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

I have a credit card with Chase Bank ( JPMorgan Chase & Co ) known as the XXXX XXXX Card. In XXXX of XXXX I used this card to update my payment method for my XXXX subscription. At the time I made that change I received a notification within the XXXX app that there was a benefit for using this card for 1 free year of subscription for the XXXX offered by XXXX. 

I subsequently looked at the benefits of my card through Chase 's website, through the card benefits link for that card and verified that the benefit shows as " activated ''. 

Today XX/XX/XXXX I was reviewing my statements and realized I have been charged the {$9.00} subscription fee for each month since XXXX of XXXX ( inclusive ), currently 5 months of charges which were supposed to be free. Upon calling Chase to rectify the situation they informed me that a one year complimentary XXXX was not a benefit of the card. 

Additionally, Chase informed me that such benefit was a benefit of another credit card product which I just recently obtained. However, the activated benefit for the XXXX XXXX indicates that it is good through XX/XX/XXXX. This would be one year from the time it was activated. If Chase has ceased offering this benefit for the XXXX XXXX Card they need to honor those that already enrolled in it or at a minimum provide a notification that it was discontinuing. 

I am attaching screen shots showing the benefits of my card. I believe this constitutes a UDAAP violation to promote a product with benefits that don't actually exist or can't be obtained.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I authorized two transactions of {$1000.00} each for a total of {$2000.00} to My XXXX XXXX for educational courses. I was kicked out of the program in XXXX of XXXX and not given a refund. In XX/XX/XXXX, it was revealed the school was operating illegally. I reached out to chime to file a dispute for my money on XX/XX/XXXX I received an email the same day telling me my dispute was closed and they denied my claim and I could review the documents they used to determine the decision but there weren't any sent with the decision email. I called on a couple of occasions and got a run around about how I should have the documents. On XXXX XXXX, XXXX I called to ask for copies of the documents and was told another dispute would be opened. A few days later I received the chime document attached to this complaint.
Product: Debt collection

I have a medical bill from XXXX XXXX XXXX from XX/XX/16. They never sent the bill to my medical insurance provider, XXXX XXXX XXXX, which they are legally obligated to per their contractual agreement. Since they are in-network they are required to submit the claim but they never did and instead sent me to a debt collector to try and get me to pay the full bill which I am not legally obliged to pay.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found an item on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately!
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report, which I believe is inaccurate. This dispute is made under the provisions of 15 U.S.C. 1681o, which holds entities liable for negligent failure to comply with the Fair Credit Reporting Act ( FCRA ). 

I request that you conduct a thorough investigation into this matter and correct any errors in my credit file. I am entitled to dispute inaccurate information under the FCRA, and you are obligated to resolve these discrepancies in a timely and accurate manner. 

Please provide a written confirmation of your investigation and the steps you take to resolve this issue. If you fail to correct the information or provide adequate evidence supporting its accuracy, I may consider this a violation of the FCRA, as outlined under 15 U.S.C. 1681o, and I will pursue further action.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Student loan

I believe Mohela is incompetent in their handling of student loans. I applied for the SAVE plan for my direct loans. I was approved and had been on SAVE, but I randomly logged into my Mohela account, and they switched me to Level - the highest, most expensive repayment plan. Multiple people have been having this issue and it is impossible to reach customer service rep. I have been on the phone for over 2 hours and unable to talk to anyone.
Product: Student loan

I am completely confused as to what is going on! This is in regards to " Student Loan ( s ) '' that is apparently, now in " Default '' and has been put on my Credit Report. Prior to the Pandemic, the government KEPT my Tax Returns ( XXXX, I believe ) which, I was fine with. When the tax returns were kept, I was NO LONGER in debt. Then, during the Pandemic, I received a check for appr. {$900.00} stating that I " over paid in interest ''. Well, I therefore did " whatever '' w/the funds, as I was NOT working due to my work closure. I have submitted things to the Federal Government a a couple of occasions W/O response. I have now received a message from a Credit Report stating that my Credit Score has DROPPED OVER XXXX pnts!! From what I am able to tell, this is over a few XXXX dollars? I am beside myself that someone is ruining my life over this. UNACCEPTABLE! 

Unfortunately, looking at the site, it is VERY CONFUSING. 

PLEASE HELP!
Product: Credit card or prepaid card

This complaint is for XXXX XXXX  and XXXX XXXX ( Referred to as XXXX ) related to their payment management system. XXXX  provides store cards for several retailers such as XXXX XXXX and XXXX XXXX. Following is related to XXXX XXXX card : One of the  limitation of their payment management system is that one can not schedule an automatic payment like other credit card companies do. As a result, if one forgets to make a payment then they charge you a late fee. When you ask the customer service why there is no option to schedule automatic payments, their response is that they do not have the ability. When asked to waive the fee they respond that they can waive only once a year ( rolling 12 months ). 

I feel that by not providing the ability to schedule automatic payments is unfair. I spent almost 81 dollars in late fee in 2018, which would not have happened if there was an ability to schedule automatic payment. Please let me know if my complaint is reasonable. 

Kind Regards, XXXX
Product: Money transfer, virtual currency, or money service

Cashapp, account closure for no reasons given and repeated hackers attempt XXXX XXXX XX/XX/XXXX Cashapp account : XXXX XXXX
Product: Credit card

I booked a full-size SUV through Dollar rent a car. Upon arrival at Dollar in XXXX XXXX, there was no full-size SUV available. 

Eventually, the Dollar representative, through her manager, offered an upgrade as compensation. I was allowed to take the vehicle for XXXX USD per day instead of the XXXX USD per day that I had already paid to XXXX ( partner of Dollar rent a car ). This adjustment was supposed to be made upon returning the vehicle, and nothing would be charged to my XXXX. 

I also see that an upgrade charge has been applied, but this was not agreed upon. I have been trying to explain this to dollar for a month now. 

The woman at the counter informed me that this charge would be offset against what I had already paid to the partner where I booked the car. The upgrade was free of charge because there were no cars available in the category I had booked. She said it would be cheaper to do so. 

When asked to sign, the device only shows the rental number and nothing else. You only see what you signed after the fact. 

Now I see that I have paid XXXX USD to Dollar + I already had payed XXXX USD to the partner. The Dollar representative mentioned that the final difference would be XXXX USD in my favor. The partner also confirmed this was misleading by Dollar rent a car. 

Who in their right mind would suddenly pay double when picking up the car? 

Dollar Rent a Car is not being helpful and is only sending back a few words in response to my complaint.
Product: Checking or savings account

I've been filing complaints relating to fees charged to accounts opened as a result of Wells Fargo high-pressure sales tactics in order to boost profits for their executives, I requested a refund of remaining fees and was denied recently. It appears Wells Fargo rather remedy the issue than resolve it by providing small refund amounts of {$50.00} and most recently, {$120.00}. As I've explained and according to what the attached statements show, these remedy amounts do not cover total fees, namely overdraft fees, which I was charged a total of {$870.00}. I was refunded a total of {$260.00} thus far. This refund total includes {$85.00} received from Wells Fargo settlement pertaining to their high pressure sales tactics. I requested a refund in the amount of {$610.00}, remainder of fees, in a prior complaint as well as through Wells Fargo mediation solicitation received recently, have not heard back in reply to my request. However, I was denied refund through complaint, their medication dept has not gotten back to me as of yet. Further, I requested an accounting of fees charged to said accounts, it does not appear my request was honored. I believe my refund request in the amount of {$610.00} is fair, not including monthly maintenance fees. This is a final settlement amount which will resolve any and all claims/complaints related to and thereof, failing to honor this request will result in additional complaints filed through other agencies.
Product: Mortgage

I have a mortgage on my home that has been sold three times. Most recently to a financial institution named MR COOPER. The terms in my mortgage has no escrow accounts attached to include payment of taxes and insurance. 

Mr Cooper has engaged in unfair and deceptive acts by reasons for paying the taxes when no amount was due. Mr Cooper reported to me that my mortgage payment has increased almost {$500.00} to cover an escrow account they opened without my consent or doing I have spent days on the phone dealing with this Aweful financial institution in stopping this. The funds they paid to pay the taxes were returned by the taxing authority.

I believe this act could potentially destroy my outstanding credit score when I refuse to pay the escrow amount they attempt to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting late fees when their phone and website refuse to allow me to pay! I had set up auto drafts and they never set it up appropriately! 

Should be removed XXXX XXXX XXXXXXXX appears to be a false flood of old information 4 yrs ago no one has ever heard of them! My old doc in XXXXXXXX never worked with them XXXX XXXX XXXX XXXX XXXX No record all paid up doc number directly XXXX XXXX XXXX XXXX called me to say he dont use them and I dont owe! Yet Ive disputed this and called collection of XXXX Numerous times XXXX. Look up their phone This lawyer said he would help and send a letter but he is just as much as any of no good XXXX XXXX XXXX Please get the two charges off my credit file ASAP {$250.00} and other fee account shown separately never owed insurance paid out XXXX!
Product: Money transfer, virtual currency, or money service

block inc is the company I had a account with and they close my account with no reason. but I violated community guidelines. they also is know as cash app. People whose accounts were accessed without their authorization or who had fraudulent withdrawals or transfers can file claims, provided they had or currently have an account between XX/XX/XXXX, and XX/XX/XXXX, according to the settlement website. 

The class-action pointed to a XXXX incident the company disclosed in XXXX, in which a former employee downloaded reports of some U.SXXXX users without permission. It also noted another breach, disclosed in XXXX, where an unauthorized user accessed some Cash App accounts using phone numbers that were linked to them. 

Plaintiffs also alleged that Cash App and Block, the app 's parent company, failed to install controls to block unauthorized users and that the company then mishandled customer complaints about the security breaches and fraudulent transactions. 
my account was $ XXXX. 
I lost my car and home because of this so pain and suffering needs to be installed on.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX   Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 Date XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Product: Debt collection

I have received XXXX call from the company in the last XXXX days.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Account charged off. {$380.00} written off. 

XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$240.00} Status Open. {$240.00} past due as of XXXX XXXX. 

XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$63.00} This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. I have also attached Official document from the state of Florida that proves i was incarcerated during the time that these accounts were fraudulently opened. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus dated XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Student loan

Wanted to get into repayment. Filled my information out to Federal Aid back in XXXX. Never got a response back from them and tried calling them and stayed the phone on hold for 2-3 hours and gave up. Sent a email to them and they said I needed to upload my income information. I provided them my income information through their uploading and once again I never heard anything from them. I then went back to Federal Loan Student aid and filed for the SAVE plan and once again I never got a response from aidvantage. I then went through a company called XXXX that handles the application process for IDRs or any repayment plans and submitted that application and it got sent to aidvantage once again. I then message them three days ago and once again no response. 

The biggest problem I am having and they dont even have what I need to paying in their site. When I log into aidvantage it doesnt even tell me that I owe anything when I look into the details they keep saying that they are for the application. The final straw was they started accruing interest in my student debt which I lost points of my credit because of that. Also the account that I have with aidvantage was not even created by me. It was by a third party who put my loan in forbearance a few years ago pretending to say that they were actually the department of education when they wasnt. 

So imagine going through what I am going through right now which is literally zero information and with zero ability to do anything about it and getting punished. It is actually getting to the point where I need to talk to a lawyer as aidvantage is purposely halting federal loan applications so they can accrue more interest on top of my student loan as I am just waiting to see what I actually owe per month based off the save plan I chose. 

Hopefully this all makes sense and I really need help on this.
Product: Debt collection

Some debt collection are trying to collect money from me theyre called National Credit Systems . I have never signed any documents, contract, or even agree to pay anything from them. And it is hitting my credit very hard
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been compromised in the Equifax data breach. Hackers now have all my information, including name, social security number, and birth date.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this complaint is the let the CFPB know that Experian and XXXX have violated my right under FRCA and Fair credit and billing act. I have sent numerous letter by certified mail requesting full validation and the creditor right to collect on these XXXX accounts that I have no knowledge of the XXXX name accounts are XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX  Account number XXXX. Please ask the bureaus to send the requested info as I have the right to know under these two laws