23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/23, I made a purchase on the XXXX  app for {$150.00}. I paid extra for a quicker delivery.The item in my order was a pair of sneakers, the sneakers was needed for my upcoming vacation on XX/XX/XXXX. The sneakers didn't arrived by its XXXX date. The carrier XXXX kept changing the information on the online tracker. Stating that the sneakers was out for delivery but yet never came. I contacted XXXX multiple times to no avail in receiving help. Seeing that my package clearly was never going arrive, I made a dispute with my bank ( Chase ). Chase denied my claim because according to them XXXX submitted proof that the item was delivered. The proof they submitted is just a black photo. There's no way I received the sneakers on XX/XX/XXXX because I was already on vacation. ( I have the itinerary to prove that ) A rep at Chase, told me I could file another dispute for the same transaction being that XXXX was suppose issued a refund. Once again Chase denied my refund. I never received the products and I been robbed out of {$150.00}. If my bank not going have my back when it comes to merchants then who will? Who suppose hold these companies and financial institution accountable? 
I submitted evidence on multiple occasions.
Product: Payday loan, title loan, or personal loan

This was a pay day loan taken out. At the time I has lost my job and my checking account was closed, therefore no payments were taken out. I did not receive any follow up from the company and was not aware of the status until it recently appeared on my credit report. 

ANCE AND HUFFMAN LLC Last reported XXXX XXXX, XXXX {$2700.00} Open balance XXXXXXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, ( ORIGINAL CREDIT ) XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights. 

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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$3200.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase that I opened through my XXXX XXXX using the Coinbase app. I found out that XXXX and Coinbase are linked within the same company and started my application for opening an account on XXXX as well. When I was at the stage of verifying my I.D . on XXXX, upon completion, I instantly received an email from Coinbase stating " Your USD wallet on Coinbase has been deactivated due to eligibility restrictions. '' I had and currently still have {$730.00} USD in the deleted USD wallet in Coinbase. I was able to locate the Deleted wallet and saw there was a withdraw button that should allow me to withdraw {$730.00} from the deleted USD wallet in Coinbase back into my wired bank account with XXXX XXXX XXXX. Upon trying to withdraw my {$730.00}, I received an email stating " Hi XXXX XXXX, A withdrawal of {$730.00} ( + {$0.00} banking fee ) has been initiated. {$730.00} will arrive in your bank account by XX/XX/2017. Although a bank transfer fee may apply, Coinbase does not charge a fee for this transaction. '' Followed by receiving another email simultaneously stating " Hi XXXX XXXX, On XX/XX/2017, you ordered {$0.00} USD via your payment method for {$730.00} USD. Unfortunately this transaction has been canceled. Although we try to avoid canceling transactions, in rare circumstances certain transactions can not be processed due to requirements imposed by our banking partners or other technical errors. If your payment method was charged, you will receive a full refund as quickly as possible. Coinbase will not charge any fees for this transaction. If you have any questions, please contact our customer support team. '' As of right now, I am not able to retrieve my {$730.00} cents out of the deleted USD wallet on Coinbase.
Product: Debt collection

Repetitive phone calls have been made at the dates and times below. These calls have been made to me during work hours and I am unable to communicate with them at these times. They are calling from the number XXXX XX/XX/2019 at XXXX EST XXXX XXXX at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX : I apologize for contacting you but since I could not get my situation resolved through normal process. This is regarding an old checking account. I am requesting that this account be deleted from all 3 major credit bureaus ( Experian, XXXX, and XXXX ). The balance of {$160.00} was paid in full over a year ago. I realize that the account was overdrawn but I paid it like within a month. I also had similar thing happen with XXXX and they never reported anything to any credit bureaus. They only reported to XXXX. Same thing with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX or any other bank checking account, they will only report an overdrawn checking account to XXXX and perhaps XXXX XXXX then once account is paid they mark as paid in full. XXXX is the only bank that will report an overdrawn checking account the 3 major credit bureaus and refuse to delete after debt is paid. I did some research and I can not find another bank that will report overdrawn checking account to the 3 major credit bureaus ( Experian, XXXX, and XXXX ). I am not satisfied with account being marked as paid in full. I also want it deleted completely from all 3 major credit bureaus. XXXX should follow the lead of other banks. XXXX is already getting a bad reputation in XXXX market and if you dont believe me then please read online reviews. I also want to make a complaint about the branch manager XXXX XXXX. She is very unprofessional and she is dishonest about bank practices. She was trying to convince me that because FCRA that is reason that account can not be deleted from the 3 credit bureaus but that is not true. XXXX can easily delete if choose too. Like I mentioned XXXX is only bank that will report an overdrawn checking account to 3 major credit bureaus and then refuse to delete even after its been paid. I am asking for your assist please in getting a small debt that has been paid in full deleted from credit bureaus ( Experian, XXXX, and XXXX  ). If XXXX continues to refuse then I will also be forced to file a complaint with Federal Trade Commission and I will also go to my local media. Perhaps XXXX needs to be brought to the publics eye so that consumers know that XXXX is practicing in unfair practices that no other bank does. XXXX also indicated they contacted me or attempted to reach me that is no true. 

thank you
Product: Credit card

I was contacted by a company by phone claiming to be XXXX XXXX. They said my computer was sending out error messages and needed repairs. Later that day I found a sent email as if I wrote and signed a document to a company named XXXX XXXX. I called Chase Freedom XXXX immediately because this was not submitted by me. I was scammed after calling XXXX and finding out it was not them and that they have no association with XXXX XXXX Over the XXXX months of trying to get my money back because I received no services from XXXX Chase finally told me it 's a civil matter now there is nothing they can do even though I was a victim of a scam/misrepresentation they are not XXXX and I am a therapist that could have lost everything I worked for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX Account Status : Open Date Opened : XX/XX/XXXX Dispute of Late Payment Reporting - Request for Investigation and Removal Dear XXXX XXXX XXXX XXXX , I am writing to formally dispute the late payment that has been reported on my credit report for XX/XX/XXXX. The reported late payment is inaccurate, as I have consistently paid on time. The issue stemmed from an error on the banks side, where the correct amount of money was not deposited into my account, resulting in a late payment being recorded. I request that you investigate this matter and remove the late payment from my report immediately, as it does not accurately reflect my payment history. A review of my full credit report will show that this is the only instance of a late payment. Thank you for your attention to this matter.
Product: Mortgage

Originally my loan was with XXXX. I lost my job and asked for a loan modification. I went to consumer credit counseling for help. XXXX had so many modification applications at the time they had outsourced some of their work. Anyway they mislabeled my loan lost my loan application and this continued for a couple of years. Instead of a modification they started foreclosure proceedings. I ended up filing bankruptcy. My mortgage was included. Then after a few years of paying my bankruptcy payments XXXX wanted the amount increased. I was paying XXXX a month they wanted XXXX a month I could not pay that amount so my case was dismissed. I went to XXXX XXXX XXXX to get this done. We called several times a month before the bankruptcy and after the bankruptcy was dismissed. They finally came back with XXXX left on my principal balance and were supposed to be doing a modification. In the meantime I received a letter from Shellpoint mortgage saying they were servicing my loan and it was XXXX. We called XXXX and they told us that my loan had not been sold or transferred and that they were still working on a modification. Well it had been sold and Shellpoint had started foreclosure proceedings. I called them and told them what happened and I contacted my attorney to file bankruptcy again. But they stopped the foreclosure and agreed to do a modification. I did the trial period and the paperwork came back with my principal balance being XXXX. I disputed the amount of my principal balance. They told me if I didnt sign the modification that I would immediately go into foreclosure. I said I would sign the paperwork to avoid foreclosure but I disputed the charges. I contacted the Alabama attorney generals office for help. Shellpoint told them that the charges were from the missed payments from when XXXX had my loan. I explained to Shellpoint that XXXX agreed that all I owed was XXXX and they were supposed to do the modification which Shellpoint was fully aware of anyway. My first paper statement from Shellpoint reflects my principal balance being XXXX. They still refuse to remove the charges of over XXXX making what I owe more than my original loan and have sold my mortgage to XXXX mortgage servicing. Also when I called Shellpoint to tell them that making the payments on the first of the month might be a problem their agent told me that Shellpoint doesnt consider a payment late if its made in the month its due. They sent me a nasty letter threatening foreclosure even though I was never behind and added late payment fees to every payment. But that didnt happen until I sent them messages requesting the other fraudulent charges be removed.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Correction of Credit Profile I am writing to address an ongoing issue regarding fraud, identity theft, and the correction of my name on my credit report. Despite repeated attempts to resolve this matter, you sent me a document listing a name that is not mine. 

For reference, my correct name is XXXX XXXX XXXX, and I do not have a middle name. I have provided ample proof of my identity, including copies of my Social Security card, birth certificate, passport, and driver 's license, yet the issue persists. 

It is unacceptable that despite my efforts and the documentation provided, my credit profile has not been corrected. Furthermore, I demand that any and all records involving XXXX XXXX XXXX XXXX be permanently removed and erased from my credit report. This is clearly an error, and your continued failure to address it leaves me no choice but to consider legal action if this matter is not resolved promptly. 

Please confirm receipt of this request and provide a timeline for the correction of my credit profile. I trust that you will handle this issue immediately to avoid further escalation. 

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

Please assist in deleting these items from my credit report XXXX days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Product: Mortgage

Select Portfolio Servicing ( SPS ) has not acknowledged the extra escrow payments ( {$4300.00} ) that I have made on my mortgage account since XX/XX/2023 in order to maintain my monthly payments to $ XXXX even though I have requested five times for re-assessments five times in the last XXXX months. My discussion with one representative in XX/XX/2023 was that if I made {$5000.00} over the monthly minimum to escrow then when the account was re-assessed in XX/XX/2023 that it would stay the same. To wit, because of the use of outside contractors who work from home there is little or no quality control over communications. Hence, when I spoke to the XXXX XXXX. last XXXX they only lowered the payment by $ XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent certified letters to Financial Credit Networks, demanding that they verify | validate a collection account they are reporting to XXXX, XXXX and XXXX.

In three ( 3 ) separate letters, I disputed that this is not my account. I've demanded that FCN provide me with an application, contract, consent forms or financial responsibility form, bearing my signature, validating that this is my accoun | debt.

FCN, has not provided me with any of the documents that i requested. FCN continues to violate the FCR by not providing me with these documents to validate this collection. FCN continues to report inaccurate information to XXXX, XXXX and XXXX. When XXXX, XXXX and XXXX have requested FCN to verify the debt, they respond to them with verified debt, knowing that they have not verified the debt.
Product: Debt collection

This company calls me about 2 times a day once in the morning and once in the evening. It all started last month when the final closing time for that specific credit card debt was to fall off my credit report. And even since it has fallen off they will not stop calling. This company calls from all over the U.S with different phone numbers. I have even had to block a few.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair 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 error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I use the Navient online portal to manage my account. All billing is sent to me via email. 
I recently received an email from Navient regarding my account that had been sent to a relative, who 's contact information has never been a part of my loan process. I was confused because I had received no communication myself. The Navient Customer Service Dept. informed me that I had logged into the site and changed the email myself on XXXX/XXXX/16. I tried to explain to Navient that there was not a chance I had changed this information they let me know they had corrected my email and moving forward information would be sent to my proper address. At this point a process was triggered that sent an email to both the corrected email address as well as the incorrect email address, this process did not take place on XXXX/XXXX/16 when my account was incorrectly adjsuted. I am concerned because I did not change the address and my information had been shared with an unauthorized individual. Navient did not address my security concerns with how the email address was changed. The relative who received my email regarding my account had previously held an account with Navient and has a letter stating her account had been paid off dated XXXX/XXXX/16. I do not know if this was a data entry error or if my account has been hacked and my credit card info. and SSN have been compromised. Navient has not provided any information on how this was changed other than accusing me of the change. I am concerned Navient made the change, in error or to gain my attention for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Sychrony Bank - TJ Max rewards card posted a deliquency on my credit card. Over the phone, the agent explained that it was a {$6.00} charge posted on XX/XX/2019 after my balance was paid off and my account was closed on XX/XX/2019. Without being probably notified, this amount ballooned to {$10.00} on XX/XX/XXXX. The agent told me that this was an incorrect charge but said that she couldn't do anything to for the event to my credit card which could affect my credit score. She simply told me to file a complaint to the credit bureau. She also filed a complaint to the bank on my behalf but still she coulnd't do anything about the credit. I found this as unacceptable customer service from the bank and I don't think the bank tries its best to serve its customers
Product: Credit card

On XX/XX/XXXX I called Citi Bank Card Customer Service to report a change of address. Their representative, XXXX, wanted to speak with the primary card holder, but that person is deceased, so XXXX immediately transferred my call to the Estate Department. XXXX, at this department, immediately canceled the card and said that I could apply for a card in my name. She transferred me to another person who took the information for another card. I was subsequently denied a new card in my name for no apparent reason. 

On XX/XX/XXXX I called Citi 's Customer Service to verify what was needed to redeem the points accrued on the closed credit card. XXXX, in the Probate Department, advised that I had year to redeem the points. On the same day I wrote to Citi 's Thank You Service Center, providing a Death Certificate and mailed the letter on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter from Citibank, NA Customer Service stating that they, " are unable to approve this request because we did not receive the necessary information within one year of the cardmember 's passing ''. 

The points accrued on the account total {$380.00}. I have been an authorized user of this card since XXXX. My name is on the card. And, I earned the accrued points.
Product: Debt collection

I Do n't Know Who I Owe & If It 's Me That Owes ... Need To Know More About The Debt.. Who To Contact & If Information Is Right Who & Where Do I Send Money Too??
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have tried numerous times to transfer money out of my Axos checking account and it either fails or the transfer just disappears. I contacted customer service and they could not help me or explain why I could not transfer money.
Product: Money transfer, virtual currency, or money service

I enrolled in a debt relief program with Freedom Debt Relief. According to our contract, we can end the contract at any time with no further obligation. On XX/XX/2023 we terminated our contract, including terminating the settlement of debts for XXXX XXXX and XXXX XXXX  and XXXX. We requested a refund of the debt settlement fees for the XXXX XXXX and XXXX XXXX  and XXXX XXXX as these debts remain unsettled, and Freedom Debt Relief is no longer paying these debtors. Freedom Debt Relief refused to refund the settlement fees for those two accounts, which to date remain unsettled. In addition, on XX/XX/2023, Freedom Debt Relief charged us an additional settlement fee of {$9.00} after our contract was terminated, and to ensure that our dedicated account which housed our deposits was depleted. We did not authorize them to charge any additional fees, as we were no longer in contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Account Name XXXX XXXX XXXX has violated my rights. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is more than {$1500.00} in debt and i would like to get it removed. I closed this account a long time ago and I am still getting charged
Product: Student loan

I was an XXXX XXXX grad of XXXX XXXX, Michigan and recently was informed of the CFPB 40 % reduction deal for students with Genesis loans. I was told the reductions would be automatically applied to my accounts. After a few months with no reduction, I called Genesis and was told that the government decided which loans were to receive the reduction and apparently my loan was not XXXX of them. Is this the case?