23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have XXXX American Express prepaid cards that I have tried to use at approximately XXXX stores over the last week. When I call American Express, I am told that the cards are valid, have a balance, and that the issue is with the stores ; however, after many attempts to use the cards, including at websites listed by AmEx as ones that accept gift cards, I have come to the conclusion that the issue is with the Amex gift cards. It is incredibly frustrating and at this point has remember up many hours of my time.The company called me in the middle of the night and left a message twice saying they needed the card number, but never answered when I called back to give the number.
Product: Money transfer, virtual currency, or money service

- I used a venmo account for personal transactions for several years while I was living in the XXXX ( XXXX ). 
- Upon moving out of the country, I was told my account would have to be shut down, and my remaining balance would be sent to me via check ( approx. {$300.00} ). 
- XX/XX/year> : This check would take a maximum of 5-7 days to process and 30 days to mail ( approx. 5 weeks ). 
- XX/XX/year> : Followed up with company after 11 weeks without receiving check. Was told they would follow up on the status of my check within 5 business days. 
- XX/XX/year> : Followed up again after 3 weeks of no response given. 
- XX/XX/year> : Followed up again. Still no response given or correspondence of any sort. 

In total my check that should have taken 5 weeks to receive has been outstanding for 15 weeks, and the company refuses to return my messages anymore. Have been unable to get any sort of response through email or phone. The only possible explanation I can imagine is that the company has lost, stolen, or otherwise misappropriated my funds.
Product: Payday loan, title loan, or personal loan

This loan is too expensive and they want me to pay bi-weekly. Right now my payments are $ XXXX bi-weekly. I don't care about ever borrowing from the lender ever again, I just want a low monthly payment of {$150.00} a month. They won't work with me on this. Going forward I'm demanding they stop with the automatic payments and just go ahead and turn this over to a collection agency then I can work with them on making a {$150.00} a month payment. If I have to close my account, which I really don't want to do or shouldn't do, then I will. I can only afford {$150.00} a month, but they won't work with me on this.
Product: Student loan

EdFinancial shows my payment due of {$200.00} and {$16.00}. I am on the Income Based Repayment ( IBR ) Plan. According to Studentaid.gov my monthly repayment amount should be {$0.00}. According to the Edfinancial representative I spoke to over the phone it should be {$0.00}. 

I resubmitted my IBR application through Studentaid.gov on XX/XX/XXXX, and that Edfinancial processed my application. The amount owed still shows {$200.00} and {$16.00}, due XX/XX/XXXX My XXXX for XXXX was {$12000.00} My discretionary income, using the IBR formula is {$0.00}. Based on this, my amount due should be {$0.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXIXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

XX/XX/2017, Thursday, I placed a call to XXXX XXXX to cancel a payment arrangement scheduled to electronically draft from my Chase Banking Account. 

Unfortunately, the customer service representative advised that the EFT had been issued and could not be recalled in the amount of {$570.00}. 

Chase Bank was contacted and I requested to place a stop payment in the amount of {$570.00}. 

The Chase representative asked if the merchant had been previously authorized to draft from my account, I responded " yes '' and provided the last debit from my account which was {$280.00}. 

Unfortunately, the stop payment was issued for {$280.00}, which is the incorrect amount. I phoned Chase immediately when the charge posted to my account. Chase reviewed the recorded call for that day and the transcripts, escalated the issue to the claims dept, and confirmed that a banking error was made. 

In working with Chase, the bank issued a decision to honor the transaction and not take additional action to recover funds due to the bank 's error. 

I was told by XXXX XXXX that the payment can not be refunded and a credit would not be issued for the inconvenience as the payment was for my car note and I should look on the bright side, my car note is paid. He also advised that the bank who made the error would be properly trained. 

His response was very inappropriate and subjective in addressing the matter at hand. I felt there was possibly discrimination as XXXX XXXX did not cite banking policy to support Chase 's decision to honor the transaction despite the admittance. 

Throughout the duration of the investigation, I was very mild-mannered as I understand it was an honest banking error. I requested that the bank exhaust all efforts to recover the funds and reverse all NSF fees as this has created a domino effect within my account of insufficient postings. 

XXXX XXXX also advised me that his department was the highest level and that is the final decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Debt collection

I asked to see the contract showing the open and close date of this account that was already paid. No contract was provided and I was unaware that the account was sold to a collection agency as the account was paid. No contract has been received. I do not owe this
Product: Debt collection

Credit Collection Service Opened XXXX XXXX XXXX XXXX Opened XXXX Because these debts are illegal. resulting from criminal identity theft reported to law enforcement via the XXXX Police Department police report # XXXX ; in violation of 15 US Code 1692 ( e ) ( f ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two separate complaints, one from XXXX XXXX XXXX XXXX and XXXX for Capitol One. 
XXXX XXXX XXXX XXXX {$27000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX representative XXXX XXXX told me he would removed this account from my credit report due to my military background and secret clearance issues it would present. Account was paid in full and judgement was removed, however this is still on my credit report. I have filed a dispute with the company and then after with the three credit bureaus. XXXX has deleted the account, however the other two XXXX and XXXX   have not. I am requesting that the two other bureaus remove it from my credit report as well, I am applying for my XXXX XXXX and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX XXXX XXXX and the two bureaus XXXX and XXXX since they have not removed or deleted the error on my report as requested. 

Capitol One {$16000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX I am XXXX XXXX military, when I opened this account it was a regular auto loan. I moved from South Carolina to California due to military orders, I requested a modification to my auto loan under the Service Member Civil Relief Act. Capitol One stated they would convert my loan to a military loan and that they would reduce my car payment. Instead they listed me as late multiple times, converted the loan to a charge off account with Capitol One and never told me. I paid my account off in full in XX/XX/XXXX not knowing this error in my account. Once I applied for my secret clearance I was notified of the issue. I have repeatedly tried to work with Capitol One and they refuse to assist me, they cant provide any original documentation showing my change in my account. I have filed a dispute with all three credit bureaus to have this account removed. Instead they changed the wording to a " fix charge '' for my account. Again, due to my XXXX XXXX request and need to have it removed before my investigation starts. My complaint is with the bank Capitol One and the three bureaus XXXX, XXXX and XXXX since they have not removed or deleted the error on my report as requested.
Product: Debt collection

XX/XX/XXXX and XX/XX/XXXX I have a XXXX XXXX XXXX, within the last 2 years I had a XXXX XXXX, XXXX XXXX in XXXX XXXX  and a total of over 6 hospital stays due to this condition. 
I was in the hospital on XX/XX/XXXX and my brother notified them when they called that I was in the hospital for a XXXX XXXX. They continued to call my cell phone over 8 more times on XX/XX/XXXX knowing I was in the hospital. 
On XX/XX/XXXX my brother answered my iphone and told them again I was in the hospital and they continueed to call me knowing that I was in the hospital for a XXXX XXXX They are also charging me more than what is owed. 
In previous communications I made a payment arrangement with their employee XXXX XXXX in believe that is his name and they tried to charge my checking account on an earlier date then XXXX agreed to. I then made another payment arrangement with them via XXXX and again they tried to charge my checking account prior to the agrred upon date. XXXX or XXXX XXXX a supervisor was extremely rude and said their was no such payment arrangement on file.Asked him to check with XXXX and he becaming insulting
Product: Checking or savings account

In XXXX of this year I noticed fraudulent charges were made to my checking account using my debit card number. There was a {$190.00} charge made on XX/XX/XXXX and an identical {$190.00} charge made on XX/XX/XXXX. Both charges were online purchases made at XXXX. This represented at total of {$390.00} in fraudulent charges. When I noticed the charges I immediately contacted the credit card company and informed them of the situation. Since I have a XXXX account I was also was able to cancel one of the transactions since the merchandise had not been delivered to the crook. XXXX refunded my checking account for this transaction. This left one of the {$190.00} charges that was taken out of my account. The debit card is supposed to have a no liability for unauthorized charges. 

I have gone back and forth with BB & T bank about crediting my account for the {$190.00} transaction that was not reversed by XXXX. The bank will credit my account only to later remove the funds. The explanation given is that the {$190.00} was returned by XXXX. They seem to be completely oblivious to the other {$190.00} transaction. 

On XX/XX/2018 I received a letter from BB & T stating they were reversing a {$190.00} credit adjustment previously made to my account. On XX/XX/2018 I called the number listed on the letter and again explained the situation to their representative. That person stated she would get back with me that morning. She never did. I accessed my account on XX/XX/2018 and noted that the bank had removed {$190.00} from my account. I again contacted one of their representatives and explained the situation. 

I can not understand how a banking institution can be so woefully deficient in basic arithmetic. If {$390.00} in fraudulent claims were debited from my account and {$190.00} were returned, then it stands to reason {$190.00} are owed me by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has charged one of my Citi credit card several times for a recurring service that I did NOT solicit or enter an agreement for such purported service. When one attempts to secure their FREE credit report from the FTC.gov website : XXXX, XXXX is the only bureau of the major 3 bureaus that forces you to go to their website, and create an account in order to obtain your FREE credit report. I don't need a report anymore than annually as each credit card lender - with which I utilize to finance or age my accounts payable - offer me a view of my credit score, free of charge. In addition, it should be noted that I am not in need of any credit repair and/or monitoring, as a trained financial advisor, and my credit score has consistently floated between XXXX and XXXX since establishing credit 2005. Thus, I have never needed such a service, and would've never signed up for such. As this issue of ad hoc charges were brought to my attention this summer in the form of billing statements, I recognized that I lost my credit card in travel, and reported it stolen. After I disputed this asinine malarkey, prior to reporting the credit card was lost, Citi, at some point presented me with a response from XXXX  that displayed documents that weren't legible, and a sample transaction, but no actual transaction from XXXX or an electronic signature. In addition, they held out a document that displays my credit card and personal information, which of course they could have obtained from my credit report or EVEN CITIBANK to try to substantiate their claim. Citi has NOT been user friendly or working on my behalf in this matter. In fact, they have made this dispute very time consuming and often apprehensive, because I pride myself on credit reputation, especially as it unfortunately has been made legal to review in determining one 's employability. This experience seems to be that of collusion, because I never gave XXXX  my personal information, and it seems that Citi refuses to stop their attempts to bill me. In addition, I attempted to try to login into XXXX 's website, and the website stated that I did not have an account. I provided this to Citi via an email address that they provided, but they have not responded. Each have demonstrated to be wrong and unscrupulous, and I think this is some form of attrition so that Citi can create a reason to reduce my credit line or deny me a credit card.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and I noticed that I've been a victim of identity theft and found numerous of credit inquiries that I have no knowledge of Here are the names and dates of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA 15usc 1681 cc2 that the " agency '' information appearing on my credit report if stemming from a result of identity theft and fraud must be updated and deleted.
Product: Vehicle loan or lease

It was my first leased vehicle and at that time we were starting a new family. We went to XXXX XXXX XXXX to get an XXXX in XX/XX/XXXX. The sales person showed us that leasing would be a great option for us and that he too leases then gives his car to XXXX to make some money off before lease term. They advertised and agreed to 36 months lease. After going back and forth with the mileage option, they reprinted the agreement with more mileage but changed the term of lease to 38 months. We did not notice the change that was made and we were under the impression that it was still 36 months as discussed. During the time of COVID around XXXX or XX/XX/XXXX, when situation got rough, we called to see if they can take the car back and help us out. It is then we were told that our lease term is 38 months. We looked at the agreement and saw it was 38 months. We reached out to the financial company and they told us to go to the dealership. We went to the dealership and they told us that this would be something XXXX financial would be able to fix. The dealership tried to get us into another car, which we declined. Now that we are coming close to 36 months, we get a registration letter from XXXX saying that renewal is due XX/XX/XXXX. The registration amount is close to what we pay for 1 month of payment. We called the financial service and spoke to the manager and they said there is nothing they can do. We are not stuck either taking a loss on either the DMV fee or handing the vehicle early with payment for 38 month term. I felt like we were scammed and no one was able to help us. I would never do  business with XXXX again nor would I recommend anyone to shop at XXXX XXXX XXXX. We felt deceived, especially because the sales and the finance department of that dealership were the same cultural background as us and they used that to their advantage by tricking us with various documents. We found this dealership to be shady as all the people that worked their were moved or no longer working there. Which reminded me that the elder white gentleman was upset and there was high tension going on, we went back 1 week later to pick up the mats for the car and that gentleman was no longer working there. Something just didn't seem right at that dealership. I hope they would take this complaint into consideration and make things right.
Product: Checking or savings account

I have a mortgage account for my property in XXXX XXXX with XXXXXXXX XXXX XXXX and have opened an Escrow Account with them. In XX/XX/XXXX, I closed my Escrow Account and the Customer Support at XXXX XXXX said they will return the remaining balance to me via a check, which amounts to {$9400.00}. XXXX XXXX have confirmed that the check have been mailed out since XX/XX/XXXX. On Monday XX/XX/XXXX, I called XXXX they informed me that my check was cashed to a JP Morgan Chase Bank Account. I never received the check hence I did not endorse it and cashed it in. 

XXXX XXXX said that someone may have stolen my mail, forged my endorsement and cashed my check to a Chase account. Chase was at fault for letting the fraudster to cash my check with forged signature. XXXX XXXX sent me a copies of the cashed check mentioned above. I took the check and went to a Chase Bank branch to inform them of this scam that has happened and to let them know that a scammer has an account at Chase bank and that they processed stolen property with a fraudulent endorsement. The Chase rep apologized, confirmed that indeed the fraudster 's account is processing the check, but said nothing they could do to cancel the check till XXXX XXXX filed a dispute. 

After a lot of effort working with XXXX XXXX, on XX/XX/XXXX, XXXX XXXX sent me a letter confirmed that they have filed a dispute with Chase, but the investigation might take after 9 months due to expected delay from Chase.

In my view, Chase allowed the fraudster to cash the check, did not block it timely, now they are taking a very long time ( 9 months ) for this simple investigation ( matching my signature with the fraudster or directly call the fraudster to confront them should be sufficient ). I went to the Chase branch with this information and call the customer service line multiple times explaining the situation, but got no help and these reps said there were nothing they can do to help. 

Another problem I faced with Chase is that since this is not happening with my own Chase account, but the unpermitted check cash-in the fraudster 's Chase account. Everybody I talked at Chase ( either from call center or at the branch ) refused to help, I have to repeat this nightmare each time I talked to a new person trying to get help, spending countless of hours. 

I need this money to be refunded as soon as possible. I can not imagine why a bank will let someone cash a check in my name without my approval and refuse to address the problem timely. This is straight illegal. 

Please look at the uploaded document for police report, fraudulent check with fake signature, and letter from XXXX XXXX
Product: Money transfer, virtual currency, or money service

Called customer service and got disconnected multiple times with claimed wait times of XXXX. They had no ETA for my wire transfer. 

The problem is it shows the money as being withdrawn from my CapitalOne account so I cant use the money there and I cant use it as it has not been delivered to the account it has been wired to.
Product: Debt collection

I made an agreement with the XXXX XXXX courts to payoff amount of XXXX dollars to XXXX XXXX   XXXX in XXXX Arizona who was representing XXXX XXXX of XXXX XXXX, CA. I agreed to pay XXXX dollars biweekly which I did and paid of and settled the account XX/XX/XXXX.  Midland still shows a balance originally of XXXX dollars which I paid XX/XX/XXXX whci was my last payment. Then on XX/XX/XXXX XXXX increased the amount owed by XXXX dollars. I called them to ask them to remove the collection off my account and it is still on the report. They promised to remove it by XX/XX/XXXX and it is still there. They have been very difficult to work with and hard to understand. I just want this paid off collection to be taken of my report I am trying to buy a house and I did do my due diligence to pay my debt they should remove it a timely manner.
Product: Student loan

I had reached out to Department of Education Federal Student Aid Information Center Customer Service inquiring about the status of my student loan. I wanted to find out why my XXXX and XXXX XXXX application has not been processed by the student loan servicer Mohela. I received an email from the XXXX XXXX XXXX XXXX letting me know that on XX/XX/year> that Mohela has processed the XXXX and I should receive a letter from Mohela to tell me that my loan was paid in full by the Department of Education. However, when I look on my Mohela online account it shows that I still have an interest balance that I am still on the hook to pay. When I reach out to Mohela they can not provide concrete information to me about this discrepancy. I call Mohela every two weeks to get an update about my account and every time I speak with a different supervisor and every time, I am given the same generic answer. They don't know how to get this issue solved so that I can move on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Product: Credit reporting or other personal consumer reports

The family protection act. I never authorized the XXXX XXXX, XXXX, XXXX, and all credit reporting agencies to share my student loan information it violates my privacy. I have had ID theft reported in 2024 that was significant. It was disputed and removed. There needs to be more privacy rules preventing these companies from acquiring our information without consent. 
Thank you