23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

These are following companies that took money and put hard pull on my credit. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX hard pull never recive any services from the following companies. 

Also it has been 13 years of XXXX  arzonia placing a lean on my name preventing my moving foward in life.
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN : CEASE AND DESIST Any and all collection activities, including reporting of ; or verifying of this account on my credit reports. In the event of noncompliance, I reserve the right to file charges and/ or complaints with the CFPB , XXXX  and XXXX XXXX  XXXX  for violations of the FDCPA, FCRA , and Federal and State statutes on illegal collection activities on any account in violation of Texas state and Federal law.

The statute of limitations has expired.

The Statute of Limitations for Personal Loan debt in Texas is 4 years.
Product: Credit card or prepaid card

I received a US Bank Rewards Visa card with a XXXX balance on XX/XX/XXXX. I made to purchases, one for XXXX on XX/XX/XXXX and the other on XX/XX/XXXX for XXXX. Shortly after, I lost the card during a move. I called the Cardholder Services, but I was told that they could not help me because I didn't know the number on the card. I later found the card and contacted Cardholder Services on XX/XX/XXXX. I was reissued another card since the previous one had expired. The new card had a balance of XXXX. At the time, I couldn't remember how much money was left on the original card. I made a small purchase with the new card. Unfortunately, I lost the card again. I contacted Cardholder Services on XX/XX/XXXX and spoke to XXXX. This is when I learned that I had been charged a XXXX replacement fee on the first card and XXXX inactive monthly fees starting XX/XX/XXXX and proceeding for the next eleven months, ending XX/XX/XXXX and totaling XXXX. I was not made ware of this in the first phone call. XXXX told me that he could not help me with the fees and I needed to contact US Bank. I asked him to reissue the card for the remainder of the balance, but he said that the balance was a little over XXXX and he would have to charge me a XXXX fee, making the card worth nothing. I asked for US Bank 's phone number and was told that they don't have it. I found a number for US Bank. I'm not sure who I spoke with there, but she was not able to help me and referred me back to Cardholder Services. I then spoke with XXXX, employee # XXXX. She put in a request to get the fees credited back to me, but told me that they probably would not do it. I asked to speak with a supervisor. XXXX, employee # XXXX, the supervisor, told me that he could not help me and I needed to speak with US Bank, but he did not have a phone number for them either. I called Visa and spoke to XXXX. I was again informed that Cardholder Services would help me with this and she transferred me to XXXX XXXX to get the issue resolved. XXXX told me there was nothing she could do to help and I needed to contact US Bank. 
These are disgusting corporations that have found loop holes in the legal system to make money without offering any services or products.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate collection account on my credit report. I cancelled my XXXX XXXX and moved due to XXXX, but was erroneously billed for an additional cycle. I also returned my equipment as I was supposed to and they say they didnt receive it and thats why im also charged additionally. This inaccurate information is damaging my credit score and should be removed from all three credit bureaus immediately.
Product: Credit card or prepaid card

On  XXXX   XXXX ,    2017  I made a purchase at Home Depot on  XXXX   XXXX   XXXX  in  XXXX  Virginia. The purchase was for just over {$200.00}. When checking out the clerk asked me if I want ed a Home Depot disc ount card. He said it would take {$25.00} off my first purchase. I said yes assuming it was a store membership card such as a  XXXX  care card. Only after seeing my credit limit pop-up did I understand that this was a credit card. I asked the clerk if this was a credit card or discount card. He said he gave me a {$25.00} discount. I asked him to clarify again was a credit card or just a store discount card and he said it was a credit card. I complained to customer service and the store manager, and then called the credit card company, Citiban k North America, to c ancel the card and pay the full amount. I informed the credit card rep that I would file a complaint with the cfpb, and he said he would also file a complaint on my behalf.
Product: Checking or savings account

Regions Debit Card and Pin Number were stolen from me on XX/XX/XXXX around XXXX XXXX AM. The card was taken and used for over XXXX transactions across XXXX until around XXXX AM on XX/XX/XXXX. The debit card was immediately frozen around XXXX, while XXXX more attempted charges were denied. 
I have been using Regions Bank for roughly XXXX years, and this is my first fraud claim incident. A list of the transactions are listed below as they were posted on XX/XX/XXXX : * XX/XX/XXXX Card Purchase XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( place of theft ) XX/XX/XXXX ATM XXXX Regions XXXX XXXX GA XXXX XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX Purchase XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX Purchase Wal-Mart # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX Card Purchase XXXX House XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX PIN Purchase Qt XXXX Outside XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX Wal-Mart # XXXX XXXX XXXX GA XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX After finding out my debit card was used throughout the night, I drove to the Regions office to dispute the charges and get a new card. I filed a fraud dispute with Regions the morning ( XX/XX/XXXX ) the charges were posted ( and no longer pending ). It was declined after XXXX business days. 

After filing a police report and reopening the claim, the claim was denied yet again. They refuse to look into their own ATM cameras to help my case and seem to be just pushing me along to deny me every XXXX days with no further investigation. 

I have received fraud alerts ( or denied use ) for my own {$40.00} purchases, but not when a thief stole over {$2300.00} over the course of one night.
Product: Vehicle loan or lease

I got a car from XXXX XXXX and only had it a few months.Its way over priced buy here pay here.I put {$1600.00} down XXXX  over 100 miles on it.I pay every two weeks to loan company.Pay extra for warranty that I can't use.My car is not running good., It's financed for over $ XXXX have been trying for months to get it in to be repaired. The two shops they use are backed up more than 15 days.My 30 day warranty ran out thst the car lot uses.So now I have to go thru finance company 's repair service. I have been trying to get someone to repair my car but no luck. I'm not behind I'm paying more than, {$400.00} every two weeks.My loan has been voided in my eyes. I am very serious about taking this to court.I ve emailed and spoke with both parties involved. I was told I can drop the car off and it will be 15 days before they can get to it.This is my transportation to and from work.Its not running good its gon na be parked.I want all my money back and my loan voided.They work together and I'm a consumer that have been treated unfairly and I don't want to have any dealings with either parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  about a inquiry that i did not authorize nor give anyone the permission to use my name or credit, they keep me on hold then never come back! 

I want this off my credit asap!
Product: Credit card or prepaid card

A card through a destiny credit card company was opened in my name. I didnt know about the card until they started calling me for collections. Ive contacted the company to resolve it twice. They say theyre investigating it again. Im trying to refinance my mortgage but this is showing up on my credit line. I tried to pay it off just so I can get the mortgage loan but they wont let me pay it either because its reported fraudulent. At first the company said o could pay it out of a savings account. I told them I wasnt comfortable giving them access to my savings since its fraudulent charges to begin with but I could pay another way. They sent me back to their fraud department and said they would look in to it again. Thats when I contacted this government fraud department.
Product: Student loan

I am very frustrated with Navient. I have called them many times about the issues represented and each one continues to impact me in a confusing and negative way. I feel that they have wronged me in their communication and management of these issues. 
I was placed in deferment without consultation, both in XXXX of this year and in XXXX of this year. I called both times to cancel the deferment. During the XXXX deferment call to Navient the customer representative told me it would be wiser if I stayed in deferment because interest would not be collected on one of my loans. So I choose to stay in deferment. 
I received 2 emails on XXXX XXXX saying my deferment was approved due to being in-school. I felt this was correct as I had spent a lot of time on the phone with a representative ensuring that I stayed in deferment. 
THIS IS THE IMPORTANT PART. During the XXXX log-in to navient.com I also realized something weird was happening with loan number 1. You see, I had paid it off in XXXX, on either the XXXX or the XXXX. Navient.com fails to show where the payments were allocated, only that the payment occurred, so I can not track which payment went where. I was alarmed to see that during XXXX, loan number 1 was owed XXXX XXXX How can a payment be negative I wondered? I called Navient again. I was told that a loan being paid in full took weeks to process, and in that time the XXXX $ would be re-allocated to another loan. There is no evidence that this ever occurred. I never received an email or payment to my bank account. 
Fast forward to today. There is no evidence that this re-allocation occurred. Though I received an email XXXX XXXX that loan number one was paid in full, today, XXXX XXXX, it is listed as under auto-pay. I received an email on the XXXX of XXXX saying thanks for the payment of {$250.00}, which apparently was taken out of my accounts without my permission as I have been in deferment for over 2 weeks, and which was apparently taken out for a loan that I 'd already received an email confirmation had been paid in full. Today, XXXX XXXX, loan number 1 is listed as XXXX XXXX I called today to inquire into this matter and was simply told, it takes 2-3 weeks to process everything and I would receive a message when that XXXX $ was re-allocated. I ca n't trust this as I never received notification that the original XXXX $ in XXXX was re-allocated or returned to my bank account. I can not trust this because although I paid off that loan more than 1 month ago it is still showing up in the unpaid area of my loan page. I can not trust this because although I 've been in deferment for more than XXXX weeks loan number 1 is still listed as being in Auto Pay. 
Please help me. I believe Navient is treating me in an unfair and unjust way, and that they are no longer behaving as if they are accountable for the money I am sending them. This is causing me a lot of stress. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I attempted multiple times to obtain an Experian credit report thru XXXX. Each time the Experian website timed out. 

I then attempted to use the " Add a Security Freeze '' option on Experian 's website ( v ), but that also timed out/did not load. 

I also attempted to do both using different browsers ( XXXX and XXXX ).
Product: Credit card or prepaid card

I accidentally made a {$560.00} payment to a closed American Express XXXX Credit Card account on XX/XX/2020. XXXX cancelled my card a few years ago and my XXXX credit card was transferred to XXXX XXXX XXXX card. American Express told me they had my {$560.00} payment but will no longer forward to XXXX. They told me my bank XXXX XXXX has to reverse the payment. XXXX XXXX says they can not reverse that type of payment. When I call American Express back they claim they now " dont '' have my {$560.00} because that account is closed and it would automatically go to XXXX. XXXX as of today says they do not have that payment. When I initially called and put in my old closed American express number the recording said I they had my {$560.00} payment. I have talked to American Express three times yesterday. I talked to XXXX once yesterday and keep checking my account to see if it posts and nothing yet. XXXX XXXX is sending me proof American Express got the payment but will not give me anymore assistance to get my payment of {$560.00} back. It can take 7-10 days to get it in the mail but I am sending you a screen shot of the payment that was taken from my account for now. Please help me.
Product: Checking or savings account

Several days now I can log in online or mobile but when I tap or click the personal checking account - it takes me to a blank screen, I have not been able to view my account activity, and the bank rep have not been able to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been denied housing due to alleged eviction. The eviction is listed from residence of XXXX XXXX. Address XXXX XXXX XXXX XXXX, TX XXXX. I have no knowledge of this address, let alone an alleged eviction. This is my second attempt to resolve this issue. 
I have also taken things into my own hands and retrieved confirmation from the apartment contract that the Social Security number does not match mine. I want this and any other alleged eviction attached to the incorrect social Security number be removed from my consumer reports immediately!! 
This has caused extreme hardship, denial of a home, and mental anguish.
Product: Credit card or prepaid card

I ordered a laptop in XXXX and I never received it. I told best buy that I didn't receive it and the tracking reflects that It was mis-delivered. They refused to help me so I filled a billing dispute with the Best Buy Store Card. After months of it being worked on they dropped the dispute by saying that my card was reported missing. I DID NOT call in and tell them that I lost my card by any means. By them doing this, they have mis-handled my dispute and effectively locked me out of being able to dispute the charge again.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to 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 ( Block, Inc. ) due to 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 redres for these violations. 
I want the CFPB to publish this
Product: Debt collection

I got a text message from phone number XXXX threatening me with lawsuits etc for debt from American Express. I was victim of identity theft and had informed all these companies of the same. Please see below the text content. 

ATTN : XXXX XXXX, I received an order in my office today to complete the filing of lawsuit towards your American Express Card. You are currently being investigated for the same at this point of time as it's a case of debt evasion. 
I'll be verifying your current address and your employment history. In the meanwhile it's your responsibility and legal right to contact the plaintiff prior to being served by subpoena. 
The best number to reach the plaintiff would be XXXX. 
Failure to comply will result in forfeiture of your right to dispute the matter and a complaint will be filed in your local county.

Kindly consider this as a legal notice and not as a threat or warning.

Regards American Express.
Product: Checking or savings account

I had a dormant account with Bank of America. Bank of America continued to charge monthly maintenance fees until the account was empty. After the account reached {$0.00} balance, Bank of America charged maintenance fees rather than close the account - leaving me with fees to be paid. Bank of America has threatened to send to collections for payment of fees rather than simply close the account when the account ended at {$0.00}. I contacted Bank of America at XXXX ET on X/XX/2017. Bank of America Representatives transferred me to a department and I was disconnected.
Product: Mortgage

My complaint is about a transfer of loan servicing. My mortgage loan is transferred to Rushmore Loan Management Services LLC effective XX/XX/2018. l mailed the payment due in the same amount due from my previous servicer. I just received a letter telling me the payment amount has been increased and Rushmore did not explain why the payment is increased. It is impossible to speak with the servicer via telephone because they say they can not find my account. It is not possible to make a sign-in account on their Internet site because a message appears that says my information does not match my account. I am using the same information that I received in correspondence from Rushmore. I did some Internet searches and discovered a litany of abuses by this servicer, one being the obstruction and/or refusal to accept payments. So my situation is that I mailed them a payment and now Rushmore says the new payment amount is higher and I don't know how to solve the problem. I do not have the ability to accept their phone calls, yet they say that my account can not be available to me unless I talk to them on a phone call which they originate. The requirement for me to be accessible via a telephone call originated by Rushmore is obstruction of account access and other options that are available i.e. electronic, are also denied access. It should not be this difficult to obtain information and make payments. I suspect it is intentional obstruction.
Product: Bank account or service

I went to Union Bank XXXX XXXX XXXX on XXXX/XXXX/2016 early morning. I asked XXXX XXXX to reissue a cashiers for me because the spelling of the name of recipient was wrong. She rejected, and told me to go to downtown Union Bank that issued the check. I am so surprised that same Union Bank do not honor its own check. 
I had no choice but went to downtown LA Union Bank, the traffic was so bad, I stuck on freeway over an hour due to the oil pipe was leaking. Union Bank LA told me that any Union Bank shoud issue another check for me. 
I went back to XXXX XXXX Back in the afternoon. After I told my story, branch manager told me that he wanted to hear what XXXX XXXX said instead of checking the record to see if I went to XXXX Bank. He said that he will coach XXXX XXXX if it is true. I believe he should coach XXXX XXXX before she started working in Union Bank. Anybody with brain should not reject the check of its own bank. I was so surprised what a branch manager did to me, so I said no wander the teller did what she did. He said to me immediately that he did not believe what kind of customer I am. He encourage me to complain against him. 
My checking account # XXXX XXXX XXXX Extra Account # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated a money transfer from Ally bank to XXXX using XXXX. Of course I had to provide information of my bank account to initiate the transfer which I did. On XX/XX/year>, I received an email from fidelity stating there was a problem with the linked bank account. So I tried to resolve it but I could not because the transfer caused my bank account to be blocked. I called customer service and the automated system required me to enter my phone number. I entered my phone number associated with the account and the automated machine could not find the number!!! A representative came onto the phone and I provided all the information to them that verified my identity. The representative transferred me to another department and I provided all the information and answered their questions that verified my identity. My account was escalated further down. I asked how long it will take to get it unblocked and no answer was provided. Just a I dont know. I verified my identity AND answered personal question that identified me and still couldnt get my account unblocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I called, left a voicemail, and faxed a letter to the consumer reporting agency, SageStream , LLC. My goal was put a security freeze my SageStream consumer report. Per, their website, you can initiate this request via Fax. I followed the directions listed on the website regarding how to initiate a security freeze request via Fax. After sending the fax, 1 or 2 business days later, I called again to see if they received the fax. No answer. Left voicemail ; no returned call. 

I'm uncertain if they received my fax or not. 

No one is answering the phone. They have an option to leave and voicemail. It's been almost a month, and I've received no return phone call. 

I contacted them again, XX/XX/2019, using the same method. Again no answer when calling and no returned phone call. 

I called 3 times again today, XX/XX/2019, still no answer. 

I've initiated this same process with XXXX XXXX XXXX ( XXXX ), XXXX XXXX, and XXXX. All have sent me mail confirming initiation or completion of the security freeze. 

No contact or mail has been received from SageStream.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$3000.00}