23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Complaint against XXXX I purchased a {$200.00} XXXX visa gift card for my granddaughter XX/XX/22. The card was taken off of the card XXXX  at XXXXXXXX XXXX XXXX and we have been fighting ever since to activate or purchaser with this card. Another problem is that there is no way to communicate with the company except by a phone number which then directs you to send a fax which is never responded to. There is no location address on the site, help line or customer service once a card is purchased. The website is pretty much blank except for this phone number where an operator gives you the fax number. Once you fax you never hear back. That is why my granddaughter reached out to me, but then I never heard back either. 
Company Website : XXXX The company is XXXX, No location address available, and their Headquarters FSV Payment Systems , Inc . 

Step by step My granddaughter was never able to create an account. 
Every time she tried, on the site, it told her something went wrong, and she was never able to proceed and enter the card information to access the money prepaid. 
When she called the help number she was told to provide information, to no avail. 
I faxed a copy of the receipt, both sides of the purchased card and its cover nothing. 
I have enclosed reviews from others in the public. 
I feel this is happening because they can get away with it and they know it. 
This seems to be a policy because the card bank and its headquarters are complicit. From the many online reviews, it seems untold numbers have suffered the same fate with no resolutions. I wrote to them informing them as to those I would be sending this information to, but they could not care less, because they feel nothing is going to happen. As I write this, I still have not heard a word from them, they continue unabated. I wonder if a class action suit could put a stop to the scam. The public is in essence being tricked into sending this company free money. 
I went online to check the reviews of this company and found fraud and abuse in these reviews. This company just keeps the money, and that's it! You are never able to use the card or get a refund.
Product: Debt collection

This company, United Consumers , Inc. ( UCI ) @ XXXX XXXX XXXX XXXX, VA XXXX, Phone # XXXX, repeatedly robo/auto calls our home phone number trying to collect a debt on a XXXX XXXX. Recently, they have added XXXX XXXX (? ) XXXX to their calls. On XXXX/XXXX/15 I called the company and asked them to stop calling because there is no one in my family with any of these names. XXXX XXXX XXXX, from the company acknowledged my request and said they would remove our name from the call list. Yet, on XXXX/XXXX/15, we received another robo/auto call from UCI regarding XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times over the last XXXX months to obtain my credit report from Equifax on its website. I get the error code " XXXX  '' and told to contact Equifax by phone. I did this immediately. I was told I needed to fax my social security card and driver 's license to XXXX. I did so the same day ( XX/XX/2021 ). A week later I received a postcard in the mail from Equifax stating " We received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one of the following reasons : -You have not applied for credit recently. -You have not actively used credit in the past XXXX years. -You have not lived in the United States or have not been issued a U.S. Social Security Number. '' And they also say to contact XXXX and XXXX. I do not have any issues with XXXX or XXXX. I am able to access and have credit scores with XXXX and XXXX. My two credit card companies tell me they report to all three bureaus. 

I have two credit cards and I'm a US citizen with a SSN. This is preventing me from obtaining a car loan through my credit union because they pull from Equifax only and they receive a fraud alert on their end when they try to pull my report from Equifax. I have called Equifax numerous times since and I am told the same thing EVERY TIME. They tell me they haven't received my documents and to resend them. How has Equifax not received my documents but yet they send me a postcard every time stating they are unable to locate my credit file?
Product: Credit card or prepaid card

I have asked Barclay several times to lower the interest so that I will have an ability to pay for the credit card. I have been in the hospital twice and can not see them working with the situation we are in. in fact the rates have gone up. This is how they make money but the high interest is not the plan of our country getting out of debt. I see no benefit to this kind of behavior on their part.
Product: Credit reporting or other personal consumer reports

For the record, this account and the late payment reporting of XX/XX/XXXX is disputed. 
Note to Experian and XXXX, this account has been disputed earlier this year several times and I am disputing the late payments reported on XX/XX/XXXX to my credit reports. 

I have disputed the account with XXXX XXXX as both XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and dealership XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fraudulently created a second unauthorized retail installment sale contract dated XX/XX/XXXX, and forged a signature purported to be mine that they are using to enforce the alleged auto loan, but I never consented or had knowledge of this fraudulent contract. They created this fraudulent contract for financial gain so they could securitize the contract and receivables and sell it to a Trust entity so they could sell it on the secondary market/stock exchange while never providing me any monetary consideration. 
I sent them a 12 CFR 1026.13 and 15 USC Section 1666 notice of billing error dispute for the entire account, my account was in good standing and paid through XX/XX/XXXX, but when I learned that both parties were using the fraudulent and forged unauthorized contract dated XX/XX/XXXX to enforce the alleged auto loan they never funded, I started to withhold payments as of XX/XX/XXXX provided by the law and because we are in active litigation in the XXXX XXXX XXXX Washington Case No. XXXX and appeal with the XXXX XXXX XXXX XXXX XXXX XXXX where all evidence and documents are filed with both courts. you can view and download all case files from pacer.gov XXXX XXXX reported false derogatory information about the account being late as of XX/XX/XXXX, causing irreparable harm to my constitutional rights, liberty interests, reputation and financial stability, creditworthiness and have been harassing me and I am afraid for my life. I have reported them to the police, FBI, Federal Trade Commission, DMV, and other agencies, but XXXX XXXX and XXXX do not want to abide by the law. Please help me.
Product: Credit card

My PAYPAL MASTERCARD ( ending XXXX ) is what this complaint is concerning. I make the minimum payment which i can not afford and the balance continues to go up. How is this legal? Theyre charging me $ XXXX a month in interest and my minimum payment is {$60.00}. The balance rises after my payment. I do not receive paper copies and the account is closed, so i have no idea what my account number is. 
They refuse to answer my concerns, they have no customer service form, they have a bot that is the worst in the banking industry. 

They continue to harass me and call me with a recording when i have tried endlessly to let them know if they dont lower the rate, i will have to file for bancruptcy protection. This account has been closed over a year. The balance is more than it was when I closed account, is that fair?? 


THEY HAVE INCREASED MY BILL Appromimately 15 % just from late fees.
Product: Student loan

To whom it may concern : I am having issues with FedLoan Servicing accurately counting their monthly payments as qualifying towards Public Service Loan Forgiveness. 

I consolidated correctly back in XX/XX/XXXX and began paying my first payment in XX/XX/XXXX with  XXXX XXXX and XXXX  XXXX and have been on qualifying repayment plans since then. 

I have also completed Employment Verification Forms since then, which have been accepted. I have always made automatic on-time monthly payments while working for approved employers. I worked full time for a non-profit University from XX/XX/XXXX to XX/XX/XXXX and currently work as a full time XXXX  XXXX from XX/XX/XXXX to current without a break in service. 

XXXX XXXX is telling me that some monthly payments have not counted because of various deferments and forbearances on my account which I know nothing about! I have never applied for any type of deferments or forbearances. 

Customer services representatives give me different information each time I call. Six months ago, I requested a recount of my qualifying payments and one administrative forbearance was removed in the process. Since then I have requested ( in writing ) documentation of the other alleged deferments and forbearances as well as a list of which monthly payments have not qualified. I have not heard from them at all. 

On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payment under PSLF program were 81. 

On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payments under PSLF were now 75. 

On XX/XX/XXXX I made contact with myfedloan.org Customer Service Rep ( XXXX employee # XXXX ) and explained that I have documentation from Fedloan Servicing stating as of XX/XX/XXXX I have made 81 payments under the PSLF Program. XXXX informed that she would submit my request for investigation and would receive a response in 90 days by XX/XX/XXXX. 

On XX/XX/XXXX Customer Service Rep ( XXXX employee # XXXX ) stated its a system issue. 

On XX/XX/XXXX Customer Service Rep ( XXXX employee # XXXX ) After submitting my yearly employment recertification my PSLF Qualifying payments were incorrectly adjust to 57 on one loan and 59 on another loan. 

Please help, Ive devoted my career as a public service employee and have abide by the rules of the PSLF program. I feel that XXXX XXXX is not accurately counting my qualifying payments towards the Public Service Loan Forgiveness program.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to all 3 credit bureaus I notice that there is a Bankruptcy on my credit report.

I'm requesting verification of the process that was used to verify the information with the credit bureaus. What methods they use to verify the information I'm requesting that the credit bureaus all 3 provide A. The name of the Court house B. The name of the person they verified the bankruptcy C. The Address and telephone number of the courts D. The docurmentation use to verify the bankruptcy
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile I noticed several fraudulent items on my credit report per15 u.s code 1681b permissible purpose of consumer report I have listed all items on my ftc report 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX TV service is attempting to collect a debt I do not believe I owe. I signed up with XXXX XXXX TV service in XXXX when I moved to a new residence. In the past 2 years, XXXX took over for XXXX in my area, and took over my TV and Internet service. I became dissatisfied with the service of XXXX, and called to cancel my service. I had already signed up with a new company to avoid interruption, and when I talked to XXXX they told me you can't cancel mid-month. I did not think this was accurate, as I had signed up with XXXX and the policy was no contract, cancel at any time. When I mentioned this to a member in billing from XXXX, they told me I would be credited the amount back from the day I told them I was canceling. ( This document is attached to this complaint ) I started receiving bills for a full months amount, even though I called in to cancel on the morning of the 3rd day of the billing cycle. I called to inquire, which I was told they do not prorate monthly bills. I sent in a check for {$34.00} to cover the 3 days I used of the billing cycle, along with a letter stating if they cashed the check they agreed that this was final payment on the bill. I also sent in a letter stating my case and a copy of the conversation with the billing person saying I'd be credited the portion of the month after I canceled. The check was cashed, and I didn't hear anything for almost 2 months, when a credit collection agency contacted me. The credit agency is Credit Control ( XXXX ), told me I owed {$170.00} ( roughly ) remaining on the account. I explained my situation and said I wanted to dispute the debt. After about 2 weeks, the Credit Agency called me back again saying XXXX was not going to change the amount they say I owe, and did not have to accept my payment as final payment because they did not sign a credit release form, or something like that. I told the Credit Control agent that I needed to think about what to do, after they told me it would go on my credit report starting Sunday XX/XX/XXXX. I think this is pretty raw deal for me, I don't believe that a company changing a policy after I signed up for something, without direct notice is fair. If they don't need to accept my payment as final payment without signing something, I certainly don't think it's fair to let them change their terms of service without having me sign in receipt of the changes. I certainly did not sign up for a contracted service, for them to enforce that later on is wrong. I've done everything I can to right this, I have chatted multiple times with the XXXX billing department, twice with the Credit Control agent, and written into XXXX. I paid a fair portion of the final billing cycle, included the text of the chat with their agent who told me I wouldn't be charged for the portion of the month after I called to cancel. XXXX changing the policy of the plan for which I signed up without direct notice of changes not buried in 200 pages of fine print is not fair to the consumer.
Product: Mortgage

I 've been paying PMI for over 12 years. My amortization schedule finally hits 78 % which means PMI automatically drops off but Bank of America refuses to remove it saying I have to pay for an appraisal?!?! And the appraisal company I have to use has business ties to Bank of America. Hello conflict of interest. So with Bank of America you have PMI for 30 years unless you pay XXXX of their business partners money to do a new appraisal? This ca n't be right but after numerous electronic messages and phone calls here I am, 12 years later, and still paying PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed my credit report and noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and these accounts are fruadulent and does not belong to me. This process of trying to get my life back on track is becoming overwhelming due to these negative remarks that are on my credit report. These discrepencies that are on my credit report are holding me back from moving forward so I am asking that this problem be resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled the sensitive information of 143 million Americans. Then, they failed to inform the public until a month after it had happened. They have only offered us 1 year of free credit monitoring, which also waives our right to take legal action against them. 

Companies that handle sensitive information like this should be held to a higher standard and disciplined accordingly when things like this occur.
Product: Checking or savings account

I made a dispute on my business account. 
They suspended 18 checks after taking the money from the companies who paid me and said they were unverifiable and closed my account. Note they wont give me my money and said that they will no longer communicate with me any longer. 
XXXX # XXXX {$250.00} XXXX # XXXX {$1000.00} XXXX # XXXX {$600.00} XXXX # XXXX {$800.00} XXXX # XXXX {$250.00} XXXX # XXXX {$250.00} XXXX # XXXX {$800.00} XXXX # XXXX {$250.00} XXXX # XXXX {$600.00} XXXX # XXXX {$250.00} XXXX # XXXX {$250.00} XXXX # XXXX {$1000.00} XXXX # XXXX {$500.00} XXXX # XXXX {$400.00} XXXX # XXXX {$400.00} XXXX # XXXX {$200.00} XXXX # XXXX {$250.00} XXXX # XXXX {$800.00}
Product: Money transfer, virtual currency, or money service

I am filing 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 caused significant inconvenience and financial loss, and I seek appropriate redress+ for these violationsXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my Consumer Report and noticed that a change was made on my report. It states that XXXX XXXX XXXX was removed from my report and I gained 1 point. I disputed this item last year which wasn't deleted and now after another dispute it has become deleted. I would like to know what was the purpose of the deletion. According to 15 USC 1681 n and 15 USC 1681 b ( 2 ) they are in Violation. I never gave them permission to report anything to them and Pursuant to 15 USC 1692j. I am asking for remedy of XXXX by Check Only.
Product: Student loan

I am a co- signer on a loan that occurred in 2007, when the company was freely giving loans and using deceptive practices in regards to the for-profit schools. I was receiving calls at my home some days up to 28 calls. I am gone during the day to work, and provide a machine for message. I have been abused by the callers. I should have been released from this loan years ago, however that was never presented as an option. 

There was one call that was over the limits of harassment. The lady was scolding me and belittling me, as if she was a parent talking to her child. The call was so upsetting to me. She asked harshly if I paid any of my bills. Did I pay my car payment, Did I buy groceries, If I did this, then why I did n't pay this. I was in tears at the end of the call. I was abused by this call!!! 

The companies response to my complaint was tell us what time and date did the call occur, so that I they could check on it. I have n't been able to supply that, but a company, worker by the name of XXXX XXXX admitted that the call was listened in on, by a superior employee and went to speak to that employee after the call. 

This shows the company lied to us all the time, and deceived us about the call. They should have record of the call, if the employee was repremaneded right after the call. XXXX XXXX apologized for the treatment on behalf of the caller. I would think that the company would want to help get these loans paid, but they do n't seem to want it paid. They always suggest forbearance, so they can get more interest out of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 XXXX XXXX XXXX
Product: Mortgage

I am filing a complaint with Chase mortgage. For months now, I send them my mortgage payment in plenty of time ( a week to 10 days or longer before the first of the month ) and they hold my payment, running up the interest. 
They responded with a blanket statement that I have a fixed rate mortgage and yet there is an $ XXXX interest charge on my statement. 
What for? 
I believe it is because they hold my payment check past the due date on purpose to run up the interest as aI am trying to pay ahead on my mortgage to pay it off. They want to keep my paying as long as they can as my interest rate is 6 %. 
I have tried in good faith to renegotiate ( refinance ) the mortgage with them, but they dodge and delay my requests. 

They say they have responded to my previous complaint with phone calls, but I have no record of them. ( I checked my phone : XXXX and there is on record of them calling me. ) I also got a letter that I was supposed to respond to by XX/XX/2022 which I did not even receive in the mail until XX/XX/2022. 

This is how they treat me. This is bad business...
Product: Credit reporting or other personal consumer reports

XXXX Date XX/XX/XXXX, I am writing to bring to your attention a critical issue stemming from the deletion of information from XXXX 's records and the subsequent failure to comply with XXXX XXXX reporting standards and the Fair Credit Reporting Act ( FCRA ), particularly in relation to FCRA XXXX XXXX XXXX ( XXXX ) ( d ). 

On XX/XX/XXXX, XXXX deleted information related to the XXXX XXXX XXXX XXXX for File Number XXXX. However, despite this deletion, there has been a notable lack of compliance with XXXX XXXX standards regarding the issuance of carbon copy notifications to relevant sharing relationships, including third parties and other consumer reporting agencies. 

This failure to share and send a carbon copy notification to other consumer reporting agencies, such as Experian and XXXX, has resulted in significant consequences. I have previously disputed the presence of child support accounts with both Experian and XXXX. Had XXXX shared and sent a carbon copy notification to them, it is likely that these accounts would have been deleted. 

For your reference, the child support accounts are listed as follows on each consumer report : XXXX : Name of the account : XXXXXXXX XXXX XXXX XXXX, Account Number # XXXX Experian : Account Name : XXXX XXXX XXXX, Account Number : XXXX This oversight has had severe consequences, damaging my character and significantly impacting my opportunities to purchase a home, purchase a vehicle, and obtain credit. As a result, I am facing substantial challenges in various aspects of my life due to this non-compliance with regulatory standards. 

I am reaching out urgently to request clarification on the steps being taken to address this matter and ensure compliance with XXXX XXXX reporting standards and the FCRA. Additionally, I seek information on the procedures in place to rectify this situation promptly and prevent similar incidents from occurring in the future. 

Please prioritize this matter, as it has had a profound impact on my life and financial stability. Your prompt attention and resolution of this issue are greatly appreciated. 

Thank you for your immediate action and attention