, 2016 I made a payment by wire Transfer to XXXX XXXX for XXXX XXXX XXXX listed as New. After not receiving any email confirmation and seeing some posting online, I contacted my bank ( bank of America ) to cancel the wire transfer, case XXXX, my bank then contacted XXXX bank who refused to cancel the wire, just and after only contacting the seller. So the transaction proceeded and to my surprise I received two used switches packed in the same box. I called immediately and after heated exchange, got the authorization to return the items, which I did the same day by XXXX. The seller then used many delay tactics to delay processing my refund. even though I did not received what i ordered, at some point I was even open to being charge restocking fee. It is now more 3 months after the initial transaction and the seller is yet to give me any refund. I believe at this point I am entitle to a full refund, and hope you can help get this issue resolve. I will join to this complaint all necessary documentation including email exchanges. I have contact the XXXX and XXXX you were unable to get a response from the seller XXXX XXXX ( XXXX ). I feel at this point even his bank XXXX if someone allowing the company to defraud customers by not responding to their complaint in a fairly fashion. And since I have contact the bank and not able to get the seller to corporate, that his Bank XXXX should be held also responsible for the transaction.
Product: Money transfer, virtual currency, or money service

I reported a fraud transaction on my Zelle account. I reported it to Zelle and my XXXX XXXX and my funds were refunded. After that incident, Zelle, without notice, suspended MY Zelle account. I called numerous times, sent emails to Customer Service and Corp Office and no one can tell me what policy I violated. I have perfect credit, money in my accounts and rarely even use Zelle. Zelle will not disclose why I have been permanently suspended. Zelle acct XXXX
Product: Credit reporting or other personal consumer reports

There is a XXXX reporting on my credit report, These XXXX is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my XXXX XXXX so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent OPEN AND CLOSED ACCOUNTS and INQUIRIES on my Equifax, XXXX 's And XXXX credit report To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ), I challenge all inaccuracies and deficiencies of reporting. Per the FCRA compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Product: Credit card

I purchased a large sum of furniture from XXXX through a promotional program they offered via Comenity Bank in XX/XX/year>. The promo was for XXXX XXXX interest for XXXX  months. 

Part of the process was to establish an online account with Comenity Bank, which I did. I also set up automatic payments and entered into paperless notifications. 

Nowhere in the process of setting up paperless notifications does the site tell you that you will NOT receive emails regarding your account or payments during the period of the promotion. For just about every other service I pay for, when I enter into paperless billing, I get an email EVERY XXXX month. I also get notified about certain price increases that have occurred due to things like high energy use for any given month. 

The paperless option provided by Comenity Bank feels like a trap. They are banking on consumers forgetting the date to which they need to pay the amount in full so that they can begin raking in the interest at XXXX XXXX. 

Furthermore, the user interface on their application did not work when I attempted to set up automatic payments. I had to call in and set it up because the interface simply would not function. To me, it seems like this online/digital experience is an afterthought for Comenity Bank which puts consumers like myself in serious financial jeopardy. 

XXXX  years went by and all of a sudden I was hit with an interest rate charge on the principal amount of XXXX XXXX  which totaled over ~ XXXX. This is nearly the amount I have left to pay on the account ( ~ XXXX ). 

Had I been notified via email or any other form of communication that I would need to pay off the remaining amount ( ~ XXXX ) in my account to avoid ~ XXXX in interest payments... I would have paid the remaining amount in full right away. 

When I called Comenity Bank to offer a fair resolution, they denied it.
Product: Debt collection

Called from a unknown number claiming I owe XXXX from XXXX. Threatened legal action if I didnt pay right away was insisting I pay anything just to slow down or stop the legal action. Claimed I had account from XXXX. In which I was homeless during those times and have no recollection of ever having such a account. 

They claimed it was from Wells Fargo bank. Ive had previous issues with identify theft so I believe someone has stolen my information They were persistent on me sending money right away even after I asked for company address and information They called from restricted numbers saying they had legal documents that will be delivered for me to sign.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be an error. XXXX XXXX XXXXXXXX OPEN DATE : XX/XX/year> - ACCT # XXXX HIGH BAL : {$580.00} / BAL OWED : {$570.00}. Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Mortgage

My wife and I attempted to refinance our home to obtain funds to replace the roof, reduce revolving debt, and home improvement. Just prior to closing/settlement the lender 's attorney identified a cloud on the title. The cloud was a paid off HELOC with PNC Bank from two years ago which PNC had not filed a mortgage release. Attempts to get this issue resolved have met with us and our lender being handed from office to office, each stating this is not their department 's responsibility or refusal to return calls. We, with the assistance of our lender, have filed a formal request for release, but have no idea whether it has been received, or delivered to the proper lien release department. 

Two years ago when we received a HELOC loan Maturity Date notice it was clear from the letter that if we had paid off the HELOC at the Maturity Date a release was to be issued by PNC. The HELOC was paid off on XXXX/XXXX/XXXX, 5 days prior to the Maturity Date. Based on the letter it was not felt that a formal request for lien release was required. Frankly, it is my lender and the settlement lawyer 's opinion that having failed to issue this lien release is in violation of Alabama XXXX XXXX XXXX, in any case we have made a formal request for release which starts the 30 day clock ( beginning XXXX/XXXX/XXXX ). There is a subsequent Alabama XXXX XXXX XXXX establishing a penalty for failure to meet the 30 day time frame. While such a penalty is insignificant to a bank as large as PNC, it would be an interesting exercise to determine if PNC 's delinquency of providing lien release is endemic and reflects on the PNC 's sound banking practices. 

Dealing with the frustrations and delays of a clouded title has resulted in substantial stress and loss of sleep trying to determine an expedient resolution of this issue. 

Pertinent Facts : 1 ) We refinanced our home with PNC in XXXX, it was clear on the XXXX that part of the proceeds of the refinancing was to pay off the existing mortgage with XXXX XXXX XXXX AND pay off our PNC HELOC. Additionally, there was an XXXX to the XXXX stating the funds from the proceeds of the refinancing with PNC were to settle these XXXX mortgages. PNC filed a release for the existing loan and failed to file a lien release for the pay off of HELOC. 
2 ) It is clear from the HELOC Maturity Date letter of XXXX XXXX, XXXX that PNC 's policy is to file a lien release if the balance of the account is {$0.00} at the Maturity Date. The PNC HELOC account statement dated XXXX/XXXX/XXXX clearly states that PNC received funds to zero the account prior to the maturity date. 
3 ) Failure to remove this cloud on the title of our property is violation of XXXX Code and may jeopardize the interest rate lock on our in-process refinancing effort and/or cost us extension fees. 
4 ) PNC 's lack of being helpful in clear this oversight on their part is not indicative of a bank that has safe and sound finance practices. 

The lesson to be learned is for HELOC payoffs one must verify that a lien release has been filed. To be safe one should file a request with the financial institution who held the HELOC.
Product: Student loan

I have worked for the State of Wisconsin for more than 6.5 years and I have been properly enrolled in PSLF for that entire time, updating my income and certifying my employment annually. I recertified my employer every year even though my agency has not changed. I was already enrolled in an IDR plan for that entire time, as well. 

Mohela removed me from the IDR plan I had been in. Somehow my application was submitted for an incorrect IDR plan, all I wanted was the same. It went through the US Dept of Ed only to be denied by Mohela in XXXX. Mohela then put me into a level payment plan rather than defaulting to my previous plan. The level payment plan makes me ineligible for PSLF! I immediately submitted a second application through the Dept of Ed for the correct IDF plan ( I certainly hope ) and Mohela has been sitting on that application since XXXX. Nothing has been updated. I have received no bill. Everything still shows I am ineligible for PSLF now because I am in the wrong plan. I called Mohela on XX/XX/23 and they put me in administrative forbearance but are charging me 6.8 % interest while they catch up on doing their job and I have no assurance XXXX will count towards my remaining payments. 

If my original application had been processed timely, or if my loans had defaulted to the previous, correct payment plan, everything would be fine. But none of that has happened. On the website it still shows my application is processing and the level payment plan. I have not received a bill at all, but right now, that bill would be wrong because Mohela hasn't processed my payment plan application they've had since XXXX. It should have been so easy to update my previous plan. The Dept of Ed and Mohela both had access to my IRS info. My employer has not changed. My address did not change. Nothing. This should have been so simple - but somehow Mohela has XXXX everything up completely. Was this not the company suing the federal government so they could start collecting these loans? They now say 'unprecedented ' but they knew how many loans they agreed to service and didn't invest in the staff to process them. This is all on Mohela. 

It is unclear to me why every PSLF applicant MUST use this company. The first thing they have done for me is erroneously make me ineligible for the PSLF program I have been in for 6.5 years and now refuse to fix it.