23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Protection Agency, I am writing to file an urgent complaint against Acima Corporation, detailing my recent experience with a lease agreement initiated on XX/XX/, for the purchase of two tires. 

On XX/XX/, I attempted to make a payment of {$880.00}, the total payoff amount, which was unsuccessful. Subsequently, on XX/XX/XXXX XXXX XXXX I encountered a technical glitch in Acima 's automated system, preventing me from completing the payment. Unfortunately, the office was closed, leaving me unable to address the issue with a live agent. 

After reporting the error on the next business day, I was informed by Acima that an additional {$100.00} would be required to process the payment. Despite my objections that this penalty was unjust due to the system error, I was offered the option to extend the due date for an additional {$100.00}, which I declined at that time. 

Following discussions with a supervisor, I was instructed to provide bank statements to verify fund availability. I explained that my bank statements would not be available until the end of the month but promptly sent screenshots as a temporary measure. Despite my efforts, the account balance to pay off the lease increased to {$1100.00} during the dispute period. 

Upon the resolution of the dispute, I provided Acima with the necessary bank statements, including a letter confirming the XXXX transfer. Regrettably, Acima did not honor the original payoff amount of {$880.00} and is now charging an additional lease interest fee of {$1100.00}. This drastic increase is unjust, especially given the ongoing dispute. 

I am seeking your assistance in resolving this matter and request the following : An immediate reversal of the additional lease interest fee of {$1100.00}. 
A confirmation of the original payoff amount of {$880.00}. 
An acknowledgment of Acima 's error and assurance that measures will be taken to prevent similar situations in the future. 
A written acknowledgment and assurance from Acima regarding their commitment to fair and consumer-friendly practices. 
I believe that the Consumer Protection Agency plays a crucial role in safeguarding consumer rights, and I trust that your intervention will lead to a fair and just resolution. I request your prompt attention to this matter and anticipate a response within [ reasonable timeframe, e.g., 15 business days ] from the date of this letter. 

Thank you for your commitment to consumer protection.
Product: Student loan

One of my loans is {$89.00} per month. The other loan is {$100.00}. I allocate {$150.00} per loan each month. Navient still allocates the way the payments are applied, even though I am paying more than the amount due each month. This keeps the interest adding up and the loan never seems to go down. Also, even though I am paying over the amount due each month, the interest continues to add up. I have been paying on this loan since XXXX and it is down to {$6000.00}, but it should be paid off by now. I am paying over the amount due each month so the monies I allocate for each loan should be allocated as such. It seems that all Navient does extend the loan so that it takes more time to pay it off. Navient truly XXXX. Please help. I have tried everything, but keep getting the same answer and that is they say the Federal Government is responsible for it taking so long to pay off my loan.
Product: Debt collection

This debt is not mine there are inconsistent things about this debt posted on my credit report. None of the information matches.
Product: Credit reporting

XXXX XXXX XXXX, XXXX inaccurately furnished information to collecting agencies regarding an alleged debt owned by them, when this was in fact misleading and inaccurate and known to be misleading and inaccurate. 

I requested a validation of the alleged debt XXXX XXXX XXXX claimed is owed but never received such validation. 

1. I have attempted to contact XXXX / Experian multiple times for them to rectify this mistake but none have done so. 

2. I believe that their conduct violated the RFDCPA and FDCPA in multiple ways, including but not limited to:3. I have contacted Experian via certified mail and they have done nothing at all and continue to report this collections item on my credit report. 




The credit report provided by experian have been and continue to be disseminated to various persons and credit grantors, both known and unknown. 

XXXX And Experian damaged, and continues to be damaged, in the following ways : a. Denial of credit by at least one lender ; b. Emotional distress and mental anguish associated with having incorrect derogatory personal information transmitted about Plaintiff to other people both known and unknown ; andc. Decreased credit score which may result in inability to obtain credit on future attempts.
Product: Debt collection

Repeated calls from different numbers 3 or 4 times a week a couple of calls each day. some after XXXX pm
Product: Money transfer, virtual currency, or money service

The purpose of this complaint against CashApp is to hopefully get a refund from the money spent on two vintage XXXX  bicycles that I never received. 

So, XXXX XXXX has proven to be one of the best places to find vintage XXXX  bikes. However, it's also proven to be one the best places to find the worst people. 

On XX/XX/XXXX and on XX/XX/XXXX, I purchased two vintage XXXX  bikes from two different sellers, in two different states. Both were paid via CashApp. Now, as with any online purchases, I always try to gauge the reputation of the seller as best I can. I done my due diligence but unfortunately, that just wasn't enough. Both of the sellers have taken my money and will not ship the bikes I paid for. One bike was for {$270.00}, the other for {$320.00}. I am out {$600.00}. 

Here 's the bad part- they got away with it AND I don't get my money back.Despite my documentation and screenshots, " nothing can be done ''. 

I contacted XXXX first. That was a complete waste of 2 hours trying to figure out how to even file a XXXX claim. I then filed claims with cashapp. It took almost 3 weeks for them to just deny each one. I then contacted my local bank. While they were very accommodating and genuinely tried to help, it was to no avail. Then I contacted XXXX XXXX XXXX team. There are 3 claims total - {$270.00}, {$320.00} and {$15.00}. The {$15.00} is an extra payment for shipping on the {$270.00} purchase. XXXX refunded me for {$15.00} but said they could not for the {$270.00} and {$320.00} charges. I asked why and the 2nd supervisor I spoke with said, " that's just the way it is ''. After the 3rd supervisor, I wasn't gaining any ground. I contacted Cashapp again and spoke to two different people. The supervisor said there was nothing they could do. 

So- Cashapp, XXXX, XXXX and my local bank are all unable to help me retrieve my money back. This is a problem. Out of 4 separate entities, nothing can be done. 

Attached are various screenshots and documents. 

Pay specific attention to the Cashapp level2 supervisor, XXXX. He/she closes the complaint without taking any of my documentation. 

Thank you for taking the time to review my complaint.
Product: Student loan

As of XX/XX/XXXX I noticed on my credit report I have student loans from Kentucky Higher Ed Student Loan Corp on my credit report reflecting in a negative way. XXXX was my original financial lender ( student loan ) XXXX was involved in a lawsuit back in XXXX XXXX, XXXX, and XXXX. All participants who had student loans with them were paid off. ( Debt cancelled ) ( Loan Forgiveness ). It was supposed to however it wasn't according to my credit report.The loan was sold and transferred to Kentucky Higher Ed Student Loan Corp.  This shouldve never happened when this matter was resolved in the lawsuit I stated earlier. After an extensive research I was directed to you concerning this matter. I ask that you please help me resolve this matter. Im trying to move on and start fresh but find it quite difficult when this has a negative impact on my report. There are four different accounts listed on my credit report from Kentucky Higher Ed Student Loan Corp which the debt shouldve been cancelled but instead they have impacted my credit report in a major negative way. Please help. I look forward to hearing from you along with having this matter resolved. 
Thank you for your service
Product: Credit reporting or other personal consumer reports

I was shocked to discover unauthorized inquiries on my credit report this morning, and I have no idea why they are there. I regularly check my report, but this time there were unexpected discrepancies. After refreshing my browser, hoping it was a glitch, the inquiries remained. Im really disappointed and frustrated, and I urge that the documents I sent be reviewed carefully so I wont have to deal with this problem again.
Product: Credit card or prepaid card

I recently purchased a $ XXXX On XXXX using my capitalone venture one card to I receive the 10x points promotion/partnership and when I didnt I called them and they said it had to be booked through a certain website but that wasnt told to me when I called in XXXX and changed my credit card to that card in order to receive the card by the individual on the phone. This was very misleading and unclear as when I called a month prior to my most recent phone call I was told if it didnt appear I could receive a 1 time addition of points to correct the issue, but to wait until the end of this billing cycle when they told me that they dont support anything like that at this time.
Product: Debt collection

This debt collector XXXX XXXX XXXX, XXXX keep harassing me by telephone every other day by having different people to call me about a XXXX bill that was not settled back in XX/XX/2012. I inform the creditor then that I was not responsible for them given an authorization regarding this account to another person, therefore I could not afford to pay the debt then or now. I am XXXX years old XXXX on a fixed income. I barely can pay my rent, buy my meds and food with what I have in income. I could not possibly give them over a thousand dollars not ever. But these different people from XXXX keep calling asking personal questions, refuse to stop calling me after I tell them not too! It is harassment ; disrespectful and it upsets me with my current medical condition. I have ask them to stop and have blocked their number, but somehow they keep calling and even have tried to send me mail. I will not respond to their threats and offers of solutions because I can not afford to pay for someone else 's mistake on this very old account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Experian due to their inability to correct an error in their system. Recently, I requested an Auto loan from XXXX XXXX XXXX, which I was denied from because Experian is reporting to them two different credit lines, with two different names however with the same social security number which is my number. 
I have contacted Social Security multiple times to make sure my social security was only assigned to me and to make sure they do not have another person utilizing my number in their system. Social security has confirmed that they only have my number for myself only. 
I have also requested my credit reports from Experian, XXXX, and XXXX. All three reports are the same and there are no accounts that I have not opened. All three reports appear to be only my information and with accurate credit history. 
I have been calling Experian several times since XX/XX/2020 to fix this issue that they are reporting to XXXX XXXX  XXXX. Three times Experian stated they would fix the problem within 3 to 5 business days however every time I called back the problem was still present. Additionally, twice on separate occasions I was told by Experian that they would submit a form to fix the problem and I would need to provide them with supportive documentation including a copy of my ID and a copy of my Social Security card. The documentation that they asked for was mailed to Experian and they confirmed they received it and it is in my file. Now Experian has confirmed that they do in fact have another credit file under the same social security number and that they do not have a way to fix that even with supportive documentation. I have asked many times to speak to a supervisor or someone that can help me fix this and they tell me they do not have a way to fix this problem. They suggested I attempt getting a loan through a different company as they can not fix this. 
Ultimately, consequently I attempted to open a new credit card account and was also denied. This issue is affecting me in many ways as I can not obtain new credit lines or loans while all together affecting me from being able to purchase a vehicle. Attached is a copy of my ID, passport, Social Security card, and proof of residency document for supportive documentation to prove I am who I say I am.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX XXXX.I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those inquiries has not permissible purpose to be on my report.Delete those inquiries due to violation of 15 USC 1681B.
Product: Credit card

This complaint is a continuum of complaint number : XXXX. 

I contacted American Express on XX/XX/2023 in regards to case number XXXX. The statement cycle in which the payment was posted was from XX/XX/XXXX to XX/XX/XXXX ( attached ). In reviewing my current statement, I am unable to locate where American Express provisionally credited me the amount of the disputed item. The dispute does not appear deducted from the XXXX or current statement. In all, it appears that American Express has held me responsible for the amount in dispute. 

This action appears to be a potential violation of Truth-in-Lending. Under Truth-in-Lending, the consumer has the right to withhold the disputed amount, and collection is prohibited. I am requesting a written response from American Express as to why it potentially appears I was held responsible for a disputed amount and if not, where the provisional credit is detailed. As of XX/XX/2023, there has been no resolution of the charge or notice provided.
Product: Credit card or prepaid card

DIscover revoked my account though my payments were on time. They said they saw something on my credit report and decided to close my account. In addition to revoking the account which they agreed had an outstanding payment history, they reduced my credit limit on my credit reports to the balance owed. This lowers my credit limit to debt ratio which further hurt my credit.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX. I do not have a contract with Southwest Credit Systems , LP account number XXXX. They did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Date XX/XX/XXXX XXXX XXXX XXXX, amount XXXX XXXX XXXX XXXX  account XXXX Date XX/XX/XXXX amount XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX paid, XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXX XXXX  date XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX  date XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX I have so many. Wrong names XXXX XXXX XXXX XXXX XXXX, Dept of EdXXXX XXXX XXXX XXXX Date XX/XX/XXXX amount paid.XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Date XX/XX/XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the dates requested XXXX
Product: Debt collection

I have bills from XXXX XXXX for bills in Texes. I have never been to Texas. This fraud and I will not pay for sumething that is not mind. This all stsrted about a year ago. I have told the collection agency that this si not my bill
Product: Checking or savings account

I am writing to file a complaint against NavyFederal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees and had my account closed due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, when transactions settled with insufficient balances initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Debt collection

On XX/XX/2019 this company did several things wrong, first they called me while I was at work and they left a voicemail. Then they called my sister and left a voicemail. I then reached out to the company and gathered some information and informed them to not contact me again. They then turned around and called my place of employment ( I work customer support, so they called the general support phone number ). The caller was told all 4 times he called in that this is a support line for customers of our business and that he is not to call into this number. They called a total of 4 times into my companies support line on XX/XX/2019. Since this company was not able to get the resolution they wanted with their illicit tactics they used, they sold the debt off to a company called Foster and Monroe LLC. 

This Foster and Monroe never reached out to me about this debt and I have initiated a dispute with XXXX. 

I have the first call recording that this company made into our support phone line along with the third call attached to this complaint. This company made a statement when I spoke with them on my personal cell phone ( after leaving a voicemail on both my number and my sister 's number ) that there was a court document or standing that there was a garnishment. This was for the XXXX XXXX area in Virginia, I called all the court systems in that area and there were no cases against me or pending or any of the such. 

The last attachment is the call that my supervisor took, again in our support phone line, and the caller was being combative and harassing again.
Product: Debt collection

I sent a certified letter on XX/XX/2021 to stop mailing me letters and no more contact about this debt via any method since its outside the statue of limitation.
Product: Credit card or prepaid card

I have an account with Synchrony Bank for XXXX music store. I am trying to pay off some of the promotional balances on the card. I have several balances that are equal payment no interest and I specifically am trying to pay off a couple of those balances. I had a balance that stood at {$16.00} and I made a payment to pay it off on XX/XX/2018. In order to have a payment applied to a certain promotional balance, I had to make the payment and either then call or chat to have it applied. I do not, for one, understand why they don't have this functionality on their website. Regardless, I made the payment online and then called them. The next day, I made a payment of {$100.00} to another promotional balance that should have paid that one off as well. I then chatted with an agent to have tht payment also applied just to that balance. To date, XX/XX/2018, NEITHER of those payments has been applied correctly. I have chatted multiple times with them and they have told me it would reflect online within 48-72 hours and now I am being told it can be 1-2 statement cycles. I am beyond tired of fighting with them. Now I have made my monthly payment ( actually about {$30.00} more since I paid {$200.00} ) and it has further reduced the balances on the 2 promotional purchases in question but they should have been paid off by now. I received an email stating the allocation had been done but it has not. As of my last conversation with a supervisor today, he did not listen and tried to reapply the {$200.00} payment I made yesterday as well so it is now possible that payment won't pay the monthly payments.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit : XXXX XX/XX/2024 TransUnion XXXX XXXX XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 TransUnion
Product: Debt collection

This was opened in XX/XX/2017. I have asked they agency to itemize the debt along with providing my signature to allow my medical provider permission to share my information with a third party. This is a HIPPA violation, and they agency has never been able to respond appropriately
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted both XXXX  and TransUnion regarding an account that has been closed since XX/XX/XXXX but is still showing as open. When contacting these agencies, I received conflicting responses regarding the account. The account has been closed per XXXX XXXX  since XXXX. It is a XXXX XXXX XXXX account with a credit limit of {$2000.00}, opened by my wife, XXXX XXXX XXXX for which I am an authorized user. I was told that there is activity in XXXX, which is impossible, as we no longer shop at XXXX XXXX XXXX, etc. 
There is a {$0.00} balance on the account since XX/XX/XXXX. The account is not show open under her credit file. 

Please assist is having the account marked closed. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an installment loan with Service Finance Company for an air conditioning unit installed at my home. I lost my job and was late on several payments. I paid off the loan fully in XX/XX/2019. I went to re-finance my home mortgage and was informed that Service Finance incorrectly reported the account type to the credit reporting services as a mortgage account which severely impacted my credit score, instead of the proper account type ( unsecured installment loan ). 

I contacted Service America on XX/XX/XXXX to correct the reporting account type to the credit services and they informed me that they can not correct the account type and would issue a letter stating the incorrect account type reported. 

I was informed by my mortgage company that the letter is of little use without correcting the account type with the credit services. I contacted Service Finance again and they are unwilling to correct the account type.
Product: Credit card

I have the Goldman Sachs Apple Credit card and when I opened the card I had agreed that I would be able to finance apple products for 0 % for certain terms depending on the amount. I went to try to purchase the new XXXX and now there is an exception that you cant use you Apple Card to finance unless you have 1 of 4 carriers. This seems very unfair and something I did not sign up for when I opened the card. It seems also like they are trying to push certain carriers, maybe theirs an incentive for them to ignore the consumers best interest? Im concerned.