23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We were notified via email about paying our account before it was going to be " charged off '' on XXXX XXXX, that we had until XXXX XXXX to pay {$2300.00} to bring our account back into good standing but we paid over paid what was required on XXXX XXXX in the amount of {$2500.00}. 

We knew that our next payment was going to be on XXXX/XXXX/17 and we wanted to pay off the remaining balance so we called a week prior to mailing our check to get the remaining balance that needed to be paid off to close this account, to which we were told the pay off amount was {$12000.00} we were never told of any additional charges or interest that had incurred that only this was our final balance amount to pay off and close this account. The check was received prior to the date due which was on XXXX, the check was received on the XXXX. 

We just received a statement saying that we owe an additional XXXX and this was the accumulated interest on the XXXX that we just paid off. When I called today on XXXX XXXX to try to get clarification to find out why we were not disclosed of this information from the being and this was not disclosed at the time of our payout, I was told it was just poor timing on the day I called and that this does not count for the daily interest rate that accumulates until its paid in full. Again this was not disclosed to me when I called for our pay off. I asked to speak to a manager and see if there was a way that they 'd be willing to work with us since we have just given over 14,000 in the past 2 months. There was nothing she could do or no one she could have me speak with this was the way that it was and just apologized for my inconvenience, along with explaining to me over and over again how interest works and that I should have docent things differently in my plans to pay this off. 

This I find completely unacceptable. We have done everything they have asked and paid everything off and yet to be charged additional interest is absurd.
Product: Mortgage

I called Shellpoint ( formerly SLS ) asked to speak to a supervisor for information why the monthly payment increased when the name changed. He said no one was available and he knew why so I didnt need to talk to anyone else. He said the interest was 4.5 % and I said I remember it being lower. He said its always been that and the the reason the monthly payment went from {$520.00} to {$650.00} in XXXX when they changed names ( without wanting it changed for autodraft ) is after a certain amount of years into the mortgage, were required to pay more on the principal. I said this makes no sense since its a 50 year fixed term mortgage. He said thats how it works. 

I just found the paperwork and it says the rate is 2.74 % until XXXX so he lied. He also lied about the payment having a reason to change since its a fixed rate and no such thing as principal increasing at different years. The law is no terms can change and it says so in the XXXX letter about the XXXX name change of the company processing the payments for the mortgage.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting, leaving inaccurate or unverifiable accounts unresolved. The CFPD has recently filed a lawsuit against Equifax, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing an ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Debt collection

I received a credit report with a debt collection from bounce ai. I disputed the account several times via XXXX and reported the fraud. The original company zebit can't be reached. I have filed a complaint with the bbb but they were unable to contact them. I have never had any type of account with zebit. I have never heard of zebit.com. 

I have emailed help@zebit.com many times. The website contact page is blank.
Product: Bank account or service

I deposited a couple of checks on XXXX/XXXX/2016 for amount of XXXX $ and the bank made the amount available with in a time of 10 mins, but i waited one day to draw the amount after three business days the bank saying the checks are rejected and deducted money from my account. 
As per the rules, if the amount is more than {$200.00} the amount should not be available until the checks are cleared. 

I tried couple of times to speak with bank of america customer care, they are not responding, Simply placing my call on hold. After a couple of attempts I got one guy he said, we are sorry for that we would give you {$24.00} the fee which was taken for the rejection checks.And some are saying based on our relation we make the amount available with out clearing the checks. 

I lost {$2300.00} because of their fault, I went to deposit the checks in the bank, the bank teller make me to deposit in the atm and after three business days they said the checks got rejected. please help me on this issue. 

Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a validation request to LVNV funding, XX/XX/2022 LVNV responded with a bill printed by them. On XX/XX/2022 I sent them back a failure to validate, they sent nothing to me that showed I owed the amount they are alleged asking for. On XX/XX/XXXX, XXXX Resurgent then proceeds to send a letter stating some other company XXXX XXXX is servicing account, but still sends me no proof that this alleged debt is mine, XXXX I sent another letter stating they have violated fdcpa and FCRA laws. This is deceptive and they are violating Federal Laws, Ive included all the communication as well as a copy of my credit report.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I noticed a charge in my checking account of {$130.00} descriotion XXXX I informed my bank of this thinking it was fraud. They launched an investigation and found that it was from XXXX. ( for re-enlisting in their channel for a year ) This I did not do. 
The bank reinbursed me and I thought that was it. 
On XX/XX/XXXX I received the charge again, I called XXXX they could not find my account. 
I got in touch with XXXX they could not find an account for me. I explained this to my bank they were not interested. I do not have the XXXX account when I go to XXXX on the TV it asks me if I want to sign up. 
The bank says that it will stop the subscription on the next cycle that is XXXX The bank is USAA Thanks for your time XXXX XXXX
Product: Checking or savings account

I talked with the benefits provider of my company to change the contact address to my current address. They did this and I received a letter from Vanguard stating this. 
Then on Thursday XX/XX/2018 I received a letter stating that my new address was my old adress ( it was showing my XXXX XXXX. as my " new '' address, with my current address of XXXX XXXX XXXX. as my " old '' address.

On XX/XX/2018 I called Vanguard and attempted to have them fix the problem. They said several times that I have to talk to my benefits provider in my company. I told them that I did, and that they correctly changed my address to XXXX XXXX XXXX.

I believe Vanguard does not know or care about my problem. I am unable to access plan changes or paper mail that they send me because they still think I live at XXXX XXXX.
Product: Credit card

On XX/XX/year>XXXX  Wells Fargo Bank charged my Debit XXXX  card # XXXX for 2 purchase charges both at XXXX XXXX XXXX XXXX in XXXX, TN. One charge in the amount of {$37.00} and the second charge for {$64.00} with a total charge of {$100.00} which I disputed as an unknown charge I did not place or authorize. At that point Wells Fargo cancelled my card and issued me a provisional credit for the {$100.00}. My dispute with Wells Fargo has a Reference number of : XXXX. Today, I received a Wells Fargo Resolution stating the charges were authorized and they will be deducting the {$100.00} provisional credit. Those 2 charges were not made by or authorized by me!
Product: Checking or savings account

On XX/XX/2021, I received a call from XXXX. It was an automated system, claiming to be XXXX, asking had I recently purchased an XXXX XXXX for {$790.00}. I answered no, and was routed to a person that advised me to go to my play store and search for and then download a support app. The app was called XXXX It allowed him into my phone. I wasn't aware of this though. He had me go into the XXXX account and change my password and add otp. The then switched me to a lady. She asked me to go to my bank account app and check to see if the XXXX purchase had went through. She also gave me a number to reach her if I had any other issues, XXXX, and a confirmation number, for fixing the XXXX account issue. Once I was in my account, she started sending herself money through XXXX. I hit no, when it asked did I agree. But at that point, I no longer had control of my phone, or account. And she was able to send money from her side. I called XXXX about an hour after it happened. Then called my bank the following day. Capital One denied all 5 disputes and told me to go back to the merchant. I have the names, phone numbers and email address 's she used to steal my money. And I have filed a police report with the local authorizes in my parish/county. 
XXXX. ) XXXX XXXX - {$220.00} XXXX XXXX. ) XXXX XXXX - {$500.00} XXXX XXXX. ) XXXX XXXX - {$500.00} Ph # XXXX XXXX XXXX. ) XXXX. XXXX XXXX XXXX {$490.00} & {$500.00} Ph # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : Credit Control Services No account # listed Bal {$270.00} XXXX XXXX Acct # XXXX Bal {$2900.00}
Product: Checking or savings account

Date of Inquiry : XXXXClaim Number : XXXXCard ending in : XXXXClaim related to Account1 ending in : XXXX Fax number : XXXX Im writing to dispute the chase of {$500.00} from XX/XX/2022. I lost my wallet and all major credit card including CHASE business debit were compromised. Since they dont have 24 hr service I notified CHASE BANK the very next day XX/XX/2022 ( I notified within two business days of discovering the loss or theft ) which means the bank or credit union cant hold me responsible for more than the amount of any unauthorized transactions or {$50.00} After faxing compelling documentation proving without reasonable doubt, I was a victim of credit card fraud, where multiple unauthorized transactions were made on all 3 credit card including Chase. 

I was never at fault, I never failed to to protect the details of my card, PIN or password in a way that allowed the transaction. I never gave permission or authorize any family member to withdrawal from my chase account, in fact were we all at the movies, when the incident happened. Said proof was sent to Chase. however, Chase bank simply denied my appeal, even though, I never acted fraudulently or because I deliberately failed to protect the details of my card, PIN. 

All my credit card companies, except for CHAse, have been able to credit back my account, after concluding without a doubt that I was never at fault. 

I believe they had no careful consideration, no reasonable investigation, instead Chase blindly denied my appeal claiming the following We found that the transaction ( s ) was processed according to the information you provided or was authorized If a reasonable instigation was conducted by Chase. They would have found, the fraudulent transaction doesnt match my purchasing pattern, such as types and amounts of purchases, with the consumers previous purchases. purchases/ withdrawals were not made relative to the my address and typical shopping venues Therefore, Id like to request a proper reasonable instigation, on said dispute said transaction, Im terribly dissatisfied with Chase handling my case. 

Briefly, Id like for Chase to please correct the error on my account promptly. 
Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I had an accident, went to a lawyer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the lawyer sent me to a clinic were I had a lean. 
The lawyer drop my case in XX/XX/XXXX, and notified the clinic. 
In XX/XX/XXXX the clinic send me to collections for {$3400.00} I called the clinic XXXX XXXX XXXX to complain and they told me to deal with the collector Lawson Hamilton & Associates , INC I called Lawson Hamilton & Associates , INC and they told me they would not removed the collections and that they want me to pay {$3400.00}
Product: Credit reporting

I AM UNABLE TO GET CREDIT REPORT ON LINE WITH XXXX DRIFFERENT CREDIT REPORTS. I NEED TO SEE IT ON LINE OR TALK TO SOMEONE ABOUT ID THEIF. SOMEONE TOOK OUT A MORTGAGE IN MY NAME I DON '' T OWN A HOME AND NEVER HAVE.ALSO A XXXX BILL SHOULD NOT BE ON MY CREDIT REPORT I FILE BANKRUPTY AND ITS BEEN DISCHARGE.
Product: Payday loan, title loan, or personal loan

I took out my first installment loan with opploans in XX/XX/XXXX. I paid on time and never missed a payment. In XX/XX/XXXX, opploans offered to refinance the loan. In reality, they did not refinance anything. They closed the original loan and gave me more money and a new payment plan essentially rolling over the loan. Illinois law does not allow a lender to roll over an installment loan if doing so would keep the person in debt for longer than six months. This is exactly what they did. I did not know that was illegal for them to do that at the time. I stopped paying on this loan and I attempted to settle this debt in XX/XX/XXXX ( via phone call ) as I could not afford this high interest debt for the extra time they rolled over the loan. Please note, they did email me a settlement offer in XX/XX/XXXX ;  however, I did not notice the email until after the time had lapsed to accept or decline it. Now, the company has a third party law firm attempting to collect more than what I would have owed if I paid on time until this date. All I wanted to do was settle the debt and avoid dealing with this company ever again. Now, I will have to hire my own lawyer to fight the third party. The third party asked for {$2700.00} to settle this loan when it was {$1000.00} to settle less than two months ago. I attached the rolled over loan contract. It makes no mention of how they rolled over the prior loan into a new one. They did not give me {$2100.00} in or around XX/XX/XXXX or after. They gave me {$890.00}.
Product: Credit reporting or other personal consumer reports

On or around the beginning on XXXX after applying for a lease I was notified that the leasing company was unable to pull my credit file that it was blank. After talking to an agent with Equifax I was notified that my DOB was wrong and my address was never updated to my current address. I was then notified by the agent to send them a copy of my SS card and ID with a pc of mail with my current address. On XX/XX/XXXX sent a certified letter to Equifax at XXXX XXXX XXXX XXXX, GA requesting that my address, DOB, and employer to be updated on the file so that the information would be right in order to pull my report. On XX/XX/XXXX recieved a letter stating that the documents I sent were illegible. After talking to an agent again he told me that the copies were not clear enough to read to resend them. On XXXX XXXX sent another letter with my SS card and State ID. As of today Im still having issues the agent stated that my DOB was still reporting wrong after receiving a letter on XX/XX/XXXX saying it was updated. Still not able to access my credit file as of today.
Product: Student loan

I left XXXX XXXX in XXXX of 2017 and enlisted in the XXXX and reported on XXXX XXXX, 2017, my PEBD. 

I logged in to Nelnet today and saw a letter telling me that they received my application for a military deferment. 

I never requested that. This was the first time I had ever logged on. 

I called the Nelnet Military line and was told this letter was automatically generated based on the information they get from the DoD database. 

This letter told me exactly how to get in a military deferment and made no mention of income driven repayment plans, which I learned about from XXXX XXXX XXXX, my financial counselor. 

This letter encouraged me to put my loans in a military deferment and even said I requested it.
Product: Checking or savings account

XXXX XXXX XXXX  Acct # XXXX Tenant Security Deposit Account. Ongoing requests to return Tenant Security have been held up. Upon contacting the Bank, they claim that they have called me to respond to verify information. I have received no calls or messages ever.
Product: Credit reporting or other personal consumer reports

I contacted Trans Union to inform them that I did not recognize this company and did not authorize this company to pull my credit report. They told me to contact XXXXXXXX XXXX. I did. XXXX XXXX  said that they would contact the credit agency Trans Union. I contacted Trans Union to see if this indeed happened they informed me that it did not, and that I would have to file a complaint with FTC.
Product: Credit reporting or other personal consumer reports

I decided to voluntarily surrender the vehicle in XXXX of XXXX due to the increasing vehicle theft of any XXXX model. Unfortunately I did not have insurance or the money to fix the repairs I had no choice but to surrender the vehicle. 

I feel like since the uprise of XXXX vehicles thefts, my credit should not be affected or Damaged due to something that was beyond my control. I understand that I am financially responsible for the remaining balance on my account however since the account status is now written off as bad debt I shouldnt be penalized as far as credit wise.
Product: Debt collection

Does the Consumer Finance Protection Bureau work for consumers anymore? Or since Donald Trump, are you just a bulletin board posted in a vacant warehouse where complaints are pinned up and left there? 

A woman signed an apartment lease in my name in California ... it was FRAUD. A law firm is collecting on that fraud. I have provided 3 police reports and my id to this firm to investigate the fraud. I have demanded ( on 5 occasions ) that they provide a copy of the signed lease and the identification that the leasing company got from this crook. 

The law firm kept kicking back the identification and then the police reports asking for a police report on that specific incident of fraud ( which is not required. All I am required to file is a police report for the id theft ). When I got them ID that they would accept, they then said : " We are closing the fraud investigation because the apartment complex has identified you '' ... BUT ONCE AGAIN HAS PROVIDED NOTHING TO SHOW HOW. 

Is this how it works in Trump 's authoritarian state now? The poor innocent consumer up against the rich company and it's attorneys ... .the law firm refusing to share information and doing THEIR OWN INVESTIGATION EVEN THOUGH THEY ARE ALSO THE COLLECTION AGENCY ON THE DEBT? 

Is there NOBODY to stand for the consumer anymore?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score- according to Equifax- dropped from XXXX ( on XX/XX/XXXX ) to XXXX ( on XX/XX/XXXX ). There is n't any legitimate cause for this score drop. In fact, I have paid down my student loans by approx {$4000.00} per month for the last 4 months ( as of XX/XX/XXXX, Equifax reports I owe {$100000.00} in loans, while XXXX ( loan servicer reports {$98000.00} ). I alos recently paid off 2- tax liens. I 'm extremely frustrated because my credit score consistenly is increasing with XXXX and XXXX but Equifax has me stuck in a tar pit. Screenshot attached regarding discrepancy between XXXX ( 1st screen ) and Equifax ( 2nd screen ) reporting.
Product: Money transfer, virtual currency, or money service

I have successfully sent money with this service years ago. For whatever reason they banned me. I also can not simply make a new account. All I am trying to do is send money to myself.
Product: Credit card or prepaid card

This complain is the same against Synchrony bank with Paypal and it is regarding the previous complaint on file : XXXX After all the proper documentation presented ( documentation send to them by me and also by your involvement on file XXXX ), I received an email indicating resolution of the case ( I am sending copy of this ) ; After this last letter I also canceled the credit card and I obtained a letter with this cancelation ( with XXXX balance ) Now again I just received an inquiry about the same purchase, asking me if I want to start a dispute ( I am also including this letter ). 

You and I already sent all documentation and the case was resolved. It is like they are ignoring all previous information and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/18 a new inquiry appeared on my XXXX  report, XXXX  and not on XXXX  yet from LOWES/ XXXX XXXX, from XXXX  Florida . I already contacted XXXXXXXX XXXX and left a message and emailed them. This is the second time this has happened with that bank as they worked on another inquiry. This Lowes inquiry was made sometime today and XXXX XXXX alerted me about two hours ago. Synchrony XXXX XXXX, ext XXXX.
Product: Credit card

Chase Sapphire Preferred Credit Card advertises " {$50.00} Annual Chase XXXX XXXX Credit booked via Chase Travel ''. I booked on XX/XX/XXXX, but my {$50.00} credit was never posted. 

I contacted Chase Cardmember Service. They started an investigation and sent me a letter ( attached ) stating my credit would be posted to my card in one or two billing cycles. The letter was sent on XX/XX/XXXX. 

As of today, XXXX XXXX, XXXX, more than 3 billing cycles have passed and I still have not received the credit. I tried to call Chase Cardmember Service again, they said they would investigate but have not gotten back to me since then. 


If needed, I can attach all my statements since XX/XX/XXXX, which clearly state the {$50.00} credit was never posted.