23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX set up payments with me to pay off the account. The last communication was on XX/XX/2023 in which they accepted a payment. I asked if I had to call in every 2 weeks to make the payment and was advised " yes because of the way the account was set up ''. At no time did they notify me that the account was being sent to collections. Additionally, I never received any notification in writing. 

After accepting the payment on XX/XX/2023 my credit was flagged on XX/XX/2023. The account is paid in full. I requested a payoff letter which they advised I would receive and I have not received it. I also requested for a good will deletion from my credit report under the basis that XXXX NEVER indicated this account was being sent to collections Instead, they set up payments, accepted them then did a bait and switch thus ruining my credit. 

As a long time customer is very disturbing that XXXX would deceive a consumer in this manner. The representative could have very well been honest about the account on XX/XX/2023, instead they withheld information that could have been corrected that day. 

I am requesting that this negative impact be removed from ALL 3 credit reporting agencies immediately. 

I am unable to send any documentation with this complaint because XXXX never sent anything in writing. I only have my bank statement where they were paid.
Product: Credit card

Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.
Product: Credit reporting

1. I have been unable to receive my credit report from Experian via www.annualcreditreport.com due to a problem on Experian 's end ( according to the error message ). This problem has continued for over a week. Other complaints online suggest that the problem has continued for much longer. 
2. The site offers a way to receive a report by mail, but the request form is corrupted. I am unable to load the form. Other complaints online mention that the form 's PDF file is corrupted.
Product: Checking or savings account

In 2014 my current account with Chase had included the of benefit a safety deposit box for free, they opened for me at XXXX XXXX XXXX branch. I have never used it, the bank decided to remove last year the product as benefit, they are charging me as automatic payment XXXX for it which I have been paying so far because they do not allow me to close the box unless I personally go to the mentioned branch. I live in XXXX by now, I am not able to travel to XXXX to do this closure at the branch as they request. I have nobody to provide a power of attorney to do it for me there. I continue having all the products with this bank, I have contacted customer service number XXXX requesting assistance to close it, they referred me to a branch in XXXX, I filed a complaint with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX who was very surprised this is the rule for the bank and tried to support me without success. I receive a call XXXX from their call center saying again I need to go to the XXXX branch if I want to close it, without any solution. I was confirmed even if I close all the products I have with the bank the safety box will remain active and chargeable. I am not rejecting the payment of it but I do not need the product that the bank offered for free and now to be able to get rid of it I would need to travel to another state with the expenses involved. I does not seem to be fair for a customer to be given a product by the bank and having after this big issue because they just decided not offering it anymore, not allowing the customer to close the product. 
my name is XXXX XXXX XXXX XXXX, the safety deposit account is XXXX offered within the package of my current account XXXX. The bank is obligating me to a product that I do not need nor want or requested. I believe nobody should be obligated as they are doing to have something you do not need. They should allow me to close it from any of the branches as the bank offer country wide service/branches.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: 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 failed to take timely and effective measures to prevent and address fraud on their platform, leaving myaccount vulnerable and unprotected.

Furthermore, their dispute resolution processwas unfair and deceptive, as they did notcomply 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: Checking or savings account

I have a checking account through Citizens Bank and pay my debts through online bill pay. On the XXXX of XXXX I submitted payment amounts to four institutions : XXXX credit card, my water department, an XXXX XXXX bill and my car loan payment to XXXX XXXX. The first three creditors were sent out ( as usual ) on the following day. My XXXX payment is a minimum of {$270.00}. I always send {$100.00} to {$200.00} more so that I can reduce the interest accruing on the account. After I received my federal tax return, I chose to send an additional {$5000.00} ( the total amount I submitted was {$5400.00} ). I did so with the intent of lowering my principle and therefore the interest I would owe on the account. The amount of the payment was in my checking account. But Citizens would not send the payment until the XXXX. On top of this, they sent the payment by a check. To date, XXXX has still not received the check and it is now 5 days since the check was sent. My payment was due on the XXXX, and although XXXX has assured me I have a 10 day grace period, I am angry because I have never been late on any payments to anyone! My credit score has always been in the 800s and that is now at risk. I have lost, and continue to lose money that should have come off of my car loan principle. And I am now at risk of incurring a late fee if payment does not soon reach XXXX. When I called the online payment center of Citizens, they said they have a third party that makes the payments and that they are not responsible. They said this third party was an institution called XXXX. I called this morning and spoke to an operator who said her name was XXXX and when I asked her to spell XXXX ( to make sure I had the spelling correct for this complaint, she said it was spelled XXXX. I asked her to confirm the spelling. I think that Citizens or XXXX held onto my money without my authorization and cost me financially. Is this an unlawful practice and can I recoup the money that should have already been taken off of my principle? As well as any late charges that may yet be incurred? Is this a legal practice and do I have any recourse to settle this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX Veteran with a VA mortgage with XXXX XXXX. We have never been late or missed a mortgage payment. On XX/XX/XXXX, my families home was completely destroyed in a fire, unrelated to a Federal Declaration. Upon inspection we were informed that the home would take upwards of a year to be rebuilt and due to misinformation given by XXXX XXXX   department we found out that we lacked homeowners insurance and are responsible for paying for the rebuild out of pocket. We immediately contacted XXXX and requested information on assistance or options to avoid losing our home and were directed to apply to loss mitigation. We submitted the application and documentation due to the extreme hardship and additional costs related to rebuilding our home, paying for temporary housing in the interim and replacing everything in the interim. We were approved for a special forbearance plan effective XX/XX/XXXX that suspended all payments for 7 months and were directed that if more time were needed to submit a letter with the request. Prior to and after the approval we were asking XXXX  staff how the loan would be reported if we were approved for a loss mitigation plan and were told that XXXX would report that we were in a payment plan due to a disaster, but once the plan was in place XXXX has only been reporting that we are in default and not that there is a approved payment plan in place and agreed to due to the disaster we experienced. As its being reported presently, it looks as if we are simple not paying our mortgage.

Ive contacted XXXX multiple times since XX/XX/XXXX to discuss how they are reporting to the bureaus, requested that they amend and/or correct the information and Im not getting answers or responses to my requests and questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not consent to authorize nor benefits to any of the following account 15 usc 16802 ( p & 15 usc 1028 ( A ) 1. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reported my mortgage payment late ( 30 days ) in the month of XXXX which is not accurate. I originally submitted the payment on XX/XX/XXXX from another financial institution and wired funds to cover the mortgage payment. XXXX XXXX XXXX XXXX had technical issues corresponding with XXXX XXXX XXXX online access to receive the wire. After being on the phone with CSR ( customer service representative ) from XXXX XXXX XXXX XXXX and XXXX over an hour, we were finally able to get the wire submitted to the credit union. The wire posted into the account the next morning of XX/XX/XXXX and I transferred the payment amount on that exact date to my mortgage loan of {$1200.00}. I have had this loan with XXXX XXXX XXXX XXXX since XXXX of XXXX. Refinanced in XX/XX/XXXX. I have NEVER been 30 days late before. This mortgage payment was made and transferred to the proper account before the XXXX calendar day of the month. I'm seeking a credit reversal to reflect accurate information on my credit report.
Product: Student loan

On XX/XX/2020 I received an email from my student loan servicer, Navient, titled " Coronavirus Update ''. It directed me to a COVID19 Information page on Navient 's website which stated that, " as part of the new Federal legislation passed on Friday, XX/XX/2020, we have suspended payments and interest accrual on all U.S. Department of Education owned loans until XX/XX/2020. Navient has sent notification in writing to all eligible borrowers. You can always check your loan status by logging into your account. '' Today, XX/XX/2020, I logged into my account to check the status of my loans. They are still in repayment and accruing interest. 
In fact, on XX/XX/2020, they sent me an email, reminding me to make my XXXX loan payment, which I did.
Product: Credit reporting

I was able to get a copy of my credit report and saw that I had numerous inquiries were not authorized by me. I spoke with several reps from Equifax and which no one was able to assist in the matter. I disputed them online and asked them to send me an updated copy of my report with them removed. Their response was simply giving me the definition of an inquiry, in which I am aware of. The second time I contacted them in regards to the situation, the representative was extremely rude and continuously cut me off when I was trying to explain to her the situation.
Product: Vehicle loan or lease

purchased a vehicle through carvana.com website and sales contract stated a specific amount of interest and interest rate and there was no paperwork from the actual lender included and the interest rate appears to be significantly higher then what was on the signed contract. Originally the loan was with XXXX   which is who payments were being made to and then was sold to a company called XXXX
Product: Debt collection

XXXX XXXX, I received a call from them XX/XX/year> that I owed a debt after I notified XXXX portfolio to send me a validation letter they went off to tell me to give them my email. I told them to send me a validation letter thru mail in which they seemed to have my address and include all info I needed from them. Very rudely he said u already know what u owe even to call me a rude name. This is very rude and unnecessary tactics and very unprofessional and he did not have to call me an unpleasant name. Please investigate this company. This was my first time speaking with them this is very unfair and did make me feel uncomfortable.
Product: Student loan

Before transferring from XXXX to EdFinancial, I made a lump sum payment of {$870.00} on XX/XX/XXXX to cover payments for the entire year for my public service loan forgiveness ( PSLF ) monthly payment of {$53.00}. Despite making the lump sum payment to cover the entire year, EdFinancial is asking me to make a payment of {$53.00} on XX/XX/XXXX. I have provided and uploaded EdFinancial proof of my lump sum payment from XXXX, but the amount due has not been adjusted. 

On XX/XX/XXXX, EdFinancial 's customer service representative called me regarding my issue and told me that until XXXX fully transfers my student loan information to EdFinancial ( including proof of my lump sum payment ), I have to make this XXXX 's payment. The customer service representative also said that if I were to later submit a refund request for the payments that I believe I shouldn't have to pay, there is no timeline for when that refund would be processed. I already uploaded proof of my lump sum payment to EdFinancial through their online upload form, but the customer service representative said that the document was not enough proof. 

Please see attached my lump sum payment proof as well as a screenshot of EdFinancial 's website showing that I have an XXXX payment due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Around XX/XX/2019, I requested A loan from oasis financial service. I was involved in a XXXX XXXX XXXX XXXX  accident. On XXXX, my husband was a XXXX patient and we needed funding for expenses. I got their info from my attorneys office. So I applied for and received {$500.00}. Thru the years a did request additional funding but was denied. I was told my condition was not approved because I didnt require surgery, therefore the results from my claim would not be very profitable. I still applied a year or two later, but the answer was the same. Once they did say I was approved, but never released any funds, claim the loan officer change their mind. Now weve reached a settlement, and I found out that oasis says I owe {$15000.00}. My attorney claimed the wanted even more. I let them know I never received that much, Oasis has grossly overcharged me excessively and I have only one copy of the agreement sent thru DocuSign.I dont know how they were able to duplicate and sign more loans without my knowledge. They sent agreements to the attorneys indicating that I obtained several loans with Exorbitant fees with this false signature, I would have. A copy of the of the agreement each time I signed, I was I entitled to have a copy of each loan at the time of signing. Not send to the attorney at settlement. I do believe that have committed fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email that said I had a credit card on the way from Best Buy XXXX. Looking further into email, I found a duplicate receipt was emailed to me on XX/XX/XXXX with a purchase of an XXXX XXXX and an XXXX XXXX, totaling {$1700.00}. As I didn't initiate this credit card application, nor did I make those purchases, I called Best Buy Credit on XX/XX/XXXX to open a case. As it was the weekend, all they could do was close the account, but couldn't put me in contact with their security operations department to open a case. I called again later in the week and answered some questions they asked me to initiate the case. They told me it could take up to 90 days to complete the investigation. Shortly thereafter, I received the credit card in the mail. 

Meanwhile, I also filed a complaint with my local police department, XXXX XXXX police XXXX XXXX XXXX was updated with this fraudulent account ( as this was the second account opened fraudulently within a week, and I had already opened a complaint with them for the first. XXXX on the first XXXX is under CFPB Complaint ID XXXX. ) I also put a credit freeze with all XXXX credit bureaus at this time. 

I just called Best Buy XXXX for an update, and they said this is still under investigation.
Product: Student loan

In 2018 I was provided with a Public Service Loan Forgiveness Employment Certification Form which I submitted to the Department of Education/XXXX XXXX I was denied the forgiveness of my loans after 10 years of public service. However, I kept paying the loans. 
Now there's a lawsuit against XXXX XXXX and I need my account to be examined.
Product: Credit reporting

There were XXXX hits on my trans union credit report where there should only have been XXXX. It was from XXXX Bank and I have already asked them about it and they said they only requested XXXX report. They requested it on the XX/XX/XXXX and my report shows another on the XX/XX/XXXX. I want it removed.
Product: Credit card or prepaid card

On XX/XX/2021 I received a notice of suspicious activity on my card. Someone had spent {$950.00} at an online sportsbook called " XXXX XXXX XXXX '' This charge also came with an {$47.00} cash advance fee. So a total of {$990.00} was debited from my account. 

I called Wells Fargo to dispute the charge. While on the phone with the agent the Wells Fargo agent called a number associated with " XXXX XXXX XXXXXXXX '' and the sports book admitted they had suffered a breach and my charge was fraud. 

I was told the charge would be refunded within 5-7 days. I reminded then to include the {$47.00} cash advance fee. 

The fraud charge was never resolved. It remained on my account for months. I called continuously ( at least 6 times ) and each time I was promised that the charge would be removed in 5-7 days. 

I started getting late fees and interest charges. Each time I called the representative would refund the late fees but this still hurt my credit. 

Finally, in late XXXX the {$950.00} charge was resolved. However, as I suspected, they did not remove the {$47.00} and charged me another late fee. 

I chatted with an agent but she said she could only refund {$20.00} because of chat agent rules. I have tried calling again, but the wait is always over 45 minutes and I eventually get disconnected before reaching anyone.
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 719XXXX has me at a score around 590. 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am reaching out to your agency in regards to the accounts mentioned below. I am requesting that these accounts not only be brought up to date regarding all the information that entails, I would also like to obtain documents or contract agreements from the original creditors and/or signed documents that bear my signature as proof that these accounts are in association with me. As a consumer, I am aware of my rights to question the accounts and have them properly investigated, updated or removed. Your inaccurate and incomplete reports are affecting me in negative ways and are in VIOLATION of the FCRA. 

My only complete accurate and full desired reported address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I do not have any requisite other current addresses and I do not desire any other addresses to be retained or reported, if any delete now or produce proof of your legitimate authoruty to retain much less report without infringing my consumer rights. 

Additionally, I've found some inquiries that I do not authorize and third party-collections.