23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint against XXXX ( XXXX ) and American Express ( Amex ) regarding a failure to honor a lifetime guarantee and an unsatisfactory resolution of my payment dispute. 

I enrolled in XXXX treatment plan for teeth alignment, which included a lifetime guarantee. As part of the agreement, XXXX promised to provide services as needed to ensure my satisfaction. Unfortunately, after XXXX filed for bankruptcy, they are no longer able to fulfill their contractual obligations, leaving me with a service that can not be rendered. 

I paid for the treatment using my American Express card, assuming the charges would be protected under their consumer protection policies. However, on XX/XX/year>, when I contacted Amex to dispute the charges due to XXXX inability to provide the promised services, Amex informed me that they could only dispute the XX/XX/year> charge of {$89.00} and are unwilling to refund the total amount that XXXX charged me. They suggested that I file a complaint with XXXX in attempts to receive my refund. 

This situation has left me in a position where I am paying for a service that is impossible to receive, and I am deeply dissatisfied with the lack of resolution from both parties. 

I am requesting that : XXXX fully refunds the payments I made under their now-untenable contract. 
American Express honors its consumer protection policy and issues a full refund for the total amount charged by XXXX. 

I trusted both companies to uphold their promises and ensure I would not be financially penalized for circumstances beyond my control. I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter fairly and promptly. 

Thank you for your time and attention.
Product: Mortgage

submitted my file for loan modification review in XX/XX/2016 with Bayview Loan Servicing. I have sent my documents and have contacted my Relationship Manager and have received no response. I am working with a XXXX company XXXX who also contacted Bayview on my behalf only to be advised they have not received a Third Party Authorization which has been sent on numerous occasions. I have a sale date and I called my Relationship Manager to see if the sale date was postponed to allow time for the modification review however received no response. Please help. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that SUNRISE CREDIT SVCS are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.
Product: Credit card or prepaid card

To CFPB, Bank of America closed my account and refuses to open it, even though I have complied with all of their demands. 
I do not have an ID issue with XXXX. There is no reason for them to keep my funds from me. I fought them on going to the bank with 2 forms of ID because of COVID-19. I have underlying health problems and I have not gone anywhere since the beginning of this whole COVID mess. They said the only way around that would be to have XXXX send a USID form. So I called XXXX and on at least 5 occasions, representatives I spoke to in the ID Department told me they would send that with me still on the phone and it would be instantly available for Bank of America to see and immediately open my account. Bofa denies every receiving any communication from XXXX. 
But I finally went to the bank, because I need money to pay my rent, and not die, so I went to the bank. At the first bank, I spoke to the branch manager that told me they could not verify me as I did not have an account with them, he said they did not verify prepaid customers and to call the number on the back of the card to get verified by phone. I thought that that couldnt be right because they had told me on the phone to go to any branch and they would verify me. So I drove to a different Bofa thinking the branch manager was just misinformed or was just being a jerk, and at the second bank, the manager I spoke to said the same thing. Totally furious, I went home and swore off dealing with Bank of America ever again, on principle. 
But I received an eviction notice today. Fortunately, my brother is sending me money to pay my rent. But he is barely in a better financial situation than I am. I need to repay him as soon as possible so he can pay his rent. 
If Bofa would reopen my account that they closed with no notice or explanation, I wouldnt be having any of these problems. I called Bank of America today and told them I went to the bank with 2 forms of ID and I was told they could not verify me because I dont have an account there. The representative I spoke with on the phone told me he would file a complaint, that the branch manager was misinformed, and to go to the bank with 2 forms of ID. I told him they would just tell me the same thing, and when I call, Bofa tells me to go to the bank. 
Hopefully you see my frustration and understand I have tried every way repeatedly, and the bank wont open my account. I dont know what else to do this has been going on for months. Please help me. 
Thank you for your attention to this matter, XXXX XXXX
Product: Vehicle loan or lease

Subject : Dispute Regarding GAP Insurance Claim Denial and Cancellation Dear CFPB I am writing to formally dispute the recent denial of my GAP insurance claim and the subsequent handling of my coverage cancellation. Below is a detailed account of the situation : XXXX. **Date of Cancellation Request : ** XX/XX/year> - On this date, I contacted Ally Insurance to cancel my GAP coverage. I was advised to file a claim despite my car having no fault insurance and XXXX, my primary insurance provider, not covering the total amount due to the lack of comprehensive and collision coverage. I was instructed to speak with XXXX regarding the cancellation and to proceed with the XXXX claim. 

2. **Claim Processing and Initial Information : ** - After filing the claim, I was informed by XXXX  XXXX that an insurer settlement check would be issued within 7-10 business days. I was led to believe that this settlement would cover the outstanding balance of my car loan. 

XXXX. **Discrepancy in Information : ** - Upon following up, another representative informed me that the settlement amount would not be {$15000.00} as initially communicated. Instead, I was told that this figure was merely an estimate and that GAP coverage would not cover anything because the Actual Cash Value ( ACV ) of the car exceeded the outstanding loan balance. This contradicts the previous information I was given. 

4. **Refund and Eligibility Issues : ** - I was informed that I was not eligible for a refund of the GAP insurance premium and that any potential refund would only be issued after a review. This is concerning, as I have been paying for this coverage as part of my finance charges every month. 

5. **Discussion with Supervisor : ** - I spoke with XXXX XXXX XXXX who reviewed the situation but did not provide a satisfactory resolution. The discrepancies and miscommunications throughout this process have left me frustrated and confused. 

**Summary of Issues : ** - Miscommunication about the settlement amount and GAP coverage eligibility. 
- Conflicting information regarding the refund and claim process. 
- Unclear guidance on the cancellation of my GAP coverage. 

I request a thorough review of my case, clarification on the coverage terms, and a fair resolution to the issues mentioned. Please provide a detailed explanation of why the settlement amount differed from initial information and how the refund process will be handled. 

Thank you for your prompt attention to this matter.
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 assistance
Product: Mortgage

I submitted my mortgage payment on XXXX XXXX which was due on XXXX XXXX. I received a call from Ditech in XXXX that my mortgage payment for XXXX was late. After informing the person that my payment was submitted on XXXX XXXX, the person said the payment was incorrectly applied to the principle and they would send a request to fix the problem. I continued to receive calls and letters from the company that I was delinquent on my payment. I have called or spoke with Ditech at least 6 times and they said the mistake would be corrected each time I spoke with them. 
After XXXX weeks of trying to correct this mistake, the issue has still not been resolved and I continue getting calls letters from the company stating that I am late on my payment. I keep getting excuses that they are updating the computer system and they do not know why it is taking so long.
Product: Mortgage

I reached out to Shellpoint Mortgage via e-chat on Tuesday, XXXX XXXX, XXXX to request access to my HELOC line of credit. I was informed that I needed to complete a HELOC Wire Request Form which I did and submitted the afternoon of XXXX XXXX, XXXX to the email address provided. At that time, I was told it would take XXXX hours to process the request. On Thursday, XXXX XXXX, XXXX at XXXX, I received an email requesting a copy of a government issued photo ID be emailed. I completed that request and emailed them a copy of my drivers license on XX/XX/XXXX at XXXX. On XXXX XXXX, XXXX, I reached out to the same email address to ask for an update. I received none. I then reached out to the e-chat feature through my loan 's dashboard, I was told that my request had been elevated and was set to transfer on XX/XX/XXXX. On Tuesday, XXXX XXXX, I reached out via e-chat again as the money was not transferred. I was told that the request had not been processed yet and to check in again with them in another XXXX hours ; that my request was elevated again. Today, Thursday, XXXX XXXX, XXXX, I again reached out to Shellpoint Mortgage Servicing to check on the status of my request as I have had to pay out of pocket to contractors providing services at my home which has nearly depleted my checking account. I was told again, that my request has not been processed now due to an " influx of requests. '' I was told that my request was once again being elevated. I told the company that this inefficiency and inability to access my line of credit was unethical and that I would be making a formal complaint.
Product: Student loan

I submitted a refund request for my last student loan payment on XX/XX/XXXX. I was told that my loan refund request had been submitted when I called on XX/XX/XXXX however in my most recent call on XX/XX/XXXX I was told it was submitted on XX/XX/XXXX. The process went as follows : ( XX/XX/2022 ) - I called edfinanical and requested a refund for my last payment made which was made on XX/XX/2022 for {$11000.00} ( XX/XX/2022 ) - I called edfinancial and requested an update on the refund. The rep said that it had been submitted but could not give me a time frame on when it would be completed due to the high rate of refund requests. 

( XX/XX/2022 ) - I called edfinancial to request an update on the refund. I requested information on the status of my refund from the first rep and was then transferred over to a different rep who I was told handles these types of requests. The new rep said the refund was submitted for processing on XX/XX/XXXX and can not provide any further updates as they do not have any more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests, the unverified items listed still remain on my credit report in violation of Federal Law. it is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, it was stated in writing that they verified that these items are being reported correctly?

Who verified these accounts?

They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

ACCOUNTS : XXXX  ( Equifax & XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting collection letters and calls after sending identity theft affidavit & police report disputing this item as identity theft/fraud. Letters have been sent to XXXX, XXXX and Cavalry ...

Cavalry now seems to have sold the debt to another collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has continued violation of the Fair Credit Reporting Act regarding the refusal to properly VALIDATE information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items are not validated immediately. 15 U.S. Code 1681i also claims unverified information must be promptly deleted. In the dispute results, all I've received back is information that is being reported on my credit file and a few slight modifications. No proof of validation or original documentation. 

I've also sent in complaints in XX/XX/2023 through the CFPB and XXXX ( 90 days ago ) and then sent in multiple written letters explaining the situation and the fact that several accounts were reported inaccurately. I have yet to receive any proper response or validation for these accounts. Somehow the information reported/modified is still not matching up with whats reported on other CRA 's XXXX There is no actual proof of validation as I requested in my written letters and as I am entitled to by law, which I went into great detail explaining what my rights exactly were and that I would fully pursue litigation. I will go through the FTC next, and I wont give up until I get proper legal responses and resolution.
Product: Vehicle loan or lease

XXXX contacted me today about my complaint I filed against them on XXXX. I had been drinking early this morning, I had XXXX XXXX ounces bottle to XXXX XXXX XXXX. The representative from XXXX / Bridgecrest pressured me into making auto loan payments that is past due for XXXX and XXXX. Representative advised me that I am denied deferred for payments due on XXXX and XXXX. Moreover, was denied the same deferrement the week before XXXX. That make it the second denial and prior to XXXX, I did not have any late payment 30- days past due. Account was opened in XX/XX/2020. I called Bridgecrest this evening and filed for another deferment for XXXX & XXXX. The monthly payments are {$370.00}. XXXX / Bridgecrest totally disregarded the Cares Act which states that creditor are to work with consumers in regards to payment arrangements. I have a financial hardship and I cant believe that I am going back and forth with BridgeCrest. Bridgecrest does not want to help me. CFPB please help enforce the Cares Act that is here to help consumers like me that has an financial hardship. Dont want BridgesCrest to keep calling me and asking for payment knowing that I filed an complaint against them with the CFPB.
Product: Credit reporting or other personal consumer reports

I have several hard inquires on my report that i don't recognize XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

Money transfer with MoneyGram to XXXX on XX/XX/2020 for {$100.00}. Money was not received, so I cancelled the transaction on XX/XX/2020. Money has not been received back to my account as of XX/XX/2020. Contacted MoneyGram and they stated the receiver needs to cancel transaction. This was a very confusing answer, since I sent the money and the receiver never received the money and I cancelled the transaction and have all the information. There is no reason for the receiver to get involved, he did not receive the money.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX after receiving a deposit into my Venmo account which I was expecting from a third party who offered Venmo as a means to issue me a refund I was owed, Venmo did not allow me to transfer my funds to the bank and suspended my account. I have tried emailing, chatting and calling and they refuse to give me a reason and are holding my funds for no reason. I am not given a reason and can not use my funds. No one will give me an answer.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my Credit Report ( XXXX and XXXX ). 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from Capital One Bank Usa Na on XX/XX/XXXX and XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
In additional to that please correct the address, since the address which is under my personal information is incorrect - XXXX XXXX XXXX XXXX, CA XXXX never associated with me. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Student loan

I called Wells Fargo to see if I could get a loan modification to reduce my monthly student loan payment. They told me that I would not qualify for a modification because my co-signer and I together make too much money. They told me my only other option is to go do forbearance. I do not want forbearance, I would like a more affordable monthly payment.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit card or prepaid card

Citi Bank just posted to my XXXX credit report that I have not made any payments on my card in the last 90 days. This has caused me to not get approved for a loan an has caused me get hardship. I have attached proof of me making payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Tn XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear Avant Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report.

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX Sincerely, XXXX XXXX