23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hi, I received an email from the department of Education that my account would be transferring to a new portal but still serviced by Mohela. The DOE email stated I should have gotten a notice from Mohela already. I, however, have not gotten any communication from Mohela that the transfer started. It states it should take 15 days but it has already been 21 days. 

I am trying to make extra payments to defer interest costs but there is no way to make a payment online or over the phone until this " transition is complete ''. Why am I stuck paying interest why they are unable to accept payments? It states I can mail a payment but will be getting a new account number and that payments made in the transition period will take 30 days to process. 

So I essentially am stuck paying interest on money that would have been repaid. The servicer is unable, or unwilling, to answer the phone. I have no access to my account to even send a message. The portal just says my account is " transitioning ''.
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to use my TJX Rewards card issued by Synchrony Bank at a XXXX XXXX. I had previously made a payment to the credit card in the amount of {$330.00} and received an email stating that the payment was posted to my account on XX/XX/XXXX. My bank account had showed these charges cleared, and the money removed from my account by XX/XX/XXXX. I called the customer service line and they advised that since i'm a new cardholder, there are holds placed on my account. They stated my payment hadn't cleared yet. While on the phone, I pulled up my account on line and showed on my bank statement the cleared amount of {$330.00}. The representative continued to tell me that the company hadn't received my payment yet, and that is why I wasn't able to use my card, yet I was staring at my bank account that showed the amount in question missing from my account, and it was NOT a pending transaction. The representative continued to tell me that this was a part of being a new cardholder, is that even though my payment is full and clear and they have taken my full payment, removed it from my account, they will continue to hold the limit since i'm a new cardholder.
Product: Credit card or prepaid card

The card was denied and company wanted my SS card my license my passport Never heard of this
Product: Mortgage

I am writing to bring to your urgent attention a critical issue concerning my credit report. Upon reviewing it, I have discovered fraudulent account that do not belong to me. I formally dispute the presence of this unauthorized account and request their immediate and aggressive removal from my credit report. As a victim of identity theft, I am perplexed as to why the CRA is not complying with the law, especially when the other bureaus have done so. I have provided supporting documentation, including a copy of my identity document, and any other relevant materials, to substantiate the claim that this account is a result of identity theft or fraudulent activity. The fraudulent account in question : LOANCARE XXXX. 

Recognizing the importance of your role in maintaining accurate and reliable credit information, I urge you to swiftly and aggressively investigate and remove this fraudulent account from my credit report. It is crucial that these unauthorized entries be deleted as soon as possible to prevent further damage to my credit score and financial standing. I appreciate your understanding of the urgency surrounding this matter and request your prompt attention in resolving this dispute. I hereby request that you initiate an immediate investigation into this fraudulent account and provide me with the results as soon as possible. I expect that you will take all necessary actions to promptly delete these entries, ensuring the accuracy and integrity of my credit report. Thank you for your prompt attention to this matter. I eagerly anticipate a swift resolution and the removal of the fraudulent account from my credit report.
Product: Debt collection

I am filing a formal complaint against CREDENCE RESOURCE MANAGEMENT for their continued attempts to collect an alleged debt in the amount of XXXX, despite my repeated disputes regarding its validity. 

I have never provided CREDENCE RESOURCE MANAGEMENT with my Social Security number, nor have I signed any agreement or contract with them. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt, and they are required to cease collection efforts until proper verification is provided. However, they have failed to furnish any legitimate proof that I owe this amount or that they have the legal authority to collect it.

Furthermore, as CREDENCE RESOURCE MANAGEMENT is not the original contract holder, I am under no federal obligation to pay them anything. The FDCPA ( 15 U.S.C. 1692e ) prohibits false, deceptive, or misleading representations in the collection of debts, including misrepresenting their right to collect this alleged amount.

I request that the CFPB take immediate action to investigate XXXX XXXX XXXX conduct, as they are engaging in potentially unlawful debt collection practices. I ask that this company provide documented proof that they have a valid claim to this debt or cease all further collection attempts. 

I appreciate your attention to this matter and look forward to your response. Please inform me of any steps I should take to ensure this issue is resolved in accordance with federal law.
Product: Vehicle loan or lease

On XX/XX/XXXX, I went on-line to pay off my Bank of the West boat loan. I requested a payoff amount and received a balance of {$1800.00} which I paid in full. 
I never received any other information from Bank of the West and believe I did not receive my boat title. 

In XXXX of XXXX I received a notice regarding the boat loan ( # XXXX ) that there was an additional {$110.00} due towards the balance. I called on numerous occasions since that notice and spoke with several representative including the " Executive Relations '' personnel but no one could explain what these charges were for. No one from the Supervisory team nor the Executive Relations Dept. have called me back with any pertinent info. 

On XX/XX/XXXX I received a notice that my " balance ' was charged off - I have confirmed that a negative comment was made to my XXXX report and this has greatly impacted my one stellar credit score. I have disputed this twice with XXXX with no resolve. 

On XX/XX/XXXX I wrote to the CEO of Bank of the West ( XXXX XXXX XXXX ) but have have received no response.
Product: Mortgage

Due to close on loan XX/XX/XXXX. Finished final contingencies in loan for full approval XX/XX/XXXX. Signed docs and wired money in XX/XX/XXXX and XXXX {$110000.00} for down payment. Loan never funded XX/XX/XXXX blamed being short handed from Covid. Extended close to XX/XX/XXXX. My lender quit during this period. Contacted owner of lending company via texts and emails why I didnt close XX/XX/XXXX. Owner of The Home Lending Group, XXXX XXXX admitted via text his lines of credit were suspended two weeks earlier. Two weeks before my close he still had me go through approval process knowing he couldnt fund it! Contacted him daily until XX/XX/XXXX, I realized I had been defrauded and I started contacting attorneys about this situation. Scrambled to find new lenders to help me close in a timely fashion without the sellers backing out of deal! Meanwhile I made financial obligations to people in regards to work to be done once closed. There are many others that lost their homes due to not being funded. Lenders never got paid. People displaced/homeless!! Some of the evidence provided are from the texts XXXX sent to my realtor XXXX.
Product: Money transfer, virtual currency, or money service

Through use of the Binance.US IOS mobile app, on XX/XX/2021 at XXXX EST, I authorized a {$600.00} USD ACH purchase from my XXXX XXXX account for a purchase of XXXX XXXX token, although I was double charged for this transaction of {$600.00}. 

My XXXX bank account received two ( 2 ) ACH debits of {$600.00}, totaling {$1200.00}, whereas my Binance account was credited only one ( 1 ) {$600.00} deposit, totaling {$600.00}. 

Upon noticing the completion of two ( 2 ) ACH debits within my XXXX XXXX account and understanding there was a double-charge of {$600.00} I then requested XXXX remove XXXX transaction to correct my bank account. 

Please note - I also took immediate action to notify Binance.US prior to resolving with my XXXX XXXX. I still do have an open support ticket # XXXX, which still has yet to be addressed. 

I find it important to note that Binance.US provides no support whatsoever. They do not list any working customer service line and any email or support inquiry goes without response. Recently i've uncovered dozens of individuals whom still have outstanding support requests from months ago, and with several hundreds or thousands of dollars either improperly frozen or removed from their account. Additionally, upon reaching out to Binance.US 's XXXX account to inquire about support issues they immediately proceeded to block me for no reason. It's fair to say that I am concerned with my account being abused or hijacked by the company and then having no channel to rectify the issue. 

I kindly ask for assistance in investigating their misconduct and that Binance.US take the appropriate action in reviewing my Binance.US account 's deposit history. They will easily see that I have only received one ( 1 ) ACH deposit of {$600.00} into my Binance account, to which Binance has received one ( 1 ) {$600.00} ACH deposit from my XXXX XXXX account. There is clearly no outstanding amount due to Binance and I request that my account can proceed as normal. 

I've attached documents to refute my claims. Please advise upon receiving feedback, Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up to my prior complaint on XX/XX/XXXX. There are items in my credit file that are erroneous and needed attention. please block or remove these items in my file : 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 XX/XX/XXXX The addresses listed are not my home address, The account is inaccurate and fraudulent. Im seeking Litigation. The inquiries are unauthorized and fraudulent. Please delete the items at once.
Product: Credit card

I saw a promotional offer on my American Express credit card to get cash back for XXXX subscription. I enrolled in XXXX XXXX on XX/XX/XXXX, which gave me a 7-day free trial as a new customer, so the first charge occurred on XX/XX/XXXX. Although the Amex offer expired on XX/XX/XXXX, I did not think it would be a problem because there was a line explicitly saying If you are a new customer receiving a free trial, you must be enrolled in the free trial prior to the campaign end date to qualify. This line made believe that AMEX was aware that there is a free trial period and I would be fine as long as I enrolled in XXXXXXXX XXXX before the offer expired on XX/XX/XXXX, which I did enroll and sign up for XXXXXXXX XXXX on XX/XX/XXXX. And yet, AMEX declined to honor the offer and I did not get any cash back. I contacted AMEX first via online chat on XX/XX/XXXX, and then again on XX/XX/XXXX, and then called them on XX/XX/XXXX for 1 hour and 18 minutes. Each time I had to explain the situation to the representative all over again. There was a lot of frustration that they insisted that I can not get the rewards because first charge occurred XX/XX/XXXX, when the offer expired XX/XX/XXXX. And each representative declined to recognize that I should have been qualified because I enrolled XX/XX/XXXX before the offer expired according to their own marketing material.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus addresses. 


These are the accounts in my name that stems from the identity theft : XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX. ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT XXXX XXXX A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer XXXX credit report now contains fake accounts as a result of this Identity Theft. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses. The aforementioned accounts as reported, are unfamiliar to me. The Accounts listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX XXXX and A Police Report # XXXX XXXX XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts listed above are all the product of fraud and identity theft.
Product: Student loan

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I tried logging in to make my payment. The website will not let you log in, it just loads a white page with nothing on it. I have used 3 different browsers and tried incognito mode. I looked online and this is a widespread issue causing people to be late on their payments when it is not their fault, it is the companies broken site. I tried calling during business hours and I only get in an automated loop and never speak with some one. 

I do not want a late payment on my credit report because this company is terrible at their only job - servicing loans.
Product: Debt collection

I am writing to dispute and request an immediate investigation into certain items on my credit report, which I believe are reported inaccurately. After reviewing my credit report, I have identified discrepancies that are causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into these matters and provide me with the results in a timely manner, as required by law. If any documentation or clarification is needed, please inform me promptly. The following items require your immediate attention : XXXX  XXXX XXXX  and XXXX XXXX XXXX. I do not recognize this public record, and it is not associated with me. Reporting this item is erroneous, and I request its immediate removal from my credit file. This inaccurate information is detrimental to my creditworthiness and must be corrected : US BKPT CT CA XXXX XXXX XXXX Filed on XX/XX/2017. Failure to address and correct these inaccuracies within the stipulated timeframe will leave me with no choice but to pursue legal action to rectify the harm caused by these reporting errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX CAP XXXX NA XX/XX/XXXX CAP XXXX NA XX/XX/XXXX
Product: Debt collection

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX U.S.C XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX XXXX. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.
Product: Vehicle loan or lease

To whom it may concern, credit acceptance, as of XXXX of 2020 during the COVID pandemic, they added on higher interest rates to the loan, they're was know help at all, They repo my vehicle, I borrowed from friend to get of out the yard the shiped to, then when I got the truck back next note add on more interest, was not trying to help. My mom loan she had, loan they took a year off the loan and drop the interest rate, I ask credit acceptance for the same service they said know, week later came picked up the vehicle again stay in that yard for XXXX weeks I didn't have the money, they added more interest rate when I got it out, They are not nice at all they try help, all about money to them. I wish they give back all that extra money they took high interest rates and extra fees not fair they don't care, they very heartless
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that they sent the statement to the wrong address that caused the late payments to be incorrectly reported. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 


XXXX XXXX  XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian leak my social security numbers how can I get these things of my credit report and possible sue
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent three letters to the three credit bureaus experience, Equifax and XXXX XXXX about my credit reporting fraud accounts.
Product: Credit reporting

Equifax is reporting unverified accounts on my credit report. This is in violation of Section 609 of the Fair Credit Reporting Act. which states that all account contracts need to be verified.
Product: Credit card or prepaid card

DO NOT BUY ANYTHING FROM BEST BUY I purchased an electric oven from Best Buy on XX/XX/XXXX. 

They sent me a receipt with a charge for {$1000.00}, but they charged my credit card {$1300.00}. 

When I purchased the oven I added a service called Totaltech, which costs {$190.00}. It is a protection service and offers help with appliances. 

When I received the oven ( XX/XX/XXXX ) I saw for the first time the oven company warranty, which included the services I was interested in. The warranty is not available on the site for the oven at Best Buy. 

On XX/XX/XXXX, I contacted the company to cancel Totaltech service. They told me that my receipt did not include the service and that I didn't have it. Another agent told me that I had it but had been canceled. Attach you will see the receipt that I got and the charge on my credit card. 

I don't care whether I had theTotaltech membership or not. I want my money back : {$190.00} and whatever taxes or charges were tagged along. 

I want them to refund me the difference between the charge on the receipt and the credit card charge. 

They are a horrible company with thousands of complaints at the XXXX and for some reason, they have an A+ rating. 

They keep sending me from one agent to another and making me wait for hours. I did manage to talk to an agent yesterday who said he could not make sense of the difference. He said that he would escalate it. Attached ( last photo ) is also a photo of the " chat '' I started at XXXX XXXX today ( XX/XX/XXXX ) and the current time at the top is XXXX XXXX. That is how long I have been waiting for an agent to show up. 

I have read complaints at the XXXX of people trying to get their money back still after a year. I don't want to deal with this for that long.
Product: Debt collection

last reported XX/XX/year> by IC SYSTEM. 
Asked them to provide the original debt with my signature, they were unable to provide this, or the account number for this account. I asked them to provide what type of debt it was, and they were unable to provide that information to what the debt is.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report states that on XX/XX/2020 Syncb preformed a Hard Inquiry into my credit file. I do not recognized nor recollect ever authorizing Syncb to preform this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX to publish my applications and help in finding a job, I was completely aware that there would be a back ground check done and when the results came in they denied me any futher help and would not be submitting my applications, but they are doing this based on a misdemeanor charge in North Carolina that i am still going to court over and i feel that it was not fair to deny me of any chance of employment on something that has not even been charged on me. My next court date is in XXXX and i was cleared in every other part of the back ground search. so if i am going to be judged on something the court has not even found me guilty of I think this is very unfair and I would like a refund of my money and I will be putting a review on yelp and any where else possible because I am being judged very unfairly by this company over something that i have not even been charged with in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my free credit report and there is a credit card ( XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX ) that shows a {$5000.00} balance as of XX/XX/2018 ( from {$130.00} ). I have no recollection of ever making such a huge charge, ever receiving any billing statements showing these charges.
Product: Credit card

Credit card was Opened in my name from JPMorgan through Chase. It was a sapphire credit card. Chase removed card from my account. Opened a dispute through transition due to this being a hard credit inquiry. Would like this inquiry removed from my credit.
Product: Debt collection

This bill was covered by XXXX XXXX  XXXX XXXX XXXX but the Collection Agency somehow got my information and says I need to pay {$740.00}. 
The actual bill was {$540.00}. XXXX XXXX  paid this as I was unable to pay it due to not working. 
I have tried several times to resolve this and I got threatened with a lawsuit and I was told they will place it as a collection. 
I called again and I was hung up on 4 times in 1 week Please help me remove this as this collection agency is very vicious and unconcerned to resolve my issue even after they got a letter from XXXX XXXX stating this debt was paid as XXXX XXXX