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

I have been trying to pay off my credit debt with them this entire month but have been constantly having the problem saying that they can not connect to my bank, and the only way to fix that is by contacting them. I contacted them twice by email, one on the day of XX/XX/2021 and got no response to that but an automated message that said they will contact me. Another time on XX/XX/2021 and said they are currently out of office and will contact me back when they are in office, and still no response as of XX/XX/2021 which was the day my payment was due. On XX/XX/2021 I attempted to call them and was on hold for over 6 minutes and was told that there was no available representatives. I then proceeded to contact them over text message as that was an option and was told I will get a response within two days and still got nothing. I am afraid of getting a negative impact because of missing a payment when I have been attempting to
Product: Debt collection

I was contacted several times by Caine & Weiner attempting to collect {$210.00} payment for the XXXX 2016 XXXX XXXX XXXX. I was told by the people calling from that office that the payment was to be paid in full and that was all that was said to me. I have explained to them during every call about the situation and that e that I had made several attempts requesting the last month to be cancelled of my auto insurance through them and had went to a different insurance company due to XXXX Agents failing to return my phone calls to them several times inquiring about my policy and ignoring then my cancellation requests. That 's very poor customer service and job performance. I still have yet to receive any information from Caine & Weiner about who they are, where they 're located, any information on how to dispute this claim. Also I have not received anything from XXXX XXXX XXXX, not a bill, not a phone call. The only reason I found out I was put in collections was from a notification from XXXX XXXX. I would like help on this matter if possible. Thank you for you time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30dayXXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate. They also aren't providing me with an updated credit report. ( XXXX XXXX XXXX ) This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

credit score dropped XXXX points i did not authorize these transactions my identifty was sotlen a few months ago and i know this is part of that
Product: Credit reporting or other personal consumer reports

The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to wreak havoc on my financial and emotional wellbeing, despite my repeated efforts to address these unauthorized entries. As a victim of identity theft, I never authorized or consented to these items being associated with my name, yet their continued presence has created an overwhelming burden of stress and XXXX that affects every aspect of my daily life. The XXXX impact of watching these fraudulent entries damage my credit standing, despite my best efforts to resolve the situation, has become increasingly difficult to bear.
Product: Debt collection

I received an email from a debt collector XXXX, saying that I owed {$14.00} on a PNC bank account. I called PNC and they told me that they were not allowed to tell me the balance of the account or the reason for the charge over the phone. 

PNC told me that I owe {$14.00}, and that in order to fix this problem, which I still have no information on, they need me to travel to a branch and solve it in person. However, there are no PNC branches in this State. So according to the employee I spoke with my only option is to travel out of state, find out what the {$14.00} charge is for, on an account I did n't know I had, with a balance that is unknown.
Product: Prepaid card

I received a digital American Express pre-paid " gift '' card around Monday, XX/XX/year>. Since then, I have repeatedly tried to use this card online without any luck. The card is declined everywhere, often with little-or-no detail as to why, so I finally called AmEx to see what the problem was. The agent on the phone did not have incredibly helpful information to share, other than to try attaching it to my apple wallet and use XXXX to fix things, or just " trying again '' until the transaction went through. 

THIS DID NOT WORK EITHER. 

I have tried using this card on XXXX, XXXX, XXXX XXXX, and the XXXX store. I have tried to buy everything from holiday gifts to groceries without luck. I have tried adding to applepay and to my paypal wallet and it never works. The card is always declined and I am worried this whole thing is some sort of scam at this point. These are major retailers who say the problem is on AmEx 's side. AmEx has been completely unwilling to issue me a refund or even a physical card I could use instead of this useless digital one. Their only " resolution '' is to " try again. '' This has to be fraud, right? They get to keep my funds by issuing digital cards they know no vendor will accept despite XXXX claims all over their site and the card 's balance page, such as : " For online shopping, use at merchants that require the XXXX number, expiration, and security code. '' Ok, I did. It was rejected. Now what? 
and " Your American Express eGift Card may be used at US merchants that accept American Express Cards. No ATM use. '' Laughably and provenly untrue at this point. I have asked for EXACTLY what merchants are guaranteed to accept this card and have not received anything beyond a vague " anyone who takes AmEx '' handwave. 

That is false advertising! The first result from XXXX shows that XXXX does, in fact, accept american Express... so why is this digital card being rejected? No one I have spoken with at American Express seems to have an answer other than " just try again ''. 

This virtual card is declined online and in brick and mortar stores, at restaurants and at grocery stores. Neither XXXX nor XXXX wallets even process transactions with it - no one will take this card. AMEX customer service claims they can not offer me any resolution. They can not tell me where I can use the cards, they can not transfer my balance to a physical card, they can not offer me a refund. 

This system seems designed to skim money from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards to trick us into believing they're a flexible gift to someone instead of cash. Instead, I have a digital card and my money is inaccessible. 

All I want is the total balance on my card in cash/check at this point so I can cease all dealings with this fraudulent company. 

My card 's number XXXX XXXX XXXX XXXX and there is a balance of {$400.00} on it. Check it! I am so confident no one can use this flippin ' thing anywhere I am putting it in this message. Please help me.
Product: Credit reporting

I am filing this complaint because Experian has ignored my TWO previous request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and they can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA they are bound by law to ... ..Delete ALL information which is inaccurate or incomplete or can not be VERIFIED, that I have disputed Thank you in advance for resolving this matter..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In response to the letter that Calvary Portfolio Services sent to CFPB stating that they can not provide the documents I demanded to prove that I owe them the debt that they claim that I allegedly owe until I remove the cease and desist. I respond to state that I remove the cease and desist. In the letter Calvary states that they affiated acquired this account from citbank. This means that Calvary took my nonpublic personal information such as my social, address name etc without me knowing which violates my privacy rights as a consumer. This is a form of identity theft mishandling my social security number which is a serious violation. XXXX never gave me the option to opt out. Calvary states that they dont need my permission to report debt but they are reporting debt that I do not owe. I never done business nor did any transaction with Calvary to owe any debt. It is unlawfully to report transaction history on a consumer report without proper authorization as stated in 16CFR 313.7. This regulation prohibits the disclosure of sensitive personal information without a consumers consent. Additionally 16 CFR 433.2 which addresses the preservation of consumer claims and defenses is relevant to this context. This regulation ensures that consumers have the ability to assert their rights and defenses including the right to dispute inaccurate and unauthorized information on consumer reports. I am demanding again the documents that will prove I owe this debt to Calvary Portofilio Services together with a Purchase agreement the documents I demanded are 1.audit Trial, 2.forward flow Agreement, 3.account ledger, 4.chain of title, 5.chain of custody, 6.affidavit of debt, 7.affidavit of custody and 8.original due holder en course of this debt. Also want all communication to be here on CFPB.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

THIS COMPANY HAS CONTACTED ME IN REGARDS TO XXXX I DO NOT OWE XXXX AND THEY HAVE BEEN HARASSING ME AND HAVE REPORTED TO CREDIT BUREAU TO MESS UP MY CREDIT WAYPOINT RESOURCE GR XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX is reporting inaccurate info ( XXXX XXXX XXXX XXXX ) 30+ Days Late which is inaccurate. Reporting inaccurate information is a violation of the FCRA under section 623 ( a ). To avoid a civil rights lawsuit, I am requesting even urging Equifax and XXXX to remove these late payments from within my credit reports, and to list this trade-line as paid as agreed and/or never late later than five business days or if not I will not hesitate to seek legal action against you.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

This compliant is about my mortgage company - NEWREZ a.k.a Shellpoint Mortgage Servicing. They are denying me access to the forbearance program as setup in the CARES ACT Forbearance & Foreclosure. 

Shellpoint put my loan in the forbearance program in XXXX and I did not take advantage of it because I didn't need it then. Now that I have requested to be reinstated in the program, Shellpoint Loss Mitigation Department has been giving me the run around. 

I have spoken to at least 21 customer service representatives in Loss Mitigation from XXXX to now to get my loan setup. I have been told by different customer service representatives that they either see my request and pending approval or they don't see my request in the system.
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, the 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 for these violations.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX XXXX XXXXXXXX Balance : {$300000.00} XXXX XXXX Balance : {$1900.00} Late/Closed XXXX XXXX Balance : {$4900.00} ChargeOff XXXX XXXXXXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX  XXXX Balance : {$430.00} XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$570.00}
Product: Mortgage

We had a home built by United built home and the appraisal came back low so instead us getting financing though a mortgage company we got stuck with them our mortgage payment is only supposed to be {$1000.00} a month not {$1500.00} a month they didnt let us know before even started on the building the home about the other value of the other homes around this could easily be avoided
Product: Mortgage

XXXX XXXX purports to filter lenders based on criteria input by users of XXXX XXXX. 
I specifically requested an equity line of credit equal to the gap between my scholarship and XXXX University tuition. 
XXXX XXXX did n't filter lenders based on the criteria input by me into XXXX XXXX 's filter. 
Notwithstanding my own credit quality, my college buddy agreed to co-sign ( XXXX XXXX / strong earnings history, etc. ) Within 24 hours I received over XXXX offers to refinance my existing mortgage and take money out. If I refi, I 'd lose XXXX XXXX fixed rate and pay prohibitively expensive closing costs. 
I requested a HELOC as advertised. I specifically requested a HELOC and nothing else. 
The following lenders use fictitious HELOC terms to bait-and-switch consumers : - XXXX XXXX - Capital One Bank - XXXX Bank - XXXX - XXXX Bank - XXXX - XXXX - XXXX XXXX Mortgage - Wells Each lender approved a HELOC at Prime +/- XXXX. Each lender pulled the approval for nonsensical reasons. Capital One claimed that my guarantor needed to be on the deed. What 's the point of a guarantor? Reliance informed me that they would refinance only because they do n't make money on equity lines. This is egregious because a prospective borrower could find him or herself in a position whereby a refi is the only alternative. It 's a charade. I 'm confident consumers fall for it all of the time. It 's a con. Do not fall for it before its to late.
Product: Student loan

Navient has my checking account information on file. I pay monthly and have never been late. I made a payment and have never changed my account information. All prior payments have been made from this account. I paid my monthly payment on the XXXX due on the XXXX. On the XXXX I received an email stating my payment was late. I went on line and made a second payment with the same acct. information. I called Navient and was advised that they sent me a letter stating that my payment was rejected by my bank and that I should contact my bank. I contacted my bank and was advised that there was nothing rejected or received. They also verified that the routing and transit number and account number was correct from prior payments. And that I should contact Navient a request a trace number to help determine what happen to the payment. I contacted Navient and CS advised me that a letter was sent yesterday and that my payment was rejected do acct number not being found. I explained to CS that the bank advised me that there was nothing rejected, and nothing was submitted I was told there was nothing they could do. After arguing with CS, I was finally transferred to a supervisor XXXX XXXX in Indiana. XXXX informed me that it was not submitted to the bank and could not tell me why. Only that I should delete my information and resubmit my acct information and try and make another payment. I explained that I was in a loan forgiveness program that did not allow me to be late with a payment and that continuing to submit payments that were being rejected without knowledge of why they were rejected would jeopardize my agreement. He had no answer and again advised that I delete my information and try again. I advised him that this was not acceptable and that I was being penalized for an error on their companies part. He had no response. He advised me that it was the companies policies not to give out phone numbers to reach him back with acct information for their protection. I called back to the CS to attempt to change the information requested, still without any explanation of what happen or assurance that it would not happen in the future and was told that Mr. XXXX was not available. I feel this is harassment and Navient 's attempt to break their agreement for loan forgiveness by attempting to make my payment late by not fault of my own. Mr. XXXX told me that they had no way of knowing if my payment would go though and that I would have to wait another week which would put me past my 15-day grace  period. He also again could not offer any explanation for why it was not submitted to the bank.