23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had been working with XXXX XXXX, a representative for US Bank in assuming a mortgage shared by myself and my ex-husband. On XX/XX/XXXX, my ex-husband advised me that someone from US Bank shared my income information with him. Per my request XXXX explored the situation further and advised me that it was my ex-husband who shared that information with the bank. To my knowledge it is not possible that he could have obtained the information. I believe this was a breach on the part of US Bank. I received no response when I asked XXXX to look into the matter further.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing

Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature on a statement. 15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit card

On XX/XX/2023 I initially purchase a meat gridder for XXXX. I canceled that order. On XXXX the XXXXXXXX XXXX repurchased it, but then also returned it and was refunded on XXXX the XXXXXXXX XXXX All of my purchases were made through XXXX and were promotional purchases. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Central time the customer service from Synchrony Bank stated that the credit amount of XXXX} wasnt deducted. She stated that somehow, when they were transferring the data from my old account to my new account the amount had been put back on account as a purchase.
Product: Mortgage

First Greentree LLC were not honest and lied about not receiving payment and so on. By the time they filled for bankruptcy they ran a deferred balance of {$62000.00}. Penalties and interest. They are not being honest and I have proof of dates and filling for a loan modification Second Diteck took over the mortgage They just changed there name. They also have not been honest. I have not received the balance of my insurance money due to Hurricane Erma.  They send me letters every week like I have not sent them anything. Its not true. I have faxed this to them in XXXX and sent them emails with everything they have asked for. Once again they are charging me with late fees and so on.. They also didn't pay my insurance company. They took it apon them selves to Sell me a Diteck insurance. When I had followed up with my carrier she told me it was not paid and they thought I went with someone else. I pay insurance and taxes each month to put in escrow. 
During the payments from the insurance company they applied it to my mortgage and Diteck told me I sent it to the wrong place. That was not true. I put 3 checks in the same envelope and mailed it to the same address. It took many calls and finally a conference call with my insurance company. 
If you call they are all the same. Debit collectors and do anything to no be of servicing there accounts. You cant find a supervisor to speak to.. It is frustrating. 
They have held this {$2200.00} check for over 2 years and in the mean time I asked them to apply it to my mortgage. I want penalties and interest on that money. Or they can back out the dishonest penalties and interest they have run up on my mortgage. 
Diteck also has filled for bankruptcy as of XXXX.2019. 
I really want everyone to know how dishonest both companies are. Changing your name and using the same tactics should be illegal.
Product: Debt collection

On XX/XX/2022, I noticed on my credit report a collections being reported in the amount of {$1800.00}. I began the disputing process, and after waiting months for a resolution, on XX/XX/2022 I requested a debt validation letter from the collection company known as Eastern Account Systems. After waiting over 30 days, I called the aforementioned collection company to demand that the debt be removed. To which I was informed that a debt validation letter had already been sent to a previous address. I believe this is a blatant lie, as my address had been updated over a month prior to this company even receiving the debt with both the USPS and NYS DMV. In addition the USPS had instructions to forward any mail received to my current address for an additional 90 days. I believe this a a malicious violation of my rights guaranteed by the Fair Credit Reporting Act, and demand that not only the debt be removed from my credit report, but also I am compensated for my time and distress in regards to this matter
Product: Checking or savings account

Because of past overdrafts to my personal checking account a hold was placed on my last deposit. of a check totaling {$1300.00}. I was thinking okay a day or two. I was then informed that the hold will not be lifted for 10 business days. I explained to the bak customer service personnel that that seems very unreasonable i have business that I have to be able to take care of as well as children in my home I can not go two weeks with no money available to me. The amount of the overdraft was {$70.00} with a bank charge of {$35.00} so how is it that the bank is allowed to access the deposit to cover the over draft along with their fee and then deny me access to cleared funds in order to live? I do not have a outstanding debt with this bank and do feel that this unreasonable.
Product: Student loan

I've been making loan payments until the National Emergency Forbearance ( per Navient website ) due to Covid-19. I was advised the deferment of interest and payment ( Student Loan Payment Relief ) was from the effective date of XX/XX/2020, During the period of 0 % interest ( XX/XX/2020 through XX/XX/2020 XXXX, the full amount of your payments will be applied to principal once all the interest that accrued prior to XX/XX/XXXX is paid. 
I noticed that payments on some accounts were applied to Interest even after the Cares Act enacted. I've contacted them via email and with documentation on XX/XX/2020 and have not received a status or update to my account ( s ) affected.
Product: Money transfer, virtual currency, or money service

I was buying concert tickets. Was in conversation with women who said she would send tickets through ticketing website. I sent funds never received tickets and now have been blocked. This happened on XX/XX/2022. I sent {$150.00}.
Product: Student loan

I have submitted documents to apply for an income-driven repayment plan 4 times.   The company keeps replying they ca n't read the documents I sent  ( they were scanned and sent in two different formats. ) The last time I submitted paperwork they replied Asking for a document I already submitted. They keep delaying my application in order to add more interest to my debt. All the documentation was properly submitted, and I have the emails to prove it. Nelnet is maliciously delaying the process.
Product: Money transfer, virtual currency, or money service

I am writing to formally state that I have been a victim of fraud and misuse related to the practices outlined in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, XXXX XXXX XXXXXXXX, JPMorgan Chase, and XXXX XXXX. Due to the lack of proper consumer safeguards and failure to protect users from fraudulent transactions, I have suffered financial losses and have been denied rightful reimbursement. 

I was a victim of fraud through XXXX in the sum of XXXX - two payments of {$5000.00}. 
Like many others, I placed trust in these financial institutions, only to be left without recourse when fraudulent activity occurred. Despite reporting the fraud, I received little to no assistance in recovering my funds. The failure of these banks and XXXX XXXX XXXX to properly investigate and prevent fraud has directly impacted me, and I seek accountability and appropriate redress. 

I stand in support of the CFPBs efforts to hold these institutions accountable and urge for necessary reforms to ensure that consumers are adequately protected from financial fraud in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXXXXXX {$40000.00} XXXX   XXXX {$3800.00} XXXX XXXX {$6300.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX   XXXX {$40000.00} XXXX AR XXXX {$980.00}
Product: Student loan

in XXXX I went to enroll into RN school and i was told to apply for the load and if i receive the loan i would be able to sit for my boards and my record wouldnt be a problem. when i graduated i was not able to sit for my boards because of my record. I applied for a load discharge and was denied because i didnt prove i went to the school when that was not one of the legal requirements. now in XXXX im getting over {$400.00} 2x a week garnished from my pay.
Product: Credit card

I have attached documents that explain what happened during a recent credit card dispute. I submitted my vehicle to an ill reputed mechanic shop and did not get the service that I had asked for, but was charged {$650.00}. Capital One then asked me for documentation to prove that the original mechanics had not provided the service I had asked, and I provided them with a receipt from an inspection by a XXXX dealership showing that the problems which XXXX XXXX had originally agreed to address were not addressed at all. Capital One told me that the documentation was not enough and then made unreasonable demands for follow up documentation. Specifically, they asked for signed letterhead from XXXX specifically naming XXXX XXXX as the mechanic that failed to provide the service I specified. I do n't know how XXXX could possibly have known what I asked the XXXX XXXX to do. It was an unreasonable demand and I felt that Capital One was just trying to shut the case down.
Product: Debt collection

I am writing to formally dispute and request the correction of inaccurate information on my credit report. After careful review, I have identified discrepancies in the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED : XXXX XXXX, XXXX BALANCE : {$1100.00}, XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$430.00}, and XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}. The aforementioned accounts are currently reported with late payment dates and negative status, which is inaccurate. I have contacted the respective creditors, and they have acknowledged that the late payment dates and negative status were the result of an internal error on their part. Consequently, they have agreed to rectify these inaccuracies and remove the negative information associated with these accounts. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX XXXX violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) 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.
Product: Debt collection

1 ) They inaccurately reported information to the credit reporting companies severely damaging my ability to obtain credit for a house, car, and utility payments 2 ) On XX/XX/2023 XXXX XXXX XXXX XXXX Threatened to sue me when it is clearly stated in my card member agreement that all issues should be settled via arbitration I have attached files showing the following : 1 ) Notification of Intention to Incur Court Costs by Filing Suit Letter 2 ) Proof of Adverse Action : Mortgage Denial, Car Loan Denial, Credit Card Denial 3 ) Arbitration Agreement 4 ) Applicable Segment of My Credit Report 5 ) Pre-Arbitration Demand Letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted lexis nexis several times about the Bankruptcy that appears on my credit report which some company use my information to filed bankruptcy in my name that can't be vertified by the court or creditors. Also XXXX, XXXX  was order by the court to dispute or deleted these items off my credit report.
Product: Credit card or prepaid card

I applied for Target account XXXX individually. In XXXX, I added an authorized user. I never asked nor was I told that authorized user would be a joint owner on the account. My target card has always had an available balance of {$13000.00}. I made a purchase of {$4500.00} on XX/XX/XXXX. I made a payment of {$4200.00} on XX/XX/XXXX. I called target to check my account to find out that they had lowered my credit limit with no available credit. I called and asked Target why they never sent me a letter stating they were lowering my credit limit and there was no answer. I explained to them that because of the balance decrease it greatly affected my credit score. I also called XX/XX/XXXX, to see if I could remove the authorized user but target added the authorize user to the account as joint owner, because of this also affecting his credit score. Target rep said that he could see where I initially opened the account in XXXX and added him as an authorized user. Target claimed he was added as a joint account holder. I asked them for the initial application and the form where I added the authorize user as a joint account holder. Target customer service rep. He told me Target does not have any documentation but here is an address that you can try.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against cash app Block Inc. Due to inadequate customer service and unfair practices which violated CFPA. Cash app have failed to protect us consumers from fraud on their platform which made my account not protected and leaving me with no peace of mind. Their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements EFTA and Regulation E. These issues have caused financial loss and I am seeking for this to be resolved.
Product: Checking or savings account

My name is XXXX XXXX I was recently a customer with chase bank. I had a roommate living with me for a significant amount of time and I had no knowledge that she had been keeping a note book of my information as well as stealing my cell phone that had information stored in it. She stole my phone and essentially used it to make 2 separate XXXX XXXX  she use this information to steal alot of money from my account and leave it over drawn. When I became aware of this I disputed the transactions. There were so many that it was done in several claims. In 5 or 6 I believe the disputes where mostly ruled in my favor but there was one that was not totaling XXXX dollars they closed my account and said I owed them these funds. My issue is that I don't understand how they could determine this if Evey other dispute was ruled in my favor it make no sense that I was denied this dispute but in every situation it was all the same information provided and nothing more. They also told me my account was closed but still accepted my work check into the account. Leaving me with out money. In my savings account I still had XXXX dollars they just took that money never issued a check and never subtracted the XXXX from what I supposedly owe
Product: Credit card

Upon meticulous review of my credit report, I have discovered unauthorized charges that resulted in an increased balance and accrued interest on the closed account. All payments were done on XXXX/XXXX/XXXX, the account was finally closed on XX/XX/year> as requested over the phone by me. This event has adversely impacted my credit score, impeding my financial opportunities, as I have been reported to all credit bureaus for a non existing balance on a closed account. 


Having such a low score at this very moment is directly impacting my abilities to buy a house, refinance my vehicle and even rent an apartment. 

Help over the phone does not have any effect on this situation. The bank rely heavily on automated systems, meanwhile customer service only read off of a prompt screen, yet no solution to this case, days go by and I keep getting directly affected.
Product: Money transfer, virtual currency, or money service

I am a customer at Bank of America. I sent {$1000.00} to XXXX today, XX/XX/XXXX. 
USD to XXXX XXXX Rate today is ( As per XXXX ) : XXXX XXXX XXXX : XXXX ( XXXX ) XXXX As of XXXX XXXX XXXX XX/XX/XXXX I was given a exchange rate of XXXX USD = XXXX XXXX That is almost 3 % of the total amount. 
They never disclose during the transaction what is their rationale behind this low exchange rate. 

This is defrauding the unsuspecting customer.
Product: Credit card

I made a mistake paying {$5000.00} to Capital One credit card company. On XX/XX/XXXX, we called and stated the mistake. Their call center said that they will issue a check. After XXXX  days, XX/XX/XXXX, we did a follow up. We were told that it wasn't processed. We accepted our fate and were told to wait XXXX. It's now XX/XX/XXXX, we did another follow up and were told that they didn't process the issuance of the check coz it's too early on XX/XX/XXXX. So I asked the assigned XXXX named XXXX XXXX badge # XXXX ) what about XX/XX/XXXX? I didn't call just to say Hi? He couldn't tell me the history on that conversation for that date. But confirmed that a call was processed. It also clearly stated that it's a recorded conversation. Now he's telling me to wait another 10 days. It's not fair for that company to hold on to that money for this long while the other account is accumulating daily APR. We're retirees and money is tight for us. Their incompetence cost us great deal, financially and emotionally. Everyday waiting for that check to arrive. He even refused to expedite our request and insisted nothing he could do for " their '' mistake. I'm extremely disappointed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I received a welcome email from Chime XX/XX/2023. The next day, there was an email from them that my debit card was on the way to my current address. Did not pay attention with the holidays and all. I have received XXXX emails from Chime 's Pay Anyone where money was being sent back and forth. I just forwarded all the emails to XXXX. A few minutes later, I received an account closure notification email from Chime stating they've decided to end their relationship with me. They never had one. No mention of an investigation of how the fraudulent account was opened. This company really needs to upgrade their verification methods to combat fraud and identity theft.
Product: Student loan

XXXX unaware of this debt nor did I have the opportunity to dispute his debt. I did not receive proper notification and if in fact, you believe you provided me with proper notification, please send me a certified receipt with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, was sold it was not in foreclosure it was sold on a short sale this needs to be corrected.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a charge-off account from XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX on my credit report, and to request its removal due to multiple inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Student loan

I have loans from XXXX XXXX. I was told that I was consolidating my loans and was on a monthly payment plan which was taken directly from my bank account monthly. A few months ago I received a call that I had loans in default. When asked how that was possible I was told that my loans were not consolidated. But put into groups where a few were being paid on and others not. Then they followed to explain that my monthly payments would double even though I was in " good standing '' on the payments I told were loans consolidated into two payments monthly. If I was given the correct information I would have been able to pay on all my loans. But now I believe that the company Navient ( aka XXXX XXXX ) is just overcharging me for loans that I did not even know existed or where they came from. Then when I asked them what are my options on payment plans I am told I need to pay the amounts they tell me and that is my only options.
Product: Credit reporting or other personal consumer reports

This account with XXXX XXXX  through XXXX XXXX, is to inform all three credit reporting barrels, XXXX, TransUnion, and XXXX that XXXX XXXX XXXX XXXX was never late on any of his payments. I accept all delinquencies be deleted immediately off credit report for it is harming my credit profile, this is legal proof that the account is in good standing and has never been late. Please remove all delinquencies effective immediately.