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

I am an international student at XXXX XXXX University. XXXX, VA. I came in XXXX XXXX for the first time in USA. I and my other friends are also having same background as international students since Fall XXXX. We all are maintaining the salary account with Bank of America, XXXX XXXX XXXX, XXXX, VA-XXXX. My all friends are given credit card for {$1000.00} and I am given for only {$900.00}. 

To increase my credit limit from {$900.00} to {$1000.00} and for actual reason for such injustice, I wasted whole days over the pathetic service of credit card helpline number XXXX XXXX XXXX and XXXX XXXX XXXX & also approached to the XXXX XXXX relationship XXXX XXXX but no proper answer is given and my credit limit is not increased. 

I am issued a credit card with lesser amount but actually I should be issued with atleast {$1000.00} as I have never made any late payments or any other credit-score harming activity. 

Bank of America. asked me to contact to XXXX and deal with them but I do n't think I have to approach to XXXX, who is XXXX for me, it is nothing, I have nothing to do with their business partners. I am customer of Bank of America so I am suppose to approach to Bank of America only for such injustice and discrimination. Despite of my several calls I am not even given the email address for filing a proper complaint and branch representative said me that he has nothing to do with credit card and he escaped this way and sent me the credit card department phone number and then did not reply to my any further email. 

Then also I have the filed few complaints and their numbers are XXXX at XXXX pm and another XXXX at XXXX pm specific standard times dated XXXX/XXXX/XXXX. But their approach seem for discarding of these complaints as they want me to either decrease my credit score by re application or to approach to their business partner XXXX. 

Additionally. I was said that though it may be fault from the bank you need to re-request for credit-limit-hike from {$900.00} to {$1000.00}, and in such scenario your credit score will be again run and it will be decreased. So they want me to decrease my credit score on their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are reporting account as late payment doing COVID 19 I am asking for these late payment be removed it wasn't no way I could have made payments do to COVID-19 I caught XXXX XXXX and also some account are reporting inaccurate information.. credit central.. XXXX XXXX XXXX XXXX XXXX  XXXX  is reporting inaccurate information account belongs to my XXXX XXXX XXXX
Product: Vehicle loan or lease

Westlake financial have a charger off on my credit report and I never received a 1099 dash c they already got paid now they trying to get double payments
Product: Credit card or prepaid card

On XX/XX/21 my card was charged for $ XXXX XXXX  XXXX XXXX.CLAIM ID : XXXX. I submitted a dispute because the company over charged me by {$370.00}. Which I reported and stated no receipt was signed agreeing to that. 

Upon investigation, I was overcharged for a product by a deceptive company who falsified my signature and even though I told chase this happened they still sided with the company! Chase violated my cc rights by not letting me respond and state my case.
Product: Checking or savings account

I used my PayPal card to reserve an extended stay on XX/XX/year>. I arrived at XXXX XXXX in XXXX GA via the booking.com mobile app only to find housekeeping had not cleaned the room. The bed was messy, the bathroom had a leak, towels and wash clothes were on the floor, trash was in the room, the room had an offensive odor and I could go on but I will stop here. I immediately went to the front desk reported the condition of the room and requested a refund. I was told I would receive a full refund in XXXX to XXXX days. After that, I immediately reserved a room at another hotel and checked in for the duration of my initial stay. This caused a major inconvenience in my schedule and cost an additional reservation and stay rate. I reserved the room based on their site which falsified everything about the condition of this establishment. When viewing their site the rooms are clean, have ample lighting, etc. As you can see from my photographs this was a lie. I contacted XXXX XXXX XXXX and booking.com to notify them I hadn't received the {$490.00} and did not receive a response after several attempts. At that point, I contacted Paypal ( the company I have an account with that debited my card for the stay ) to request a reversal for the stay. After several years of being a debit and business card holder with XXXX, They were of no assistance. I am filing a complaint against Paypal and XXXX XXXX XXXX XXXX XXXX GA via XXXX mobile app for a full refund of the initial stay as well as the second reservation ( {$310.00} ) that was a direct result of Home Towne Studios false advertisement via their website to consumers and failing to resolve the matter after being notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in a Chapter XXXX Bankruptcy executed by XXXX and XXXX XXXX XXXX XXXX  I have paid all post petition payments up to date. 

Mr. Cooper continues to report this account 180-150 days late. 

XXXX XXXX XXXX Nationstar XXXX Mr. Cooper, all attorneys were provided this information on numerous occasions. 

XXXX XXXX  XXXX Nationstar XXXX Mr. Cooper, continues to report incorrect information, continues to pursue aggressive foreclosure procedures ; continues to hold {$2900.00} of Borrowers funds in a Bankruptcy Que Suspense account without interest. 

They have refused to provide the purpose of the account and why the funds re not applied to post petition payments. 

They have also refused to provide an accurate accounting of payments with pre and post petition charges. 

Please assist. 

The details and comments of your account **** XXXX is with NATIONSTAR XXXX MR COOPER . changed. This Conventional Real Estate Mortgage comments changed on XX/XX/2020 : Comment 1 : Real estate mortgage Comment 2 : Conventional mortgage Comment 3 : 150 days past due Important Notes : If you believe the details or comments are incomplete or inaccurate, contact NATIONSTAR XXXX MR COOPER., XXXX XXXX XXXX, XXXX TX XXXX. 
It can be a good idea to check your credit reports to make sure the information is accurate and complete. You should review your credit reports regularly to watch for suspicious activity.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off. Please delete these items listed below IMMEDIATELY! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These identified accounts should not be furnished on my consumer report as they are in VIOLATION ! ! ! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX XXXX XXXX XXXX UCC 1-308
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This account continues to appear on my TransUnion Credit Report. It is not my account. 

This account is in someone else 's name. The name its under is XXXX XXXX. My name is XXXX XXXX I've tried to sort this out with the company and with credit bureaus and XXXX and XXXX have removed this account from my credit bureaus but TransUnion and XXXX XXXX  have still continued on. 

I am asking kindly, for the removal of this invalid account from my credit reports. All of them ... this includes XXXX. 

Thank you.
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 violates 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 my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I sent two messages to Nelnet through their online portal requesting my payment history and each of my loan agreements. I initially reached out when I saw my loans were transferred to Nelnet, and never got a response and no copy of the record showing I requested this information. Because of this, when I requested this information for a second time on XX/XX/2023, I copy and pasted the message and sent it to myself via email to ensure I had a record. I never got a response from Nelnet.
Product: Debt collection

I was contacted by an agent named XXXX and she proceeded to tell me i had until the end of day to pay back an old payday loan i had forgotten about. She told me it would be handed over to courts if i didnt pay XXXX dollars and that i was being sued for Fraud, libel, and misconduct. They also called my family memebers repeatedly even when told not too by said family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where do these accounts come from? I have no business transaction with any of these accounts. The account should be remove because they don't belong to me..XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX  ) XXXX, XXXX/XXXX XXXX
Product: Debt collection

The debt was opened in error by the Provider, who knew that was opened in error and never stopped it from being sent. I went to the doctors office and never received the service, which was still billed. I called my insurance company and they advised they were unable to stop the claim the doctors office would have to do that. 

I then left it alone and never followed up until I went to make an appointment and was told I could n't as there was a billing issue. I spoke with the billing department who cleared the issue and noted they did see in their notes of the mistake. I also asked them to have this pulled back from collections as it was sent in error. The billing department for XXXX XXXX XXXX XXXX XXXX said it would. This call was done in XX/XX/XXXX and still reflects on my credit report. 

The debt agency, which is a third party also made multiple contact calls to my cell phone, without my permission from a dialer. 

I also submitted a credit dispute as the item was reflected on my credit report, which was rejected and the collection agency said it is not their fault they are just collecting the debt.
Product: Mortgage

On XX/XX/XXXX my company handled a refinance for XXXX XXXX XXXX on his XXXX County Home. At which time he had two mortgages to payoff. A first mortgage with Bank of America and a second mortgage with Bank of America. Although it was challenging we were able to get a satisfaction filed for the first mortgage. However, to date the 2nd mortgage we are struggling. I am attaching the payoff which reflects a XXXX  balance. The payoff letter however DOES NOT have anywhere the borrower is to sign to CLOSE and FREEZE the CREDIT LINE. In addition the payoff letter DOES NOT reflect a satisfaction recording fee. We sent the XXXX  balance payoff letter and requested a satisfaction of mortgage be filed. I followed up on XX/XX/XXXX and on XX/XX/XXXX with Bank of America and they NEVER responded. I then filed a complaint with the DFS on XX/XX/XXXX because I still had not heard back from them. They then responded to the DFS stating that the satisfaction of mortgage was never filed because the account was still opened and not closed. The borrower then contacted them and closed the account. He received a congratulations your loan has been paid in full on XX/XX/XXXX and to date a satisfaction of mortgage has still not been filed. I am assuming because they never collected the satisfaction recording fee. What can be done to change Bank of America 's payoff letters for their 2nd mortgages? I currently have two other files that I will have the same exact problem. They don't include a satisfaction fee EVER on their 2nd payoff letters and they NEVER have a signature line for the credit line to be closed and frozen. This is not fair to the consumer, they don't know any better and just pay off loan and figure the satisfaction will be filed. I would LOVE to see Bank of America be fined for this, so they make a change to their 2nd mortgage payoff letters. The first payoff letters DO INCLUDE a satisfaction fee. Looking forward to hearing back from you. Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from SageStream. Who are they? Why are they contacting me and giving me a low credit score. Much lower than the three main credit reporting agencies. How are they able to do this and companies will use this score to deny credit or charge extra fees. I do not think that this is correct, and I feel that they exist to make money off of giving out this low balled credit scores. Where did they come from and how are they operating. I have never heard about them unti my husband and I have worked to get our credit score up way over 700 with the other credible reporting company. They then appear with this mess.
Product: Credit reporting

IM sick and tired of trying to get a credit report that has everything on it. not like some of the services they sell. i want to pay {$12.00} for my credit report, but they cant verify my info. they say i have to mail them all kinds of proof of ID. YET I CAN SIGN UP FOR 1 OF THEIR MONTHLY FEE BASED CREDIT MONITORING NO PROBLEM. NO MAIL. .JUST GIVE US YOUR CC # AND YOU 'VE GOT OUR CREDIT WATCH FOR {$20.00} A MONTH.. THIS SHOULD BE ILLEGAL. THEY REFUSE YOU YOUR REAL REPORT BUT OK YOU FOR THEIR MONTHLY SERVICES WITH CREDIT REPORT AND CREDIT SCORES. THESE ARE THE SAME PEOPLE WHO CONTROL OUR CREDIT AND LIVES. THEY CONTROL OUR CREDIT AND THEN ARE ALLOWED TO MAKE PROFIT ON THE SIDE. THAT SEEMS LIKE A CONFLICT OF INTEREST TO ME. COULDNT THEY BLACKLIST ME FOR COMPLAINING OR NOT LOOK AT MY DISPUTES OR ANYTHING. AND ILL PROBABLY RECEIVE BACKLASH OR PAYBACK FROM THEM, BECAUSE THEY 'RE ABOVE THE LAW. THE GOV NEVER DOES A THING IVE MADE COMPLAINTS BEFORE, WHOSE LOOKING OUT FOR THE CONSUMER. GOOD OLE USA XXXX THE PEOPLE IN FAVOR OF CORPORATIONS. AND IM A XXXX VETERAN. YOU CANT DISPUTE ITEMS FROM THEIR MONTHLY SERVICE. ALL I WANTED TO DO IS PAY {$12.00} TO SEE MY REPORT FROM EXPERIAN SO I COULD DISPUTE SOME ITEMS, BUT THEY ARE ALWAYS PUSHING ME TO SIGN UP FOR THEIR SERVICES CREDIT MONITORING XXXX. I THINK I HAVE A GOOD LAWSUIT. THE CRA 'S REFUSING YOU YOUR CREDIT REPORT. BUT OFFERING A SORT OF FAKE REPORT FOR LIKE {$24.00} A MONTH THAT DOES NOT HAVE ALL THE INFO OF THE OFFICIAL ONE. THERE NOT WORRIED ABOUT FRAUD WITH MONTHLY SERVICE, GET REPORT FROM ALL XXXX CRA 'S IN A SEC. BUT NEED TO DISPUTE. COULD TAKE MONTHS OF ID CHECKS TO GET REPORT. I THINK ILL TALK TO AN ATTORNEY.
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 my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Navient has reported negative information to my credit bureau on XX/XX/XXXX. 
I have a deferment that started XX/XX/XXXX. This is incorrect information on all three of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I will get an insurance quote for auto insurance my quote is extremely high. I have no traffic violations or claims. My agent informed me that it could possible be my credit score. I received my free credit report a couple of weeks ago, and notice there were many items that I never applied for. I need these accounts and items removed. 

XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$660.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$760.00}
Product: Student loan

Waiting on paperwork to be scanned and processed regarding joint consolidation loan separation act. The process was created per the Dept of ED. The paperwork was filled out mailed to the proper address but they are not processing the paperwork.
Product: Debt collection

For years, XXXX  adds collections account to my credit report for medical bills that do not belong to me. I am in the XXXX and I received medical care in the XXXX base through XXXX. I am station in XXXX and I have not reside in California in years. California is where the original creditor is located. These are collections from different collection agencies, such as Medical Data Systems INC, XXXX XXXX XXXX, XXXX XXXX, and XXXX. 

This has been ongoing, and every time a collection account appears in my credit report I dispute it and it gets removed. However since the last two years, I have had issues with getting them remove. The results from Experian come back as the account is verified and remains in my credit report. 

This happen last month, and three accounts came back as staying in my credit report. I had to call Experian to be able to dispute them again and I also contacted the collection agencies, Medical Data Systems INC, and CMRE via phone. Apparently, my social security, matches someone else 's who is using it for medical care. However, DOB, Name, and address are different. I provided a copy of my credit report, a copy of my Social Security Card, a copy of a FTC report, and a copy of a police report. Two of the accounts were removed but the following account still remained : Medical Data Systems INC for {$5300.00}. My last contact was a phone call in XX/XX/XXXX, where I was told the Supervisor was not in the office and I needed to call later, and emails sent to them on XX/XX/XXXX and another on XX/XX/XXXX following up, without receiving a response. 

Because this continues to happen through the years and through different collection agencies, I believe the problem is the original creditor. Which seems to be always XXXX XXXX XXXX, which includes XXXX XXXX XXXX XXXX which also shows in some of the accounts. I requested a copy of medical records to XXXX XXXX XXXX, and I receive a letter from the records custodian saying that there are no records in my name. 

This situation has become extremely frustrating because I am in the military and I can lose my military clearance for having collection accounts in my records. Other, than this, my credit report is excellent. I have no issues with XXXX  or XXXX, only with XXXX, but unfortunately, this is what most creditors used when evaluating your credit report. I was recently deny credit because of this, and it is frustrating and embarrassing because good credit is always one of my priorities. 

I need help ensuring, this remaining collection account is removed from my report, but more importantly to ensure that this does not happens again. I have deal with it for years, and I am exhausted. 

Thank you!
Product: Checking or savings account

In XX/XX/XXXX, I put a check in the mailbox made out to the IRS for $ XXXX. Somewhere along the way a fraudster stole the check while in route and either sold it to a third-party to wash and cash the check or washed it themselves and deposited it into their bank account. 

In my banking portal ( XXXX ) I have images of the washed check since it was deposited at a bank, TD Bank. XXXX says that they are not liable and I need to contact TD Bank to try to claw the money back from them or the bank account holder. 

I filed a police report and XXXX said they were not liable. I then worked with the detevtive who I filed the police report with to send a subpoena to TD Bank but they are claiming to have no knowledge of the bank account or individual, even though I shared all of the details ( images of the stolen check, name of depositor, date the check was deposited, location the check was deposited, etc etc ). 

I would like TD Bank to investigate the owner of the bank account where it was deposited or at least provide tho bank account owners details with the detective working on the case so I can recoup the money. 

I have all of the details of the incident, a police report, and a subpoena. 

Attached are images of the front and back of the stolen check that was deposited. Below are details I got from XXXX on where the money was depoisted : Bank : TD Bank City and State : XXXX, Maine Zip : XXXX Bank branch number* ( ie 'cost center ' ) : XXXX Date check was deposited : XX/XX/XXXX Lastly, here is the subpoena number that was used and filed with TD Bank by Detective XXXX of XXXX XXXX : XXXX / XXXX ( Ref : XXXX )