23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was sued by discover Bank and the account goes back to XX/XX/XXXX. I disputed the balance and went to trial. during the course of the trial and in discovery I asked the Plaintiff for a detailed listing of the charges they were suing for and a breakdown of interest charged. They only provided statements for the last XXXX years. They are claiming that the bulk of the charges {$8000.00} of the approximate {$10000.00} occurred prior to XX/XX/XXXX. However, they had absolutely no record of those charges and no interest breakdown. The court nevertheless found against me in spite of the lack of documentation. I believe that if they were suing on that account that they were required to provide a complete statement particularly itemizing the majority of their claimed debt. I have filed an appeal at this time. I believe that their failure to maintain those records is a violation of Federal law. Please advise
Product: Student loan

I am enrolled in the Public Service Loan Forgiveness program and have been since 2011. However, despite making many, many payments under this plan under the required criteria set forth, XXXX XXXX will NOT count my payments toward the plan and despite doing all that is required of me, is claiming that I 've only made 16 payments toward the plan, leaving me with 104 more payments. When I ask them for paperwork they wo n't provide it. What they have provided proves that I 've made more payments ( all of which have been a struggle to make ) and when I point this out to them their customer service representative tell me it 's on me to prove it, and that I need to write a letter proving why I 'm right and they are wrong. They have made absolutely no attempt to correct their wrong. In addition, there has been several times when they have charged me mystery fees that are simply unexplainable. 

The final straw for me is that after making another two years worth of payments, I just received a notice from them stating I 've only made 16 qualifying payments. Again, they provide no explanation. I 've stayed in public service because of this program and it 's ended up being a total disaster thanks to XXXX XXXX. 

This situation, being just one customer up against the machine of the Federal Government, is extremely overwhelming and defeating. I do n't know where else to go or what to do. I know I ca n't be the only one ... .I read that the State of Massachusetts is filing a lawsuit against XXXX for the exact same problem I 'm having. 

Please, please help me. This is so wrong and I need help fighting this terribly corrupt company.
Product: Credit card

American Express was issued a payoff check in XXXX from a HELOC loan I took out to pay it off, and when the payoff was mailed, the payoff amount was more than the actual payoff amount therefore they owed me back {$88.00}. I have been trying to get them to send me this overpayment for 2 months and they will not comply. I have had 3 different " chats '' : with their inadequate employees who all say they will issue the refund, but I never get it. The last " chat person '' told me I had to call and provided me a number and I called that number and was told I had to go thru their chat to get it done- very obviously a run around to avoid paying me the money they owe me. I closed this account due to horrible customer service and it is continuing to be a major problem.

As I requested the account to be closed, i destroyed the card and threw it away, therefore I have no card number any longer, i can provide my SSN and I the last 5 digits of the card are on the statement provided
Product: Mortgage

i have a 1st and 2nd mortgage on my home. I am trying to refy my 1st only to change it from an adjustable to a fix rate, nothing more not trying to get any money or anything out of it. they have sent a subordination to the 2nd as they are supposed to do to let them know what going on. I started this process in XXXX of 2016, I signed a paper and sent a letter stating what I was doing, they wanted a real signature so I got them a real signature then they wanted my address on the form so I did this then they wanted all this on another form so this was done. my 1st mortgage sent them all the paperwork and we have been waiting for months now to hear back from them they keep saying it is in review, meanwhile I keep getting extentions for a price lock on my first they have put several of these on and they do n't know how many more they will be able to use since they are limited. my mortgage is supposed to be going up in XXXX which is next week that why I had started this process well ahead of time my mortgage company said that this usually only takes a couple of weeks so why is it the 2nd has taken a few months which it should only take a week or so. I am at a loss here and am trying to get this all take care of I have talked to them but they are in no way any help at all they said they just received it on the XXXX, but when I spoke they admitted it was early XXXX. they said it takes 5 days then another 30 days the first cant wait that much longer and the 2nd said this is if it is approved why would n't they approve it nothing is going to change for them. I do n't know if you guys help out in this situation or it just a place to make a complaint, but if you can get them to expedite this it would be extremely helpful.
Product: Debt collection

This company is repeatedly contacting me " on behalf '' of an acquaintance and claiming I am a " reference '' and need to call back. This is untrue. I am ignoring their calls and have no business with them, yet they keep harassing me.
Product: Credit card or prepaid card

I had over-paid through a debt consolidation loan a credit card ( Comenity Bank ). I called to close the account and request a refund of the credit on account ( XX/XX/XXXX ). I provided my personal checking account numbers so a direct deposit could be done. I expected to wait 5 - 7 business days for this to happen. When the money had not been placed in my account, I called again and was told that they do not do direct deposits and that a check would be issued for the amount over-paid. I waited again and nothing. I called once again and was told that there was a mistake at the company and that the check was written for more than was owed. I assumed that they would have just processed a new check and get it out to me. I again called and was assured that the money would be in my account on XX/XX/2021. On XX/XX/XXXX the money was not there. I called again and was told that the " supervisor '' would issue a 2nd Request ... I was literally in tears at the end of this phone call. I called on XX/XX/2021 and was told that a check was issued and I should see it in about 10 days. I thought that maybe just reactivating the card would allow me to use the funds. Not possible. Very disappointed in not being able to receive my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian IS IN VIOLATION OF THE FCRA. PLEASE DELETE ALL INACCURATE UNVERIFIABLE ITEMS THAT YOU ARE FURNISHING ON MY CONSUMER REPORT IMMEDIATELY AND UPDATE MY CONSUMER REPORT. Experian HAS A GRAVE DUTY TO REPORT IN A FAIR AND EQUITTABLE MANNER TO ME THE CONSUMER.
Product: Credit card

1. I opened my discover card 5 years ago, which was my first credit card trade in my bureau. This card was about to expire in XXXX 2015. Instead of reissuing a same number card w/ later expiration date like other issuers do, discovercard closed my old credit card account and issued a card w/ new number. And when I looked into my credit bureau information, i noticed that my credit history was shortened for nearly 48 months, which is critical since being an immigrant, I only have 5 years credit history. 
2. when i logged in my discover account today, I received a mail stating that discover makes a business decision of closing my account based on my account information. I am always a normal consumer, never being past due and did n't see any legit reason of being close. I have n't felt so furious before and felt like being treated unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered 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 XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance {$700.00} XXXX XXXX XXXX XXXX Balance : -
Product: Debt collection

I have contacted XXXX numerous times regarding fraudulent account reporting on my personal information. I have been a victim of identity theft and following account is a result of me falling a victim of a victim of this crime. My social security was compromised when I got my mailbox broken into many times. I am a XXXX year old men and I have never opened any account with a company called State Farm Bank nor gave anyone else the permission or the authorization to use my information. I have contacted XXXX  to correct my credit report by removing the fraudulent account from reporting on my credit file, by sending them Identity Theft Report with attached my social security number and ID. XXXX   never conducted a proper investigation. I have requested their method of verification from XXXX   and from State Farm Bank but never received anything from neither of the company. I am making an attempt for you to clear up this matter. The reporting account with State farm Bank is a result of mail fraud, please help me resolve this misunderstanding.
Product: Debt collection

This account was previously removed from all three credit bureaus due to fraud, but a new third-party creditor has acquired it from XXXX XXXX XXXX XXXX and reinstated it on my credit report. I have requested a debt validation letter from them, which has gone unanswered. The account is closed, and XXXX XXXX has claimed insurance on it. Neither XXXX XXXX XXXX nor XXXX XXXX XXXX is legally entitled to collect on this account. XXXX XXXX XXXX XXXX XXXX I have also attached a copy of the validation letter sent to this company on XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher of information to credit agencies is considered a financial institution under this title. 
15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of information to credit agencies, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Furthermore, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Finally, XXXX CFR XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I reported fraudulent activity on my credit report to Experian Regarding them reporting a fraudulent account that was opened in my name along with a police report showing proof and its still on my credit report negatively affecting my credit and inability to obtain credit. Which is in violation of my rights from Experian under the FCRA law.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XX/XX/18 {$19.00} XXXX XXXX XXXX XXXX XXXX XX/XX/18 {$13.00} XXXX XXXX XXXX XX/XX/18 {$20.00} More for less XXXX CA XX/XX/18 {$13.00} Unauthorized charges were made on my account not be me or with out my permission I have my debit card pin written on the card anymore could have took it out of my bag in my car and used it. They told me I have to pay because I made changes from the town I live in XXXX  and XXXX are the two towns I shop in my bank is located in XXXX ca. I don't shop nor live in XXXX XXXX CA or XXXX  CA. They should request to view they taps
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX bal. {$4200.00}, XXXX XXXX bal. {$3400.00}, XXXX XXXX  bal. {$4600.00}, XXXX XXXXXXXX bal. {$7500.00}, XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I submitted a dispute on my credit report with Capital One Bank USA for two hard inquiries that was supposed to be a soft inquiry and the company did not acknowledge their pull and its still on my credit report without my permission. It was supposed to be for an auto loan and they were only supposed to do a soft inquiry to check my credit score in which they did not do that and instead they put two hard inquiries on my report on XX/XX/year> and XXXX XXXX.
Product: Credit card or prepaid card

I used a XXXX XXXX XXXX credit card at a Chase Bank ATM. The Chase ATM did not dispense the cash. I called Chase, whom I have a checking account with at the same branch that has the ATM that did not give me my cash - yet still charged the {$500.00} to the XXXX XXXX XXXX card. 

Chase told me they were not at fault ( after being very rude ) and told me it was XXXX XXXX XXXX who was at fault. XXXX XXXX actually had nothing to do with it. It was the company " XXXX XXXX '' who services XXXX XXXX 's prepaid cards who handled the claim ( XXXX XXXX is the ONLY company who actually helped me in the situation here - so the previous claim filed should be disregarded ). Both XXXX XXXX and Chase told me the other was at fault and neither would fix - mind you this was a {$500.00} withdrawal of cash that I was charged for and never received. XXXX XXXX said it would take them over 2 weeks to investigate my claim. Two Weeks? So I asked to see the documentation on my claim since they were acting on my behalf - they refused. I called Chase and again, they refused to do anything. 

XXXX XXXX finally calls me because they get my complaint, and they help me out - and call Chase and finally get the story. Chase knows that their ATM malfunctioned and yet they still have not refunded my money. They KNOW it malfunctioned but they are still keeping my money. This is theft!!! 

I called a district manager for Chase bank - no response. Nothing. 

The location is the XXXX XXXX XXXX XXXX, XXXX WA XXXX p. XXXX I am so happy with the service from XXXX XXXX XXXX when I thought they were at fault they were actually the only one who offered to help me. I am flabbergasted and quite frankly questioning if what both XXXX XXXX and Chase Bank have done is illegal.
Product: Checking or savings account

Bank Name : Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX I visited the ATM to withdraw cash, entering all my information. While the machine provided my card promptly, there was a delay in dispensing the cash. Suspecting insufficient funds, I immediately visited the bank affiliated with the ATM. The bank teller confirmed that the transaction had indeed been processed. With their assistance, we filed a dispute, yet Capital One denied it, asserting that the ATM transaction was accurate. Despite not receiving the cash, Capital One maintains the transaction was valid.They denied my claim, and I my money is taken out of my account. I didnt take the cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance is reporting on me and my husbands XXXX credit reports that {$3300.00} is owed but the account was resold at auction. Credit Acceptance was supposed to send us proper documentation of their Right of Redemption : including  amount of outstanding balance, deadline to redeem the loan, method by which to redeem or payoff Notice of sale : Intended date, time and location of sale of vehicle at auction. A description of how I can obtain an explanation of how proceeds of sale are applied to debt obligation and contact info to find out more information about upcoming sale. 
Post sale notices about if vehicle was sold being provided with account of how proceeds were applied. 
They havent provided me with the information that they were supposed to provide me with. It is my right to know what happened to said vehicle and why am I still been charged when I am not in possession of said vehicle. No docs about how much vehicle sold for, when or where it was resold.
Product: Credit reporting

I provided proof of the Federal Tax Lien being released and removed. All credit bureaus XXXX, XXXX have been removed, but EQUIFAX refuses to remove it even once the proof was given. I disputed 3 times NOTHING has happened. Its EXTREMLY FRUSTRATING
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX today regarding a previous issue that has been reported. We were unknowingly signed up for estatements. We don't do estatements never have and never will. Why? Because those will go often into junk email and will get overlooked or automatically deleted. 

XXXX states we signed up for estatements in XXXX of XXXX. Neither my wife nor I signed up KNOWINGLY. They claim they sent an email indicating that we were signed up, again, if we UNKNOWINGLY signed up, we would never see that email because it would-likely go into JUNK email. 

We missed a single payment because of this. Did XXXX send out a letter indicating that we had missed the payment? They did now. Did they send out a letter asking if we meant to sign up for estatements? They did now. Sending an email that wouldn't get read is not doing their due diligence. 

What's more, they claim they made 10 calls to my cell phone to try and let us know about the late payment. This is the first time they have stated this. If they did ( and I have no missed calls from them. I have attached a call log for my phone that they " reached out '' to me. I have no messages from anyone at XXXX ( and the woman I spoke with today did not indicate WHY they would not leave a message which other credit card companies DO. I doubt that they called. Here is my call logs going back a month ) I am more than willing to provide XXXX with a copy of voicemails left if XXXX and CFPB would like to have them. There are NO MESSAGES from XXXX and I have only 1 phone call that I received from them when it was 30 days past due. 

XXXX should also have reached out by mail and should automatically do that whenever there is a problem reaching a customer. It's the right thing to do and they didn't do it. The lady I spoke with today had no reason why they wouldn't do that either. I had also indicated that, if we unknowingly had signed up for estatements ( and I don't believe we did-I personally believe that the department that handles that had someone in house do it for folks because they are being incentivized for it like many companies are ).
Product: Credit reporting or other personal consumer reports

On XXXX I exited my rental lease early at the apartment property ( XXXX XXXX XXXX ) a XXXX XXXX XXXX in XXXX Arizona, due to an extremely bad experience, XXXX, apartment conditions etc. A short while after moving out I received a bill for certain charges. Two of the main charges were for the carpet which was only in the bedroom and a piece of vinyl flooring. While I was a tenant, I requested that the vinyl flooring be fixed. It was a small rip in the flooring ( Photo attached ) The maintenance individual stated at the time of request to fix it, that it was not something he could fix. I ended up being charged {$970.00} and it was actually fixed after leaving. I was also charged {$170.00} for the carpet that had some discoloration in the bedrooms. I was also charged for drywall issues which they cut due to water damage. ( Photos included ) We utilized an app called ( XXXX ) to make maintenance requests. Below are photos of many of the requests and I made to maintain the conditions of the apartment, Just to avoid being charged. I asked the district manager and to explain how I was charged so much. I also have attached a video of what the flooring looked like when I moved. I was sent a ledger and bill which is also attached but I do not believe that the amount was equivalent to the condition I left the apartment. At most all the all flooring needed was a carpet cleaning which is required and mandatory in all units when individuals move out. And I do not believe that the small piece of Vinyl in the photo was almost {$1000.00}. I know individuals who have moved out with more extensive damage and I dont believe the charge was as much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to pull all of credit reports on XXXX and I was not able to pull my experian report or my XXXX  report. 
Experian didn't even ask me security questions, i received this message : A condition exists that prevents Experian from being able to accept your request at this time. 

XXXX  did the same and i received this message : Online Delivery Unavailable We are not able to deliver your free XXXX  Annual Credit Report online. 

I haven't had any issues with my identity so im confused as to why it stopped me.