23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Over a period of several years, I have made many purchases at an office supply retailer, mostly paying for them with a credit card. On XXXX XXXX, 2016 I made a purchase, costing a little more than {$150.00}, using a personal check. To my great surprise the cashier advised me that my check was " denied '' and gave me no explanation. There was plenty more in my checking account to cover the cost and I have never written a bad check. I used a credit card and the transaction went through without a problem. The next day, out of great concern for why my check was denied, I returned to the retailer and spoke to the assistant manager. He was very professional and immediately offered to look into it. He made a phone call, asked me a number of questions and I answered them. He was advised that my check was " referred, '' not " denied, and was advised to tell me to call an XXXX number to learn why my check was " referred. '' Anxious to learn about my " problem, '' I returned home and called the number. The company was TeleCheck, unfortunately, a recorded voice answered and proceeded to ask me a number of personal questions, including the dollar amount of my purchase, date of the purchase, and entire line of data at the bottom of my check. After repeating this process at least three times, I was told that someone would be with me in a moment. Following about 10 minutes of silence, I got a busy signal and I hung up. I re-dialed, and went through the process again. The voice finally advised with words I believe were : " ... ( a few short words I do not recall followed by : ) sorry for the inconvenience. '' and disconnected. I had no opportunity to speak to a human being and was left wondering about my checking account, my credit rating, etc. I then XXXX " TeleCheck '' and learned from numerous, written, customer " complaints '' that they are a fraud. I made copies to pass on to the retailer and my banker, both of whom thanked me for the information. My big concern is that I have not been told why my check was " declined, '' initially, and then was " referred. '' Another big concern has to do with the company, TeleCheck. This is a company that has been in the security business a long time and is now regarded by many innocent customers as being a fraud. From what has happened to me ... providing the recorded voice with some very personal information about me and my checking account ... I am extremely suspect as to TeleCheck 's intentions. I can not help but believe that this is an attempt by TeleCheck to steal my identity information and make it available to others at a profit to themselves. After a long history of customer abuse, I do not understand why this company is allowed to continue doing business! I trust that you will look into this matter as soon as possible and will get back to me regarding the next step in this complaint by me. Thank you very much.
Product: Credit reporting

I had a dispute over some inaccurate information that Equifax supposedley verified, but they did not do an actual investigation. I called Equifax 's customer service number and the employee said that Equifax is n't responsible for actually verifying information, they just send the dispute, and the " verification '' is done through XXXX, in which all the creditor has to do is say their information is correct, and " that is good enough for them ''. 

XXXX XXXX Dictionary describes verification as " '' Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. 
Affidavit of truth of matter states an object of verification is to assure good faith in averments or statements of party. '' So in order for them to TRULY verify this account, they should be able to show me the sworn affidavit used to verify and the accompanying documentation as required pursuant to XXXX XXXX Dictionary which defines what " verification '' actually is. If not FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. So this should be deleted.
Product: Mortgage

My now deceased husband passed last XXXX XXXX I have been trying to get a hardship package done because my income reduced after the passing of my husband XXXX XXXX he has a Va loan I keep doing hardship packages from freedom mortgage and I keep getting the unprofessional discrimination treatment from them I have done about XXXX to XXXX applications for hardship and still nothing now they are disconnecting the calls claiming that they cant hear me XXXX XXXX I talk to someone who goes by the name of XXXX who supposedly to be my single point of contact Id : XXXX at freedom mortgage I am XXXX almost XXXX months behind on my mortgage and they said that I was sent a breach letter that I never received from freedom mortgage I have been discriminated against my distressed hardship my age and I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I cancelled my credit card account on XX/XX/XXXX but am still being charged an annual fee ( {$150.00} ). I cancelled the account three days after the fee was assessed ( XX/XX/XXXX ) but XXXX will not remove the fee. 

The reason I cancelled the card was because I could not afford the fee. I tried to cancel the card a year ago ( XX/XX/XXXX ) but the customer service rep convinced me to keep it by waiving the annual fee. Now they are saying they will not waive the fee again. I am not receiving any good or service for this fee and have not used the card in over a year. I cancelled the card within days of the fee being assessed, so it's not like I benefited from using the card.
Product: Debt collection

On XXXX XXXX 2017 I sent a letter to this collection agency referencing an alleged debt in the amount of {$2500.00}. I sent specific request for verification of the alleged debt they said I owed. The Collection agency returned a statement showing the alleged account was opened in 2017. I have no such knowledge of ever opening any account with alleged creditor or collection agency. 

I also sent written request for collection agency to provide documentation of : signed contract by me of the alleged account, verification from original creditor of date of initial and last payment of alleged debt, documentation collection agency purchased the alleged debt from original creditor to include a copy of agreement and or contract. 

The written request from me to the collection agency clearly communicated supporting documentation needed to support their claim. The requested documentation was not returned. This is why I am requesting the assistance of the Consumer Finance Protection Bureau.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 ( 251 days ago at time of this complaint being submitted ) XXXX XXXX XXXX me {$1000.00} for services rendered. A couple weeks later she filed a fraud chargeback on the {$1000.00}. It was investigated for ~180 days and then found in my favor and the {$1000.00} was sent back to me in its entirety by Zelle and XXXX XXXX XXXXXXXX XXXX 

Yesterday, XX/XX/2022, Zelle allowed XXXX to open a second chargeback on that same original transaction from XX/XX/2022. I was on the phone with 6 different people, spanning 3 hours. XXXX from Tennessee @ Zelle said ( on a recorded line ) said that this second chargeback should not have been allowed to be filed, but she couldnt view details. Then she transferred me to XXXX. XXXX with Zelle Fraud and the supervisor XXXX said they were unable to help me and the investigation has to happen. 

Them allowing a second chargeback is in direct violation of their corporate policy outlined here : XXXX XXXX XXXX. To quote them : We can only attempt to dispute a transaction that happened within 120 days. 

XXXX from Texas, another supervisor said the original claim was filed wrong but will not point me to a published article or policy by Zelle which contradicts or supercedes their 120 day policy. They are a multibillion dollar entity who has employees saying different things, supervisors contradicting written policy, and they just keep passing me around to repeat my same story to yet more people. 

I am completely dissatisfied and need this to be resolved, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT PROVIDE MY PREMISSION FOR THESE ACCOUNTS TO BE AUTHORIZED OR TO GET ADVANTAGES FROM THEM.
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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX provided a mortgage payoff statement showing {$68000.00} was due in order to complete a refinance of the mortgage and pay off the existing loan. The payoff was provided on XXXX/XXXX/XXXX and was good through XXXX/XXXX/XXXX. The refinance closed on XXXX/XXXX/XXXX and the full amount ( {$68000.00} ) was sent to XXXX XXXX Services. A few weeks later they began calling me saying i still owed $ XXXX. However, they will not provide details as to what that $ XXXX relates to. They wont provide a detailed statement, but instead are requesting payment in order to prevent my account going to collections and negatively impacting my credit score. I just called them again today in return to another one of their calls and they are still unable to say what the $ XXXX due relates to. I have a copy of the payoff statement they provided and proof those funds were provided to XXXX. At this point i dont know what else to do.
Product: Checking or savings account

As of XX/XX/23 BMO XXXX  is advertising a 5.20 % APY 6mo CD and 5.50 % APY 12mo CD. I already have a 6mo and 12mo CD with them as well as a HYSA. I applied to open another of each and was declined. In the email it said information may be entered incorrectly and to try again. I reapplied to the same CDs and was declined again. I contacted BMO XXXX over the phone. Their representative told me to generate a consume report with XXXX to verify my personal information matched. I did this and everything I submitted previously matched the report. I resubmitted my application and was denied again. I called them back and the representative said they did not know why the application was denied and there was no path forward. Frustrated with this I called again and was given the same answer that they do not know why it was being rejected and could not escalate of fix the issue. Again I already have 3 accounts with them and ~ {$50000.00} in assets with them. I can not understand why they would reject my application and apparently they can not justify the rejection either. It seems fraudulent to advertise a rate that isn't actually being issued.
Product: Debt collection

I have sent a Cease and Desist letter to the following creditor EASTERN ACCOUNT SYSTEM after several credit disputes and to end all communication. According to FDCPA Title 15 USC XXXX XXXX, Subchapter V : 1692c meaning all communication conveying of information regarding a debt directly or indirectly to any person through any medium includes Credit Report. I have Never established or authorized a consumer relationship with the creditor. This is NOT my account. I have also reached out to the creditor and spoke with the representative by the name of XXXX, as well as several other representatives regarding not establishing a relationship with Eastern Account System.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made the company aware of fraudulent transactions on the card upon my release from jail. 15 U.S.C 1681C-1 I didn't even death prevention fraud alerts and active duty alert. 
I'm also asking for debt validation. Send me a detailed list of the history of payments made by me on this account. I want to see the signature I put on this contract guarantee that I will pay this creditor. I'm asking to see has there been any insurance claimed or filed on behalf of this debt. I won't prove you have the chain of title to collect this debt. 15 USC 1692G Experian 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 I'm asking to see death validation Send me a detailed list of the history of payments made by me on this account I want to see the signature that I signed guaranteeing me to pay this creditor. 
I'm asking to see have there been any insurance claimed or filed on his debt. 
I want proof that you have to chain of title to collect on this debt. 
15 USC 1692G XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I would like a letter of debt validation Send me a detailed list of the payment history made by me on this account. 
I want to see the signature that I put on the contract guarantee that I will pay this creditor. 
I'm asking to see has there been any insurance filed or claimed on this debt. 
I want to see proof that you have to chain of title to collect on this debt. 
15 USC 1692 G I would like all that removed under 5 USC 552a Since my personal information was exposed during the data breach.
Product: Credit reporting or other personal consumer reports

the accounts listed below are done with fraud .I never open these accounts. I have filed a police report and attempted froze my reports. 

XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX XXXX  ACCOUNT XXXX AMOUNT XXXX XXXX XXXX  ACCOUNT XXXX AMOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX  XXXX ACCOUNT XXXX AMOUNT XXXX
Product: Mortgage

I have been the legal Trustee of this loan since my brother 's death on XX/XX/year>. I have made monthly payments to DCU since that time. Originally, I was given access. Over the years access was lost, and they refuse to give me any information whatsoever after repeated requests via phone calls and emails. I even brought all documentation into the XXXX NH branch again in XXXX of last year. I have been constantly told they are working on getting this issue resolved. Numerous phone calls as well as emails have gone ignored! His ex wife 's name is still on the mortgage however not on the deed. I have provided them with the Quitclaim certificate and informed them my brother had died before removing her name from this mortgage. She had bankrupted my brother and forged his name on credit cards etc. She has changed her name years ago. I have allowed my brothers ( XXXX XXXX ) daughter to continue to live in his home. The mortgage has increased from {$1300.00} to {$1500.00}. Found this out through secondhand information. At the time of my brothers passing the equity in the home was XXXX. Please help me resolve this situation. The Digital Credit Union should be investigated. I have every right and am extremely frustrated. Much Thanks, XXXX XXXX I have saved emails, dates and names of all involved if required
Product: Student loan

I have called my student loan institute several times in regards to my loan and needing information to access my case in regards to payment and other information. I was given incorrect student loan ID number twice and not once was I sent any type of letter or email with correct information or apology and still have not been able to do so. 
I have called several numbers as I was trying to make a payment more than once and was not helped in the manner I should have been to properly access my account. 
Also I have had to file reports for identify theft and was trying to do so with my student loan institution and told them I was an identity theft victim and again got nowhere and no help. In still in the dark as to where my payments stand it my current status of my loan as I am struggling right now and not sure what my options are to get this taken care of.
Product: Credit reporting or other personal consumer reports

My personal information was compromised by the Credit Reporting Agencies illegally. 

Identity theft has been committed violating various codes.
Product: Credit card or prepaid card

XXXX credit card. XXXX XXXX. Autopay bug. 

I had autopay for my monthly balance set up for the end of the month. I had a balance of {$9700.00} due. The autopay went through as planned. The next day they took out an additional {$9700.00}. A total of over $ XXXX. 

I then had overdraft on my other bills with it being the end of the month. I called to remedy this and they did not accept or tell me why there were XXXX payments only that I had called before. I had called before to confirm the balance amount only. 

XXXX, told me that it would take 10 days to return my money. I then asked to cancel the card and she told me that I would forfeit any benefit owed me for cash back offers. I then asked to speak with her supervisor but there was no one. She was the supervisor ... 

I was very kind and know she was not at fault personally, but this puts me without money at the end of the month, no overdraft remediation, my credit being impacted on my report, and a very long time on the phone.
Product: Credit card or prepaid card

We have an XXXX XXXX account with a Chase credit card associated with the account. Chase apparently added someone to our account without our permission resulting in a volume of fraudulent charges. Chase admitted to their mistake of adding someone to our account. We have been working with the bank to resolve the issue. The bank said we were a victim of identity theft and turned the matter over to their fraud department. The fraud department was investigating and at the same time the bank reported us to the credit bureaus for being late on our payment. When I call the bank I keep getting passed from Customer Service to Fraud to Credit Reporting and no one will take responsibility at the bank to resolve this matter. The bank made the mistake, billed us for charges that resulted from their mistake of adding someone to our account and then reported us to the credit bureau, adversely effecting our credit while we in process of financing a new home. To make matters worse the bank sent us a letter expressing their concerns and is now trying to sell us an Identity Theft Tool Kit through the credit bureaus. I have spent no less than 10 hours, mostly on hold, being transferred between departments at Chase and have had zero resolution. I have no issue making a payment but I should not be paying for charges that were because of the bank 's error and the bank certainly should not have the ability to report me to the credit bureau 's after their mistake
Product: Mortgage

I had a mortgage with CitiMortgage. I had a mortgage amendment filed in 2011 for relief of payment. The Amendment was written incorrectly and I suffered from financial hardship with extra interest payments that were not correct. They were higher than promised. XXXX bought this mortgage and continued to harass me until I went to the Minnesota Attorney General. and they helped me find relief with XXXX who is now identified as XXXX operating in Minnesota.
Product: Credit reporting or other personal consumer reports

I have been trying for several weeks to get my credit report. I even uploaded my Social Security card, drivers license and proof of residence 3 times and have yet to hear back! I even contacted Experian through the membership email and they commented back once and then now they wont respond at all
Product: Checking or savings account

I usually transfer money from my XXXX account to my Chime account, only so I could use the Credit Builder account, their Checking and Savings are not really that relevant, but I still fund it. Today XX/XX/2023 I transfer {$9.00} from my XXXX to Chime. I received the funds in my Chime savings account and then transferred them to my Credit Builder account. A few hours later I noticed a sale on a website and they had some merchandise I wanted to purchase..I only had {$51.00} in my Credit Builders account which was not enough, so obviously, I needed to transfer more money from my Chime Checking account to the Credit Builders for my purchase. Went to the Transfer option only to get a glitch when I click on the 'Transfer ' button, for 3 minutes I am tapping the button and nothing is transferring, I closed the app and open it and still tapped the button and nothing is transferring. I decided to uninstall the app and reinstall the app to see if that would fix the glitch/bug. Now the problem is that I usually sign in to my account with my finger or passcode, except when you reinstall the app you must retype in your password. I totally forgot what password I used and my XXXX saved option that automatically pastes the info was not updated so it pasted the old password and I kept trying over and over thinking about what the password was. Anyway I reset the password thinking that would help, wrong, upon resetting it, I was hit with a verification check that Chime needed me to take photos and pictures of my ID card, now mind you I've already done that prior with a similar issue and they have my information on file with my state ID and pictures that is not even expired. I called in and spoke to someone who referred the case to upper management. The numbskull that works for Chime sent me an email saying to follow the info on the app to take pictures and my ID.. I'm not taking anything because they have all my info already, i sent a very vulgar reply back to them because it's nonsense they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : BANK OF AMERICA XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE JUST NOTICE THIS INACCURATE ACCOUNT REPORTING ON MY CREDIT REPORT AS OF XX/XX/2023. I HAVE NOT AUTHORIZED ANY OF THESE INQUIRIES OR ACCOUNTS DEOGRATORY OR IN COLLECTIONS. AS IAM IN THE PROCESS OF PURCHASING A HOUSE AND THIS IS STOPPING AND SLOWING THIS PROCESS. I WOULD LIKE FOR ALL INACCURATE INFORMATION TO BE REMOVED FROM FROM COMSUMER REPORTS N CREDIT BUREAS ASAP PERMANENTLY AND INDEFINITELY! THANK YOU
Product: Debt collection

On XX/XX/2020 I received a phone call from a woman named XXXX XXXX at XXXX XXXX   regarding a " watch over case '' that is being prosecuted through the county I live in. In the voicemail from XXXX XXXX, she states that my rights will be legally fortified if I do not respond. XXXX XXXX also threatens to contact my place of employer to get hold of my supervisor to find my location. XXXX XXXX also contacts a relative of mine with the same information saying that I am being legally prosecuted by the county I live in. 

I call the number back and it's an alleged debt collector called " XXXX XXXX XXXX ''. They tell me I owe a debt of {$130.00}, and the " responding officer '' is on my case but will not tell me more information. They put me on hold to " unlock '' my case so I can be told more information, while they put me on hold I hang up the phone and I call the county courthouse to see if there are any open cases against me. The county district courthouse has no pending or open cases against me, and I call Ace Cash Express from whom " XXXX XXXX XXXX '' says that is where my debt is and I have no outstanding debt with Ace Cash Express. I have not been made in contact with ACE cash express, no collection letters, or nothing being reported on my credit history.