23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I 've had the AMEX XXXX card for seven years and it 's always been a nightmare of an experience when things go wrong. Customer service refuses to admit to mistakes and refuses to correct them. They blame the " computer '' and act like they have no way to help if the computer does n't allow it. 
My story started with a late fee. My payment due date was on a weekend and I had previously set up autopay for situations like this when I may not be available to make the payment in full manually. I was surprised when I saw the late fee and immediately paid my balance and called to see if I could have the late fee removed. It was a {$26.00} late fee assessed on an existing balance of {$39.00}. I explained that I 'd had the card for 7 years and never been late XXXX and the rep agreed and submitted a request to have the late fee removed. The system denied it. He was unable to or unwilling to tell me why it was denied. I spent an hour on the phone with an account supervisor and then an account manager. They were all rude and unhelpful. Fuming I went online to my account to set up autopay so this never happened again. This is when I noticed that I HAD already set up autopay, all my bank info was there and accurate, autopay was just turned off. So I called American Express back and explained that I would n't have a late fee if they had n't turned off my autopay. The rep submitted a request and told me that the request went through and I should see the amount post to my account in the next 2-3 business days. 2 weeks later I check my balance and notice that there was no such credit. I called American Express again. This time I talked to the rudest rep of all who just kept telling me that the late fee was a valid charge and there was nothing he could do about it. Sensing I was getting nowhere with this guy and tired of his rude attitude that was making me angry I asked to speak to a supervisor. After 10 min more a supervisor got on the phone and I spend 5-10 minuted rehashing all the details of my problem. She said that all she could do was again try to submit a request to the system to remove the late fee but gave no guarantees. She put me on hold and came back 5 min later saying that the system denied my request. She was also unable or unwilling to tell me why. At this point I gave up, told her that my experience with them had been terrible and I was a extemely unhappy customer. The fact they claim their system is so ridgid and in no case can they override its parameters is utterly unbelievable. I know they can, they just refuse to. I 've had worse account history with mastercard and visa accounts that HAVE reimbursed me for late fees when I call in. I 've said that I would never use this card again before and then been suckered into using it because XXXX ONLY accepts americanexpress for some reason. However this time I shredded the card and all my AMEX cards. I will go to great lengths to not use AMEX anymore. They are a terrible terrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act a list of accounts below has violated my federally protected consumer rights to privacy to privacy and confidential under 15 U.S.C Accounts XXXX  XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information other than records of convictions of crime which antedate the report by more than 7 years 15 U.S.C 1681 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the. Information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # Number XXXX, XXXX, XXXX and hoping that this XXXX  XXXX Balance : {$1300.00} ( XX/XX/XXXX ) Late payment will be updated.
Product: Mortgage

i received the enclosed package from Wells Fargo flatly refusing to help me in any way shapre or form and still not taking responsibility for there mistakes. 

I asked for modification documents, short sale and deed in lieu 4 months ago, to date i have received nothing, and have been refused any modification any principle reduction without even applying for assistance. 
XXXX owns my loan Wells Fargo services this loan. Without allowing a borrower to apply for these programs without due cause is not legally allowed. Under what grounds are they denying? 

They have yet to resolve the title issues but for the protection of themselves they filed a claim with the XXXX, if they didnt mess up the modification with not properly showing liens i had no knowledge of the modification wouldnt have been allowed. 

I asked for a new Rep since it just felt like the rep assigned is continously stating they did nothing wrong. Well if you did nothing wrong you wouldnt have a claim in with XXXX. and you would be handling my concerns and providing the paperwork for programs that are in fact out there for people in my situation. 

Any thing i have asked WELLS FARGO THEY REFUSE TO HELP OR ASSIST
Product: Mortgage

This mortgage was moved from XXXX XXXX  ( old account at XXXX  XXXX ) to Chase ( letter dated XX/XX/XXXX stating new account number is XXXX ) effective XX/XX/XXXX. I have tried to log in online on XXXX, but was unable to as it was stating the account was not yet active. I called yesterday ( XXXX ) and was told that my mortgage was not active yet and would not be until around XX/XX/XXXX. 
With XXXX, I historically paid at the beginning of each month and paid more than the balance due - Chase can not take a payment from me until the mortgage is moved, however, I am being charged interest. I believe this is unfair to be charged interest on a mortgage that I am trying to make a payment on for the additional 7 days between XXXX and XX/XX/XXXX.
Product: Student loan

XX/XX/XXXX : Via https : //studentaid.gov/ I submitted to be put on the SAVE plan as a new applicant. As of XX/XX/XXXX this remains in review with my loan servicer, MOHELA. 
XX/XX/XXXX : I checked the MOHELA website to see when my next payment is due. It states {$3600.00} is due on XX/XX/XXXX which is beyond the SAVE amount quoted to me ( approximately {$550.00} ). It also notes that " We haven't received annual documentation to renew payments on your repayment plan, which causes an immediate change in your monthly payment. To see if you qualify for monthly payments based on income and family size, sign into StudentAid.gov and select " Recalculate my monthly payment ''. '' though this was submitted on XX/XX/XXXX and is supposed to be in review. 
XX/XX/XXXX : I resubmit the IDR Plan Request as a " recalculating plan '' to be put on the SAVE plan. 
XX/XX/XXXX : I receive a bill in my email from Mohela reflecting the {$3600.00} noted above. 

I have been told that Mohela should not be asking me to recertify my income before XX/XX/XXXX, which I believe it is asking with the " annual documentation '' as my tax information was used to calculate IDR plan estimates on studentaid.gov. They have also not processed or reviewed my submissions in a timely manner, and I am being adversely affected with a bill that is 6 times the amount it should be. Mohela has given me no communication in this manner.
Product: Money transfer, virtual currency, or money service

{$100.00} I sent XXXX transactions of {$50.00} to cash app tag $ XXXX. They stated they were sending it back but never sent it back. Cash app stated I would have to go through my bank which my bank revered the credit and I lost.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off XXXX XXXX  XXXX XX/XX/XXXX {$4900.00} XXXX  XXXX XX/XX/XXXX {$790.00} XXXX  XXXX XX/XX/XXXX {$21000.00} XXXX  XXXX XXXX XX/XX/XXXX {$580.00} Late Payment XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX {$41000.00} Inquiries XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Bankruptcy Chapter XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court Chapter XXXX Bankruptcy XX/XX/XXXX XXXX XXXX XXXX XXXX  TX XXXX Chapter XXXX Bankruptcy XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX ; Late XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX  XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

These are the inquiries which should be off from report. 
XXXX XX/XX/year>
Product: Mortgage

I stopped by this branch to request information on the Community Affordable Loan Solution program they announced in XXXX to assist XXXX XXXX  and/or XXXX  communities in pursuing the so-called " American Dream '' of becoming a homeowner. At first, I was told that the XXXX XXXX XXXX ( whose name I will not disclose ) was unavailable, but I was welcome to call and email him if needed. After leaving the premises, I started my online application. I called and left a voicemail the same day for this person, and it's been literally over two weeks, if not more, that I haven't received a callback. I should add that I've called him and his Manager on multiple occasions and still no response. My last effort to get their attention was to call the BOA general line, and the agent assisting me said that she sent an urgent email to the Manager, requesting a callback. NOTHING! My last voicemail to this Manager was expressing my disappointment and kindly asking to please drop my application. I don't feel right doing business with people that do not care. I don't want to play the XXXX XXXX, but it feels like it. Once again, the least I was expecting was an acknowledgment from them. Well, BOA, thank you for leaving me with a bad taste of what to expect from you and your people.
Product: Credit card

I opened a dispute case on the below case details. Please see below my message to Paypal and paypal 's responose to my dispute. 
I like the CFPB to step in to help me as I feel Paypal is not making an effort to assist me. 

PLEASE STOP THIS PAYMENT! THIS IS NOT ME! I MESSAGED THE EMAIL REFLECTING ON THIS CHARGE AND THE PERSON WITH THIS EMAIL IS UNAWARE OF ANY CHARGE. SOMEONE IS USING OUR ACCOUNTS!! PLEASE STOP THIS PAYMENT! 

Case timeline XX/XX/XXXX You filed a case XX/XX/XXXX This case was closed in the seller 's favor Case details Case ID : XXXX XXXX XXXX : XXXX XXXX XXXX Date reported : XX/XX/XXXX Transactions not refunded XXXX XXXX XXXX XX/XX/XXXX, Money Sent XXXX ID : XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

At or around XX/XX/XXXX, I purchased {$5000.00} bitcoin from coinbase using my atm debit card, not realizing I had a {$3000.00} spending limit. This transaction caused my account to be locked as my bank, XXXX, responding with NSF. The account was not unlocked even after the remaining balance was paid for 1 week. In the process of attempting to unlock the account, I wired {$10000.00} into the account and placed a stop payment as that also did not unlock the account. The account was unlocked around XX/XX/XXXX, and locked again around the XX/XX/XXXX. For two months they held more than {$17000.00} in my XXXX   account. Coinbase and XXXX are the same company, one being an online wallet, and the other being a currency exchange. The money they said I owed, they already had enough to pay for it in an alternate account with them. The way they've reconciled the account has been to collect all remaining coins in my account and every other coin which has exceeded the XXXX  they say i owe them. So while my account stayed locked, I've missed multiple opportunities to double and triple that money they held unduly restricted and made money off my money as stated in their terms and conditions.

I would like my account unlocked immediately as this restriction of funds has caused a series of events that has led to serious financial hardships for myself and my XXXX  kids.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for 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 This has cause me great XXXX stress, and financial hardship.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

These are all the call log time stamps and date. I am called daily since XXXX XXXX XXXX 
I gave  NO PERMISSION! For anyone to be calling me about imaginary debt that I dont even owe. 
And better yet, when they do call they push is straight to voice mail so 99.99999% of the time I cant even answer the calls I just get to dump my voice mail every week or two because thats how much their taking up my voicemail box.
Product: Payday loan, title loan, or personal loan

I paid the debt of {$840.00} with debit card ending in XXXX on XX/XX/21 to Ad Astra Recovery Service phone number XXXX. The day I paid, I specifically informed the representative named XXXX XXXX that I needed to get this off my credit report because my lender instructed me to pay some of my debt off. I made it clear I needed this off. She said that the phone call is being recorded after she told me she couldn't give me a letter stating that this would be deleted from my credit report. I said its her word against mine I need something saying its going to be deleted from the credit report. She then stated that I would receive something in the mail indicating that I paid. Well here we are over two whole weeks and have not received a receipt. Then I find out today they have the wrong freaking address so I had to provided the updated address. This entire time they were being extremely sarcastic with me so I hung up on them after I obtained the information needed. This must be deleted from my credit report asap. I had another debt larger than this amount and they deleted it in a timely manner. I know it can be done. These debtors or whatever they are called are very deceiving and divert from the issue! If my explanation isn't completely understandable, please do not hesitate to contact me. My phone number XXXX XXXX XXXX
Product: Credit card

XXXX ID is XXXX. 

I am writing to express my dissatisfaction regarding the unexpected closure of my account and the unresolved issue of my unredeemed rewards. 

On XX/XX/XXXX, I reached out via online message to inquire about why my account was closed without having received any prior notice. On the same day, I received a response stating that I needed to use my card within 30 days of the date of the letter to keep the account open. All relevant conversations regarding this matter are shown in the attached files, XXXX. 

Following that, on XX/XX/XXXX, which was within the 30-day timeframe, I called Barclays again to ask for a replacement card since my original card was damaged and also about redeeming my XXXX miles in rewards. The agent informed me that I could redeem them for cash back and that a check would be mailed to me ( see attached file XXXX ). However, despite more than two months having passed since that conversation, I have not yet received the check. 

I have reached out multiple times via online message but have not received any valid or actionable response from Barclays. I called your customer service team again tonight, but unfortunately, there was still no response or resolution to my issue. 

Note all phone have been recorded. 

I am extremely disappointed with this lack of communication and follow-through and would appreciate immediate action on this matter. Please advise on the status of my rewards redemption and provide a timeline for when I can expect to receive the promised check.
Product: Credit card or prepaid card

Discover Card has not changed my due date and keeps charging me late fees. There was a fraud on the card so we cancelled that card and have not received the other one. They refuse to change the date as they state we are late of which we are not.
Product: Debt collection

after reviewing my credit report, I discovered accounts that I did not recognize or apply for.Upon further investigation, I realized that my personal information was exposed in several data breaches as well I have no recollection of applying for any of the the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, and fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 



These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX .I have no connection these these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

I have previously filed a complaint last XX/XX/2023 and it was closed because the company ( Pangea ) responded saying that " the funds were never retrieved from my bank account '' and that I should reach out to my bank. Furthermore, they said that in their response that I " agreed and has not reached out to the Pangea Customer Service team since ''.

I haven't reached out to Pangea because I went to my bank and filed for a dispute regarding the funds that was never returned to my account. I took the bank nearly 2 weeks to give me an answer. And finally on XX/XX/2023 I received the bank 's investigation of my filed dispute. Upon their investigation they found out that there was " no error occurred and that the transaction was valid '' and that my money was paid to Pangea as can be seen in my bank statement. I have attached the bank 's investigation report and my bank statement for reference. 
With this, I called Pangea Customer Service to inform them of the bank 's investigation report. The agent insisted that they never took the money from my account but I reiterated the bank 's report. I asked to talk to someone higher to give a valid answer but the agent said she will escalate the issue to someone. 
XX/XX/2023 I received an email from XXXX ( Pangea Money Transfer ) requesting me to send my entire bank statement for the month of XXXX. 
XX/XX/2023 I sent my bank statement to her at help@pangea.XXXX but I never received a reply. 
XX/XX/2023 I sent my bank statement again at help@pangeaXXXX and to support@pangea.XXXX  I never got a reply. 
XX/XX/2023 I sent another email to follow up my concern but I never received a single reply from them until this day.
Product: Debt collection

Company : Account Control Technology XXXX Debited out of my account on XX/XX/18 after a recorded phone call. 

This collection is for tuition debt to XXXX University in the amount of {$2100.00}. I paid my collection on XX/XX/2018. I was told by the representative that the collection would be removed from my credit report. He stated the " School '' would remove it. The call was recorded. I had moved and did not receive notification of the debt until it hit my credit report. 

The collection has not been removed from any of my credit reports, it still reports to all three. The school said they have nothing to do with it being reported, that it is being reported by the collection agency. The collection agency says it's the school. Per the attached file it is being reported by Account Control Technology. 

It was promised it would be removed once it was paid and should be removed as they said would happen in the recorded phone call.
Product: Debt collection

There was an old debt on my credit report ( amount {$2700.00} ) managed by " Reel Time Capital LLC '' and now shows as " XXXX XXXX. '' Internet research shows that " XXXX ... '' likely purchased " Reel Time ... '' but that's not the problem. The account shows an " Opening Date '' of XX/XX/2023 and this debt is far older than that. Therefore, this account was RE-AGED and is in violation of FCRA Section 623 ( 5 ) ( A ). Disputes have been sent to XXXX and XXXX.