23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Did not enroll in auto-pay however auto payment was taken XX/XX/XXXX for {$94.00} after manual payment made in XXXX. 

Started receiving notices of late payment for this payment and called to inquire on XX/XX/XXXX at XXXX EST and was on the call for 1 hour and 26 minutes. I was advised there was no record of the auto payment and to send proof of payment. Requested to speak with a supervisor and was advised I would need to receive a call back within 48 hours. No call was ever received. 

On XX/XX/XXXX, when I received notice of the next payment due of {$580.00}, I canceled the auto-payment and removed my bank account. I sent an email as instructed indicating that my bank statement showing proof of payment on XX/XX/XXXX had been uploaded via the Edfinancial secure site, and requested a call from a supervisor. Again, no call was ever received. 

On XX/XX/XXXX, I received an email from Edfinancial in response to my email inquiry as resolution to my pending request indicating their records show I called and was able to resolve my issue. I hadnt called ( this time ) and my issue was not resolved. I called to inquire about this email on XX/XX/XXXX at XXXXXXXX XXXX  and was advised the support was received, is being researched and would take about 30 days but I would receive a response either way. 

I called again on XX/XX/XXXX at XXXX EST and was advised the issue is not resolved and there is no estimated timeframe for research requests. When advised I was told 30 days I was advised that is not true. I again asked for a supervisor and was told it would need to be submitted and I would receive a call in 48 hours. I sent an email correspondence via the Edfinancial website requesting an immediate call from a supervisor. 

Tonight, at XXXXXXXX XXXX EST, I received a call which came through my cell as spam. It was not the Edfinancial number so I did not answer. This was apparently the supervisorI requested although the voicemail did not identify the individual as such. I returned the call at XXXX EST and spoke to a customer service representative who reviewed the account and indicated she was advised to request I submit proof of payment for research. I explained I had already done that in XXXX, had spoken to multiple people ( no supervisors ) since then and was waiting on resolution. I, again, asked for the supervisor and was told she would need to submit a request for call back in 48 hours. I advised I was returning a voicemail from literally 20 minutes earlier but she refused.

This student loan servicer is completely incompetent, mishandles payments, has zero customer service, rude reps and no escalation process. This is completely unacceptable. I would like my payment applied and am concerned about making any additional payments which may be mishandled and cause me to perpetuate this insanity!
Product: Credit reporting or other personal consumer reports

I'd like to follow up regarding my previous complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding how Equifax handled my dispute dated XX/XX/XXXX. I'm worried about the lack of progress on the part of Equifax Credit Bureau. The fraudulent inquiry mentioned in my Equifax credit report was still unresolved, and I'm kindly asking for your immediate attention to this issue. And even though the XXXX have removed some fraudulent inquiries but there were still three remaining fraudulent inquiries that I need the XXXX to remove. I've provided a list of the outstanding fraudulent inquiries for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}.
Product: Money transfer, virtual currency, or money service

I have sent multipy copies to them of there paperwork. Sent by XXXX. I have recieved multipule lied as to what was wrong with this form and, I am tired of the run around do I need to contact the banking regulations board. Legaly they had 90 days to have this money in my hand yet 3 going on 4 months after that deadline no money has been disbused. Just runn around after excuse.
Product: Credit reporting or other personal consumer reports

Navy Federal credit Union is illegally and unlawfully reporting my personal information that is private in nature to 3rd parties including credit reporting agencies. 
Under consumer law and US Code... 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;
Product: Credit card

Ive been getting unknown calls for months and noticed on my credit that my score went down and Im not aware of why it was. So I did my research and noticed multiple cards in my name and I didnt open any accounts up.
Product: Credit reporting or other personal consumer reports

SUBJECT : NOTICE OF DISPUTE REGARDING ALLEGED LATE PAYMENT- XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I Hope this letter finds you well. I am writing to formally dispute an alleged late payment on my account as referenced in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX190 FSUPP 2d 81 ( XXXX XXXX ) AS part of resolving this dispute, I kindly request that you provide me with all relevant internal records verifying the timing of the payment in question specifically, i would like to review any documents, system log, timestamos, and transaction records that prove the date and time when the payment was received and processed by your institution. 

It is critical for me to verify whether the payment was indeed late as claimed. Providing these internal records will help clarify the situation and ensure that all matters are accurately accounted for. 

I look forward to your prompt response and resolution of this matter.please send the requested documents to the address listed above or via email @ XXXX Thank you for your immediate attention to this request sincerely XXXX XXXX
Product: Debt collection

I have medical debt from various collections agencies. I called to talk to someone at the same agency ( XXXX XXXX XXXX ). I spoke to three people who gave me three different prices. 
I will be starting law school in the fall and wanted to take care of my medical debt so that I have good credit for my student loans and get an apartment. Although I recently set up a payment plan, I am confused about my amount and frustrated by getting three different total amounts owed from three representatives. 
Additionally, I mentioned that amounts that were below {$500.00} should be removed and they told me that wasn't true/had n't been passed yet.
Product: Credit card or prepaid card

Account was closed in XX/XX/2019 and American Express charged me back {$50.00} for a transaction from XXXX. 


Thank you for speaking to me about my issues on my account. Thank you for confirming the following : Even though the card has been closed since XX/XX/2019, the {$50.00} reversal is my responsibility. I have already mailed the check. The mentioned account has been closed since XX/XX/2019. Thank you for confirming that you can not provide me no additional assurance that there will be no additional " surprise invoices '' even though the account has been closed since XX/XX/2019. As a consumer, I am greatly concerned after our conversation that there may be another " future surprise invoice '' for another charge American Express decides to say I owe in two or three years. This is why you clearly refused, per our conversation, to put a letter in writing stating that the {$50.00} I remitted would permanently close this account even though it has been dormant for almost a year. You also mentioned that you report directly to the chairman and your word is final. I asked to speak to your manager and you told me you had none and reported directly to the chairman, Mr. XXXX XXXX. 
Please provide me the following : 1 ) The entire account agreement that I executed with American Express. 2 ) Any application I signed or approved electronically with the disclosures. 3 ) All written correspondence that you sent to me during the time I was a cardmember. 4 ) Please confirm that your address is XXXX XXXX XXXX, XXXX XXXX, NY XXXX and you work in Mr. XXXX 's office. 
I look forward to receiving these documents via XXXX XXXX by the close of business on XX/XX/XXXX. I remain, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Equifax breach, my information is now available for sale. I had to spend {$30.00} to place a freeze on all three companies, and now I will need to deal with the headache of lifting those when I need to do things like finding a new place to live. Not only is that a level of XXXX-salad I did n't want to have to deal with but the service Equifax is offering to protect us from their failure keeps us from being able to sue them if our information is sold and used. That 's absolutely deplorable and I hope the millions of complaints that are going to be coming through actually do something. Likely not, knowing how the government seems to work in favor of corporations and not the people just trying to live, but there we go. I did my part. I 'll be over here watching my credit reports like a hawk.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

I have had a credit card with JC Penney 's for over a year, and while it was great at first, my account was recently taken over by Synchrony Bank. Since then, I have noticed that several times when I pay my bill online, Synchrony will wait more than 72 hours to withdraw funds from my bank account. Because of their delay and the fact that I am a college student who lives more or less paycheck-to-paycheck, there have been a few times that I had the money when I authorized Synchrony Bank to take my payment but they waited so long that by the time they withdrew my money, the money was no longer there because I have had to buy groceries or pay another bill that was due between my JC Penney 's bill due date and the time Synchrony takes out the money. This results in my account not having sufficient funds, and when Synchrony tries to take the money after 72 hours or longer they can not withdraw it, and they end up slapping a {$30.00} fee on my credit card bill, along with increasing my minimum payment ; because of their behaviour, my minimum payments have gone from about {$30.00} a month to a current minimum of {$82.00} dollars. When I called customer service to discuss this with Synchrony, they did nothing to resolve the problem and simply demanded that I pay the {$82.00} by XX/XX/XXXX. I pointed out that when I use pay my other credit cards, the payments are withdrawn in less than 72 hours, and when I asked the customer service associate, someone named XXXX, about this oddity he provided no explanation other than to defend his employer. He then dismissed my call, saying that I needed to call another number. When I asked if this was customer service, he said that it was n't, even though the automated phone system directed me to him after I chose to speak with customer service. 

Now Synchrony has closed my account and is demanding that I continue making payments on the amount I still owe. Effectively, they have bad business practices and are punishing me for their incompetence.
Product: Debt collection

In XXXX XXXX XXXX I contacted Goodleap about the damages done to the my roof. They claimed that they were only responsible for offering the finance and refused to fix my roof because the XXXX XXXX XXXX went out of business. I contacted GoodLeap several times and they refused to pay for the damages for a loan they financed! In addition, this company prevents customers from updating any payment information on their website as well as the records they have. It is very difficult to resolve this matter as I reached out to my state senator to address this matter. See attached document.
Product: Credit card

I purchased an item in 2014. Five months after the MFG warranty expired, the item broke. After reading Discover Cards Extended Product Warranty information posted online, I opened an Extended Product Warranty Claim. I spent some considerable time gathering information to complete the " checklist '' requested by the warranty company, and was quickly denied. 
The denial was regarding my combined use of my Discover Card and a Gift Card. The Claim Benefit Services used a reason that contradicted the terms Discover Card has posted online. Upon further investigation, the warranty company stated that the product was covered under an old warranty policy which denied such a claim. The new policy would only cover the amount which was put on my Discover card. This seems a bit convoluted and I feel the ball has been dropped somewhere b/w Discover and their warranty company with me in the middle unable to use a benefit they are claiming I can use.
Product: Money transfer, virtual currency, or money service

I wanted to purchase XXXX a total of {$560.00} the total transaction came up to {$570.00}. Initially i had the money to purchase in my bank account but i moved some because i needed to make a different purchase. I come back and i see my account is in the negative for about {$500.00} dollars. So i move some money back in my bank account to bring my bank account balance up to positive. I open paypal and im also in the negative for {$570.00}. They held my crypto transaction of {$560.00}, but it has now been released & im in the negative about {$14.00}. 
I am saying all this to say i shouldnt be in the negative, i should have my {$500.00}. 

The money was in/moved in my bank to cover the paypal transaction so i shouldnt be in the negative with paypal. I should have my full crypto sale of {$560.00}.
Product: Debt collection

I continue, for the past two years, receiving invoices from XXXX XXXX XXXX XXXX XXXX ( a debt collection company XXXX Synchrony Bank, XXXX, account number ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$340.00}. I tried contacting XXXX at the XXXX number on the invoice over a year ago and when I gave them the last four digits of the Acct. #, they promptly asked me for my social security number ( the person answering the number had a foreign accent ). I hung up realizing the invoice was a SCAM. I pay all my bills on time and do not owe anyone any money and never had a credit card or other account with the four digit account number given on the invoice ( XXXX ). They continue to send me invoices each month, with three options to pay off the {$340.00}, 10 % off, 5 % off or build your own plan. What I find very odd, is they put this invoice each month in a different type of envelope, sometimes big ones, sometimes colored ones which makes me not know who the mail is from, which requires me to open it rather than toss it as SCAM. Please arrange to look into this company. If anything were to happen to me, my estate would think I owed the money, and I do not. I want these scam invoices to stop being sent to my address. There is no return address on the incoming envelope, making it impossible for me to " return to sender. ''
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. The last one being sent to Experian on XX/XX/2022 with complete attachments of my personal information including the Police Report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge.. 

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
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 in 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Debt collection

Fein Such and Crane debt collection attorneys are trying to foreclose on my home illegally. They have not provided any copies I have repeatedly requested over the past 6 going on 7 yrs they have filed papers foreclosing with XXXX XXXX XXXX as owning the note which they dont. They have failed to produce the note as requested
Product: Mortgage

I have copied and forwarded all of this and the prior complaints to XXXX and both Attorney Generals in each state ( California, Texas ). 
Hello please help me and the rest of us seniors that have had to deal with a servicer you can not get a hold of, does not process payments without complicated deceptive fees to reduce payments, adds on old loans from long ago that were satisfied, does not read or process fax, email or mail timely or just does not answer, but most of all sets a bad example of what consumers face this year. Stop this please. 

This is an all around bad and unethical servicer and they should be stopped not slapped on the hand like you did last time. Try this number XXXX see what prompts do then they hang up. They did not process the XXXX payment of XXXX they did not process the other XXXX payments by XXXX only XXXX with the expert bookmaking of taking {$2000.00} from XXXX XX/XX/XXXX and only applying one payment. Charging fees for home inspection twice. Please help I sent all of this to the President of US and Attorney General in Texas where Mr Cooper XXXX 
See docs. 
Mr. Cooper 's Rushmore Servicing This servicer is impossible to get a hold of, will not accept my Trust as succesor, charges fee after fee, does not process payments timely and purposely makes payments late even from XXXX XXXX XXXX. 
they did not process the XXXX payment nor XXXX and XXXX that XXXX XXXX XXXX  sent to them instead they did some fancy bookkeeping by finding every fee and way to make it that there were not XXXX payments applied but only one. They are incompetent and deceptive. Lookat what they did to the XXXX payments of {$710.00} from XXXX on the enclosed statement and did not acknowledge the XX/XX/XXXX payment I sent proof of by former servicer. They still manage to put house in jeapardy and my health. 

Now they have not abolished the loan of XXXX that was decades ago and satisfied by XXXX XXXX yet Mr Cooper they will not correct the errors.Valid way to contact a person a phone number that does not send you to XXXX prompts then hang up this is XXXX  that I can not get a hold of a servicer without having to go through default area is the only one that answers Try this number XXXX see what prompts do then they hang up. 
They had a false fax number on website for several weeks until I contacted email to tell them and they removed it. 

I have contacted several friends in tv that see this happening more with ghost paid loans coming out of the woodwork by servicers for banks that do not do proper auditing.Please help there arealot of Florida seniors like myself needing this sercvicer to be disciplined. They should have seen the prior servicer had to leave quickly due to a class action but they were nevertheless working on removing the satisified ghost XXXX XXXX loan. 
Rushmore XXXX was in the process of abolishing it before they had a class action suit and closed down and sold servicing to Rushmore Mr. Cooper, that interrupted the process. I ask Mr. Cooper to make it correct
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Wal-Mart by phone but have been unable to reach a live person at the number listed on my credit report. Account # XXXX is still being reported as a charge off /collection account but this account is paid in full. I have attached how the account is reporting on all 3 credit bureaus. XXXX reports paid was a charge off but XXXX  and XXXX is reporting as it is still a collection / charge off in the account status. Please update the payment status to the correct paid status to ensure my credit report and scores reflect accurately. 

I have also reached out to the credit bureaus via usps on several different times but they failed to correct the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts on my credit report that are not mine nor belongs to me. Please remove it.