23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was purchasing a motor from Texas for over {$500.00} by Chase Credit card. Chase emailed me and asked if the charge was authorized and I told the yes. The person from the company ( which disappeared ) ether called or emailed me ( not sure ) and informed me that the charge had not cleared. I contacted chase to again authorize the charge and the Chase representative I reached asked me if I understood that the company requesting the money was in XXXX. I asked her to immediately instructed her to cancel the transaction, and cancel the credit card. She agreed. 
Well it didn't happen. The credit card was immediately cancelled but the charge was not which I don't understand. Chase claims I authorized the charge initially and there was nothing they could do. I asked them why I would authorize a charge and immediately cancel the card. They had no answer. I asked them for a transcript of the phone call where I cancelled my card. They said they could not provide that to me. 
I don't understand. The first thing you hear when you call Chase is " This call will be recorded. So why can't simply listen to the recording and mail me the transcript? 
Help Please. This is a charge I really can not afford. Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiries that I have listed are a result of identity theft and must be deleted within XXXX business days of your receipt of this report pursuant to 15 USC 1681c-2. Also, Pursuant to 15 USC 1681e ( b ) please update my personal information to reflect accurately on my credit file. 

SEE ATTACHED IDENTITY THEFT REPORT.
Product: Checking or savings account

I had an issue with my bank card and canceled it. I realized that I had a deposit coming in and wanted to call Chime and asked make sure that it was not gon na affect my deposit coming in so I looked on XXXX and found Chime customer support and called the number that was advertised on XXXX. The gentleman that answered the phone actually said job support and how can I help you and went through the process of asking questions that was very legitimate sounding stuff to walk me through the steps to make sure that I was who I said I was made me believe everything was legitimate and that I was in good hands with the support team. as the conversation went on he had me download an app on my phone so he can mirror my phone which Im the XXXX fool yes but Ive reported this to my real Chime bank and explain to them the situation they filed a dispute but they denied the dispute and they didnt give me a reason why they just said they were not the first they said they were going to cover the money that I would get reimbursed for it that I was covered because it was an authorized transfer and then I guess they decided that they werent going to take care of it and I feel like Ive been done wrong but I feel like they should cover it because I did not authorize this money to be transferred into someone elses account its {$540.00} that I didnt have to send somebody to rip me offAnd theyre advertising on XXXX which is supposed to be from what I understand a safe site to go to define what information I need to search the web and do what I need to do I feel like something needs to be done to ensure that people are not getting scammed by these people and I feel like Ive been let down
Product: Money transfer, virtual currency, or money service

Hello, One of our client accidently sent two wire transfers to an account that is not our account at Wise ( formerly Transferwise ). The last digit was changed by mistake.

Details about the two payments : XXXX XXXX USD on the XXXX of XX/XX/2021 XXXX XXXX USD on the XXXX of XX/XX/2021 We have asked Wise team to help us locate our funds and retrieve our money. The sender 's tried to recall the fund and ask for Transferwise help to confirm, they refused to make contact with the sender 's bank. We have then ask them to make contact with the owner of the bank account that accidently received those two wires transfer, they refused again and didn't propose any solution on how to solve this case, saying it is not their problem to handle conflict between its clients.

Thank you, Best regards,
Product: Mortgage

To whom it may concern : Please see information attached which shows I signed and agreed to a modification on XX/XX/XXXX. Due to unemployment until XX/XX/XXXX, per the attached agreement I informed Bayview of my Employment and on several occasions contacted the office to put my loan back in good standing as Promised.Instead I now have a higher interest rate and also added interest separated from my principal in the amount of over {$37000.00} since XX/XX/XXXX I have paid more interest, and I have interest which is waiting for me to pay the loan in full. My loan was paid up by XXXX XXXX XXXX until i got a Job. When I started back to work the loan was caught up. I have tried to correct this for over 4 years. 
I am reaching retirement with my mortgage, in a situation that I was promised that the loan would be Refinanced or modified by Bayview, however when I called they told me they had no authority to do what they promised. I feel the promise was just to get me to sign the paperwork.Speaking to Representative after Representative then Mortgage transferred to still getting no help. Phone call after phone call has caused me so much frustration, I do not think at XXXX years of age I should have this battle, therefore I am really hoping to get this settled with help from CFPB. This is my second request for help, my property value is not increasing, and the home needs some repairs.I will be retiring in XX/XX/XXXX, and would like to do so in peace. I am providing the attached information. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has added names to my credit profile that are not mines they are for someone else with a totally different name and have included a unpaid debt not belonging to me on my report and they have yet to remove it. I pay all of my bills on time where I the world this this debt come from? Not my Name and not my debt!
Product: Mortgage

I am trying to make my  XXXX  payment but Freedom Mortgage is refusing to apply the late Fee 's I have paid correctly, they are holding the money as stated by them. I have the Money for  XXXX  and  XXXX  but I refuse to pay the ext ra 5 late paym ent 's when I have already done so, they refuse to apply to my account and are trying to extort an extra  XXXX  dollar 's that I should n't have to pay. Every time I call them they make up a different story as to why they refuse to apply the late payment 's, I was current as of   XXXX   17  and they said they would apply the late payments once I was current which is a lie sense I was current on  XXXX 17. They keep making a reference to a fee that they say was wave in  XXXX  which is also a lie as I made a deal with their customer service if I post dated a payment they would charge me a  XXXX  dollar Fee instead of a  XXXX  late charge as stated by their customer service rep. When I asked them to give me the recording of the call where I agreed to pay the  XXXX  Charge instead of the late fee they refused to get me the call. Freedom Mortgage is basically trying to force me out of my loan and not except the correct payments. I believe they make up policy 's when ever they feel like it, why was n't the late Fee 's applied when the loan was current on   XXXX  17. They should be investigate for fraudulently keeping the late fee 's and not applying them correctly it 's a scam to get extra out of people they are illegally holding money to force my loan into default, when I am willing to make the  XXXX  and payment with out the extra late fee's.Customer service is just rude and has no desire to find any kind of resolution.
Product: Credit reporting

I have a XXXX collection account on my credit. I do n't have XXXX and do not owe them any money. I have no idea what this is about.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/2022 i sent a request to company regarding account level documentation about the debt company has failed to respond but continues to report negative information
Product: Credit reporting or other personal consumer reports

For nearly XXXX ( XXXX ) months, whenever I tried to check my credit report on the Experian website, I have been getting this message " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' My XXXX score hasn't moved since XX/XX/year>. When I called Experian 's customer support, I was given the run around for XXXX, I finally got a straight answer from them last week and was told to upload a copy of my XXXX XXXX and my latest XXXX XXXX statement last week, which I did last week. When I called them today, XX/XX/year>, at around XXXX PM XXXX, they were unable to confirm if they had received the documents I uploaded last week to their website, XXXX XXXX XXXX. That person I spoke with told me that he just doesn't know where to find that upload, not that I didn't upload anything, he DOES NOT know, like he wasn't even employed there! Bottom line, Experian just WON '' T let me update my XXXX XXXX and has been keeping my XXXX score in limbo for nearly XXXX ( XXXX ) months!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ] XXXX XXXX, I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my credit report, I noticed incorrect information that needs to be investigated and corrected. The details of the disputed item ( s ) are as follows : Creditor Name : [ Name of the creditor ] Account Number : [ Account number, if available ] Issue : [ Briefly describe the inaccuracy, such as an incorrect late payment, an account that does not belong to you, an incorrect balance, etc. ] To support my dispute, I have attached copies of relevant documents, such as payment records, account statements, or correspondence with the creditor, that verify the correct information. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Please correct or remove the inaccurate information from my credit report and provide me with written confirmation of your findings. 

If you require any additional information, please feel free to contact me at ( XXXX ) XXXX. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : [ List any enclosed documents ]
Product: Debt collection

This debt is in regards to a medical bill for my minor son 's treatment through XXXX XXXX XXXX XXXX XXXX  in the amount of {$120.00}. My son went in for his XXXX XXXX appointment onXX/XX/XXXXand his service was not covered by my insurance company because he had exceeded the number of his wellness visits.
I contacted my insurance company ( XXXX ) to file an appeal and was told that they would consider the appeal. The insurer agreed to pay the claim and reprocessed the payment. I notified XXXX that the payment was going to be reprocessed and paid. A couple weeks later they notified me that this payment had still not been paid and would be sent to collections. I subsequently called XXXX and they told me they would make a rush payment.
Today, XX/XX/XXXX I received a call from Merchants Credit Guide indicating that I owed a bill to XXXX XXXX in the amount of {$120.00} that was sent to collections on XX/XX/XXXX. I informed them that this should 've been paid by my insurer and that I would call them back with further information. I contacted my insurer and was notified that this bill had been reprocessed and paid on XX/XX/XXXX through electronic transfer, record number XXXX in the amount of XXXX I proceeded to call Merchants and notify them to update their system. They told me I should also call XXXX and file an update with them.
I 've tried to call XXXX to get some type of communication indicating this was sent in error and an apology. I have an excellent credit score which I 've worked hard to maintain and achieve do not wish to see it tarnished through an incompetent and careless billing department. I wish to see some type of sanctions as this callous and careless attitude should not go unpunished I can provide any further information that the CFPB shall require.
Product: Credit card or prepaid card

they received certified mail tender of payment coupon for XXXX on XX/XX/XXXX. 
They called me on XX/XX/XXXX and stated I owed a debt and payment was not made. 
I informed the XXXX that the call was being recorded and the amount was tendered and that they were in violation of my conusmer rights that they received the certified mail article with the coupon and that they had XXXX hours to credit my account. On XX/XX/XXXX th I received an email stating that a payment had posted to my account for XXXX posted on XX/XX/XXXX but they only opened XXXX use of the XXXX credit line. I called on a recorded line and the XXXX stated that it was their policy to hold large payments and the remainder would be available on XX/XX/XXXX. I informed her that I had never received a copy of said policies and requested a copy be sent to me. The remainder of my credit line has not been updated to reflect the full XXXX use.
Product: Student loan

I am missing XXXX payment in XX/XX/2023 and XXXX payment in XX/XX/2023. These are payments for the XXXX  of XXXX and XXXX. My employer has been paying XXXX directly to " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ''. I called and spoke XXXX  times to my XXXX XXXX XXXX XXXX services ( XXXX XXXX ) and they told me every time that on their end all payments have gone through including the missing payments of ( XXXX and XXXX ). XXXX had a XXXX change in their website where all my loan and payments disappeared for XXXX  months. And some of the payments are still missing after the new website and the transfer. I have reached out to the XXXX XXXX  XXXX a XXXX  times as well and they told me they can not help me and that I needto speak with XXXX. XXXX has refused over and over to send me payment receipts. XXXX had asked for the receipt as well to show proof that they hadn't received payment, but they did not comply. Everytime I call XXXX, none of the representatives can assist me. I have tried escalating my case to a supervisor, but they did not reach back out to me like they said they would. I am missing XXXX. This is a big chunk of my XXXX  contribution. XXXX won't comply and help me out. It has been now over a XXXX  since my XXXX payment ( supposed to post in XXXX ) and XXXX payment ( suppose to post in XXXX ) have been amiss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that Equifax is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Equifax about the theft of my Individuality and that the items were never mine, Equifax never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX I requested a payoff on my Student Loans being serviced by Mohela. I used the online ACH tool to submit the given amount. The payment took so long to post that I ended up owing XXXX cents in accumulated interest. So I did a second ACH Online Payoff. I have the confirmation emails for both. 
I received a letter indicating that the loan was paid off. It was, I thought my last loan. Although, at this point three of my loans had negative balances due to being credited back interest I had paid. And one of my XXXX XXXX got a random XXXX credit at some point and so was sitting at approximately XXXX. 

Now imagine my surprise when on XX/XX/XXXX of this year, I get a letter telling me about my new repayment plan. So, I log back in to my account and find that my XXXX is now at approximately XXXX XXXX  and I have balances once again on XXXX of my loans. How is this even allowed? 

I reviewed my payment history and the amount can be tied back to payments I made in XXXX of XXXX, which until recently were applied in XXXX but, now are listed as having been applied on XX/XX/XXXX to my XXXX ( the one that was already negative XXXX ). This resulted in loans I had paid off now having balances again. One of which I still have the letter informing me it was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the inquiries below that are not mine. I have reached out to the credit departments but they have not corrected the issue. There is a person by the name of XXXX XXXX XXXX that is using my social security number to try to open up new accounts. 

Account name XXXX reported XX/XX/XXXX XXXXXXXX XXXX  reported XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

In error, Navy Federal Credit Union withdrew {$16000.00} from my account for a check that was not written to me or for me. They have not returned my money yet. They debited the money from a combination of my business checking, business savings, and personal checking accounts. The representative said there is nothing he can do at this time to give my money back.
Product: Credit card or prepaid card

Capital One is placing large payments hold on credit card accounts even though payment was already taken out from my XXXX XXXX checking account 2 business days ago. I have never one had returned payment and I never have paid this account late. I feel Capital One is unfairly targeting customers that make large payments and placing holds on purpose to discourage customers from making large payments. I feel Capital One is doing this on purpose to get customers make smaller payments so that the customer can end up paying interest to Capital One. 

I feel Capital One is unfairly targeting customers that make large payments and placing holds on purpose to discourage customers from making large payments. I feel Capital One is doing this on purpose to get customers make smaller payments so that the customer can end up paying interest to Capital One. I want Capital One to stop placing unfair holds. There is no reason for hold especially for a customer that never has had returned payment in years. I also have a XXXX XXXX XXXX account and XXXX XXXX and neither one is placing holds.
Product: Vehicle loan or lease

I moved from XXXX to CT in XXXX of XXXX. In XXXX of XXXX, I was informed by NY that I needed to surrender my plates and register car in CT, as I was now a CT resident with a CT license. I immediately contacted Tesla about this matter and requested the documents necessary to register the vehicle in CT. However, they have since oscillated between responding to me apologetically saying they will send documents right away to never following up and downright ignoring me. I have called them every month for nearly a year and emailed every department they have or recommended. I have gone and spoken to the dealerships in XXXX, CT and XXXX XXXX, NY, and none said they could offer any help. I have corresponded by phone and by email with Tesla Legal, Tesla Finance, Tesla Payment Resolutions, Tesla Lease Returns to try and resolve this matter and all have either offered no help or not responded- all I've needed was a signature on a POA agreement, extremely standard, to register the vehicle. The vehicle as such has been rendered illegal to drive and I was informed by the police and NY state that there's a motion to impound the vehicle. My lease is up in XXXX and I reached out to an attorney to help me gain a response. When none came, he had me draft up a termination letter ( attached ) and came with me to return the vehicle to the Tesla dealership I leased from in XXXX XXXX to renounce ownership and terminate the agreement. The people there refused to accept the car and kept us waiting for over an hour as they " contacted '' higher management, to which they said they could not get through to. They then called the police to get us to leave the dealership as we simply waited there and said we were renouncing ownership. The police came and made them give us an email to reach out to - Tesla Legal. To this date, we still have not heard back from them. There is no one left for us to reach out to to resolve this matter, so we are now reaching out here for government intervention. Given the car has been made illegal to drive due to them, I'm seeking reimbursement for the entire lease or at least last year of the lease and any fiduciary responsibilities related to the car and that they come pick up and take back the vehicle. The lease is done in XXXX and the only messages I receive at this point are automated lease return emails that require me to pay all sorts of fees and the remainder of the lease, which I have since stopped doing for these last two months ( XXXX and XXXX next ). All I was seeking was a standard legal document allowing me to legally register the vehicle and drive on the road. I was simply seeking to follow the law and this company has made that impossible and dragged its feet on that in such an unprofessional manner that the lease is now up and there is no time left to properly resolve the matter, leaving the burden squarely on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is  2017    and I have repeatedly asked all  XXXX  credit bureaus to remove old accounts and ones that have been paid and cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Original Creditor : XXXX XXXX Alleged amount owed {$2800.00}