23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX, I sent a deferment and cancellation request form to XXXX XXXX. They sent back a request via email requesting a letter sent from my employer indicating which school. I sent the letter back to Heartland right away. First of all, the instructions for sending the letter was horrible. It did not tell what information to include in the letter or if anything needed to be sent along with it. I sent the letter the same day I received the email from Heartland. I never received another email from them until XX/XX/XXXX. I went to my account only to discover that I  received a billing statement saying my payment is due XX/XX/XXXX. I contacted Heartland to see why I was receiving a statement and the lady told me that they did not receive the letter I sent. Mind you nothing in my account shows when I submitted the request or that they had sent an email requesting for more information. I did not receive another notice. The representative told me that I would need to submit paperwork again because it had been longer than 30 days. Really?? I asked if I could send a copy of the letter and was told no. The communication with this company is horrible. Why could I have not sent it electronically? They accept nothing electronically but they sure do send out all notices electronically.
Product: Checking or savings account

On XX/XX/2023 I was leaving the doctor with my son when I received a message at XXXX stating that my phone number associated with my chime account had been changed. I immediately went to my chime bank app where I noticed that I couldnt log in. I called chime customer service at XXXX to get my account back. When I got connected They requested me to send photos of me holding my id to get into my account. I sent the photos to the chime email immediately. Chime then sent an email to let me reset my password. I logged into my account and noticed XXXX unauthorized transactions. The XXXX transaction was on XX/XX/2023 at XXXX for an amount of {$530.00}. The XXXX  transaction was on XX/XX/2023 at XXXX for an amount of {$1900.00}. Both purchases were purchases that I didnt authorize. The purchases were from a XXXX XXXX in XXXX XXXX but it didnt show the exact location. I called chime customer service at XXXX to file a dispute. When we were on the phone they told me that I wouldnt be able to dispute it yet because the transactions are still pending and would take up to 7 days to settle. I called chime customer service on XX/XX/2023 when the transactions settled and filed a dispute at XXXX. They told me they would look into the investigation. On XX/XX/2023 at XXXX I received an email stating that my claim was closed and no funds would be credited to my account. I then called chime customer service on XX/XX/2023 at XXXX to reopen my dispute. While we were on the phone they requested me to send any proof that I had to their email and I did so. Chime reopened the investigation. On XX/XX/2023 at XXXX I received an email from chime stating that the claim is considered closed and no funds would be credited to my account. I then called chime customer service on XX/XX/2023 at XXXX to try to reopen the case. They then told me they would send me another email to upload photos with more proof. I havent received an email.
Product: Credit card or prepaid card

I recently received mail from Discover stating that I owe a balance and I want to dispute this claim because Ive been out of state for over a year and I also have a letter from a former employer stating that my personal information has been compromised, I also dont live at that address that they have on file as well so I want to dispute the fees that they are stating in the letter that I received. I havent use my card in almost a year. As I mentioned, my personal information was compromise, and I believe somebody has been using my credit cards, which is fraudulent activity.
Product: Debt collection

On XX/XX/year> I made a payment to XXXX XXXX in the amount of {$450.00} to settle an outstanding debt with Jefferson Capital Systems. I received a confirmation email from XXXX XXXX stating that this payment would settle and resolve my account with Jefferson Capital Systems. 

The account was updated on my credit file but only reflects that I made a payment of {$450.00}. The account is showing I still owe a balance of {$840.00}. This is incorrect per my email from XXXX XXXX. I tried reaching out to true accord who told me I needed to speak with Jefferson Capital. I was unsuccessful reaching anyone on the phone at Jefferson Capital so I submitted a dispute with the credit bureaus. This dispute was rejected by Jefferson Capital.

It has now been over 90 days that Jefferson Capital has been falsely reporting on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed, however, the account payment status is late. The account payment status CAN NOT be late on an account that has been already closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update the account 's information : XXXX XXXX
Product: Money transfer, virtual currency, or money service

Due to the pandemic, many people are using virtual forms of payment to transact business. I was under the impression that I was working with the owner of a home to rent out the home. The person I was in contact with provided an online application form, a lease ( fraudulent ) and wanted to use a bank bill payer application to set up payment for 1st month rent and deposit to initiate an immediate move-in date. Since I was using my " bank '' bill payer, I thought that I would be able to rescind the payment in the event something went wrong. I was unaware that XXXX via Chase Bill payer would not be considered an FDIC insured option since XXXX is not part of my bank 's products. 

Chase has informed me they have no recourse and that filing a claim would not be granted. XXXX only refers me back to my bank for assistance, which is not helpful. I am at a loss of {$1800.00} and am unable to secure a place without these funds. 

People are using the pandemic social distancing and our aversion to potential exposure as a way to commit fraud. Not knowing much about mobile banking, also creates a big problem since we are under the impression that our money in the bank is safely protected when we are transacting business. Had I known I was exposed, I would have not used that option and probably not gotten scammed since I wasn't willing to use any of the other " cash app '' type applications for this very reason. Beware of all things mobile ask your bank first or be left hanging out to dry.
Product: Credit card

I have been getting my card stolen from a person from my XXXX XXXX that is a mutual of mines. At the time I didnt know who it was but I found out later on, I kept getting my card stolen by him and he would text from an anonymous XXXX blackmailing me, I would report fraud and get refunded and this would happen a good handle full of times. The situation here is that discover had enough of the fraud reports, so 2 fraud claims are not being refunded leaving me with the debt of balance I was left responsible for that I did not do. I tried filing a police report and the issue has not been yet handled, I knew who it was than I tried to reconcile with the person but he had just blocked me and went off the grid even my friend doesnt know where he is at. Its been over a month and I just want my card balance to be XXXX again! Please help me with discover to get it refunded.
Product: Debt collection

Portfolio Recovery Associates violated my rights! I received a letter in the mail in regards to an account you are attempting to collect a debt for that originally belonged to XXXX XXXXXXXX XXXX  XXXX. Pursuant 15 USC 1692g a notice to dispute the validity of the debt was not issued. Portfolio Recovery Associates violated my rights by furnishing information on my consumer report with the intent to coerce payment in the amount of {$460.00}. 
I am demanding Portfolio Recovery Associates to send me a forward flow agreement which will be all the information needed to determine if they have the legal right to collect on this account that XXXX XXXX XXXX XXXX charged off. Portfolio is furnishing information on a debt was charged off with the intent to coerce payment.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$490000.00} XXXX  XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$93.00} XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$1000.00}
Product: Mortgage

Sn servicing has collected money towards maintaining an escrow account to pay insurance and taxes. They have yet to make any payment to our insurance company, and as a result the out was canceled effective XX/XX/XXXX. XXXX reached out to them multiple times requesting payment, with no response. In XX/XX/XXXXXXXX  the mortgage company claimed not to find any information on the insurance policy, and I sent them emails with all of the relevant information. Yet they apparently never made a payment.
Product: Mortgage

I received an email from LoanCare saying that I needed to log in to their website to update mortgage information. At the time I believed it to be a phishing attempt, as I my mortgage is currently held by XXXX XXXX, and I had never heard of LoanCare. After researching further I found they were a legitimate company and updated my insurance information online. They kicked it back saying it was incorrect, so I updated online again and then followed up with a call. I received a condescending letter today, telling me they had cancelled an insurance policy they purchased on my behalf and to make sure I kept them posted with my insurance information on an annual basis. I had never heard from my mortgage company in the first place, their subcontracted company ( who already had my insurance policy info as they were able to tell me there was an error ) requested that I update information on possibly the shadiest looking website I 've ever seen, and then purchased an insurance policy without notifying me either through email, letter, or phone call. The whole system reeks of a scam, from the intentionally sketchy webpage, to the lack of straightforward communication, to the fact that they already had my policy information ( as it did n't change ). It seems as though they are looking to take advantage of people not being proactive enough to do some research on who LoanCare actually is. Without too much speculation, I would imagine there would be some sort of financial motivation attached to them finding a policy " on my behalf ''. I would greatly appreciate if someone would look into their predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported a debt of XXXX to the 3 credit bureaus and this is from XX/XX/XXXX XXXX XXXX. I have tried calling them. No success. This is my daughter account who live in XXXX. I have no problem paying g XXXX it was reported under the wrong ss # and need to be removed. All 3 credit bureaus have my XXXX ID and address. From XXXX to present. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have been paid and settled. I have disputed these accounts to ask the credit bureaus to update the status correctly and the bureaus have not. I have reached out to the original agency to ask them to send an update to bureaus which did happen but the bureaus have not updated.
Product: Credit card

Navigating the world of credit card disputes can be an overwhelming experience, especially when dealing with a bank that seems more intent on putting up hurdles than providing solutions. Let me share my ongoing ordeal with Bank of America, a once reputable institution now leaving me in a constant state of disbelief and frustration. 

The story begins with a XXXX XXXX cruise that my family and I eagerly anticipated. Unfortunately, circumstances shifted when the merchant canceled our booking at the last minute, claiming the room we initially secured for {$5900.00} was unavailable. They promised a full refund for this canceled booking, assuring us it would arrive within 10 business days. This unfortunately led us to hastily book a different, less desirable room over the phone with another card.

As the days turned into weeks and eventually months, the anticipated refund never materialized. Five long months later, I found myself ensnared in a labyrinth of evasive communication and bureaucratic red tape with Bank of America, the bank supposedly safeguarding its customers from such issues. I initiated a dispute process with them, optimistically believing they would be my advocates. Yet, each step has revealed itself to be more arduous than the last.

From the outset, my interactions with Bank of America have been an exhausting game of back and forth. I meticulously compiled and submitted around 30 pieces of evidence as they requested, only to face incredulity and rejection time and again. Even when I presented exactly what they asked for, a week would pass and the call would come '' it can't work. '' One of the banks most perplexing contentions was rejecting my new booking confirmation showing all pertinent details including names and a full itinerary, claiming it wasnt sufficient proof I used a different card. This neglection led me to offer my bank statement showcasing the precise charge amount for the second booking. As expected, more dismissiveness followed ; they speculated that the charge reflected onboard services.

Dismayed yet resolute, I provided the complete onboard statement from my cruise and accompanying bank transactions, aiming to eliminate any discrepancies. Despite my painstaking efforts, I was met with silencea dispute seemingly closed without even a whisper of explanation.

Through this odyssey, Ive learned that navigating a refund dispute is a tedious task that requires patience and persistence. Yet companies like Bank of America must strive to refine their processes, ensuring they truly serve their customers ' best interests. It is my hope that sharing this experience will resonate with others and encourage better service industries to prioritize proficiency and empathy.

" Help '' is what I seeka beacon of hope guiding me toward resolving this entrenched issue. Until then, my journey with Bank of America serves as a cautionary tale and a call for change.
Product: Debt or credit management

I have been getting anywhere from XXXX to XXXX calls daily from this company. I had a payment plan set up, which was revised. However, they have not been submitting requests to my bank for payments. Originally, the payment plan was initiated XX/XX/year>. Payments were made until XX/XX/year>. Payment information was updated due to fraudulent charges on the initially provided bank card. They have not attempted to collect payments since then. I went to their website again on XX/XX/year> and made a payment. This payment has not been presented to my bank. I feel that they trying to force me to make larger payments than agreed upon or to pay off in full. Today, XX/XX/year>, I attempted to go to the website to investigate payment history, and to see if payment had been documented. I now can not look at the history.
Product: Credit reporting or other personal consumer reports

I had an account with XXXX that was a 30 day trial. If I didn't like the service as long as I returned the equipment back I would only be charged the first month 's bill. I sent the equipment back and they still try to charge me XXXX. I refused to pay that because that wasn't the agreement. They then sold my account to Jefferson Capitol System who then tried to collect. I have requested that they send me something that has my signature and information where I agreed to Pay them that amount. And where I owed them XXXX the have never sent me anything. I will not pay XXXX for equipment I do have that XXXX received back. I have tried to dispute this with experian and literally they say it's accurate and it's not I get a response in less the 24 hours. Then I dropped off my credit report then the turned around and reinstated it back on my credit report which cause my credit to drop
Product: Checking or savings account

I had an E-Banking account at Bank of America for a few years. It was a free checking account with no minimum balance requirements and no monthly fee. I was receiving online statement notifications until XX/XX/XXXX, and then there were no email notices again until XX/XX/XXXX. During that time, BOA claims to have changed the terms of my account to a Core checking accounting with a $ 12 monthly fee. I had {$20.00} in the account for many months with no fees, as I was not using the account due to an inoperative ATM card. I contacted the bank by phone and I went to bank in person to try to get a working ATM card, but I never got one that worked. Then, around XX/XX/XXXX/XX/XX/XXXX, BOA started charging my account {$12.00} per month, until it became a negative balance. They took my money without notifying me of the change of terms. I checked my emails and there was no notice. I did not receive a paper statement, either, until XX/XX/XXXX, at which time the bank sent me a statement showing my account has been closed. Since they closed my account, I can not log into the online portal to look for any notices or the account history. I think that they should allow me to have access to the online period for several months after closing the account so I can check the records. I called BOA to try to get my money back, but they said they would not give my money back since the account was now closed. I told them that I did not receive notification of the change in terms, and the representative said he did not believe me. He said the balance was insignificant, at which time I reminded him that it was my money and it is important to me. He said it is the customer 's responsibility to read the notices. I reminded him that I did not receive any notices and I said that the bank should make more of an effort to notify people of such a significant change. I want to get my money back and I want to make sure they can not do this again to other people.
Product: Student loan

I called to try to get my payment lowered because my hours were cut back at work and they only gave me the option of forbearance and told me that if they did anything with my loan, they would raise the monthly payment. I have paid my payments on time for 9 years and they offered no help or options when needing to lower my payment.
Product: Debt collection

I was never sent any communication regarding a debt that I was claimed to have owed. I did not receive any info from this company until my federal taxes were offset. When I was made aware of the situation I contact the XXXX  and was provided this company 's information. I contacted them and verified the debt and that was back in XXXX. I have since been attempting to make a payment arrangements on said debt but it is nearly impossible. They ask for information that I have mailed to them, three times. I had not heard anything back so I called them to see what was going on and was told that I had until XX/XX/26 to provide the information that they already have. The csr 's are of little to no assistance and it truly should not be this complicated to pay a bill.