23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Over the last 7 years I have paid American Education Services upwards of {$29000.00} [ proof attached ], and only {$6800.00} of that money has gone to the principal balance. On top of that, I've paid XXXX   upwards of {$22000.00} and my principal balance has only gone down by about {$2000.00}.

I have called American Education Services MANY times over the years. Just last night, they told me that they are just " servicing '' my loan. And that in order for me to speak with my lender - XXXX XXXX XXXX, I need to write the company a letter ... which American Education Services will send over on my behalf. AES refuses to connect me directly to XXXX XXXX XXXX to allow me to discuss the exorbitant amounts I'm paying -- which are not being applied properly. This feels like a complete scam. There's no reason why they shouldn't let me speak to XXXX XXXX XXXX  on my own.

This is an absolute injustice. I've been DROWNING for the last seven years and working so hard to pay off these loans, and I am seeing no movement. I'm hoping that the actions I continue to take will help bring to light how awful and abusive these companies are. It's completely unfair that these big companies can get away with overcharging young adults who are simply looking to improve their lives by attaining an education.
Product: Debt collection

Hi.Legal recovery law office representing XXXX XXXX got a default judgment on a credit card debt in XX/XX/XXXX. They had a XXXX  XXXX  and started wage garnishment immediately. On XX/XX/XXXX I received a letter from XXXX XXXX of XXXX and XXXX. stating that that they are now representing XXXX XXXX with still a balance of {$9700.00} and the last payment they received was in XX/XX/XXXX. ( Wage garnishment started in XX/XX/XXXX and is still ongoing ). I have on numerous occation asked for a payment history but they keep sending the original Judgment. I believe either the judgment has been paid or being closed to being paid off. I would like The XXXX XXXX of XXXX and XXXX to provide some clarity on this judgment and a payment history please. Thank you.
Product: Debt collection

On XX/XX/XXXX I was contacted by someone from " XXXX XXXX XXXX XXXX '' or " XXXX XXXX XXXX XXXX '' depending on who you speak to. They claimed it was regarding an old payday loan. I don't recall the loan, assume it was paid, and if not it would have been discharged in XXXX and it's past the collectable date. They were rude, refused to answer any questions, attempted to get me to pay right away and used foul language. 

Later that day they called both my wife and my parents with fraudulent information about different accounts and even provided names and amounts for some of the alleged accounts. This place is a complete scam and needs to be stopped. This is affecting my personal relationships, my ability to work as I fear they may contact my employer. These scammers need to be stopped.
Product: Credit card or prepaid card

My grievance, specifically, pertains to American Express declining purchases made with my AMEX Gold card without just cause. 

I have been a member of American Express since XXXX. Specifically, in XXXX, I spent {$62000.00} using my AMEX Gold card, alone. I have no late payments documented on my account. Additionally, I have an outstanding payment history with my other credit cards, too. 

The declined charges have occurred numerous times during my membership to American Express, which are extremely inconvenient. I pay annually for the Gold card which, as I am beginning to learn, is not worth the inconveniences I encounter with declined purchases. Specifically, a purchase was declined yesterday ( XX/XX/XXXX ) which was unwarranted and placed me in an extremely difficult, embarrassing, and inconvenient situation. 

I visited a salon/spa in XXXX XXXX. At the conclusion of my appointment, I used my AMEX Gold card to make the payment, which was subsequently declined. I logged onto my account and saw that I had a XXXX balance of amount due and no delinquencies noted on my account. 

Because I only had my AMEX card with me, I had to leave the salon and walk several blocks back to my car in a parking garage, get my XXXX XXXX debit card, walk back to the salon and pay for the services at that time. 

I received a notification via e-mail of the declined payment ; when I proceeded to contact AMEX Customer Service, I was given an error message stating Our system is not responding message.

I use my AMEX Gold card as frequently as possible, as I try to earn points on purchases which are eligible for XXXX purchases. This is the last declined purchase experience I will tolerate, especially as a paying member. My FICO score recently lowered from XXXX only due to a medical procedure I took out a loan for ( which also has on-time payments ) and a new vehicle ( which also has on-time payments ). 
I will gladly close my account ( s ) and take my business elsewhere if American Express feels the need to continue to inconvenience me during purchases. 

XXXX XXXX XXXX XXXX XXXX XXXX, Veteran
Product: Consumer Loan

Hi Go Financial in XXXX Az finance XX/XX/XXXX chevy truck for me in XXXX for 29 months. The truck was paid off in XXXX and I have n't received a paid in full letter and it 's not being reported correct with the credit bureaus.
Product: Debt collection

I got an email from this company stating. I entered a payment arrangement when I have never spoken with anyone from this company. I have had them call family members I do not have ir had communication with in years and now is causing family issues. 
This is the person who sent the email. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft on XX/XX/2020. My SSN, physical address, email address, DOB and name were used to create an credit account with XXXX. On XX/XX/2020, I received a notice from my credit monitoring service that my credit was checked by XXXX using Experian Credit Bureau. I have taken corrective action to freeze my credit with both XXXX and XXXX - with no trouble. However, I have been unable to freeze my credit with Experian. I have attempted numerous times to use their website to both dispute the credit check and freeze my account - but I receive error messages that the tasks can not be completed. I have attempted for 2 days to contact Experian via phone to speak with a representative to assert my lawful right to dispute the erroneous credit check and freeze my credit ( I have called the following numbers provided on the Experian website : Dispute Credit Report ItemsXXXX ; Report Requests & Fraud : XXXX ; Existing Customer Support:XXXX  ; Customer Care : XXXX ; Customer Care : XXXX ) however I was connected to automated systems that did not allow me to speak with a live representative, nor allow me to process my requests, and ultimately ended with me being disconnected because the prompts led me to a dead end which stated : " we are unable to process your request by phone ... '' - disconnect. The phone systems instruct me to send via US mail highly sensitive personally identifiable information - which as a victim of identity fraud, I am not willing to do - it is not a secure method. I am requesting that Experian provide a phone number that allows me to speak directly with a live representative in order to process my credit check dispute and process a credit freeze.
Product: Checking or savings account

I have not received a favorable or satisfactory response from Bank of America, the bank allowed them to commit fraud and steal {$4900.00} from my account XXXX for one year and 51 days as of today, all claims were made to the bank offices of America with my attorney 5 months ago and still without a response, this scam that the bank did to me has harmed me economically and morally, affecting my reputation and hindering my work, I insist with this complaint before this prestigious financial consumer protection institution of the government federal government of the United States of America to help me resolve this very serious situation and assert my rights by obtaining the return of my money and compensation for the damages caused by the Bank of America in the face of this fraud, apart from the theft of the money, the bank opened an account in my name which I never authorized, identified with the number XXXX, allowing the theft of my identity, which is why I ask for compensation from the bank in the face of this serious situation and the return of my money, the bank returned the money but without further ado he has not done anything about it nor has he given any signs of compensation for the loss of business, payments, which he put me through, leaving me as irresponsible for not being able to make the payments on time because I did not have the money because the Bank of America did not return my money
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 an attorney contacted me regarding payment due on a project. We determined that I could pay {$500.00} per month in a previous confirmed conversation. They asked me for an update to my card. I gave them my Venmo card number with an ok to charge {$500.00}. 

The attorney charged {$1400.00}. She said that her accounting department would make a one time charge of {$500.00} on the Venmo card then for the following month continue with my regular card on file. 

I received a text message noting the unauthorized charge. I called them right away to cancel because this wasn't my agreement. She stated that accounting would credit the {$1400.00} back and charge the {$500.00} due. Accounting called me and said they canceled the pending transaction and would wait 1 day so that they'd be able to charge the {$500.00}. The attorney charged the {$500.00}. I contacted Venmo to let them know about the unauthorized charge. I wanted to find out when the $! XXXX would be credited back to my account. Customer service canceled my card because I said the word " unauthorized '' i told them I the card isn't the issue it's the charge. They allowed me to keep my existing card. I've contacted customer support daily for the last 5 days. They avoid telling me when the funds will be returned and they avoid talking about the transaction. I apologized for the confusion regarding the card. I never asked support to cancel my card. 

To date I haven't received the unauthorized {$1400.00} debited using my Venmo card. No ETA for the return of the funds and no apology.
Product: Credit reporting

I requested a credit report from XXXX, XXXX, and expertain and they refuse to give me a credit report after I was denied credit.
Product: Debt collection

XXXX is ssn XXXX XXXX this XXXX XXXX is with national credit adjusters was discharged in chapter XXXX in bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't realize that being a victim of fraud would take me through some many challenging obstacles such as fighting this hard to redeem my true identity back. The credit reporting agencies are still reporting unverified, unauthorized accounts inwhich is unconstitutional and against the consumer laws of the FCRA. I will be also filling with the FTC if this is not corrected immediately. I've written to all 3 of the major credit agencies to provide me with the Method of Verification, inwhich should include a certified physical signed contract and mailed to me. However, if this can not be vertified by these means then this accounts shall be blocked from my credit report immediately and permanently. The accounts I'm demanding to be removed are : 1 ) XXXX XXXXr XXXX 2 ) XXXX {$XXXX} 3 ) XXXX XXXX XXXX {$680.00} 4 ) XXXX   {$XXXX} 5 ) XXXX XXXX XXXX {$30.00} 6 ) XXXX XXXX {$140.00} 7 ) XXXX XXXX XXXX {$680.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the police report and the FTC report for the items that are reporting on my credit file, by mistake or fraud. 
i have tried to fight with the bureaus and it has been unsuccessful, i need your help in order to remove these inaccurate public record and the discover account from my credit file. XXXX  is reporting a Bankruptcy that does not belong to me, and Experian is reporting the XXXX account that was opened fraudulently under my name, they have placed back the XXXX with out even considering me had been a Victim of ID Theft, please help me to remove these inaccuracies.
Product: Credit card or prepaid card

Ive called several times to Bank of America on a XX/XX/XXXX I made a transfer to my credit card account instead of my savings for {$2300.00} I called the 4-5 times requesting my money be returned to me but I was told it fraud protection even though my checking account is with BOA I even called last week and a representative told me my would would be returned today Ive been waiting over a month for my own bank to return funds now I have to wait two billing cycles from my own bank
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern My Name is XXXX XXXX my identity have been used without my consent I've had issues in the pass with identity Theft someone used my personal Information without my Authorizations. this account is fraud and i need this Account to be documented as Fraud and Removed from my Credit.

thank you
Product: Credit card or prepaid card

I 've contacted Best Buy numerous times regarding my refund of being enrolled in thei r Debt Protection  program. I was told my account was sent to the Accoun t Maintenance Depa rtment to issue a refund within 30 days.     Th e Debt Protection Customer Service Department or Best Buy Credit Card Services can not provide any details/ status updates on the refund. I '  m continuously passed between the two different departments with no results or solution.      It appears I was unknowly enrolled in this program on  XXXX / XXXX / XXXX . I cancelled the plan on  XXXX / XXXX / XXXX .     As of  XXXX / XXXX / XXXX  no refund has been issued and I have not received any proof of evidence into enrollment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX - XXXXXX - OPENED XX/XX/2018 - {$600.00}
Product: Credit reporting or other personal consumer reports

Below are a list of hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I noticed some inaccuracies in the copy of my credit report. This is not a credit transaction and should not be reported on my credit report. Also what is being reported are in accurate. Please remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi this is my second Complaint regarding the Credit Reporting Agencies and their improper furnishing of inaccurate information on my credit reports after they claim they investigated. To date i have no verified proof nor names of the persons that allege in writing a verified debt. Federal and state laws in Texas state that what i am going through as a protected class of consumer is against the law. Please see Attached Identity theft report the listed accounts violate my right to privacy and confidentiality under 15 USC 1681. I have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) 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. And lastly under 15 USC 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 reason to believe that the information is inaccurate. Accounts for deletion : N/A XXXX reported XX/XX/XXXX Past due {$2400.00}, Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : N/A XXXX reported XX/XX/XXXX Account for deletion : N/A XXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : XXXX
Product: Checking or savings account

I have been Made aware of banking accounts being open with my all My personal information with out my consent I have been unable to open and new account due to this identity theft problem
Product: Checking or savings account

XX/XX/XXXX {$19.00} from XXXXXXXX XXXX XXXX Denied refund despite cancelation and unused service. 

I was in communication with them for over XXXX weeks. 

I attempted to dispute with DASHER Direct from stride bank. 

They had a XXXX second auto reply declining my dispute and would not correct their errors. 
They claimed I was not in contact with the merchant even though I clearly submitted proof. Documents and pictures. 

The issue has still not been resolved.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer services and unfair practice, which violate the consumer Financial 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 the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and u seen appropriate redress for these violations
Product: Mortgage

On or about XXXX XXXX, XXXX, I entered into a 30-year mortgage agreement with CHASE for my primary residence. In XXXX XXXX, my application for a mortgage modification agreement was accepted by CHASE, and I made three ( 3 ) subsequent trial mortgage payments to CHASE. After successfully completing the trial payment process, CHASE sent me a letter which stated that I was approved for a permanent mortgage modification. Chase also sent me the permanent mortgage modification agreement to review, sign and return to them. Upon review of said agreement, I discovered discrepancies contained within it as to the terms of repayment. I contacted CHASE and spoke with a representative and informed them of said discrepancies and the representative agreed that there were indeed discrepancies contained within stated agreement and advised me not to sign it. I contacted CHASE on numerous occasions via telephone and certified mail to request that a " corrected '' agreement be sent to me, so that I could sign it and begin repaying my mortgage. CHASE ignored my several requests for a " corrected '' agreement repeatedly over several months, and actually sent me a letter declaring that I did not qualify for stated mortgage modification, months after initially approving me for it and accepting my three ( 3 ) monthly trial payments. This matter has been an issue in my open Chapter XXXX bankruptcy case, in the U.S. Bankruptcy Court XXXX of Indiana. 
CHASE never addressed my request for a " corrected '' mortgage modification agreement, and sent me notification that they had transferred my mortgage to another mortgage servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX    , I submitted an online dispute with Equifax concerning  XXXX  accounts on my credit report that were fraudulent. As requested in a previous disputed, I submitted a copy of my Identity theft affidavit from the Federal Trade Commission as well as a copy of the police report. Both of the accounts in dispute were listed on both documents. On   XXXX   XXXX  , I received a response from Equifax stating the account was researched and determined to be mine. When I called Equifax, I was told by an customer service  rep. t hat I did not add my current identification, however the other account was deleted from my file without it and my identification was never requested by Equifax. I would have to wait another 30 days to allow them to investigate it again. I asked to speak to a supervisor and was told that   XXXX   XXXX   XXXX   XXXX   responded to their investigation incorrectly therefore, they would need another 30 days to re-investigate the matter because it was also not investigated on their part as a fraud case. I told that supervisor that was unacceptable as I should not have to take responsibility for their agencies and the creditor not doing their parts. I asked to speak to her supervisor when connected to him, he told me that they were just reporting what the creditor sent to them. I asked how could the creditor report  one thing to his agency and another to the other 2  agencies being that the other agencies did their investigations, which resulted in the removal of the account. I asked for a copy of the investigation they did and the response from the creditor be mailed to me. He told me he would only send me how they conducted the investigation and that was it. He then stated, it also would take another 30 days the receive this information.
Product: Credit reporting or other personal consumer reports

I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this.

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). Here are the accounts in error : Credit One. Credit One was in Credit protection and this account should have been paid off and I never received any information in regards to any action on this account. This account needs to be deleted or closed with no late payments.