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

This card has been in use for many years and credit use was terminated over two years ago due to a few late payments. After that time payments were regularly made in excess of the billed amount with approval of the PNC Bank. We have been charged {$35.00} late fees on multiple occasions in addition to added finance charges which began showing on statements as a purchase withdrawal. These withdrawals were never authorized and I consider them as fraudulent and unapproved theft. I feel that all of the {$35.00} late fees are also fraudulent due to my overpayments on the account which easily exceeded the amount due by approximately 200 % or more. I was only able to attach documentation of these charges back to XX/XX/2017, but they go much further back in time and should also be added to the charges shown on the accompanying account document.
Product: Student loan

I have a number of student loans and the worst company to deal with by far is FEDLOAN Servicing. I have tried since XX/XX/XXXX/XX/XX/XXXX to get my student loans on extended level payment. Over the course of this, we have talked to many agents concerning this. We have also gotten many different answers, one hand does n't know what the other hand is doing. We were first told that we did n't qualify, then we did. Finally after numerous attempts, we finally thought it was right. We received the documents today in email and they still do n't have it right. half are correct and the other half is not. This is by far the worst student loan company I have to deal with. This comapny sucks the life and time out of you, over and over. Ridiculous, I need to get this right and I am fed up with phone call after phone call, total waste of time and as far as I am concerned they are a SCAM. I am entitled to the repayment plan to reduce my payments over 25 years due to the fact of my low income. These people do n't seem to want to provide what entitlements we have as tax payers.
Product: Credit card

I ordered a balance transfer to be sent from my account at CitiBank XXXX Credit Card to XXXX XXXX on XXXX. The mistake was due to the money being sent to XXXX the money app and NOT to XXXX XXXX  so I contacted CitiBank to let them know on XXXX A customer rep said she would file a dispute ( I was later told it should have been an investigation ) as to where the money was sent. Citi sent me a proof of payment which was useless to XXXX XXXX  as these were CitiBank internal numbers??!! 
In XX/XX/2024 after hearing nothing I again spoke to customer service and a manager at Citi. Then many phone calls afterwards and many managers promising to fix it. I finally sent Citi a Certified letter dated XXXX ( attached ) explaining that nothing had been solved in XXXX months. 
After sending this letter in XXXX and another letter dated XX/XX/XXXX to XXXX XXXX, and after calling yet again I received a letter from Citi dated XX/XX/XXXX saying they couldn't do anything because the transaction was too old!!! I have been writing and calling for three months. It's too old because CITIBANK credit card has NOT solved the issue. 

So I need help PLEASE. 

CITI needs to find exactly where they sent the money and request it back. I NO LONGER want them to do any balance transfers for me. Let them find the {$1400.00} they sent, REMOVE IT FROM MY BALANCE and keep the money they sent to the WRONG recipient. 
Thank you so much for contacting them on my behalf. I await their response/your response. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I submitted this complaint back in XX/XX/XXXXand never heard anything from CFPB. I even called on several occasions. 

In XX/XX/XXXX a Sears representative came to my house to do a presentation to install ( 6 ) windows ( 1 ) entry door and ( 1 ) patio door. The presentation went well and all the paperwork prepared and my credit was ran through their ( Sears ) credit company. Everything went through and I was told my monthly payments would be extended out to avoid hardship and the monthly payments would be some where around {$140.00}. The first bill came in at {$3900.00} no interest charged ; which was explained at the time of purchase ( XX/XX/XXXX ). Mine you the contract to purchase the windows and doors were {$13000.00}. The first payment paid was {$80.00} on the {$3900.00} which should have been applied to the first invoice. All payments are paid at the Sears store in XXXX, MD. The second payment made was {$280.00} and the third payment was {$270.00}. It 's a mess.The XX/XX/XXXX invoice came in with a payment due of {$370.00}. Without my knowledge Sears ran my credit a second time through Citibank. I was never told the first pull was unsuccessful. I was billed for two separate purchases when only one purchase was made. I tried talking to Sears and Citibank as I was willing to pay the {$270.00} a month but they did not want to hear that or negotiate a lesser payment. Citibank wanted their {$370.00} monthly payment. I called Sears and was told since Citibank had paid the purchase amount in full Sears had nothing more to do with it. They washed their hands of the situation. I think Sears goal is to reel in their consumers through their promotions, run the consumers credit through their credit company and even if the consumer is approved through their credit company Sears still will run the consumers credit through Citibank just to collect their payment in full. Sounds like a scam in a great disguise. Very, very, very unhappy consumer.
Product: Consumer Loan

After reviewing my XXXX credit report I noticed several Unauthorized inquiries from Reliable Credit on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I have disputed these multiple times with the bureau as well as the creditor directly. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Checking or savings account

Capital One is withholding my paycheck and as a result I could miss my car payment, I dont have money for food or gas. This has to be illegal
Product: Credit card

I applied for a new credit card online with US Bank to purchase appliances for my home as I am doing new construction. I was waiting for the card to arrive. On Saturday XX/XX/year> I checked my US Bank credit account because I have another credit card with them and the banking app informed me that my newly applied credit card was activated and there was already a charge made to the account. I immediately notified US BANK that day and they issued me a new credit card, canceled the fraud card ending in XXXX, and issued me a temporary credit of {$610.00}. Refer to US Bank case # XXXX Bank sent me a letter on XX/XX/year> informing me that they believe the fraud charge on the card was valid because it was charged through the chip. US Bank reversed the credit they gave to me and closed the investigation. I asked for when the incident and time took place. They informed me that the official charge was on XX/XX/year> at XXXX XXXX. There is no possible way for me to purchase shoes and/or go shopping in person at that time as I am on duty conducting child abuse investigations during the hours of XXXX XXXX  until XXXX XXXX. I am a XXXX XXXX for XXXX XXXX. I contacted US Bank again and they advised me to file a police report. I have filed a police report with XXXX XXXX XXXX to report # XXXX. US Bank has failed me as a credit card consumer, did not protect me and support me from fraudulent charges that I didn't make. I should not be held responsible for someone's crime. US Bank has not conducted a sufficient and proper investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education/Nelnet is still reporting inaccurate and unverified late payment information to the Credit Reporting Agencies . I have tried several times reaching out directly to them without success. I demanded as a consumer that pursuant to 15 USC 1666b under the FCRA they can not report late payments to my consumer reports but they are above the law I believe. The refused to prove I was ever late and still haven't removed these late payments.
Product: Credit card or prepaid card

I have a XXXX 's credit card which is through Wells Fargo and can be used at other places. I let my husband purchase something online with my card as i was right beside him. He was logged in on his account and made purchases. When I received my bill, I asked him for a list of those charges to reconcile against the statement. When he went into his account to look at the orders, he saw all my past purchases including many that he shouldn't have. I immediately called the credit card company and they filed a report which is Case # XXXX. I asked that it be immediately fixed or shut off so he couldn't view anything. I have not heard anything back from them and would like the issue to be escalated. Luckily it was just my husband who saw the information that I am aware of but I don't know that for sure. I am the only authorized user on the card along with almost every other account I own. My finances are my own and I don't appreciate that they not only let him view everything but then haven't not fixed it.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking these transactions was unfeasible. The CFBP finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lacks accountability and transparency is unacceptable and raises serious concerns about costumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evidently I have a freeze on my credit that I didn't initiate. I've tried to contact Experian to resolve it, but couldn't get anyone on the phone. There was only endless automation. I just want the freeze lifted and eliminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ] in accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, has violated my rights. by placing misinformation in my credit report. 

2 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights by placing misinformation in my credit report. 

3 ] in accordance with the fair credit reporting act, XXXXXXXX XXXX  XXXX XXXX account number # XXXX. has violated my rights by placing misinformation in my credit report.

4 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

5 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX has violated my rights by placing misinformation on my credit report. 

6 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

7 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX  account number # XXXX has violated my rights by placing misinformation on my credit report.

8 ] in accordance with the fair credit reporting act, XXXX account number # XXXX, has violated my rights by placing misinformation on my credit report. 

i try to resolved this plights with this named creditors aboved numerous time either to come to the same conclusion or not get a reply.

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
Product: Debt collection

I entered into a settlement agreement with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. I have been making monthly payments to Mr. XXXX and XXXX , XXXX beginning in XX/XX/2017. 
It is now time for my final payment. I contacted Mr. XXXX, and they seem to be out of business. Another law firm named : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX answers the phone with a voice recording. NOBODY EVER RESPONDS, THEY PUT YOU ON HOLD THEN ADVISE NOBODY IS AVAILABLE. 
Mr. XXXX XXXX email are returned undelivered. 
Originally, I was sued on this account with XXXX , XXXX. Therefore, the final payment is crucial so that this matter can be removed from my credit report. 
I was NEVER notified that Mr. XXXX XXXX office was closing. Therefore ; 1. Who received my payments? 
2. Why wasn't I notified if Mr. XXXX XXXX office closed? 
3. XXXX XXXX XXXX , XXXX does not answer the phone, and who are they. 
Please help me to have this removed off of my credit report immediately. 
Thank you.
Product: Vehicle loan or lease

On XX/XX/XXXX XXXX XXXX quoted me a payoff amount of {$26000.00} and said it was good for 10 days. I paid them {$27000.00} which leaves them owing me a balance of {$1400.00} but have not received at this point. I have continually tried to work with them on processing a refund that is due to me but keep getting the run around.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX updated TransUnion report as open Collection account instead of deleting as they did on XXXX report on # XXXX for XX/XX/year>. I contacted them and asked for validation that I owed them this debt and have yet to receive anything. Im asking that this Collection be deleted from my report because it is inaccurate and possible fraud. 
On XX/XX/year> my info was used to run Credit Applications at the following Dealerships. I did not authorize or have any knowledge of this action. Please delete all inquiries. XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Several listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is way out of line with this reporting a missed payment from XX/XX/XXXX as late in XXXX XXXX XXXX XXXX and XXXX of XXXX almost 3 years XXXX  my dates are off a little but 3 years is a lot to long to wait to report it late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureau is in violation of law. XXXX is not a licensed debt collector in the state of Texas and therefore can not legally submit or " verify '' any information on my behalf to any third party agency, according to the Texas Treasury Website. They have submitted this information and are not legally licensed to do so, Please SEE ATTACHED VERIFICATION. This inaccurate, false account must be deleted immediately. As you can see via my report, no other bureau has accepted this illegal information. 

DELETE : XXXX XXXX
Product: Mortgage

Bayview Loan Servicing has violated several federal and state laws when providing responses to multiple complaints and Qualified Written Request filed through the Consumer Financial Protection Bureau. Bayview Loan Servicing and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic Bayview Loan Servicing llc has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive Bayview Loan Servicing ha s also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have been monitoring my credit as I getting ready to purchase a home. As of XXXX XXXX XXXX I noticed that the XXXX XXXX Child Support Enforcement hit my credit for XXXX plus points on my XXXX XXXX and other reporting agencies. I 've tried to dispute on XXXX XXXX, it did nothing. These are dating back in XXXX. I have n't been late on Child Support in 5 years, as I 'm ordered to make double payments. When I contacted the XXXX XXXX Child Support Enforcement office, they informed me that XXXX gave it to XXXX to handle. XXXX hit my credit for god only knows what reason. It needs to be removed immediately and both XXXX and XXXX should be investigated.
Product: Student loan

On XX/XX/XXXX and XX/XX/XXXX I submitted pslf forms seeking certification and forgiveness under pslf. I was denied because MOHELA didn't certify the payments as per one of my forms. I called and the process was put under review on XX/XX/XXXX. I looked recently and the review process was " cancelled '' without any other information. 

This is absurd. My loans should already be forgiven because I have certified more than 120 payments while employed for a nonprofit. This should have been completed months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed this account multiple times with Equifax. I was told it would be deleted, but the same XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially.
Product: Credit card or prepaid card

On XX/XX/19 a credit card was opened under my name with Kay Jewelers. I did not open this card and make any charges. The card was opened in kentucky and I live in Illinois. I've called Kay Jewelers ( XXXXXXXX XXXX  services-who manages the card ) they made me submit a fraud claim and fill out paper which I did and they still denied my claim. They currently are not taking any fraud calls due to Covid. This has killed my credit score
Product: Debt collection

I requested validation not verification on account number XXXX. I have received a response that clearly violates my rights according to HIPPA. ARS Resolution Collection Agency. Didn't not provide me a HIPPA release that release my medical information to them. Therefore by providing such information they are in violation of my HIPAA rights. I urge you to take this extremely seriously i will seek every legal remedy available to me. And file suit against the the credit bureaus who's also responsible for reporting bad information which is a Violations. As i have documented my case without any errors I encourage a response from you expeditiously
Product: Checking or savings account

After having a substantial relationship with Bank of America, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one is sue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency.     My credit card was closed and shows negative on my credit. I was never late and shows that it was late and paid off. I paid balance upon getting notice it was closed.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Product: Credit card

On XX/XX/year>, I used the Chase XXXX to make a payment on my card. After I entered in {$2000.00} for my payment, a Chase notification popped up asking if I wanted to make a payment toward my statement balance of {$17000.00}. I tapped yes, which inadvertently processed payment for the full balance. I called Chase almost immediately to notify them of my mistake. and was told there's absolutely nothing I can do and that the amount will be returned XXXX times. It froze my card. I made many calls to try to speak with someone other than out-of-country customer service and no one would help. I begged and pleaded for consideration, and no one would let me pass customer service. The issue now is that my payments are held for XXXX  days or more. Chase currently has {$9000.00} of my money that I can not access. I have made payments exceeding {$15000.00} since my mistake in an effort to bring this back to good standing and Chase refuses to release the hold or give me a timeline for my punishment. Prior to my error, my payment was posted the next day. I have been a chase customer in good standing for XXXX plus years. In the meantime, I can't access {$9000.00} for my business. It's not in my checking and Chase won't let me use the credit. Chase is able to earn interest on these holds while they're out of my account but not accessible. It also is negative impacting my XXXX XXXX because instead of showing {$9000.00} is available credit, it's much lower. This morning, a charge was declined for {$1000.00} and it's a payment that is necessary for my business. Because Chase refuses to give me information about how long this hold will last, I keep issuing payments to help my cause but it has been unsuccessful. Please help me and other consumers! I made a mistake, and this is going to cost me my business. Chase refuses to consider my situation, refuses to give me specific information on how to fix my current situation and is dismissing me. M