23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The credit card account ending in XXXX was opened in XXXX. The balance remaining was less {$150.00} on a {$250.00} credit limit. 
All of the payments were paid on time. A Chapter XXXX was filed the U.S. District court in XX/XX/XXXX and this debt was included. The trustee sent all payments to Capital one and left a XXXX balance on the small debt initially owed. The case was discharged in XX/XX/XXXX owing no debt to Capital One. Last year, a past due amount reappeared and I contacted Capital One, they pulled the bankruptcy findings and corrected the debt as they should have. 
A year later, Capital One has decided to re-collect in debt not owed using unfair and deceptive practices. After speaking to a rude XXXX, ID Operator number, XXXX, she stated they can keep this debt on 10 years even though although nothing is due. This debt is now over 8 years old and it was all satisfied in XXXX. No one at Capital One could explain last payments received by trustee or why this this collection reappear year after year. No one would escalate to a manager to get clarification.
Product: Credit card or prepaid card

In XXXX and XXXX of XXXX I made a series of balance transfers to my Citibank credit card totaling {$5600.00} ( including fees ). At this time, Citi had offered me a promotional 0 % apr on transferred balances through XX/XX/XXXX. In XXXX I added an additional fixed-repayment balance of {$6600.00}, something Citibank markets XXXX a " flex loan. '' This " flex loan '' balance is and was subject to an apr of 9.99 %. My most recent statement, dated XX/XX/XXXX, confirms that the promotional apr rate for transferred balances expired on XX/XX/XXXX. At this time the apr for the transferred balances increased to 21.49 %. I made a payment on XX/XX/XXXX for {$5300.00}. According to Citi, this was the amount that I needed to pay to satisfy the minimum due on my account for that statement period and pay off the remaining balance from the balance transfers made in XXXX and XXXX. On the Citi website, this figure is described as the " adjusted new balance '' ( not really a new balance this case ). The amount of the payment I made in excess of minimum due ( {$190.00} for this statement cycle ) should have been allocated to the highest apr balance ( 21.49 % ). My statement from XX/XX/XXXX indicates instead that the payment was allocated entirely to the " flex '' balance at 9.99 % apr, contrary to both Citi 's stated policies and federal law. As of this statement, I still have a {$5000.00} balance at 24.49 % apr and I was charged interest at this rate for the 8 days from XXXX to XXXX. I reached out to Citi on XX/XX/XXXX via online chat to ask them to correct the misallocated payment. The chat agent acknowledged that Citi 's handling of the payment was contrary to federal law but stated that their system allocates payments automatically. He declined to correct the mistake, stating there was nothing he could do on his end. I find Citi 's behavior here to be predatory and I have a hard time believing that Citi hasn't deliberately set their system up to yield this exact result, given that they stand to gain a great deal of money in higher interest charges from these types of " mistakes. ''
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and noticed that I have some inquiries that I DID NOT authorize.
Product: Money transfer, virtual currency, or money service

Hi! 
I purchased an item online on XX/XX/XXXX by using PayPal services under they promised protection. 
I filed a complaint with PayPal on XX/XX/XXXX bc the seller havent provided shipping information and tracking information.Payment closed my case bc the seller eventually provided a tracking information.By that PayPal closed my complaint bc by their policy if the seller provided the tracking information for the item they will close the complaint. 
By tracking the package I should have received the item by XX/XX/XXXX but I never did it. 
After calling XXXX they said the package been delivered to other address in our city and an other person and not to us.They say the package never been addressed to usXXXX refused to give us more information bc of privacy reasons. 
After telling this to PayPal they refused to help us even there are evidences on our sides.They havent even opened an another case.I am unfortunately looks like got scammed and PayPal refuses to fulfill they promise to protect me and get me a refund.And also very concerning PayPal doesnt require sellers to provide evidence when they ship the item what is the name of the recipient and what is their exact address.So scammers can just give a tracking information and just send a made up package to a made up random address in the same city. 
The value of the item was 2020 $ It was a XXXX XXXX. 
Please note the proof of delivery does not show the address where the package been delivered.This is bc privacy reasons and bc the package wasnt addressed to me.
Product: Money transfer, virtual currency, or money service

CashApp has been charging my account with various unauthorized subscriptions for about XXXX or 8 months. When I tried to get in touch with these merchants, contact info given was bogus! The first step in getting a refund, according to CashApp, is to alert the merchant of your dissatisfaction, and seek a mutually beneficial resolution ; however, in the money game, you do not have a proper process of dispute, once your money is in a money servicers hands you may as well let it go as lost, right? XXXX no ; I toiled in the hot and every conceivable type of weather and I see no reason to give to scammers! I offer you access to my account to examine it andrealize that these are scam subscriptions and are probably shell companies! I have been impacted negatively by their actions and have determined that I am due compensation for actual costs to my credit and/or finances!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 plus days past due on the XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Product: Checking or savings account

I had a chime account. 
I file 2 different disputes and 2 different rebuttals because they denied my disputes EVERY SINGLE TIME! 
They didnt proceed with any thorough investigations. My claims were denied in less than 24-72 hours. Together the balance of both claims was over {$4000.00}. Ive submitted proof and documents to prove that those transactions were unauthorized. Today. XX/XX/2022 my account was deleted without any warning! I called and even complied with the supervisor of chime and she was EXTREME rude to me and threatened to hang up on me. I am a single unemployed mom of XXXX boys, XXXX XXXX XXXX XXXX  And I am also XXXX XXXX XXXX  with no form of income. I am emotionally and mentally exhausted with this situation. All I need is a little help. 
The first dispute that was filed was faulted by chime. I had an issue with XXXX XXXX before and I politely asked them to block that merchant, they assured me they did. 2-3 months later my purse was lost with all forms of ID and also credit and debit cards. And over {$2000.00} was stolen from me through XXXX XXXX Which was a fault on chimes behalf.

Chime has a policy saying after 10 business days is the dont come to an decision that I automatic receive a provisional credit to my account, but they deleted my account on the 9th day.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I would like to know how you verified this fraudulent account and I would like to see the original agreement between me and the original creditor. 

XXXX XXXX : Amount XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I discovered on XX/XX/23 that my ~ $ 50K in funds on Binance XXXX is locked for no reason and with no warning, as a result I can not access the money that I desperately needed. I reach out to the company many many times over the past month to no avail, ONLY received one templated response!!! And now almost two months in, I still haven't received any resolutions on this issue, and the company still haven't responded to my latest inquiry for resolve this issue. They would only respond with template answers every time I file a complaint.
Product: Credit card or prepaid card

About 14 years ago I was the victim of identity theft. Someone was using my accounts & information to make purchases with my credit card. I contacted discover and the credit bureaus. All of the charges that I did not make were deemed fraudulent and removed from my credit report. I have made numerous calls to discover through the years and thought this situation was taken care of but 10 plus years later I found out, it is not. Last month, I spoke with a very kind & helpful Discover representative who informed me that in 2014 Discover had reviewed my file again and decided that I was responsible for the fraudulent charges. I recently received a court notice saying my wages were going to be garnished. I have talked to the attorneys from XXXX XXXX XXXX numerous times and Discover card and explained my situation to them and specifically told them that I did not make those charges. Their response was that they could not do anything about that and said I had to contact Discover. Discover is now garnishing my wages for over {$11000.00} in fraudulent charges that I did NOT make
!
Product: Student loan

I call XX/XX/year> at XXXXXXXX XXXX. I asked for School Misconduct Discharge Application for my loans that I paid while they were serviced by them and at first they tried to send me to the federal government until I told them it is for private loans and they said my loan was transferred and I have to call the new servicer.
Product: Checking or savings account

Chase bank closed my checking and savings account without my knowledge. When I called to inquire why my account was closed they told me they could not tell me why. This has impacted my credit score and made it drop drastically.
Product: Debt collection

This number called me today. ( XXXX ) XXXX and I kept asking them who they were and what they wanted. They would not identify the type of company they were with and what they were trying to do.It was only after a XXXX search that I found out what type of company they are. they repeatedly refused to identify the company. They kept asking for my by my maiden name and I kept telling them that it hasn't been that since XX/XX/XXXX. i got married in early XX/XX/XXXX. They wanted me to give them my social security number and I kept telling them that I was uncomfortable giving them that information. I kept asking them why they needed it and they said they had received a file on me but would not tell me what kind of file or even hint what it pertained to. So, they then asked me to confirm my address and I said no again that i was no comfortable giving them my info as they might want to use it maliciously. They then said that they had 3 addresses for me and one of them is my current address cause he said the street name. He then kept calling me by my maiden name and I kept telling them that there was no one here with that last name. They kept wanting me to give them my social and address but would not identify themselves and I told them that they were breaking the law by not disclosing that info. he said he would try again later and as I was trying to tell him not to call me back he hung up on me. i spoke to two men, one of whom said he was a supervisor.
Product: Consumer Loan

This complaint is against Chrysler Capital. I have been paying {$300.00} every 2 weeks for a {$590.00} amount due. They advised that I did not receive credit until the entire monthly amount was paid in full. Even though my payments are made somewhat in advance, their " system '' does not recognize this. I requested that do not call and they advised I would be put on the " do not call '' list. They have continued to call ( 4 times ) after being placed on this list. Each time they apologize and say they were in error. Capital XXXX has violated the do not call agreement.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Americollect had been calling me repeatedly over the course of several months sometimes more than once a day while I was trying to sort out the {$990.00} dollar debt out with my insurance company without any written notification. 

Finally, I tried to get the debt validated as I have still yet to see an itemized bill from Americollect or the debtor 's XXXX XXXX XXXX. I sent this validation letter over certified mail on XX/XX/22. On XX/XX/22 I received a letter back that stated nothing but thee {$990.00} balance and the debtors, information that I had gone to them with to get validated. On XX/XX/22 I sent a failure to validate letter over certified mail and they replied on XX/XX/22 stating that my dispute was " firvilious and irrelevant ''. It has been years with this outstanding bill and I have still been unable to get it validated by a debt collector that called my off the hook for months on end while I tried to get my medical bills sorted out as a student struggling during the pandemic.
Product: Student loan

Mohela opened a new account on my credit report today on student loans that are soon the be discharged through the PSLF despite not providing me with a single letter with my account information for the entire 4 months that Mohela has had my student loans. 

I've tried to call Mohela several times only to be on hold for 3 hours.

I am in the PSLF program. I have been a XXXX XXXX XXXX with a single employer since XXXX, and applied for loan forgiveness at the start of the waiver in XXXX. 

My loans were transferred from XXXX to Mohela in XX/XX/XXXX. I've received multiple notices that they will contact me with information and that there would be a short delay, but that was in XX/XX/XXXX. I have still not received any information about my account. 

Three weeks ago, I used a help tool on Mohela to check the status of my PSLF. It shows that my form had been processed and that I would receive a letter in 7-10 days. A letter was never sent, and Mohela has not uploaded any new messages to my inbox. 

Mohela has had my account since XX/XX/XXXX, but has not provided me with any account information at all in the entire 4 months. 

Today, I received noticed from a credit reporting agency that Mohela has opened a new account on a loan that should have already been discharged through the PSLF program. 

Mohela should be well aware that my loans are soon to be forgiven through the PSLF program, and should not have opened a new account 4 months after they have had my loans and after they have failed for months to provide me with any of my account information. 

This is the second complaint that I have filed here, and still nothing has changed.
Product: Credit reporting

I have credit monitoring issue due to an issue that occurred in XX/XX/XXXX year when my credit report was accessed by another person in an attempt to open new credit. The fraud alert was renewed a second time from the original date and recently expired in early XX/XX/XXXX. Recently, I called to ask how to remove some inquiries and the Experian rep told me inquiries are statements of fact and can not be removed. As a credit tracker member, they would not transfer me to the disputes department simply for inquiries. They suggested that I review all of my inquiries and then contact your agency for assistance to remove them if they do not belong on my report. When I called, the following were the issues I intended to address : The XXXX inquiry on XX/XX/XXXX. The reps at XXXX represent it is a soft inquiry as well and claim that a hard inquiry never appears on your report. I also have written documentation from the XXXX website that confirms the inquiry should be a soft inquiry. It is noted SEVERAL times on the website and outlined in the FAQs section. I have attached for review, and I am requesting this inquiry be removed since I did not authorize a hard inquiry be performed by XXXX. 

I have XXXX other inquiries that should be removed. The XXXX from XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I do not recognize those as authorized by me, and I believe I already advised Experian about the XXXX XXXX inquiry should have been removed when they removed a few other unauthorized items ( which they did, so this XXXX must have been missed. ) The final inquiry issue is with XXXX XXXX inquiry on XX/XX/XXXX. I contacted XXXX credit on XX/XX/XXXX at XXXX and spoke with XXXX who did confirm that the inquiry is an error. He stated that no Experian credit file was received under my name on XX/XX/XXXX. It must have been a system glitch when I opened my account because he stated they pulled an XXXX file for the basis of my credit decision with them. I told him that I asked the rep in the store and she said only an XXXX file would be pulled and that is the only one I authorized. He again reiterated no Experian file was received so no inquiry should have been registered on my Experian report. He submitted an inquiry removal form to Experian and documented my account accordingly. I am requesting this inquiry be removed.
Product: Credit card

Purchased with Chase Visa Rewards for an XXXX purchase on XX/XX/2023. I used {$71.00} worth of earned rewards points. When the order arrived, it was damaged. Instead of replacing it, XXXX required that I return and re-purchase it. I was going to have to wait a ridiculous " XXXX business days '' for my refund, in the XXXX century. I have done everything expected of me, through this process, yet I am now faced with the unrealistic expectation of waiting until XXXX for Chase to restore my balance. In the XXXXt Century, this should be a matter of a couple of keystrokes- considering that there is a trail which shows the order, return, and receipt.

I want, simply, my {$71.00} restored to my points balance, immediately. I do not intend to make additional purchases and go further into debt for something that was initially purchased damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX I had XXXX XXXX so could not take advantage of the covid forbearance, so I consolidated into federal direct loans, so that i could at least continue to pay thru the forbearance to reduce my balance. In XXXX, when the president announced the temporary waiver, this program spoke directly to my issue. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX to XXXX. According to the temporary waiver, these payments would count, whereas before they did not. I submitted my signed employment verification along with any other documents need to Fed student aid on XX/XX/XXXX. My info was processed and passed to XXXX, and it was confirmed that i did qualify. By XXXX my payment counts were at XXXX This is where they still are. There has been no movement on my account since it has been taken over by XXXX. My counts don't go beyond XXXX and I just need someone to explain why. It feels like my account has been abandoned. I have tried contacting XXXX and they tell me that i need to just be patient and the counts will be updated. I uploaded a document to Fed. Student Aid that i was hoping to get a response on. I reviewed by past payments and i noticed that the counts stopped at the same time that Fed. Student Aid lists my account as being in forbearance ; my account was not in forbearance, but my servicer changed from Sallie Mae to Navient. I sent this information to Fed Student Aid along with upload of my payment history on XX/XX/XXXX. I got a notice saying i would get a response within 2 weeks. I'm still waiting. It has been over a year since i started this process, and while i understand that there is an enormous amount of interest in this program, i don't think that it is at all reasonable to have to wait over a year and not get any clarification from anyone. I was also sent a letter From XXXX, asking if i wanted the money that i paid through the pandemic pause refunded. I sent them notice indicating that I would ; crickets. I have heard nothing from anybody about anything, except XXXX telling me that I may be eligibel for pslf (! ). It's like they don't know that I exist. What do i need to do to at least get a reasonable response from someone with some knowledge of what's going on.
Product: Credit card

Hello, I reserved a place on XXXX between XX/XX/XXXX - XX/XX/XXXX for XXXX XXXX XXXX weeks prior in XXXX. 
A few days after I made the reservation, I contacted the host and asked what his policy was if I brought my XXXX son. He wanted an additional {$800.00} for him to tag along which I felt was price gouging. 
I asked the renter if I could cancel my reservation, and he can rent his property to someone else and he made the following promise to me : ( see attached ) " You will need to cancel the booking, and I need you to do so immediately, to give the most amount of time for others to book the space ... My existing refund policy will remain in effect until they do - at which point I will refund you here through the app. '' Translating that the host had made a promise outside of XXXX 's refund policy. 

Prior to the rental I looked at XXXX and noticed the property was not available for others to rent and appeared to be reserved for all XXXX nights as the days were stricken from the calendar and it said unavailable when I clicked on those days. 

On the final day I contacted the host asking him for a full refund as he had the place occupied all XXXX nights per the app calendar and he told me he only had the place reserved XXXX of the XXXX nights. I asked him why the other XXXX nights were not available for others to rent and he told me he can do whatever he wants with his property. 

This was a broken promise by him as he promised to rent it to others and with him removing the listing it was a breach of our agreement. 

I contacted XXXX customer support and they told me they abide by their refund policy and acknowledged that he broke his promise and that was okay with them, they offered me a XXXX night refund which I declined. 

I then contacted my credit card AMEX, I have been a customer for nearly XXXX years. I filed a dispute and sent them everything. They said they do not disposition outside of XXXX 's cancellation policy, but they acknowledged that the host had broken a promise with me and it wasn't right. 

I contacted AMEX again today and filed a complaint as they didn't properly disposition my case and would ask the CFPB for assistance with this matter. 

Sincerely, XXXX XXXX XXXX