23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I currently have inaccurate payments showing up on my credit report with no resolution from Navient. 

I was accepted into XXXX XXXX XXXX  as of XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$3000.00} to Navient. Between these dates, I contacted them regarding my original complaint about not receiving protection due to me being XXXX XXXX XXXX and also whether I would be a part of the settlement. I furthered wanted clarification on what criteria would be involved. I would get bounced from the private customer service # to the military and even hung up on without speaking with anyone. I still paid XXXX on XXXX. I started school in XXXX and would still receive request for payment even when letting them know I was in school. I would again be transferred to a number that would hang up because anytime I stated that I am in the military they attempt to transfer me to that number. 
I am under contract to purchase a home and was now denied due to this inaccurate reporting of late payments. Navient still has me as not current and over 120 days. 

When I called Navient in the hopes that they could help. I was instructed to search credit reporting and do what the paragraph tells me, or I could upload my proof to their website. When I told him that my proof is the actual website which shows my last payment and me owing {$0.00} due to my school deferment, he suggested I just upload a word document requesting the removal of the inaccuracies. He stated that they had 30 days to answer me, even though I explained this was an immediate issue. I also told him that my options for upload were documentation for military certification or removing a cosigner from my loan. He stated to upload it to the cosigner section and eventually it would go to the right department. He acknowledges that 30 days started once the correct department received the information.
Product: Student loan

Recently I was contacted by one of the customer service representative they asked me if I could afford certain amount of money per month I asked them if they had an income-based program and they told me no I currently Am paying any mount that I am struggling to keep up with when I have income-based repayment plans with all my other loan providers XXXX it has been unwilling to work with me in continuously calls me trying to get me to pay the amount that I told him that I can not afford.
Product: Mortgage

I have filed two other complaints about the correct balance owed on the mortgage. 
complaint ID XXXX & XXXX The company gave me credit for other amounts that I proved was not on their records of payment history. I have two additional payment totaling XXXX. 

The company is holding a lien on my property and have not provided me with a accurate balance of amount owed. I have tried working with them to settle this matter and feel like it is in violation of my rights for me to have to continue looking through old records to find missed payment and come up with a accurate balance of what is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Reporting refuses to allow a consumer statement to be issued into the account disputing the entire charge from XXXX XXXX. Additionally the date that the XXXX XXXX account was closed was XX/XX/XXXX, and not XX/XX/XXXX. Furthermore the amount in dispute is smaller, and XXXX XXXX and/or Transunion have inflated the charges. The total amount disputed at the time of account closure was {$1900.00}. 

The amount was disputed because XXXX XXXX failed to protect me from charges resulting from faulty merchandise covered under a one year warranty. 

Previously I tried to submit the dispute online with Transunion, but their web portal won't allow a consumer statement. At my request, Transunion escalated the matter to a XXXX XXXX, supervisor of technical services, but XXXX advises that she is not willing to correct this problem, and that what I see is what I get.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a hard time getting my credits reporters from these companies and they say that I do not have one but each time I want to increase my current credit card limit they provide information on me and when I reached out to them they says since u do not have soical security number we do not have a credit file for you!

please help me. I do not have a soical security number but I do have a credit card!
Product: Debt collection

I spoke with XXXX in collections for XXXX XXXX account. I explained that I have been going through financial difficulties and wanted to start paying {$25.00} dollar installments. She told me that it was not enough and began to get belligerent. She said needed pay {$100.00}. Then in a fast conman way asked for my debit card number or checking information. When I would not give the information she said she would note the account refusal to pay. I said I am not refusing to pay you refused the amount I am willing to pay. She was so rude, I asked for a supervisor. She placed me on hold and XXXX XXXX answered. I described the conversation and asked if that is how they train their representatives. He hung up on me. I called back and couldnt get through. The call was recorded between XX/XX/2018. The call began at XXXX XXXX and lasted approximately 7 minutes total. Please request a copy of the recorded call which will corroborate the fact she refused my payment. The call was recorded ; we were on a recorded call- that is how XXXX started the conversation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just had ( 1 ) collection account removed and ( 8 ) student loans removed, and my credit score dropped XXXX points. The information posted on the website is false and misleading. The information on the website says that for every loan paid off or removed from the account is an average of XXXX points per collection account. This is blatantly false. I have now removed a total of ( 15 ) collection accounts, and currently my aggregate score is less than when I began paying off accounts. I submit that the credit reporting agency is engaging in unfair and illegal business practices. The website is not transparent or reliable when complying with stated policy requirements. I just dropped credit score by XXXX points by removing ( 9 ) items from my credit report. Please explain the corrupt and discriminatory business practices.
Product: Credit card

The web company XXXX has been charging monthly subscriptions I never signed up for to my Discover credit card since XX/XX/year>. I immediately called XXXX customer service, which I found online. I was told that XXXX is a third-party billing service, which I don't believe. XXXX said I subscribed to a service from XXXX and was refunded {$350.00} out of the total {$630.00}. I have never subscribed to anything from XXXX. The Discover card and XXXX told me to wait a couple of weeks for those charges to be reflected on my account. However, XXXX says they can't refund the remaining fraud charge because Discover is blocking and denying the refund. According to Discover, there is no such thing as blocking or rejecting the refund. This back-and-forth between XXXX and Discover has continued since last XXXX. I can't tell you how many countless hours & days I spent resolving the issue. XXXX 's customer service phone number and email address no longer work. The XXXX 's XXXX XXXX worked after a few attempts, but I was told the same excuse : they tried to refund, but Discover rejected the refund. I had both the Discover & XXXX, which XXXX said I purchased the service, on the phone at the same time so that the Discover can tell XXXX that they accept the refund. However, XXXX repeated the credit company 's rejection of the refund while we were all on the phone and hung up. I also sent an email to XXXX customer service, " Contact Form, '' but I haven't heard anything back from them, of course.
Product: Checking or savings account

I recently opened a new checking and savings with Wells Fargo. I told the banker I worked with that I use XXXX alot and was assured that I wouldn't have any issues. Tonight after maybe the 5th time I used XXXX Wells Fargo is blocking my ability to move my money around. 

I just get this popup whenever I try to take money from my account. Depositing money is no issue? They never have an issue of any caliber when you DEPOSIT MONEY yet when you try to spend it, " red flags '' arise. How magical. 

Wells Fargo is illegally preventing me from accessing my funds even after completely validating my identity and intent.
Product: Credit reporting or other personal consumer reports

On Friday XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX was able to place a hard inquiry on my Equifax account. My Equifax account was set as frozen at the time and I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX in the past. The inquiry was placed by someone who stole my personal information and was not authorized by me. When I contacted Equifax they point blank told me it was not their problem although they admitted that there was a " technical glitch '' with my account and the inquiry should have never gone through. All they said is that they filed a technical fix ticket. They have declined now twice to remove the unauthorized hard inquiry and instead told me to contact the lender directly and file a report with FTC. This is absolutely unacceptible as they compromised my personal information and actually admitted to it but chose to take no action to ratify it
Product: Mortgage

My loan servicer was transferred from XXXX XXXX to PNC Mortgage. 
With XXXX I was able to make month-to-month payments online using my checking account. PNC provides that option but with a {$7.00} service fee. They do n't charge the same fee to pay online if I set it up to withdraw from the account on a scheduled day every month, even though it would come from the same account. 
My thoughts is that this " automatic '' payment deters people from applying extra principal on months they have it available to them, adding an extra step of inconvenience to the customer to make small additional principal payments over time. A few dollars extra here and there can reduce my mortgage interest amount significantly over time. 
However small the amount, PNC is capitalizing on human nature to not send extra payments by making it more inconvenient to decide each month what amount to pay, and making up for those that try to go this route by charging {$7.00} per transaction. There is absolutely no reason they could not except month-to-month bank transfers from a FDIC bank without charging fees. Especially when they allow the same transfers fee-free as long as they are " scheduled '' through their " Electronic Funds Transfer '' process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account #, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

On XX/XX/2016 I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please validate this debt as required by the Fair Debt Collection Practices ( FDCPA ) Act 803 definitions 15 USC 1692. I have sent them XXXX letters certified mail on XX/XX/2016 and XX/XX/2016 ( attached ), and disputed online with XXXX. This is not a valid debt, and Diversified Consultants , Inc did not investigate nor give me any proof that is a valid debt. I have an unverified account from # XXXX I have previously disputed this account. I have never done business with diversified consultants. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 807 { 15 U.S.C.1962e }, which requires them to send me validation containing my signature for the debt owed to them within 30 days of the receipt of my letters they signed for them on XX/XX/2016 @ XXXX and on XX/XX/2016 @ XXXX. I dispute the validity of the debt purposed that I owe. I have already requested that diversified consultants provide validation of this account with competent evidence bearing my signature showing that I have ever had a contractual obligation to pay them, and I also requested the following : 1.The original Application or contract to diversified consultants that states I owe them. Instead they have sent me a statement bill 2x this is unacceptable. And this is no form of validation. They also did not mark disputed within 30 days on my credit report pulled from XXXX on XX/XX/2016. They are reporting inaccurate information based on their bill that they sent to my address as a response. On my credit the total due is {$450.00}. and on their bill response the total due is $ XXXX is my last and final attempt to allow them to remove this account permanently from all credit bureaus before I file a claim in small claims court in Georgia where I live, for $ XXXX. I want this removed off my credit report at once! It is causing me great financial hardship. I will be attaching all documentation with complaint.
Product: Vehicle loan or lease

I leased the vehicle from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. By XXXX I had not received anything in the mail about the lease so I called Honda finance. They said they had no record of me leasing a vehicle & referred me to the dealership. I went in & the dealership apologized stating it can take at least 30 days for them to process the paperwork. They redid my lease to waive part of the fee on a care package for my I convince & had me make my 2nd payment there that day to assure me it wouldnt be late. Now I finally get a letter from Honda finance & they are stating I am past due & have charged me a fee for late payment. I called Honda on XX/XX/XXXX & they said they never received the payment from the dealership & there is nothing they can do & referred me back to the dealership. I am now back at the dealership today on XXXX which is the first chance I could take off from work. It is still unresolved.
Product: Mortgage

XX/XX/2020 a " Refund to Borrower '' in the amount of {$700.00} shows on my loan activity from my escrow account. I never received the check for {$700.00}. They now say that the money was refunded into my escrow account, but the balance sheet does not show {$700.00} returning to the account. I have called several times and they say they will look into it and get back with me. I have never received a call back. Every time I call they say they have to research it in a department that doesn't take incoming calls, or the wrong work order was made and they're redoing it. This has been going on for 3-4 months, because they say I have to wait 3 weeks to receive the check. So I wait, it never arrives, i call back and the excuses begin again. 
In the online portal I can clearly see the money was distributed from the escrow account and to date never returned.
Product: Mortgage

I am XXXX XXXX XXXX veteran permanent and total. I no longer have to pay property tax in state of Texas. Quicken loans was noticed by the state and they sent me a letter stating I am owed a refund of XXXX. The state told them for 2020 I no longer pay tax. My monthly payment had me paying XXXX dollars for property tax at 12 months that is XXXX. I have asked quicken loans to re run the numbers and I am getting the run a round. Also I am in forbandance I own XXXX and they said they can not use the money in my overage to apply to what is owed
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent. 
The following account must be blocked and deleted immediately : XXXX XXXX - XXXX - XX/XX/XXXX - {$4800.00} Additionally, the following inquiries must be removed : 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/XXXX
Product: Credit card or prepaid card

tried of this co closing the jcpenney acct, ashely furniture acct to a lower cr amt, these accts are in good standing, the high limits are none of their business, as they knew of it when i open the accts, also there was nothing in the app about real estate values.
Product: Bank account or service

Scottrade and their affiliates can not be trusted. XXXX states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, XXXX will not provide me with an arbitration agreement. Because of this and many other issues, I am refiling this complaint against Scottrade for the fifth time with the CFPB. 

Consumers beware, I have filed more than XXXX complaints against XXXX trying to get a copy of the arbitration agreement and each time XXXX responds with a boilerplate letter saying " we consider this issue closed and will no longer be responding ''. 

I would like to file arbitration against XXXX. XXXX has refused to provide me with a copy of the arbitration agreement. Can you please provide a copy of the arbitration contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have reached out to you about items that was on my credit that I dont know anything about. Im really trying to help my son get a car and the dealership has denied me again because of this and I thought this was already handled. Please take this accounts off my credit three accounts with no name and the account numbers is XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I see alot of inquiries on here as well that I did not do XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.
Product: Checking or savings account

Attempted to buy tickets to a hockey game and the seller was scamming us. Chase allowed for us to transfer {$220.00} to his/her bank account and also have him request {$220.00}. This all happened within minutes of each other. Once we learned it was a scam we attempted to have the bank cancel the transactions but it was too late. The payments were made through XXXX. I just wish there was more that could be done to revoke payments after the fact or that Chase would have found the activity of two exact payment amounts suspicious and called to verify if both were legitimate. These transactions happened on XX/XX/2019.
Product: Debt collection

Portfolio Recovery Associates XXXX at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$890.00} and calling me after I have asked them repeatedly to stop to the point I had to block their phone number. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. Portfolio Recovery Associates XXXX does not have a contract with my signature and I do not owe them a debt.
Product: Credit reporting

Hello, XXXX XXXX XXXX started a credit card XXXX XXXX 2005 the Card number was XXXX The balance on this was covered full by a payment of XXXX and funds in our Merchant Service Account. of XXXX. This would have covered the account in full. This account was then to be removed from our credit as agreed by XXXX XXXX at XXXX XXXX XXXX, phone XXXX We would like the account removed from the Tradeline so our credit is no longer effected. The account no loner effects XXXX XXXX XXXX and only effect XXXX XXXX XXXX as we will refuse to every do business with XXXX until resolved.
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 XXXX 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 XXXX financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$14000.00}.
Product: Credit card or prepaid card

1. Used Synchrony Card to buy Furniture from XXXX XXXX 2.  XXXX XXXX issued {$1200.00} refund on XX/XX/2020 3. Called in customer service to request for check on XX/XX/XXXX 4. Asked to wait for 2-3 week to get refund 5. Called in again on XX/XX/XXXX. They have no idea, no request pending on issuance of refund. 
6. Customer Service hung up during the call on XX/XX/XXXX. 
7. Already called more than 5 times to understand the whole process during the process.

8. Called again talked to supervisor, bank asked 3-4 weeks of lead time again to start the process of refund.

9. They have been holding on to these funds and using it to lend money to other customers on high interest charges.

10. Clearly making profit on pending refund ( on negative balance ) while charging their customer hefty late fees when the payment is
one day late.

11. No laws to protect consumers, A bank can deliberately delay the payment received from a Merchant refund by mentioning technical difficulty while they make more money on borrowed money, while consumers have to pay within fixed time limit. 12 Do not have decency to correct their mistake by expediting the refund process as mentioned by manager. 12. Definitely an indication of financial regulatory violations and
degradation of civic decency in a society we live.

13. Took away productive time away from work which have created a constructive difference to quality of life and society as a whole.