23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I log in to my BofA credit card account ending in XXXX to make a payment online. After I am logged in, when I select the " Make Payment '' button I keep getting a popup box that shows : " Your request can't be processed due to account status. Please contact us for assistance at XXXX ''. 

This has been going on since XXXX. When I called XXXX, I spoke with a BofA customer service person who told me that she did not know why this was happening and did not know when I would be able to make a payment online. 

This is an unacceptable level of service. I use the BofA online payment system to make payments using the BofA epay system which lets me set up payments days, weeks, or months in advance. This way I can set up a payment when I am thinking about it and not have to worry about a late charge when the payment comes due. 

Now that I can not pay my account online, I also can not set up advance payment ( s ). 

Because I pay my bills online, BofA is, in effect, not allowing me to make or setup my payment ( s ) so they will not be late and subject to one of BofA 's outrageous late charges!
Product: Mortgage

This is a follow-up to complaint XXXX which I want to update and require new documentation from Sandy Spring Bank to fix the issue. 

Background -> Original mortgage ( XX/XX/XXXX ) from Sandy Spring Bank was sold/transferred to be managed by XXXXXXXX XXXX XXXX  starting XX/XX/XXXX. 

I made an initial payment to Sandy Spring Bank of {$25000.00}. {$5600.00} towards XXXX mortgage payment and {$20000.00} towards the principal balance. This was cashed by Sandy Spring on XX/XX/XXXX. I attached the cashed check record. 

Sandy Spring Bank transferred funds to XXXXXXXX XXXX XXXXXXXX. XXXXXXXX XXXX XXXXXXXX only processed my {$5600.00} payment for the XXXX due date but not my additional {$20000.00} towards my principal balance. 

XXXX ask me to reach out back to Sandy Spring Bank. I was provided this contact at Sandy Spring Bank - XXXX XXXX XXXX XXXX  Mortgage Accounting and Analytics Manager XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX | XXXX In XXXX, XXXX tells me over the phone that the XXXX principal payment sent over initially was not cashed by XXXX. He informs me that then he wired the {$20000.00} to XXXX on XX/XX/XXXX to account ending XXXX at XXXX. 

XXXX was investigating ( over 60 days ) and my {$20000.00} payment had been unaccounted for over 100 days. XXXX finally located the {$20000.00} on XX/XX/XXXX ( over 120 days ) and is recording I made this payment on XX/XX/XXXX when it should have been applied for the XXXX payment date. 

I am requesting Sandy Spring to provide documentation to me and XXXX- my final loan balance after my first month and additional $ XXXX principal payment. I can also forward to XXXX this record as they claim Sandy Spring did not provide this information correctly. 

I have not been able to reach or get a reply from Sandy Spring Bank point of contact XXXX XXXX for over 30 days via email or voicemails. 

Sandy Spring Loan ID # XXXX XXXX XXXX ID # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX XXXX XXXX and Experian XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, XXXX, and Experian to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, XXXX, and Experian that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Product: Money transfer, virtual currency, or money service

I am filling 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 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 cause significant inconvenience and financial loss, and I seek appropriate redress
Product: Mortgage

I was XXXX XXXX for XXXX years and separated. The transition was difficult and finding a new job with new expenses such as XXXX and XXXX expenses made it difficult. I fell behind when I was unable to pay expenses for XXXX and housing difficulties to include leak in house, leak outside house, car care, job transition that was not paying amount needed to live within means. Relied heavily on income tax return to get back on track but entire amount was taken to pay off XXXX XXXX XXXX starr card. XXXX approx. would have been used to catch up on housing mortgage. I never was informed that this amount was taken or to be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate XXXX XXXX and XXXX XXXX XXXX on my credit profile, I'm only getting automated updates. I will like a thorough investigation on XXXX XXXX and the colletion agency XXXX XXXX XXXX
Product: Student loan

My student loan was transferred from my previous servicer to FedLoan Servicing based on my submittal of a XXXX XXXX  Loan Forgiveness form. Since then, my experience with FedLoan Servicing has been nothing short of disgusting. They have mishandled applications and submitted documents, miscalculated payments, placed me and my wife in the wrong repayment plan ( repeatedly ), lost or " misallocated '' my payment records and more. I have been working with them again, for the past three months, to resolve the most recent problem surrounding my PSLF eligibility. I was supposed to be in an income-based repayment ( IBR ) plan, as required by the PSLF program, and was repeatedly assured that I was. The Supervisor I spoke to in XXXX informed me, quite rudely, that I had NOT previously been on a IBR, as I was informed, but rather had only been on one since XXXX. This was shocking enough, until today (XX/XX/XXXX ) when the representative and supervisor I spoke to at FedLoan informed me that actually, no, I have n't been on an IBR plan for almost two years.
<P/>
I have been a XXXX XXXX for 15 years and have faithfully made 10 years of payments, as I thought I was supposed to. And now that the loan forgiveness date is approaching, only now am I being told that the last ten years counted for nothing. Additionally, when I learned of this from FedLoan and asked what could be done, since I had followed their direction, I was treated with disdain. The supervisor I spoke to in XXXX was cold, aloof and acted as if she was personally paying off my loan under the PSLF, stating " Well if you 're asking me to forgive thousands of dollars of debt ... '' Additionally, my monthly payment was recently quadrupled due to a small increase in my family 's income, so I am currently attempting to lower my payments. Yet every time I call, the representative gives me a different payment amount ranging from {$38.00} to {$250.00}, and each of them swears it is the lowest possible payment available and can not see how the previous representative came to the payment amount they did. When my wife called, she was told the lowest possible payment ranged from around {$200.00} to over {$600.00}, again each of them swearing there was no lower payment possible under any plan. It is inexplicable.
<P/>
My wife 's and my every contact with FedLoan Servicing has been rife with incompetence, if not downright deception. I do not understand why, if you contact them and say " I want the lowest possible payment, under whichever plan that would be '' can they not come up with a consistent answer. Lastly, I was beyond distraught to learn that the last 10 years of payments I have made have counted toward nothing under the PSLF program, despite me doing everything I was directed to do.
<P/>
Thank you for your time and I pray you 'll be able to do something about this company before someone else is negatively affected.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name XXXX XXXX XXXX XXXX  Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX EMPLOYER - 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I reached out to someone concerning the purchase of some perfumes. I paid through cashapp and never received my items. I have attached text messages showing me requesting my items and my funds back. I also requested a refund through my bank, XXXX XXXX, and it was initially disputed and the funds was returned but the claim was denied on XX/XX/XXXX and the funds were taken out of my account.
Product: Bank account or service

I have tried to open a new bank account and I was denied. I received a report that wells fargo has purged me. My account was wrongfully closed on XX/XX/2015. Because a neighbor of mine who also works at wells fargo falsely accused me of harassing her while I was at the bank, taking care of my own banking business. I was taking to my banker at her desk and there is video surveillance to proof I was only dealing with my banking business. At the time I had a check for {$95.00} to my doctors office and wells fargo said they will still pay it. But several months later my doctors office in formed me it had bounced. And this is what is reported on my banking data. This district manager who falsely reported me to XXXX is the one who got my account closed. Wells fargo was not exercising their right to close it before she falsely accused me of harassing her. She falsely accused me once before and thought that, she got away with it then she would start giving me trouble again. Wells Fargo did have bias against me because of her when they closed my account. I still have the letter from XXXX. I tried to apply for a new bank account. Wells Fargo knew exactly what they was doing when they reported this false information on my credit report. This employee XXXX is making my life a complete nightmare. This is very " Unethical Behavor ''
Product: Money transfer, virtual currency, or money service

FEDERAL BUILDING no allow me contact FEDERAL court and FEDERAL JUDGE CAN I REQUEST TREASURY OF US, FTC, FCC, GSA and to solve compensation for me {$1.00} XXXX
Product: Credit reporting or other personal consumer reports

Macy 's Account XXXX has been incorrectly reporting inaccurate late payment with different months between XXXX and XXXX for ( 4 ) four years. Currently, the three credit bureaus are reporting the following late payment dates : XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, and XXXX - XX/XX/XXXX for one late payment. 

This gives a bad and irresponsible impression that I was late 3 different times. As per federal regulations, all claims must be a maximum possible accuracy and a maximum possible completeness and Macy 's does not meet this requirement and should be REMOVED AND UPATED to all three credit bureaus. I've disputed multiple claims electronically from the bureaus and sent a letter and Macy 's keeps denying my disputes, stating that its accurate. 

Today, XX/XX/XXXX, I've spoken to Macy 's and my dispute has been escalated to the " presidential level '', so I am waiting for their response. I also stated to them that this inaccurate reporting as caused harm to credit scores, credit opportunities, and high interest rates.
Product: Credit reporting or other personal consumer reports

15 USC 1681i ( a ) 1 challenges the 30 day response time 15 USC 1681i ( a ) 6 ( B ) 3 challenges investigation protocol 15 USC 1681i ( a ) ( 5 ) B challenges reinsertion protocols
Product: Debt collection

This company has been harassing me for almost a year now. My phone does not ring but instead goes straight to voicemail where they constantly leave robo messages. At first, I tried adding their number to my cellular phone 's " Block '' list but that didn't help. 
Out of complete frustration, I did some research on how to stop these calls. I found out about the National Do Not Call Registry and took the proper steps to register my phone number on XX/XX/XXXX. I am aware that it can take up to 31 days for the calls to stop but they were relentless. I then filed a complaint with the National Do Not Call Registry ( not sure of the date ). On XX/XX/XXXX, I filed a complaint with the FCC about the same company which is United Consumers. I was still being flooded with calls. On XX/XX/XXXX, I filed another complaint with the FCC. Since doing so, the calls continue. I have tried calling the number back to speak to someone and it's a robo message and only a message can be left. On XX/XX/XXXX, I left a message including my phone number and asked that they stop harassing me and stated to them that I am on the National Do Not Call Registry and that I also filed complaints with the FCC. I also told them that if they insist on continuing to call that I would take more drastic measures if the calls do not stop. Low and behold, the calls ( voicemails ) continue. I have no idea what this matter concerns because I can never get a live person. On the robo voicemail, it leaves another number to call to resolve the issue and I have tried calling that number, only to get the exact same robo message and no live person. Now, they have resulted to, not only calling from their " standard '' number, but have now started calling from another number as well from the exact same company. I am hoping that you can be of assistance and if not, I am only left with filing a class action suit. The calls that I began documenting are as follows : ( all in the year of XX/XX/XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, the calls began well before that time. Thank you for your time.
Product: Credit card or prepaid card

On XX/XX/2023, {$500.00} was charged on my XXXX XXXX XXXX  at Victoria Secret in XXXX, I contacted the credit card company to disputed it, however my dispute was denied by the credit card company. 

Joint card holder/my wife and I did not make the purchase or have not been to XXXX, my wife has Victoria Secret card, never use other cards at Victoria Secret . 

This is a fraud by a fake card, it is very suspicious obviously according to the transaction record XXXX provided to me, however Victoria Secrete worker did not check their ID at cashier.
Product: Debt collection

This company has never sent me a bill, probably because I have never done business with this company. This is not my debt. I have insurance that would have paid this, or I would have been told I have a bill.
Product: Credit reporting or other personal consumer reports

Despite making these attempts to address these discrepancies, the fraudulent items remain on my account, causing significant distress and inconvenience. The persistence of these fraudulent items on my account is adversely affecting my financial standing and trust in your services. I urgently request a comprehensive review of my case and an immediate resolution. Specifically, I am requesting : A thorough investigation into the repeated failures to remove the fraudulent items. Clear communication regarding the steps that will be taken to correct the account. A timeline for when I can expect the fraudulent items to be fully removed. I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. Please help me remove these items immediately : XXXXXXXX XXXX XXXX XXXX SD XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} ; ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Bank account or service

1ST NATIONAL BANK OF OMAHA XXXX XXXX XXXX XXXX, NE XXXX Re : Unauthorized Credit Inquiry Dear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing on XXXX XXXX, 2014. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue. 
Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance, XXXX XXXX XXXX, XXXX
Product: Debt collection

On XX/XX/XXXX I received an email from XXXX saying that they are the new collections for XXXX XXXX. When I chatted with the agent to see what the bill was for they explained. I made a payment for XXXX. I was never provided a confirmation and or a tracking number for the payment. I spoke with the agent of XXXX XXXX. I was told they do not provide confirmation numbers or tracking numbers for payments until they have been processed with the bank. My payment cleared the next day and posted to my account. Today XX/XX/XXXX I spoke with her again and she stated that one was emailed to me. I checked the email and the spam and noticed no email. Then she verifys the email and states Ok I will get one requested for you. So this tells me that one was never emailed out to me. I think that if I am making a payment to an account some sort of tracking number should be given for records of proof. Not having to sit and wait and wait and wait and then one never is emailed and have to ask again. 

I would also ask that they clear the account from my credit file has a charge off and mark it as paid as agreed. 

I tried to get a copy of the chats that I had with the agency and they system does not allow to get copies
Product: Credit card or prepaid card

Hello My Name is XXXX XXXX and I own a Chase Sapphire XXXX XXXX  Card. I received a correspondence from Chase Bank on XXXX XXXX and was requested to submit the following 2 documents by XXXX XXXX to avoid closure of the account. I went to the local branch immediately and filled out Social Security Form ( XXXX ) and XXXX. The chase branch faxed all the necessary documentation to XXXX. A week later I called the chase credit services numbers and I was informed they have not received my documentation and was asked to go back to the branch and re-fax the information using secure line which I did. I called the Chase customer service 3 days later and I was informed my documentation was still not received and everyone was quiet puzzled as to what to do next. I have been faxing this documentation to the same fax number almost every week and here is the latest evidence. I called the chase customer services today and I was told that since my documentation was not received ON TIME they have decided to close my account and it cant be re-opened. I would say this behavior is unacceptable by the bank and I feel that the customer was cheated due to no fault of my own. I didnt default on my payment nor do I have any red flags on my account but unilaterally the bank decided to handle matters on their own without due process. I believe this is a scam and maybe other customers are going through the same thing but decided to stay out of the process. Please help me in restoring my Sapphire XXXX Card account immediately. Thanks Real-time Fax Status Real-time  Fax Status : Successfully Sent Fax Info Date : XX/XX/2022 XXXXXXXX XXXX XXXX Receiver Name : JP Morgan Chase Receiver Company : JP Morgan Chase Receiver Fax XXXX XXXX XXXX Subject : Chase Sapphire XXXX Card Page Count : 3 ( including cover page ) Dear XXXX XXXX, Your fax to JP Morgan Chase XXXX at XXXX has been sent successfully! 
Successful delivery of your fax was confirmed at XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2022 Your fax inclu

ded 1 p age of coversheet with your text and 2 pages of attached documents. Be sure to follow up with the recipient to make sure that the fax is legible and is delivered to the right person in the office. To view or print the status of your fax, click here. Y
ou can also send XXXX a " tip '' to support this handy service.

Thank you, XXXX
Product: Debt collection

The debt collector FMS Financial Solution keeps contacting me about a debt which was discharged in bankruptcy. Attached is my bankruptcy paperwork and on page 22 the debt is listed as part of the debts which were discharged. They have sent me no written notices about the debt, and have used aggressive language in an attempt to intimidate me into paying a debt which was discharged during bankruptcy. One example of aggressive language that they used was to threaten to go after my father. While he did co-sign, my debt was discharged and I should not be contacted and told " we're going to go after your father, '' in an attempt to intimidate me. The FMS employee, XXXX, which told me this was aggressive and rude. FMS Financial Solution did not contact me during my bankruptcy proceedings because they received the bankruptcy paperwork. They also inflated the debt from approximately 3,000 dollars to 6,000 dollars and never provided any notice or information about what the extra charges were for. I want the debt collection to stop, I will be disputing this on my credit record and I want an apology written in email from the debt collector.
Product: Debt collection

I have been seeing this on my credit report from Portfolio Recovery regarding over {$680.00} I still haven't received a verification of debt and I don't believe this is legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent certified mail to the creditor per the information reported on my credit report ; however that certified mail was returned as not deliverable. So once I received this mail back ; I sent a copy of that returned mail along with a letter explaining this to Transunion on XX/XX/2018 due to inaccurate information being reported. I received their response that they " verified '' the information as accurate without changes.