23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom  It May Concern, I called TCS, Inc. regarding a debt collection letter I received. This was a medical provider  who my stepdaughter had seen in  XXXX  of   XXXX  . My stepdaughter does not live with us and because her mother takes care of these things I never received ANY notice or bill to know that there was a later payment.   The letter was signed by  XXXX   XXXX  and he was also the person I was transferred to speak with regarding the account. I let him know that I knew nothing about this bill and I 'd like to see the information regarding the date of service etc. I also wanted to see any letters that went out previous to this to know how it could have gone to collections without any warning. He told me it does n't change the fact that I owe that amount, I told him I have a right to know this information before I pay. He started to get hostile and said that if I am going to handle it that way he would just not expunge the record on my credit regardless of whether I paid or not. I asked him if he was threatening me, he said " well that 's how it works, this is collections ''. I told him that he has violated the law and that is not how it works. He said he has done this 15 years and never broke a law. He threatened me again about payment and my credit and asked to speak with his supervisor. I was able to handle it with his supervisor.   Afterward, I spoke with the doctors office and they were upset about the debt collector treating me that way, they informed me that they had the wrong address for me and the address they had was not even a valid addr ess ( the bills they se nt were returned ). In any case, I do not believe this person should get away with this over an {$80.00} bill, he was hostile and abusive which violates the Fair Debt Collection practice. The company and  XXXX   XXXX  should be reprimanded for this behavior as I am sure I am not the only one.
Product: Credit card

This started on XX/XX/XXXX but I was unaware that it was happening because Cash App was declining these charges at first. However on XX/XX/XXXX I noticed that I kept getting charges from XXXX and XXXX for XXXX but I had never purchased anything from XXXX or XXXX, but most of the charges also showed declined so I wasn't worried. It wasn't until maybe XXXX  days later I was getting really annoyed that I didn't know how to stop these charges so I tried to order a new card. However, it must have just replaced my card instead of submitting it as stolen so this issue kept happening. It wasn't until XXXX  days ago that I noticed that not all the charges had been declined and over XXXX charges had gone through and comepletly emptied my bank account. I immideiatly blocked tiktok and XXXX through the Cash App and contacted them. The only reply I got was that all of them were declined or that they couldn't do anything about it. However I sent them multiple screenshots of charges that went through and they still told me they couldn't do anything about it, and that in order to dispute the charges, I would have to click on each individual charges and write what happened. However, there were hundreds of charges, and I would have to go through which ones were to declined in order to figure out if they were actually completed instead of declined. I told them that this is basically impossible unless I want to commit over XXXX straight going through the hundreds of blocked and completed transaction but they told they couldn't do anything. The amount in total that was taken out my account was around XXXX XXXX dollars and around XXXX transactions of a XXXX. In addition I have had to buy XXXX cash app card for XXXX dollars each because they messed up and only replaced my same card the first time so these transactions kept happening.
Product: Debt collection

Discover Bank {$1800.00} # XXXX I trust this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance regarding my credit profile. I recently discovered unauthorized credit card accounts opened in my name, and it has come to my attention that these incidents are a direct result of the XXXX XXXX XXXX. 

Given the nature of the situation, I am seeking your assistance in initiating a credit break to rectify the unauthorized accounts associated with my name. The affected accounts, to the best of my knowledge, were opened without my consent or knowledge, and I have taken immediate steps to report these incidents to the relevant authorities. 

I understand the severity of data breaches and their impact on individuals, and I believe that your prompt and effective intervention will be crucial in resolving this matter. I kindly request the following actions : 1. Investigation and Verification : Please conduct a thorough investigation to verify the unauthorized credit card accounts linked to my profile. Any additional information you may require from my end will be promptly provided.

2. Removal of Unauthorized Accounts : Given the circumstances surrounding these accounts, I request the removal of the unauthorized credit cards from my credit report at the earliest convenience. 
3. Communication and Documentation : Keep me informed throughout the process and provide documentation outlining the steps taken to address this issue. Transparency in this matter is crucial for my peace of mind and the restoration of my credit integrity. 
4. Police Report : I have filed and provided a Police report from XXXX. 
5. XXXX Claim : I have a filed and attached a claim with XXXX. 
6. XXXX XXXX XXXX information Impact have provided conformation my information was exposed as a direct result of the XXXX XXXX XXXX. 
7. XXXX # XXXX I understand the challenges associated with data breaches and trust that XXXX, as a reputable credit reporting agency, will handle this matter with the urgency and professionalism it demands. 

Your cooperation and assistance in resolving this issue are highly appreciated. I look forward to your prompt response and the successful resolution of this matter. 

Thank you for your attention to this serious concern. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had three cards with Citi that were closed by the bank in XX/XX/2018. All three cards had cash rewards or Thank You points that were taken by Citi and not paid back to me. 

I signed up for these cards based on their marketing material that indicated I would receive those cash rewards to Thank You points for making purchases with those cards. By closing my account and not returning to me those rewards, Citi was deceptive in their marketing.
Product: Credit card or prepaid card

I filed a dispute against XXXX XXXX for the amount of XXXX. For not completing the repair of my vehicle. When I received the vehicle it was caked in bonds dust, the van had the bumper damaged from there valet hitting another vehicle, plus the headliner has grease all over it destroying the vehicle. The company responded back, they only supplied the documents that I signed and the scope of work to be completed, of which caused a charge back. I then called capital one same day on XX/XX/2020 of receiving the letter, one to a XXXX, he advised me what to submit step by step directions including a letter from a detail shop to state that bondo dust was threw out and needed to be cleaned with the cost. He advised me that this is all that needed to be submitted. He then sent me a secured link, to forward the documents. I sent over documents that day, and a couple days later on the XXXX XX/XX/2020 the deadline was XX/XX/2020. Capital one then advised me that they did not receive the proper paperwork in time s requested, however on there recorded line they advises that they did receive the paper work and that was not the reason why it was declined but, because the letter did not show enough detail, however when I explained that I followed the direction to the T that was giving to me on there recorded line from XXXX on XX/XX/2020, they then stated once again on there recorded line that the resin it was declined was because I could not dispute a insurance deductible. They have over looked the email that I sent to them, and they are not assisting me in the dispute against the merchant
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 properly 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 lost funds
Product: Credit card or prepaid card

I HAVE TO US ADDRESS, BUT ONLY USED MY MOTHER 'S ADDRESS AT A TIME WHEN CITIZENS BANK WOULD NOT ALLOW ME A FOREIGN ONE. THEY ALSO TOLD ME I HAD NOT BEEN BORN IN PENNSYLVANIA, THOUGH I WAS. THIS IS KAFKAESQUE. FINALLY, THEY SUGGESTED I LOOK FOR ANOTHER BANK. SO ... NOW I FINALLY HAVE A CARD THAT DOES N'T WORK, AND THE BANK WO N'T SEND ME THE PIN. IN SIX MONTHS, IF I DO N'T USE IT, IT WILL AUTOMATICALLY BE CANCELLED. IS THERE SOME LONE RANGER, MASKED AVENGER, OR OTHER, THAT CAN EXTRACT ME FROM THIS  NIGHTMARE? I HAVE BEGUN LOOKING FOR ANOTHER BANK, AND I 'M CONSIDERING HAVING MY RETIREMENT INCOME DEPOSITED AUTOMATICALLY IN MY XXXX ACCOUNT OF 12 YEARS, BUT THERE ARE BUROCRATIC PROBLEMS. HELP ME GET THE PIN!
Product: Debt collection

I was told that i needed to move out of an apartment complex before my lease was up even though i was on time with my payments. I was told by the office at that time that there would be no fee for me having to break my lease early since my XXXX was why i had to move out. I have tried to get a rental since then and i can't because there is a XXXX collection from the apartment complex on my credit report. I have tried to resolve the issue but not gotten anywhere and i need a place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few late charges with Affirm that are still on my credit report. I have paid the account in full, I was never notified of the late payments. This is bringing down my credit score, I have called the company and asked for the late payments to be removed and was told to reach out to the credit bureau that there was nothing they could do now.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on the consumer account XXXX. There are several inconsistencies with the account. There are late payments listed that are incorrect and should be immediately updated. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX Furthermore XXXX is reporting a 90 day late payment but TransUnion and XXXX are not.
Product: Student loan

In 2011 I was diagnosed with XXXX ( XXXX XXXX XXXX  XXXX ) When I contacted the lender regarding any relief for my loans, they put my loans on foreberance and continued to charge interest on my loan. I was never offered an income based payment of 0 so that I would not accrue as much interest. I was always offerred the option where Navient would make money in interest. In addition, they told me that I had to be deemed XXXX XXXX due to the XXXX in order for them to assist me with other options. These actions on behalf of the lender have led my interest and fees to create a much larger loan amount. What can you do to assist. I can provide documents that prove my XXXX diagnosis and at the time I was living at the poverty level threshold. 
Please contact me if necessary ( XXXX ) XXXX XXXX Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 16811 ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) iter reviewing my recent credit report, I have identified we following inquiries that I do not recognize or authorize Disputed Inquiry : 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX XXXX, a restaurant in XXXX XXXX XXXX SC. I dined with my son and paid the {$81.00} check ( incl tax and tip ) with my American Express card. The next month upon reviewing my bill, I noticed a 2nd charge for {$190.00} from the same restaurant on the same night that did not belong to or was authorized by me. At that time I began dispute resolution with American Express. 

The dispute process has been difficult with numerous calls to Amex customer service. Initially Amex refused to open an investigation, but after several months of calls, they finally agreed to investigate and contact the merchant. Today ( XX/XX/XXXX ) I received a letter from Amex regarding the results of their investigation. Their letter concludes, in part, " after reviewing ( XXXX XXXX ) explanation, we've determined you're responsible for the amount in question. '' They included documentation supposedly supporting their claim it was a duly authorized charge. However the documentation, an email chain from XXXX XXXX, CLEARLY indicates that the XXXX XXXX agrees with my claim. One email states " We have researched the disputed info find the customer is correct. '' A second internal XXXX XXXX email states " we are definitely in the wrong '' and goes on to suggest the waiter be fired and that this may not be that waiter 's first such offense. Despite this evidence, Amex has concluded I am responsible for the charge.
Product: Debt collection

Based on the statue of limitations. XXXX  aka AES aka XXXX is showing up as a negative impact on my credit report. Ive hired credit repair attorney XXXX XXXX and I would like this student loan removed from my credit. Its renewing itself and the date is showing up as unknown. Please contact me at XXXX or XXXX XXXX needs to be removed too. Thanks so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX debt and derogatory statements were added to my credit reports in early XXXX. I do not owe XXXX nor the XXXX XXXX   the money reported. It is the 80 % insurer 's copay that is on my credit report. I paid in full my 20 % copay to the XXXX XXXX  in XX/XX/XXXX and made them aware that my insurer had originally denied the claim but it was under appeal. I even provided the Plan Document sections to show that the procedure was covered. The XXXX XXXX  was in network and thus has a contract with my insurer and could have easily confirmed with the insurer that it was under appeal, but chose instead to send a collection agency after me for the insurer 's share. In XXXX, I even provided the XXXX XXXX  with documentation that the doctor ( who is part owner in the XXXX XXXX  ) had been paid and suggested they check with the doctor 's staff to see what they did differently to get paid by the insurer. I prevailed on my appeal and the XXXX XXXX  has been paid by the insurer and the insurer is sending a demand letter to the XXXX XXXX  to release me of all liabilities by them and their collection agency. 

I had promptly disputed that I owed more than I had already paid with the original provider AND the collection agency. I had requested the collection agency to provide evidence that I owed more than I already paid in XXXX ( {$450.00} ). They failed to do so, in violation of FDCPA and reported it to the Credit Bureaus in early XX/XX/XXXX. I disputed it with all three credit bureaus and all EXCEPT Experian promptly removed it from my credit report, since it was truly not my debt during the appeal process. I have now sent two additional letters to Experian since the original dispute was filed on XX/XX/XXXX. They have failed to remove the XXXX debt from my credit report. I have provided Experian evidence of my payment of my 20 % responsibility and the insurer 's payment for their 80 % responsibility ( which is the amount shown as my debt by XXXX even though it never was my debt ). 

I am also frustrated because I can not get a real person at any of the phone numbers for Experian ( I tried three different numbers ). I wanted to ask them what exactly I needed to provide to get it removed. Their failure to have a customer service line with real people rather than just recordings is clearly one of the factors that has contributed to them failing to remove this unverified debt in the 30 days as required by the Fair Credit Reporting Act ( and as was done by the other two credit bureaus ).
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$29000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was closed because it was not specific. I will make it specific. 

XXXX mortgage took over my account in XXXX. It was about 5 yrs old. The 30 year term ended in XX/XX/XXXX XXXX in other words, all payments were made at that time. HOWEVER- even though the contracted payments were all made, they still claim I owe 1/2 of what I started with after 30 yrs of payments. In XXXX of XXXX I was selling the property and trying to get a payoff from them. I didn't pay because the payments were all made. Why should I make payments on a mature loan? 

They reported me late XXXX -- you verify it and it comes back in a day. I want specifics. It is incorrect. Further its a cares act violation. I was involved in a forbearance and it was current so its illegal for them to report it late. 

All credit reporting and letters are forwarded to XXXX. how can someone in XXXX determine the laws of the XXXX for credit reporting? they just send the same documents and do not do anything -- but you accept them and do nothing to verify and that is why this complaint is coming to you. 

ACCT XXXX I will be pursuing this- trust me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated on prior complaint I need natural disaster removed from the credit report regarding my property which has not been involved in any natural disaster. Per your response you stated this is per the banks discretion however XXXX XXXX XXXX stated that is incorrect because they do not have the property declared in any sort of natural disaster regardless of any other properties that may have been involved in a natural disaster any time this year with in XXXX County Indiana. Myself an American family are now asking that the comment declared as natural disaster which is incorrect and false information regarding my property now be properly removed. 

Your company States this is to help protect consumers from late payments however this does not apply to me because my property has never been affected by any natural disaster this is also being taken to the next level with a third party government official. Myself and many others do not understand why the continued issues with your bank have yet to be resolved going on almost 18 months now it is making me impossible to refinance and sell my home is the next step to file a lawsuit as many consumers have done over the years most recently over the past two years with XXXX XXXX XXXX USAA? 

at the credit grantors discretion, a special comment code noting the account as potentially affected by natural or declared disaster can be reported with the accounts history. The code is added to all mortgaged properties within the declared disaster area and does not definitively declare that the property sustained damage. The comment is designed to protect consumers from the potential negative impact associated with a late payment associated with the declared disaster.
Product: Mortgage

This was my second go around of refinancing with Carrington Mortgage. The first time, all communications stopped and I never received a reason as to why the refinance was denied or not. 

During the second try, on XX/XX/XXXX I paid {$720.00} for an appraisal for a refinance. On XX/XX/XXXX, the appraisal was completed. On XX/XX/XXXX, the XXXX XXXX advised the refinance was still in process ; just needed to clear the appraisal and title still. On XX/XX/XXXX, I was advised from XXXX XXXX, loan processor, the following : For the exterior painting work, we will do an escrow hold back at closing. We will take the estimate you give us and hold 150 % at the time of closing from the proceeds of the loan. So if the estimate is XXXX we will hold in escrow XXXX from you at the time of closing. Then in the spring once we receive proof that the exterior work is complete we will cut the XXXX check back to you. The money is not given to the painter. It is given back to you. 

On XX/XX/XXXX, I spoke by phone with XXXX XXXX regarding the exterior paint process and what I was advised by XXXX XXXX. XXXX was not knowledgeable of how the exterior paint would work and XXXX was out of the office to consult. 

On XXXX XXXX, the following email was received by XXXX and XXXX XXXX and XXXX XXXX ( XXXX 's supervisor ) were cc 'd on the email : Hi XXXX XXXX Per our call, I have advised XXXX you want to continue with the refinance. 
Since your loan is no longer active, XXXX will need to create a new application for you. 
Once that is done, we can resume the processing on your loan. 

By XX/XX/XXXX, I received XXXX mail stating my loan application was denied due to disparaged dwelling. By phone, XXXX XXXX stated that we ran out of time because the application can only be held for so long and they had given all the extension they could. 

I am requesting my {$720.00} back for the appraisal fee, it is not my fault that we ran out of time due to the lack of knowledge of the representatives I was dealing with. 

Sincerely, XXXX XXXX
Product: Debt collection

I paid my debt in full. They sent me a bill for interest on a {$0.00} balance. They have continued to harass me for said interest and charge me fees.
Product: Student loan

I have student loans that were taken out starting in XXXX. Since then those loans have been consolidated. Most recently I consolidated my loans in XX/XX/XXXX to take advantage of the limited waiver before the XX/XX/XXXX deadline. My Mohela account doesn't reflect the limited waiver or any of my loan history prior to my XX/XX/XXXX consolidation. I'm concerned that 1 ) the limited waiver hasn't been applied to my account, 2 ) my total loan history isn't showing, and 3 ) that my past loan history and payments aren't showing. I would like Mohela to update my account to reflect my complete loan history, PSLF ECFs submitted, the limited waiver, and my updated PSLF payment count.