23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On my dashboard thru unemployment status on money kept saying in progress was told money wouldvbe posted any day for a full month 1/2 I'd call my card said XXXX balance each time I finally logged into my account n saw money was posted from mid XXXX Up until ends of XXXX as soon as money was posted it shows it got took.out says cardtronics I filed a dispute on all transactions that came up to a total of XXXX filed a claim received a letter stating my account was on hold on frozen. Spoke with them was sent a new card and was told my cars would have a credit put on as soon as my card came in n I activate it when card came in my claims was closed and was told no further action would take place I reopened my claims and once more it was closed I asked for all relevant documentation to be sent to me and was transferred to a caseworker was on hold for 30 min and the call got hung up. Now I call n they cant further assist me or look at my claims because nothings found on their system not card number not thru social security number or claims number this is money from the state o would think it has fraud protection and bank of america is not even trying to fix or give a solution ..
Product: Student loan

I have submitted for loan forgiveness through the PSLF waiver back in XXXX. Per Dept of Ed I should have been direct to discharge months ago as I have been well over the XXXX payment count. I have been in touch with mohela dozens of times about this. I get a different excuse each time but they all say my payment counts have been sent to Dept of Ed. Dept of Ed says they have not. Dept of Ed states Mohela tells people that when it isnt true. Meanwhile people whove applied six months after I did are having their loans forgiven. I dont know what else to do. Please help.
Product: Student loan

I have previously requested lower monthly payments with Navient, my primary private student loan lender. I consistently have insurmountable issues with them and with repaying the loan. I 'm currently making {$780.00} a month payments on {$89000.00} loans, of which all of them have interest rates higher than 9 % ( two of them are over 12 % ). Effectively, I 'm paying interest only payments every month with minor scrapes into the overall chunk. I can barely afford to pay the {$780.00} a month and need to lower my interest rate with this company but they will not allow me to do so, given the terms of the loan. I 've tried to consolidate my loans with other companies but my debt to income ratio is too high and I am denied time and time again. Cosigning is not an option for me - I have no one willing to take the risk and my mother is fighting a foreclosure on our childhood home. 

I am full on drowning in student debt and am living on $ XXXX a week. I need help and I do n't know where to turn but this seemed to be a step in the right direction. Please, I 'm desperate for help.
Product: Debt collection

The company name is Valentine and Kebartas. 
After missimg multiple calls a day from this company I finally spoke with someone on XXXX/XXXX/16. XXXX had sent my final bill to my old address and I never got it. The person I spoke to at Valentine and Kebartas corrected my address and arranged to send out a reprint of the bill. She waved the ridiculous {$5.00} fee to have the bill reprinted. I let her know that I would be taking care of the bill as soon as I received it. 
Not 1 day later the calls started again. 
I received a call this morning by a very pushy caller and was told that if I was taken off the call list without making payment arrangements my bill would go into collections. I asked why my file had n't been updated to show that I was cooperating and s ( he ) said their system just does n't show everything. 
When I complained about their repetitive calls the caller said that legally the system could call my phone up to 6 times per day. This is harrassment and also threatening by saying my bill would go into collections. 
By their admission, even though I was cooperating, they were going to call me up to 6 times per day until my bill was paid. 
These are nnacceptable business practices. 
Please look into the company.
Product: Credit card

BMO sent a promo rewards offer of spend {$600.00} per month on card, receive {$25.00} cash back, able to use in XXXX and XXXX. Never received reward and called. They claimed offer was for " another card '' even though I had a hard copy received in mail for offer. 

Obtained a supervisor in XXXX who promised to honor the offer, swore up and down I would receive the {$50.00} in rewards but at the end of XXXX. No rewards. 

Called again to have a supervisor insist no such promise took place and additionally claimed the offer was for " a different card '' and I couldn't obtain it. 

Bait and switch and also brazenly lied to by customer support. I spent {$1200.00} on their credit card in order to receive this {$50.00} in rewards and never received it and worse, keep on the phone for hours trying to get it to have someone argue with me that there never was the offer in the first place or it's on a " different card ''. 

XXXX by XXXX, bait and switch. 

Documents were offer which I no longer have but also phone logs where supervisor promised I would receive the {$50.00} at the end of XXXX. BMO magically claims there are no such notes when I specifically demanded the supervisor make those notes in the account and he swore he did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly Update all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU OXXXX LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

At this moment, XXXXXXXX XXXX  actions appear to be deliberate. Despite my extensive efforts, they have only succeeded in removing the fraudulent debt associated with XXXX XXXX. Shockingly, within a week, they replaced one inaccurate debt with another. It is imperative that XXXX understand that I have no outstanding debt with Discover or any pre-bankruptcy obligations. There are no financial responsibilities owed to XXXX, Discover, or any other entity. It is astounding that a major credit reporting agency would operate in this manner. I am actively pursuing legal recourse, though it should never have reached this point. What actions will the Consumer Financial Protection Bureau ( CFPB ) take? This situation necessitates more than just a message to XXXX. The CFPB must take resolute action against XXXX if they persist in retaining discharged debt on my credit report, as it is clearly unlawful.
Product: Debt collection

Today XX/XX/XXXX at XXXX XXXX time. I called TransWorld systems XXXX the collection agency. I also called XXXX XXXX the electric company. I asked XXXX for a copy agreement that was signed between me and them and was informed there was no agreement signed between me and Transworld. I then asked that they remove this fraudulent account and was told no pretty much. I also called XXXX XXXX and asked for the account information, a copy of the signed contract and the date of enrollment as well as the contact information for their fraud department. I was also told this account was opened in XXXX and was provided with an account number. I also have contacted all XXXX credit bureau agencies.
Product: Credit reporting or other personal consumer reports

I filled out a retainer for XXXX XXXX law firm in XXXX. I signed a retainer and was not pleased with how they were handling my case or lack there of. Every couple of months they gave me a new lawyer for my case and they never provided any discovery for the case. The original retainer was supposed to be prepayment and once they have fulfilled the services a new amount would be sent. This took place 4x because once they emailed me that it was getting close they requested another retainer amount. I was so displeased with their service and how a new lawyer yet again was placed on my case calling my daughter XXXX when her name is in fact XXXX let me know how much my case was being mishandled. I submitted a XXXX review and the owner XXXX called my phone to try to negotiate me removing my honest review for me to get what they were going to charge me removed and start an entirely new fixed rate retainer. I was hesitant because I truly felt they were mishandling my case but I wanted to save the {$5000.00} that they were going to charge me for my next payment of the retainer. Upon getting an email from lawyer XXXX that if no payment was made to stop working on my case, I provided an additional payment to have them finish my case. I then paid an additional {$2000.00} totaling {$14000.00} just to have an incompetent lawyer show up to my hearing with zero knowledge of what he was supposed to do. I dis not get an opportunity to even speak at the hearing that I called because he said it was not necessary. Fast forward to my case being done and they sent me a bill for $ XXXX plus. I was outraged and disgusted and told them they need to refer to XXXX as well as the retainer and the email because there should not be any money at all owed to them. They sold my made up bill to XXXXXXXX XXXX XXXXXXXX and they have been calling me nonstop about a bill I do not owe. In fact I should be refunded because they did not uphold their side of getting of our agreement or produce any discovery at all. I provided all information and they did not submit it to the courts or provide my income and bills that were sent to them as proof. I also want to put on record that asking someone to remove a legitimate XXXX review or " pay '' or compensate them is illegal.
Product: Credit reporting or other personal consumer reports

I filed a FTC and law enforcement report claiming that this account was not opened by me. Pursuant to FCRA 605B ( 15 U.S.C. 1681-c ) that account was to be removed or blocked. I never received verification of the account. I never received confirmation that I signed or notarized any statement claiming that account. I sent the company copies of my reports and they were ignored. I sent certified mail to the credit bureaus with my reports and they were ignored.
Product: Vehicle loan or lease

I Went To XXXX XXXX XXXX & put a XXXX down payment on a vehicle my first month Carnote was due XX/XX/2019 my sales person instructed me to pay in cash XXXX to the dealership. On XX/XX/2019 my car was repossessed due to a 72 day behind payment which was the first carnote payment i called my bank and told them that i paid my dealership the first car note of XXXX and i have the receipt the bank stated they havent received anything, when i spoke with the dealership they stated that Santander bank took that out of there check, Santander bank wants me to pay off & also i am a first time buyer, they said it was a 24-48 hour investigation but it appeared on my credit in debt the same day
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a balance due of {$8400.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This loan was originally for a motocross bike. The bike was under dealership/factory warranty. The bike began having mechanical issues so I took it back to the dealership for in-warranty repairs. The dealership refused to fix the bike and I was not going to continue to make payments on a bike that was not running properly. The dealership agreed to take the bike back and consequently there is no outstanding balance to report. This false reporting of lates and a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.
Product: Mortgage

Application was made and the appraisal was ordered by the lender, we paid the {$550.00} fee only to have the appraiser come out and decline to do the appraisal!? What!? This negligence caused us to be declined by that lender and start over with another lender resulting in losing our rate lock. To add insult to injury they not only did not perform the appraisal they were hired to do, but they also only refunded us {$250.00}! Keeping {$300.00} of our money. 

The second lender also ordered an appraisal, and everything went smoothly as we expected it to go the first time!
Product: Debt collection

I am disputing the referenced account on my credit report, highlighted in yellow attached. I am a US Veteran and my wife and I are in the process of purchasing a home. My wife is XXXX and we need a home to bring our son home to, I am trying to utilize the VA Loan and I paid off a debt to LNVN Funding , LLC, proof attached, in an effort to bring my credit score up to the required XXXX. I was instructed by the company to contact your establishment to assist me in removing the debt from my credit report in an effort to raise my credit score. I have attached proof that the debt was settled and paid in full with no further obligations from me.
Product: Credit card

I established a credit line with TD Bank  on XX/XX/year>, to finance a purchase from XXXX XXXX. Since opening the account, I have been unable to make payments through the online payment portal. The system prompts me to add a payment method, but when I attempt to do so, I receive the following error message : There was a problem with your request. Please contact customer service for further assistance. 

I contacted TD Financing customer service about the issue, and the agent acknowledged that the payment portal is broken. Their only advice was to try again later, and that I could make a payment by calling in. 

The documents I received from TD Financing specifically encourage me to create an online profile to seamlessly manage my account and make payments, and there is a direct link on the portal to do so. If this feature is prominently presented in communications to customers and marketed as a convenient, user-friendly, and reliable way to manage payments, it is reasonable to expect it to function properly. If TD Financing is aware that the system is broken, proactive communication with customers should be a top priorityeven if its as simple as a banner on the website. Instead, the portal shows no notification of this known issue, and the error message misleadingly states there is a problem with MY request, when in fact the issue is with THEIR system. This creates confusion and undermines trust in the platform. 

It is unacceptable to provide a digital system for account management and payment processing, promote it in customer communications as a standard feature, and then fail to maintain its functionality, and not even communicate known issues to users. This lack of transparency creates unnecessary frustration, erodes customer confidence, and raises serious concerns about my ability to make timely payments without risking late fees or harm to my credit profile. 

In todays digital era, where consumers expect fast, secure, and reliable online tools for financial transactions, it is astonishing that this issue has not been resolved with more urgency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I just checked my credit report today and it has a new unknown inquiry that has appeared on my XXXX XXXX report on XX/XX/22 stating that I owe a balance of {$3700.00} to XXXX XXXX  XXXX by way of XXXX XXXX. I spoke with a collection agent from XXXX today and the residence that theyre saying I owe a power bill balance for, I never even lived at, nor do I know anyone in that area. So the agent advised me to contact you and to file a Fraud ID report.
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This account reported on XXXX : XXXXXXXX XXXX XXXX XXXX  Account XXXX {$17000.00} Date of OPEN in XX/XX/XXXX Date of Last Activity XX/XX/XXXX This account reported on TRANSUINION : XXXX XXXX XXXX XXXX XXXX {$17000.00} Date of OPEN XX/XX/XXXX Date Of Last Activity XX/XX/XXXX This is being reported inaccurately on with different dates and illegal renewing of the dates of this account. 

Inquiries I did not authorized have been pulled without my consent! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX This account was reported and disputed back in XX/XX/XXXX when the bureaus said is was accurate. 

This acount has been illegally reaged and not accurate in it's reporting. 
XXXX and TRANSUNION did not investigate to show accuracy and protect my rights as a consumer! 

I have attached the credit reports showing blatant fraud and violations of my consumer rights to privacy and fair and accurate reporting. 

Delete this account and inquiries, or I will sue for blatant fraud and blatant violations of my rights.
Product: Credit reporting or other personal consumer reports

Iam a XXXX XXXX XXXX man. I have been working XXXX & filing tax returns since then. Why does my report not show any employment from XXXX thru XXXX when i started working for XXXX XXXX I worked at XXXX  from XXXX XXXX. My report is missing data from XXXX .It also does not show my mortgage from XXXX while living at XXXX XXXX XXXX, XXXX, pa. XXXX. XXXX
Product: Credit card or prepaid card

Hello, I am reaching out in regards to my account with CHASE Freedom Account Number : XXXX XXXX. Im looking for assistance with 15 U.S. Code 1666d - Treatment of credit balances. 

This section goes into creditors refunding obligor. Basically, whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 

For my Account Number : XXXX XXXX Id like for CHASE to credit the amount of the credit balance to me. The refund can be in form of money order or check accordingly to the above. 

I have attached the statement that reflects the credit that is owed to me from CHASE
Product: Credit card or prepaid card

1. I have paid off two Citi cards on XX/XX/2020, one for {$270.00} and the other for {$110.00}. I paid a total of {$380.00} and paid by phone. The lady from Citibank took my money and told me that both cards were closed, apparently neither card was closed. Because Citi Card continues to debit my bank account. I believe Citi cards deceive and discriminate against XXXX cardholders. Because we are XXXX cardholders, Citibank Cards do whatever they like to make false statements to continue debiting our bank accounts, took our money from our bank account. 

2. And also from the last statement I received from Citi Card, I  did not see Macys transition statement from my account that is deception and false and fraud statement.
Product: Credit card or prepaid card

Last year, I received notice that my Costco Anywhere Visa Card account was to be closed because I no longer had a Costco membership, even though I did. I tried in XXXX to notify them of my membership status. 

In XXXX, my account was closed. I contacted Citibank, who told me to contact Costco. I went to Costco, who told me to contact Citibank, though they called Citibank for me, at which time I explained the issue. Citibank told me over the phone they would reopen my account and send a new card to me.

After two weeks, I tried contacting Citibank again, via live chat on the Citibank website, as I could no longer sign in. I was told that I would not be getting a new card and my account would remain closed. I stated that I could not access my account to pay off the balance. I said I had not received a statement since my account was closed. I had been signed up for paperless statements. He told me that I had been receiving paper statements, giving me a date of the last statement sent, although I hadnt received it.

To date, I have yet to receive a paper statement and a means to pay off my balance, though Citibank has been collecting interest since XXXX on my account, with no way for me to see the charges or pay the balance off. I do get an email notification each month when the automatic payment is made, along with a link to pay a different amount on my balance. That link takes me to the sign in page, of which I can no longer sign into, as I no longer have an open account. 

Citibank owes me for the interest/finance charges accrued since my account was closed. Citibank needs to send me a paper statement showing the corrected balance, so that I can pay it off in full. 

It has been 2 weeks since my last attempt to contact them.