23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I received a Chase Auto Loan for a new car in 2012. I set the account up for automatic deductions from my bank account. These went like clockwork for five years. When the last payment was due Chase sent me a letter asking for a check with a specific amount that would pay off the loan. I sent them the check. When I looked at my checking account statement I saw that they processed my check and subsequently made an extra automatic deduction that they did n't deserve for a Paid-in-full loan. Apparently Chase is n't able to discern when it has been paid-in-full and will keep helping itself from your checking account until you go into Chase.com and stop them. When I tried to go into Chase.com the system would n't recognize me - probably because my loan was paid-in-full and thus my account was closed. This is the perfect feedback loop. You pay them in full but you ca n't get in to stop the payments because your account is paid in full. After about an hour I was able to get to someone with the technical ability to stop the payments. Now Chase is sitting on {$620.00} that belongs to me. I will be pleasantly surprised if I ever get it back.
Product: Mortgage

On two separate occasions now I've paid my monthly mortgage by check and added a significant amount of additional principal. I regularly add an extra {$1000.00} - {$2000.00} toward principal throughout the year without any issues. However, when I send a check that includes an extra {$10000.00} or more, both times it has gotten processed incorrectly, with the extra money not being applied to my loan at all, like it's just missing! My bank shows the full check cashed but my mortgage company payment history shows I only paid the monthly payment! 

The first time I called the mortgage company they said they'd fix it and to wait 3-5 business days, I waited and they money didn't show up credited to my mortgage. So I called again, I felt like the money was missing in thin air, so I threatened to cancel the check and call my bank. The mortgage company seemed OK with me cancelling the check and trying to make the payment again. I said forget that, I want the payment credited back to the date the check processed to get interest credit! 

So they asked me to contact my bank for special transfer numbers. After multiple calls to the mortgage company and my bank to get special payment numbers, the mortgage company finally found my original check payment and applied it correctly. 

We'll see what happens this time around. I submitted the issue to them via contact us online and called them this morning. This morning they said they submitted a request to correct it but couldn't give me a reference number, telling my no worries the call is recorded. So now I wait 5 business days like last time hoping it goes through. Hopefully, 5 days from now I'm not calling back with the same experience as last time.
Product: Debt collection

My credit file includes several accounts that I suspect are fraudulent. I ask that these accounts be blocked and removed immediately.
Product: Credit reporting or other personal consumer reports

I'm a survivor of fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act. The list of accounts below gas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX Account name : XXXX  XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX has violated my rights. 
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 15 U.S.C. 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Hello this is XXXX XXXX with current address at XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX My account number is XXXX I'm your customer for over 2 years now. 
So far everything goes well with my XXXX project account.

Im writing because I noticed that my most recent credit report contains a late payment reported that is really hurting my credit now.

I want you to know that I understand my financial obligations. Id have an excellent repayment records. 
I made a mistake in falling behind, because I was out of country for 2 months and due to Covid-19 Travel restrictions I was not able to come back on time and do my payment in timely manner.

My payment history for the last 9 years was 100 % up until this belated accident.

We all know how difficult was in the last two years with COVID-19 and I still tried to do my best.

Thank you for your consideration, and I hope you'll will help me to resolve this issue.

Best regards.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


TRANSUNION : XXXX XXXX  XXXX, account number XXXX XXXX : XXXX XXXX XXXXXXXX , account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Student loan

I have been owed a {$2400.00} refund for an overpayment to XXXX, when I refinanced my loan with XXXX. XXXX has known about this since XXXX when they were paid in full by my new loan handler. I have filed a formal complaint with the XXXX XXXX XXXX and after a month, they just filed my complaint as " unresolved. ( Unresolved complaint filed with XXXX, ID # XXXX ) The XXXX have been unable to obtain my refund. XXXX suggested I contact your organization to look into this. I have been getting the same, nonsensical lack of information from XXXX since XXXX when I discussed with them that the instructions I followed for refinancing with XXXX would result in a large overpayment. They told me originally don't worry as it will be refunded ASAP. It has now been more than 4 months since XXXX received a payoff amount from XXXX and XXXX has not refunded the money to me or to XXXX. Should I file a lawsuit? A police report for theft?? Please advise. 
XXXX XXXX
Product: Checking or savings account

I tried to open both checking and saving account with Citizen Bank. A week later, I received debit card with PIN number in separate mail. However, I am ending with that I couldnt activate my account anymore. Then, I received a letter from citizen bank that saying they are going to close both of my accounts and they will no longer maintain banking relationship with me. I have no clue what is going on. And I have very good record with banking system.
Product: Student loan

I received an email saying that I had until XX/XX/XXXX to submit my loan payment for the month. When I attempted to log in, I got a " Site under maintenance '' page. No biggie, I work in software so I waited a few hours and tried again. Same page. 

I looked online and found a twitter post from XXXX  ( @ XXXX ) on XX/XX/XXXX, stating : " We are currently experiencing technical difficulties with our mobile application. We apologize for any inconvenience this may cause and we will notify you when this is resolved. '' Only it's not isolated to the mobile application. I can't access the customer support information from the site, I can't repay my loan from the site. And I'm not aware of any other ways that I can make a payment. There are tweets in the thread spanning from XX/XX/XXXX to XX/XX/XXXX, with people complaining that they're unable to log in. 

I can't access the contact information for the company either, because when I click " Contact Us '' on the main page, it says " Site under maintenance ''. 

I looked at their online terms of service, and there's a clause that states they aren't responsible for inability to access repayment portals even if they are the ones that caused it. 

Snippet from the Warranties Disclaimer from PHEAA 's Online Services Terms of Use " YOU ACKNOWLEDGE AND AGREE TO USE ONLINE SERVICE AND ANY MATERIALS OR INFORMATION PROVIDED BY PHEAA ( INCLUDING THIRD PARTY INFORMATION, PRODUCTS, AND CONTENT ) AT YOUR SOLE RISK AND THAT PHEAA CAN NOT GUARANTEE AND DOES NOT WARRANT THAT YOUR ACCESSS WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE OR THAT THE INFORMATION ACCESSIBLE FROM ONLINE SERVICES WILL BE FREE OF COMPUTER VIRUSES ''
Product: Credit reporting or other personal consumer reports

In the process of working on cleaning up credit and got credit report for myself only to find out that someone had run my credit, dropping it XXXX points. I did not authorize this report to be done. 
XXXX XXXX XXXX ran my credit on XX/XX/year>, without my knowledge.
Product: Checking or savings account

I am writing a file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settles with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Mortgage

Wells Fargo offers various rate discounts to their jumbo loan products by selling a deposit account from {$250000.00} - $ XXXX. 

Wells Fargo agents are trained by their direct managers to suggest moving the funds to the new account in order to get the discount, and then immediately transferring the funds back after closing ( manipulating the process ) and winning jumbo loan business. 

I would think this is a fair lending issue. I would love to transfer {$10000.00} to Wells Fargo in order to get XXXX of my {$300000.00} mortgage. 

Another example of Wells Fargo proving inconsistent service based on redlining
Product: Mortgage

I called the company again today after a 40 minute hold. I let the company know that they blocked my from paying online and by phone. I also informed the operator that they sent me COVID 19 paperwork with the incorrect amount listed. Stating that I would owe of {$11000.00} or more which is an EGREGIOUS mathematical error. After informing the operator, she began to be rude and hostile. I told her that I would not tolerate that attitude and requested to be transferred to the US branch. At that point the operator hung up on me. 

I REQUEST again that XXXX, the worst account manager in this company be removed from my account. Also, " XXXX '' who hung up on me. 

Then I called back a 3rd time to hear " XXXX '' tell me how highly trained his department is so I got another opportunity to ask up to 5 times to be transferred. 

This company is XXXX ... UNPROFESSIONAL and XXXX.
Product: Mortgage

I've been making my payments via phone to Caliber Homeloans and pay an extra {$8.00} a month. Never missed a payment nor has one ever been late. 
This week I get a letter due to so many insufficent funds I now have to get a money order. I've called numerous times they said I set up a automated account which I started to but I have never used. Caliber has tried taking my money. XXXX XXXX has now blocked Caliber. All my payments are from XXXX and have been on time for 3 years. Today I had to pay {$25.00} to have my check over night sent. I asked if caliber could make my payment date the XXXX since I get paid on the XXXX they said no unless I want to refinance.IVE NEVER HAD A LATE PAYMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted paperwork to XXXX, XXXX, and Experian on XX/XX/2021 and I have yet to get a response stating the findings of the investigation into my credit report. The fact that this situation has my future on hold is frustrating. I need them to do their job and ensure my report is correct.
Product: Credit card or prepaid card

Hard inquiry on credit report from Bank of America on XX/XX/22 and email from Bank of America stating card application declined on XX/XX/22. Separate cards applied for not by me.
Product: Mortgage

This is the 5th or 6th complaint on XXXX/Altisource for this fraudulent behavior. Can you please, please investigate. It continues and it gets worse! 
The house has been improperly and illegally foreclosed. 
Stolen payments, from Chapter XXXX, many different servicers, and in-house modifications. 

NOW THE NEW PROBLEM ; I HAVE A RELOCATION AGREEMENT THRU ALTISOURCE TO VACATE BY XXXX XXXX AND RECEIVE {$4300.00} TO AVOID EVICTION. I HAVE 4-5 E-MAILS CONFIRMING, ON SATURDAY XXXX XXXX/ALTISOURCE EMBARRASSED ME AT HOME IN FRONT OF MY NEIGHBORS WITH A CONTABLE SERVING ME AN EVICTION AND COURT DATE. 
How can this happen in America? This was a malicious act and done purposefully by the some or all of the above parties. The money ( XXXX ) is a drop in the bucket to the amount they have stolen, insulting completely. The amount stolen of the payment history and trustee report is XXXX XXXX. The amount added to modification is approximately XXXX ( un-justified and never explained ) NOW COMES COURT DATES AND XXXX TAX ISSUES. 
I will attach emails.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

On my credit report it shows I have late payments, when you check those payments you can see they are not late they are on time.
Product: Checking or savings account

To Whom It May Concern, This is a complaint against XXXX XXXX for my frozen checking account with total balance of {$13000.00}. It came to my attention on Monday XX/XX/XXXX at XXXX XXXX XXXX that my checking account number has been frozen without any notice. I made phone call immediately and after being transfer from one department to another nothing was achieved to fix the problem. 

Again, on Monday XX/XX/XXXX at XXXX PM I called to the number provided on my checking account to have the issue fixed and unfreeze my account. After speaking with 9 different representatives, I was passed from one department to another and for twice I transferred to the same initial department when I called at XXXX. 
I told 3 of the representatives they need to make a note on my account as someone needs to call me from the fraud investigation department to unfreeze my checking account immediately. 

I mentioned that XXXX XXXX is very unprofessional as they must informed and contacted me by phone call or written communication that my account has been frozen. I had my checking account since XXXX, and all my transactions runs through this checking account. 

I clarify with the bank that any delay or rejection of payments made by this account that may results in reflection on my credit score or late fees is the responsibility of XXXX, and I look for the reimbursement costs of damages made to me by lack of professionalism and communication from CapitalOne which is against the XXXX banking regulation. 

I informed the representatives that I am recording this call, and I will contact CFPB, if issue does not get resolved within the next 24 hours and follow up from the CapitalOne. 

As of today Thursday XX/XX/XXXX, no phone call, email, or written form of communication has been received. 

I am looking for my total account balance of {$13000.00} to be unfrozen immediately as the frozen funds are affecting my financial situation and basic life needs such as paying loans, credit card payments, rents, purchasing food, medicine, and life necessities. 

I am looking for your help and assistance in this important matter as it is interrupting with my personal and financial life which my results me further losses and inconvenience. 

Thank you,
Product: Debt collection

This debt was charged off. The last activity on this account was in XXXX which is beyond the statute of limitations to collect on this debt. Once charged off this company increased the amount of debt they were collecting on and continued to report to credit bureaus in XXXX. This debt needs to be removed immediately as they are no longer able to collect on this debt due to the statute.
Product: Debt collection

Submitted complaint on XX/XX/XXXX to cfpb, # XXXX. Case was closed without resolution. Requesting immediate resolution. Complaint restated : On XX/XX/XXXX I sent a debt validation request via certified mail to Aargon collection agency requesting they provide me with competent evidence that I have any legal obligation to pay them. I received a letter from Aargon with in the 30 day window on XX/XX/XXXX. Aargon failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulation. I have never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file immediately. 

Company responded on XX/XX/XXXX to cfpb. 

Results : " Our office is requesting the signed HIPAA authorization and financial agreement from our client that the consumer would have signed during their admissions process. We will provide this to the consumer as soon as our client provides the information. '' It has been over 60 days and I have yet to see a HIPAA authorization produced. Please delete this item from all credit agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights.. 


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 consume reporting agency can not furnish a account without mt written instructions.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX SENT OUT DISPUTE LETTERS TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXX FIN - XXXX, XXXX XXXX, XXXX - XXXX AND ALL NEW OR OLD INQUIRES CAPITAL XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX  XXXX XXXX. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED INCORRECT INFORMATION HARMING MY LIVIEHOOD.
Product: Credit card

I opened a Macy 's credit card account XX/XX/2015. I set up bill payment through my bank account, with their approval. This worked for one month but no other bills appeared. They started calling, asked for payment. When I returned the collection call, the rep investigated and admitted that they had " changed their system '' and had not in fact notified me of that, nor had they sent a bill. The rep said they would send a bill and eliminate any " overdue '' charges. The bill did not arrive. I asked for a bill on the phone, repeatedly, without success. Finally, I sent a registered letter. Now I have received the itemized bill. I have sent a check for the purchase amount. However, they have added " finance '' charges dating back to XX/XX/XXXX, before they sent the bill. My credit record is nearly perfect and I do not want any blemish of any sort.
Product: Debt collection

I have no debts but they call me saying that I do. This is extortion and unlawful
Product: Debt collection

I filed BANKRUPTCY back in XX/XX/XXXX and debt was discharged and I started getting negative notification on my credit report that Certified Services are still added negative and listing the discharge account on my credit report account status as NEW ACCOUNT, which impacting me improving my credit report as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fail '' credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

LVNV has denied me my right to have a debt verified in accordance with the Fair Credit Reporting Act Section 609. LVNV Funding has not provided sufficient evidence to prove that I actually owe this debt. They have also NOT provided proof they are licensed to collect debts in the state of Florida. This is now my third attempt to have this company validate this debt. I will be reporting this to the FTC and Florida Attorney General for their blatant violation of my rights. I need to see the rest of the paperwork/contracts you have from the original creditor. Present the terms and conditions that gives the interest rate. 
I am requesting all documents in whole, pertaining to this alleged contract/assignment of debt from all transactions up until this point.
Product: Credit card

I am disputing the collection account with SANTANDER account number XXXX dated XX/XX/2021, with a balance of $ XXXX account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Checking or savings account

On XX/XX/2019 my credit card was compromised by a unauthorized user of Paypal. I have included the credit card number used below. Two charger were made on XX/XX/2019 for {$600.00} and {$720.00}. I contacted Paypal customer service department located in the XXXX on XX/XX/XXXX and XX/XX/XXXX to let them know about the fraudulent transactions. They have refunded my {$600.00} but not the {$720.00}. I am demanding that the remainder of my funds in the amount of {$720.00} is returned to me immediately. 

Credit Card Number : XXXX