23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I submitted a electronic ACH payment ( as I normally do ) to Ford Motor Credit for my XXXX, 2016 car payment which is not being credited to the account. This is not the first time Ford Motor Credit has made a mistake by misapplying a timely-made payment.
Product: Money transfer, virtual currency, or money service

I writing to firmly express my concerns regarding Zelles handling of disputes. particularly in the light of the recent lawsuit with CFPB highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, My financial institution in Zelle, failed to investigate my claims adequately They informed me that recovering lost funds was impossible that tracking these funds was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected consumers but has allowed repeat offenders to export the system and make it vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX & XX/XX/XXXX ). Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thankyou for your understanding and prompt action.
Product: Mortgage

I ca n't pay no more the apartmente because of XXXX. I want to deen in lieu the apartment but the bank do n't want to received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. Please remove this fraudulent accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Security National Mortgage is reporting inaccurately on my credit report. This account was transferred to XXXX  XXXX and I have been paying my dues with XXXX  XXXX on time every month. Not once did I ever need to pay Security National because it was transferred Immediately. Well recently I checked my credit and noticed that Security National Mortgage was reporting me late and still had this account open?!? I received a letter from Security National that my account was closed and sold to XXXX  XXXX so why is it reporting lates and a balance? This is a violation and needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated an investigation on a disputed on several accounts of which several were 7 years old. The company chose to update it though the account was opened 7 years or older and inthe dusputes the consumer is not given priority in these cases. The companies are. In the event of XXXX, they had a security breach and I can not access my report. A dispute was started on XX/XX/XXXX with XXXX. XXXX  would not allow me access to my report. I have been denied credit because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

FedLoan Servicing originally serviced my loans. They did not follow through on my request, in XXXX, to have my payments made after XX/XX/XXXX ( during the COVID 19 pandemic ) refunded through the CARES Act and they did not communicate this to XXXX, who took over as my loan servicer. By the time I was able to meaningfully connect with a helpful person at XXXX ( call wait times were prohibitively long during my work day ), I was told that I had missed the deadline to request a refund, even though my initial request was made far in advance of a deadline that I was not aware existed ( I wasnt able to find any communication from XXXX that a deadline was enacted ). I have tried every avenue to find a way to receive this refund and Im not sure where to go from here. Thank you for your time Im so appreciative of any help you can provide.
Product: Mortgage

After a pre-approval for the mortgage, I sent the signed sales agreement in on XXXX. XXXX, 2021. I had no response until the second email on XXXX XXXX. The whole process was one of not getting a response to phone call or email. Sometimes he would respond almost a week later. On XXXX XXXX th. - XXXX  days before closing- they asked for more documents to complete the loan. I sent some and my previous bank sent the rest on the XXXX. When I asked if they received the documents there was no response. On the day before closing they finally respond and say they couldn't open the email and don't have the required documents. And closing date has to be pushed back a week. We still didn't have closing and I can't get in contact with them. Overall it was a terrible experience and one of trying to get them the needed documents. They usually did not acknowledge whether or not they received an email until a couple days later. Some of the documents they ask for I had already sent previously. They still have not confirmed that they have all the required documents. - I can't send the documents if they don't tell me what to send-. I tried to contact the manager and just received his voicemail. I left him a message and he never returned my phone call. I do not reccommend dealing with this bank for any lending services.
Product: Debt collection

Capital Link Management is not only sending unauthorized wrong-party phone and text debt collection messages to my personal cell phone, but they have revealed, in detail, the debt of a party completely unrelated to me in violation of the FDCPA. That detail includes, without verification of my identity or cell phone authorization, the wrong-party name of the debtor a detailed amount owed. 
Their ( now redacted ) unlawful message reads " Hello, XXXX XXXX, our office Capital Link Management, has been granted the ability to provide an equitable settlement or payment plan on Balance Credit, account. XXXX $ XXXX,. Option 1. pay one time $ XXXX, or $ XXXX, over a year period. Please Call XXXX at XXXX. Thank you. If you wish to no longer receive text messages, please reply STOP. ''
Product: Credit card or prepaid card

Macy 's XX/XX/2019 Payment Due Date New Balance XXXX which included a carryover balance from the previous month of {$1.00} plus {$2.00} minimum interest charge. 

I paid {$3.00} on XX/XX/XXXX. 

XX/XX/2019 Payment Due Date New Balance XXXX which is the minimum interest charge I don't understand how they can charge me an minimum interest charge when I paid my balance in full. It seems like its a never ending cycle. 

I called and the representative said if you pay your bills on time you won't be charged fees. I pay my bills on time and always make more than the minimum payment. I have perfect credit and a great score. I think they are trying to gouge the consumer and to me something is wrong here. How can the minimum interest be more than the balance for one? And why would I be charged the minimum interest if I don't even have a balance.
Product: Student loan

Around XX/XX/XXXX I received letters from Nelnet loan servicer bills from old student loans. 
Over a decade ago I consolidated these loans 10 down to 2 loans. My account went from Great Lakes to Nelnet. From Nelnet to XXXX. From XXXX to XXXX. 
Now these loans have showed back up with Nelnet unconsolidated. They have not been able to tell me why after over 10 years my loans are suddenly back. 
Around XX/XX/year>, I filed a Borrower Defense of Repayment with the department of education. XXXX has that information, however Nelnet says they know nothing about it. 
I was told by Nelnet I am to start paying these loans next year. When they shouldn't even be my servicers anymore. They are not working with me at all. I was then told to take to talk to the department of education. 
The department of Education is also saying to reconsolidate my loans, even though I have done this before. 
My loans have now doubled from XXXX to XXXX. My education didn't even cost that much. Something is going on and none of these companies can give me answers. 
This has greatly affected my credit score as well. 
Not sure what else to do. Someone is trying to get over on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
The identified transactions are not information related to any transaction by me as the consumer : DEPTEDXXXX  XX/XX/2017 DEPTEDXXXX  XX/XX/2017 Following receiving this notice do not place a fraud alert on my consumer file
Product: Mortgage

I received a letter from Chase, stating there was a lapse of home coverage insurance. 
I immediately got XXXX to issue me a policy and contact their insurance department with proof of insurance and the representative from Chase says that I had 30 days to rectify the problem, which I did immediately, I have no idea what happened from prior insurance. but apparently they canceled insurance or they were not going to renew it, I did not receive no letter or communication from Chase stating to the fact there was no insurance at my house, I only receive one letter saying that I had 30 days to rectify this problem which I immediately did, two weeks from that I received another letter from Chase stating they were going to charge me {$240.00} for not having insurance from XX/XX/2021 to XX/XX/2021. this is so wrong in so many ways. they're looking for ways to nickel and dime you for-profits. I hope someone can learn from my experience from Chase and dome back with them I'm going to try to refinance and go to a different bank preferably a local bank, with the more personal and understanding policies towards consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX  account numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.D 1681 section 602 A. States I have the right to privacy.

15 U.S.D 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

I rented an apartment back in XXXX with a friend. I moved out of the apartment in XXXX. However, my friend stayed in the apartment. I went to the main office and requested my name to be removed from the lease, I was told that everything will be OK and my was would be removed. I later found out that my friend was behind on the rent and my name was still on the lease. Since I 've already moved out of the apartment and requested my name to be removed from the lease I am not entitled to this amount. I would like to get it removed from my credit score because it is affecting me. I am not able to get a loan for a mortgage, and buy a house for me and my family.
Product: Checking or savings account

i had link my checking acct:XXXX  with XXXX  XXXX  acct :XXXX  on XX/XX/19 and by XX/XX/19 transfer {$2500.00} to XXXX XXXX  acct. it came back to santander account on XX/XX/19 and despite i called and spoke to mrs. XXXX to cancel transfer it was " allegedly '' sent back to XXXX  XXXX  but XXXX never got it. we spent hours on a phone with both banks and hours in both branches and today found out XXXX  XXXX  never got it and it held by santander bank somewhere no one knows where.i am XXXX  person and it is my pension.Please find it and let me take my money asap.i need money for food and medical expenses and because of santander bank i am unable receive my pension.XXXX  XXXX  manager XXXX XXXX today, after we went twice there and sat for 4 hours in the branch show us money never came to XXXX.Wednesday,XX/XX/19 i called to santander bank XXXX and spent 2 hours then was hang up by the supervisor Mrs.Bruno and all i insisted on was to open up a dispute of unauthorized transfer, was refused 5 times, transferred 5 times but finally when they agreed to file dispute i was hang up on
Product: Mortgage

I signed a modification agreement ( HFA Modification ) with the federal government that supersedes any other agreement. It was for the entire loan balance at that time. My original mortgage note was fixed, I never had an adjustable rate loan. The agreement I signed states that the interest rate is 2.375 and it may be adjusted only if my original note was an adjustable loan. That is not the case Every year Mr. Cooper FKA XXXX XXXX tries to increase my payment. I made a complaint previously about them and they apologized and fixed it. Now they are doing it again. Please help me.
Product: Debt collection

Upon checking my credit report through XXXX XXXX  on XX/XX/year> I noticed a new collection from a company called CKS Prime investments. It is a debt collection agency from original credit XXXX XXXX XXXX in the amount of {$2400.00}. 
I had an account with XXXX XXXX over 15 years ago and it has been taken care of and discharged. 
I am a victim of several breaches for which I have been in contact to remedy this situation. 
This is not my current debt it has not been accrued by me. 
XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I scheduled a payment which was late, but tried to establish the payment for XX/XX/2023. XXXX XXXX online portal switched the " payment date '' to XX/XX/2023 which is the date for when I went to schedule the payment to effect a payment date, but I clearly put XX/XX/2023 in the date field. This is concerning and is considered fraud and potentially theft. I was aware that the payment was behind and I had plans to pay it, but this company having their system do this will almost certainly cause issues if there aren't enough funds on the date that they try and attempt taking the payment. 

This company is already being investigated for other forms of suspicious practices by none other than Attorney Generals across several states. 

I am beyond appalled and concerned and will probably be paying this off in a faster time frame now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX XXXX manage account number # XXXX and XXXX XXXX XXXX account number # XXXX and XXXX XXXX XXXX  account number # XXXX and XXXX XXXX XXXX  account # XXXX have violated my rights.

15 U.S.C 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604A. SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am informing you of collector harassment with One main financial XXXX XXXX XXXX XXXX mi XXXX I canceled ( XXXX ) single payment on XX/XX/2024 in the amount of XXXX on a loan ( this option is available in my loan agreement ) XXXX XX/XX/XXXX, I have been called 3 to 4 times a day, plus 1 to 2 text messages every few days, Monday thru friday, morning, XXXX, and night ( calls are prior to XXXX ) every single weekday, and still to this day. I missed a payment due to my mother 's heath declining, but have resumed regular payments again with the company one main financial on XX/XX/2024 for the full payment amounts of XXXX, but the calls are still everyday morning, XXXX, and night 3 times a day every weekday, and even on a saturday. Regarding the missed payment in XXXX. They have a " cancel payment " option on their payment agreement with myself, but nothing that says if you miss/cancel a payment we will non stop hound you for your miss payment. I have contacted my phone provided to obtain the call records from the phone number that one main financial in XXXX mi calls from as well as the text messages for proof of collection harassment. I have attached the calls that I have logged on my phone.
Product: Debt collection

In 2018 I was attending XXXX XXXX. I had been for a while and was getting financial aid. The last semester that I attended, I had turned in all of my financial aid info and started school. I was contacted by the financial aid office after saying I owed them for the full semester. I asked how was that possible and I get full financial aid? The young lady explained that she failed to turn my paperwork in to the department of education for them to send in my financial aid for that semester. It is being reviewed by the department of education and collection actions are supposed to be on hold until the investigation is completed. Today National credit management emailed a bill with all of my personal information, name address as well as full debt information to a shared email box that is used for business now without calling to verify that it was my personal email. I share that email box with my sisters and a couple other people. That is a violation especially including my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance Owed : {$0.00} and XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX
Product: Checking or savings account

Somehow my Wells Fargo account got set up for overdraft protection when I previously have not had that feature and charges would decline including reoccurring payments. It took me XXXX attempts to finally get an answer as to why that was happening and I was refunded XXXX overdraft charges but they initially only wanted to give me XXXX  % of the overdraft charges back. A supervisor gave me the whole amount back. I was told I was unenrolled from that, but XXXX  days later I still had XXXX overdraft charges to my account. The second supervisor was a complete XXXX  about it and did not want to give me anything back even though this was a Wells Fargo mistake ( for my account being somehow signed up for overdraft protection. ) She was completely rude and was not going to give me anything back until I told her I was going to open a claim with this consumer protection. She finally gave it back to me after that and then hung up on me. This is the worst customer service and scam. I used to be so happy with Wells Fargo and now they're complete fraud. They are still doing what they got sued for. Representatives are also only allowed to give XXXX  % back which is a total scam also. After speaking to the last route customer service supervisor I went to my account to take screenshots of all the overdraft refunds to provide to this site now I can not pull up all of them because part of my account search feature has been XXXX. Never have I had that happen until now so I can not even take screenshots of all the refunds from them fraudulently charging me overdraft fees.
Product: Bank account or service

info : at XXXXXXXXWelcomeA Citi representative will help you in approximately XXXX minutes XXXX seconds. 
info : at XXXXXXXXFor your protection, we 'll never ask you for passwords, PINs, User IDs, security words or any part of your social security number during a chat. Other information may be required to help us verify your identity. This chat may be recorded or monitored for quality purposes. 

You are now chatting with XXXX. 
XXXX : at XXXXXXXXWelcome to Citibank , my name is XXXX . How may I assist you today? 
XXXX : at XXXXXXXXGood morning XXXX . 
XXXX : at XXXXXXXXI hope you are doing well today. 
XXXX : at XXXXXXXXi have called the XXXX , NJ branch 7 times in order to schedule a notary appointmentXXXX : at XXXXXXXXno one answers. you closed all the branches in NJ but for this on on the other side of the state from meXXXX : at XXXXXXXXwhen i call they are busy and route me to the main computerized help serviceXXXX : at XXXXXXXX1/2 of those times you guys call and ca n't get throughXXXX : at XXXXXXXXI 'm sorry to hear this from you. 
XXXX : at XXXXXXXXso my concern is i pay {$25.00} for a checking account per monthXXXX : at XXXXXXXXand no one can help me get a notaryXXXX : at XXXXXXXXI 'll be glad to provide you the direct number of a branch. 
XXXX : at XXXXXXXXi ca n't travbel to citibank in XXXX just the schedule a notary on another dayXXXX : at XXXX can imagine this. 
XXXX : at XXXXXXXXi called that number XXXX times in three days ( and you guys called a XXXX times if you check my files ). 
XXXX : at XXXXXXXXis there a manager i can complain toXXXX : at XXXXXXXXbecause i am on the verge of shutting down my account altogetherXXXX : at XXXXXXXXI can imagine this XXXX. 
XXXX : at XXXXXXXXor maybe you want us to do that based on these issuesXXXX : at XXXXXXXXIn this case you can call our Citiphone team and complaint to a manager. 
XXXX : at XXXXXXXXyes i did that and they were busyXXXX : at XXXXXXXXso now i am chatting with youXXXX : at XXXX, I noticed that there is a state website for notary services. 
XXXX : at XXXXXXXXwhat does that meanXXXX : at XXXXXXXXI can help you with that link. 
XXXX : at XXXXXXXXPlease click on this : State Notary. 
XXXX : at XXXXXXXXthat a free service for my paid account though ... why ca n't you call and make that appintment for me ... i am here waitingXXXX : at XXXXXXXXif that 's the best you can do there is noXXXX : at XXXXXXXXpoint paying you {$25.00} for an account per month and XXXX brnaches in my area and no one picking up the phone at the branchXXXX : at XXXX, I would 've definitely done this if I had access to a phone. We do not a facility to reach out to our Citiphone team being in a chat 's communication center. 
XXXX : at XXXXXXXXthat link says i pay {$35.00} for the state to do it ... will you pay that fee since you are n't giving me what was promised or do i complain to the banking regulator about this? 
XXXX : at XXXXXXXXI can understand this XXXX . 
XXXX : at XXXXXXXXor will complain to cfpb and fdic thenSend