23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have an Amazon, Care Credit account and Walmart ( which is paid off ) and when I opened these accounts GE was the holder and it looks like the accounts were sold to Synchrony Bank. Synchrony Bank 's horrible practices have to STOP! Each time I make a payment, the credit limit is dropped below the minimum balance due and then charged an over the limit fee of {$38.00}. I would also be charged the interest rate and before I know it my monthly payment is extremely high. I am including both Care Credit and Amazon payments. I want to be refunded each time they charged me the overlimit charge and for late fee for all three accounts. Please look at the interest rate they are charging. for Care Credit, the annual APR is 26.99 %!! This is just XXXX and it needs to stop. And please do n't take forever to investigage. This needs to be resolved NOW and if you read any of the blogs about this company, a ton of people are complaining about their practices so please do something about them!!! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I XXXX XXXX called XXXX XXXXXXXX to request a 3 month deferment due to COVID - 19 On XX/XX/2020 I checked my Fico Report and discovered that upgrade had reported me XXXX  days late for the month of XXXX and XXXX. I have documentation to support my claim. I never missed a payment and the account is set up for auto draft. 

Thank you .... 
XXXX XXXX
Product: Checking or savings account

i have been dealing with bank america despute resolution services located at XXXX  arizona everything came from them and never was this persons at bank america ncXXXX XXXX XXXX XXXX XXXX XXXX, nc XXXX never were involved at all. letters dated XX/XX/XXXX from them state on XX/XX/XXXX the desicion was made and approved the claim. letter dated XX/XX/XXXX stated that the debit card ending on XXXX was closed and that th eaccount ending on XXXX was closed on XX/XX/XXXX. now here is the mistake or lies they have made. they stated that the withdrawls on XX/XX/XXXX of {$600.00} and the other s on XX/XX/XXXX for {$2100.00} and {$1.00} the stated they confirmed that my drivers license was used and as identification that a debit card ending on XXXX was used as identification for the transactions. 
NOW I RECIEVED THE FRAUD STATEMENT ON XX/XX/XXXX AND FILLED IT AND SIGNED IT ON XX/XX/XXXX - THANK XXXX I FOUND THE COPY I HAVE ATTACHED IT I EXPLAINED THAT WHOM EVER DID ALLTHIS FRAUDS WAS THE SAME PERSON WHO MADE THE WITHDRAWLS ON XX/XX/XXXX AND XX/XX/XXXX. THE SIGNED FRAUD STATEMENT I SENT ONXX/XX/XXXX AD FAXED AS WELL ALONG WITH OTHER INFORMATION WAS THE RESULT OF THE DECISION THAT WAS MADE ON XX/XX/XXXX BUT THEY NEVER BOTHER WITH THE OTHER FRAUD THAT TOOK PLACE. 
NOW I HAVE CALLED THE ATM/DEBIT CARD OPERATIONS XXXX AND THERE WAS NEVER A DEBIT CARD ENDING ON XXXX ISSUED AT A NO INFORMATION WHATSOEVER. I ALSO CONTACTED THE DESPUTE RESOLUTION IN ARIZONA AND THEY FOUND NO DEBIT CARD ISSUED ON XXXX AT ALL. 
NOW I SEND COPY OF THE STATEMENT SHOWING THE WITHDRAWLS AND HERE IS THE MISTAKE OR LIES THE STATEMENT ON SHOWS THE GA TLR CASH WITHDRAWL FROM CHKING XXXX AND NO BANKIG CENTER # AND NO CONFIRMATION NUMBER AND THAT IS THE FRAUD THAT TOOK PLACE BY THE SAME PERSONS OR BANK PERSONNEL. 
NOW I WENT TO THE BANK AND WITHDREW {$200.00} YESTERDAYXX/XX/XXXX AND GUESS WHAT IT SHOWS TYPE : DEBIT CASH WITHDRAW AT BANKING CENTER # AS WELL AS CONFIRMATION # AND THAT IS MY PROOF THAT WHAT TOOK PLACE WAS PART OF ALL THE FRAUDS IDENTITY THEFT THAT TOOK PLACE. 
I HAVE SENT COPIES OF EVERYTHING ALL LETTERS FROM ARIZONA FRAUD AS WELLS AS FRAUD CLAIMS AS WELL AS ATM/DEBIT OPERATIONS.AND A COPY OF THE FRAUD STATEMENT WITH MY SIGNATURE AND EXPLANATIONS INCLUDING THE POLICE DETECTIVE NAME DATE REPORT # PHONE AND BADGE AS WELL AND I ALSO HAD FAX IT TO AS WELL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 31 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.
Product: Debt collection

I DO NOT HAVE A CONTRACT WITH THIS DEBT COLLECTOR. 

DEBT COLLECTOR NEVER PROVIDED A CONTRACT BETWEEN ME AND THEM. 

I DO NOT VALIDATE THIS DEBT. 

DEBT WAS NEVER PROPERLY VALIDATED
Product: Credit card

i was scammed by an alibaba vendor and started Dispute Ref. XXXX a very long time ago. 

american express is violating federal regulation XXXX as they have refused to give me a refund for this fraudulent activity. 

I ordered custom made back packs from a XXXX vendors and the vendor never made them nor shipped me them. 

This is theft. 

Fed XXXX XXXX says i am owed my money back and American express is not refunding me. 

They have repeatedly delayed the resolution date of my dispute Ref. XXXX. 

I've been waiting for years for a proper resolution and American express fails to give me one.. 

This company needs to be sued into the direct and every employee that upheld these predator and illegal methods should be shot in the head.
Product: Debt collection

I XXXX XXXX file this claim against a debt collector that on one level may be legitimate as a collection, but is illegal be posted on a credit bureau unless the specified 180-day notice guideline was administered. This guideline established the criteria on when a medical collection can be sent to a collection agency. At no time was I ever given notice by the XXXX XXXX XXXX or CMRE. This is a true Fair Debt Collection Practices Act violation. I have no issue paying the balance not satisfied by medical insurance, and would gladly submit a credit card payment to CMRE for the remaining balance. However, a violation was procured and the only remedy is for the removal of the collection from all credit bureaus permanently. I will honor a payout in full if it 's negotiated that upon constructive receipt of funds that both parties will be satisfied and the illegal collection is permanently removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax CAN NOT be consistent. On XX/XX/XXXX, I checked my Vantage score 3.0 & it reflects my score went down XXXX points since XX/XX/XXXX. As of XX/XX/XXXX, my score was XXXX, now as of XX/XX/XXXX it is XXXX. See attached showing incorrect information with XXXX XXXX XXXX. For XXXX, Equifax shows I'm 120 days past due in XXXX. Account was closed ( at my request ) XX/XX/XXXX. Date of last payment XX/XX/XXXX. For XXXX, Equifax shows XXXX 60 days PD, XXXX  60 days PD, XXXX  90 days, XXXX 120 days. All other months for calendar year XXXX shows current. Also in the HISTORICAL section of Equifax XXXX AMT PAST DUE for XXXX XXXX XXXX, every month is blank. This is so frustrating when I check my credit report 2x 's a month, it is always different! I should only be 60days past due, NOT 120days! XXXX corrected their records now I'm filing this complaint on Equifax.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App due to inadequate costumer service and unfair practices which violate the Consumer Financial Protection Act or CFPA. Specifically cash app failed to take timely and effective measures to prevent or address fraud on their platform. This left my account vulnerable and unprotected. Additionally they did not comply with error resolution requirements under the Electronic Fund Transfer Act or EFTA. These have caused significant inconvenience.
Product: Debt collection

When I called, they have nothing for XXXX for {$100.00}. 
My accounts are all up to date and they show I have nothing in collections. 
What is this about? 
It should be removed from my report Thank You XXXX
Product: Credit card or prepaid card

This complaint involves two debit card companies, those being Cash App and XXXX, respectively. The reason there are two companies is because, on the surface, it might appear that the host company, [ Cash App ], says that they transferred my funds to XXXX  Debit at my instructions, is being truthful, yet XXXX claims to not have received the funds, only a notification that such funds was forthcoming from Cash App. 

As shown in the attached Cash App Transaction Record, I transferred all funds in the Cash App Account in the amount of {$14000.00} to XXXX and Cash App then closed the account. 

Since that time, my {$14000.00} is missing and because Cash App was the host institution, they have the responsibility to insure that the funds were in fact deposited with XXXX as instructed by myself. They insist that they have no further responsibility in this issue because the attached document does in fact say that Cash App in fact cashed my account out in the amount stated above and forwarded/transferred to " XXXX ''. However, initially XXXX told me that it would take three days for the funds to become available, identifying the amount without prodding from myself. 

Three days later, the funds did not show on my XXXX Account. Several conversations were held with XXXX representatives regarding this matter with XXXX maintaining that it does not have the funds [ {$14000.00} ]. It is a strange situation because the record does APPEAR that Cash App did in fact, at my direction, transfer the mentioned funds. This evidentiary fact does not change Cash App 's responsibility to see to it, or help facilitate a customer 's receipt of funds demanded in that customer 's account. 

Further, because " XXXX '' was able to identify the amount transferred to XXXX, gives this writer to believe something is amiss between these two companies, and I should not have to prove, with files which are held by the would be fraudsters, which Debit Card Company is guilty of either neglect, or purposeful theft of my {$14000.00}. 

I believe that either way, from a legal perspective or from a decency perspectives, both companies must assist in finding funds now taken from me and has simply vanished. 

Lastly, both companies are declining to assist in the locating of my funds while I suffer because I don't have access to my own funds, which as one might expect, mostly would be earmarked for bills of varying kind. 

This is a substantial amount of money to permit any company to simply vanish my or anyone else 's funds. I have filed a dispute with " XXXX '' which has yet to be answered, and have spoken with agents of XXXX. No physical complaint have been filed with Cash App since the transaction page of my account with Cash App show that the funds were " Cashed out '' after all funds were transferred to XXXX.
Product: Student loan

I consolidated my XXXX XXXX loans with XXXX, managed through American Education Services, in 2016. When the pandemic hit, and I entered XXXX XXXX at the University of XXXX XXXX  XXXX XXXX XXXX XXXX AES told me that my payments must continue. This put me in an awful financial situation, as I struggled to make my monthly minimum of ~ $ XXXX. They repeatedly told me that my loans did not qualify for any deferment or forbearance. Finally, in my XXXX XXXX XXXX XXXX XXXX, they approved a 3-month deferment and, upon showing financial hardship, allowed approximately one year of forbearance. However, I recently sought to minimize my monthly payment through a loan modification, as I XXXX XXXX XXXX XXXX and I am trying to repay the money owed on credit cards given the three years of making payments I couldn't afford during school. Those requests were denied, and I was told there's nothing I can do- they will not work with me on lowering my monthly payment. Finally, after pressing, the AES Representative explained that my previous requests for XXXX deferment were denied because I had originally selected " immediate pay '' and thus waived any right to XXXX deferment. This tactic of burying an important term and making it so inconspicuous is not only predatory but should also nullify the contract as void/voidable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$4700.00} XXXX   XXXX {$11000.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DPT ED/XXXX XXXXXXXX {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written direct dispute by XXXX XXXX, the consumer. This dispute concerns the accuracy and integrity of the information contained in my consumer report and pertains to account XXXX XXXX XXXX XXXX, opened on XX/XX/2021 with a charged off balance of {$690.00}. I did not authorize or benefit from the creation of this account. This account was fraudulently opened using my personal identification information and I am requesting an immediate blocking of this information from being reported to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions All Accounts in Violation XXXX  XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit card or prepaid card

I ALREADY PAID OFF MY CARD FROM CAPITAL ONE SINCE XX/XX/2019 AND TRIED CLOSING THE CARD. HOWEVER, THE COMPANY HAS BEEN SITTING ON A DISPUTE THAT HAS LONG BEEN SETTLED BY A THIRD PARTY-XXXX   XXXX. CAPITOL ONE CONTINUES TO CHARGE INTEREST CHARGES AND I AM AFRAID THAT SINCE THEY ARE NOT GIVING ME A TIME FRAME TO CLOSE THE DISPUTE, I MIGHT END UP BEING CHARGE AN ANNUAL FEE OR ANY FEES ASSOCIATED TO THE CARD.
Product: Debt collection

Allied Interstate continues to call my personal phone, my place of employment, my co-workers personal phones and my family after I have specifically told them that they can only contact me via US Mail. They have contacted friends on XXXX to obtain my private phone number. I have informed them that I will not speak to them on a recorded line. I have never received anything from them via US Mail. I sent them an email requesting verification of the debt. I have not received verification.
Product: Student loan

EdFinancial has reversed my student loan payment twice in the past two weeks. After the first time, I called them and they told me my bank had blocked the payment. I called my bank and they told me a transaction was never attempted and there was no evidence of anything related to EdFinancial on my bank statement.

I tried making the payment a second time, waited a week, and for two days it showed as " payment received '' on EdFinancial 's website. Then the next day, it shows as " reversed '' again. There is still no activity from EdFinancial on my bank account.

I'm currently on my third attempt at making my payment, which is now showing up as late, because EdFinancial keeps reversing the payment for no reason.

This seems like a huge scam to block my payment while interest is still accruing.
Product: Student loan

Two years after I thought I paid off my student loan Navient contacted me, without introduction, asking me to pay off my student loan. What loan, I thought, they I have another loan I was unaware of? The long and short, after six months of hounding me, along with the XXXX, ( not their fault ) they finally certified the loan " paid-in-full. '' However, the experience was a big pain : calls, letters, more calls, more letters, more calls_ususally a call center in the XXXX. Talking to them was like talking to a wall. I kept asking for an " amortization schedule '' to no avail, just a useless list of how the money was disbursed. Finally I spoke to an some specialist " adviser '' with them. I insisted I would not pay anything without an " amortization schedule. '' But, he said, that will take a lot of time. That 's when they " forgave '' the loan. They are the worst. Now I 'm concerned that all these years they may have mishandled my loan without my knowing.
Product: Money transfer, virtual currency, or money service

Money was sent to me on XX/XX/2022 via cash app. {$1000.00}. My bank merged with a different bank and so I was issued a new bank card number. The money was sent to the old bank card number, which was closed. Rather than hold the money. Cash app forwarded my money to a strange account in Mississippi, XXXX XXXX XXXXXXXX XXXX although I am in XXXX with XXXXXXXX XXXX XXXX. I have spoken with cash app and explained that the XXXX XXXXXXXX XXXX needs to know the account that they sent the money to however they refuse to give me an account number or even the last four digits so that my money can be found and returned to me.
Product: Credit reporting or other personal consumer reports

hello, my nme is XXXX XXXX. I am a victim of identitity theft. I hear about robberies all the time but never thfought id fall victim to one. I was robbed XXXX XXXXXXXX XXXX for my waller, purse which held all my personal information. I am writing to ask that you please remove these accounta. it is tarnishing my name and my credit. i am mot anke to get a place to live, bank accounts or credit because of thus theft. please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for house loan, preapproved with {$200000.00}. Only changes made to my credit report was a Bankruptcy fell off XX/XX/XXXX, XXXX  and Transunion both added XXXX points to my credit, then 2 weeks later removed the XXXX points and XX/XX/XXXX, I reapplied for house loan, with same banks XXXX XXXX XXXX Bank, and was denied by both, Transunion and XXXX  claiming that I have derogatoriness against my credit report and XXXX score, while XXXX  has no problems and I have XXXX score. I called today, XX/XX/XXXX to XXXX, they claim I have good credit and do not see derogatoriness, and would not discuss the XXXX points they removed after my bankruptcy fell off XX/XX/XXXX. He would not tell me my current score, but recommended I talk to their credit advisors XXXX, who do not answer and automatically disconnected. I have been paying all my bills on time, and only have 1 credit card with low balance, they claim I am 20 % in debt, I owe less than {$800.00} with a credit of {$15000.00} left. They just claim that 5 hard inquiries dropped my score, which I would not have had 5, had they not XXXX up my credit scores in first place. I am ready to buy house and can not get loan! Every month Transunion keeps dropping my score XXXX points XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX No score chg, XX/XX/XXXX XXXX XXXX XXXX pt XX/XX/XXXX XXXX pts, without any reason, XX/XX/XXXX XXXX pts for bankruptcy falling off after 10 yrs, no other changes prior except XX/XX/XXXX XXXX pts. My bills are all paid on time. No problems, other than Transunion and XXXX  have illegal practices going on!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reported to them that my identity was stolen and needed them to look into it. Also I never got to use none of these accounts at all and its making it hard for me to get a bank account and I just wan na be able to get a bank account and be okay
Product: Debt collection

I am filing this complaint because I have NO SIGNED CONTRACT with this company! This is identity theft! This is a formal cease and desist notice regarding all media activities, as well as future collections attempts. It has come to my attention that your company is engaging in identity theft and is attempting to cause financial and emotional harm to me. Additionally, I believe this company obtained my personal information, including ( my name, address, Social Security number which I dont have as a National ) through unlawful means, as I have never provided them with my information or consented to any interaction or transaction.In addition theyre reporting to my credit but dont name a creditor! And they have never contacted me or informed me of them having my information. I do not have a contract or authorized signature with MIDLAND CREDIT Management and any further pursuit of this matter will result in a fine of {$10000.00}, in addition to a {$500000.00} fee for the unauthorized use of my intellectual property. Your actions appear to be in violation of public laws and are an attempt to gain through frivolous claims under the color of law. Below are all the laws theyre in violation of : The FCRA ( 15 U.S.C. 1681 et seq. ), U.S.C. 1692 et seq. ), GLBA ( 15 U.S.C. 6801 et seq. ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Please consider this notice as a formal request to cease all related activities immediately. **Cease and Desist MIDLAND CREDIT MANAGEMENT
Product: Mortgage

During my trial period of a loan modification, I have tried multiple times via email and fax, to reach out to the bank with questions/help regarding the modification. I have received no feedback or responses to my emails or faxes. They specifically asked for a certain document to be filled out and I faxed that document to the bank and  two  months later, they 're telling me that is not the right document the bank has asked for. I feel as if I have done everything they have asked me to do but yet, I get no response.
Product: Credit reporting or other personal consumer reports

RE : XX/XX/XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XX/XX/XXXX. The information listed below, that is currently listed on my credit report is a result of that XX/XX/XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX, XXXX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XX/XX/XXXX - XXXX Listed below are the Public Records that are being challenged XX/XX/XXXX- XXXX Listed below are the Inquiries that are being challenged XX/XX/XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXXIN PERSONS. IF THE CONSUMER HAS PROVIDED XX/XX/XXXXDOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XX/XX/XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

portfolio recovery, {$850.00} last reported XX/XX/XXXX XXXX i disputed as account not mine i also have a fraud alert, they have not deleted. also a account for {$2200.00} last reported XX/XX/2022XX/XX/XXXX