23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I completed a student loan default in XX/XX/XXXX with National Credit services, XXXX XXXX XXXX XXXX, wa XXXX XXXX. Upon completion i contacted the collection agency on XX/XX/XXXX, and XXXX to find out what i needed to do. I was then, on XX/XX/XXXX, only then, informed that the documents recieved in question were not valid. The representative stated i would have to start my default over again for the required time frame. I was not notified in writting, via voicemail or calls that the documents were not valid u til i called in XX/XX/XXXX. 
On XX/XX/XXXX and XXXX i contacted the agency to ask them to report up to date pay, ents made and at that point the representative stated thta i am still in default and am only making viluntary payments for {$65.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has several discrepancies and inaccuracies. The Fair Credit Reporting Act states that your consumer report is supposed to be fair and equitable to you as the consumer. These inaccurate and incomplete accounts are effecting my credit worthiness and my ability to prove in my everyday essential needs. Please read the follow letter attached for accounts to be disputed.
Product: Credit reporting or other personal consumer reports

I have been dealing with this issue for about 5 years now. I have by order of a non-jury trial. Finding in my favor that this case shall be dismissed without prejudice. i have filed complaints with credit bureau. Returning with after they investigated the issue that i am still responsible for this debt. This is negatively impacting my credit scores and my ability to qualify for a better mortgage. This debt is held with XXXX XXXX XXXX. My latest correspondence with this company was on XX/XX/24. 

This information is on all of my credit reports. XXXX, Transunion and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information appearing on my credit report, specifically regarding a closed account with an inaccurately reported balance. According to 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am entitled to have accurate information reflected on my credit report. Please consider this letter a formal dispute of this inaccurate information. The account in question is listed as XXXX XXXX. This account was closed ( XX/XX/year> ), and the balance should have been updated to reflect XXXX at that time. However, my credit report reflects an incorrect outstanding balance, which is adversely affecting my credit score and overall credit standing. It also includes misleading and inaccurate information reported between the three credit bureaus. Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation to ensure the accuracy of reported information. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are obligated to provide accurate data to the credit bureaus and must correct any inaccuracies once they are notified of an error. I am requesting the following : A prompt investigation of this closed account to confirm the accurate balance of {$0.00}. Removal or correction of any inaccurate information regarding the balance on this account. Written confirmation that these changes have been made, or a statement explaining why the reported balance was not updated following the account closure. Please update my credit report to reflect accurate information, and ensure that all credit reporting agencies receive the corrected data. Thank you for your attention to this matter. Please notify me promptly once this dispute has been resolved. I may be reached at ( XXXX ) for any additional information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Experian IdentityWorks credit monitoring and fraud detection services. 
On XX/XX/XXXX, I recieved a letter from XXXX XXXX alerting me to a data security incident they experieced that may have given access to my personal information with XXXX XXXX as well as linked bank accounts. XXXX XXXX arranged with Experian IndentyWorks credit monitoring and fraud detection services for me for 24 months. I was instructed to go to www.experianworks.com/credt and register with Experain to begin this service. 
I was unable to complete the registration as Experian sis not recognize my Social Security Number ( SSN ), I called Experialn customer service and explained my problem - a representative was assigned to assist me ; It was during this " process '' I put a stop to the " interview ''. 
After providing my SSN to the Experain Rep. he proceeded to ask for more personel information to be used to help Experian identify me. I had provided my SSN, date of Birth and home address - when I was asked for the city my nearest sibling lives, and then to identify whether I recognized a vehicle registration number from a list of them the Representative recited - I asked why must I provide Experian these key pieces of personal information to register for their service? It was then the Experian Representative stopped talking - I asked if he were still on the line - no answer - after some minutes of silence I hung up. I attempted to call back but found I was once again faced with the Experian IVR system requesting my SS number, date of birth and home address. Once again I provided this information and waited on the phone for an experian customer service representative to take my call - after a very long time waiting I hung up. 
From this experience I have to ask how safe is it for me to provide a company my personal information in such detail to a .com business?

Should Experain be " hacked '' the personal information Experian has obtained about me provides someone, who gains access to this information, all the personal information they would need to steel my identity and more. This is the reason for my complaint. It is unreasonable for a non government business to have in its possession this level of personal information - and it is unreasonable that people in need of protection services to have to surrender ALL of their personal information to obtain this service. 
I have left a message with XXXX XXXX requesting someone get back too me as I do not intend to " register '' with Experian under the conditions Experian demands in order to have their " services ''.
Product: Credit card or prepaid card

I mailed a check via USPS in plenty of time approximately XX/XX/XXXX to be received by XX/XX/XXXX at Comenity XXXX XXXX XXXX XXXX XXXX TX location. I mailed the check USPS on time as usual in plenty of time. 

Comenity charged me a late fee and interest. 

During the time between XX/XX/XXXX and XX/XX/XXXX there were severe weather disruptions however Comenity claims they did not affect them ( XXXX ). Therefore they did receive the payment on time according to the USPS they would have received the bill in 3 to 4 days.

USPS says they had no delays. 

Therefore because the federal government claims my check was not delayed I believe Comenity made errors, misplaced, temporarily lost, or had problems due to the weather that would have caused this - none of which are my fault. 

I want full reimbursement for their errors, a credit of {$29.00} for the late fees plus the interest back of {$41.00} I was overcharged for. The reason I claim this is a overcharge is that my payment was received, while they claim they did not " process it '' until XXXX I am certain they received the check USPS about XX/XX/XXXX or XX/XX/XXXX based upon XXXX United States Post Office tracking of that routes typical time in transit. 

Regardless, as you may know, the United States Government accepts the USPS pay date for taxes and official matters as the date post stamp on the envelope, therefore I want Comenity change the date of receipt to on time and refund all my fees and interest. 

Additionally I would like them to pay a fine typical of this type of minor investigation, unless this is a recurring issue for Comenity, I am not knowledgeable about the CFPB internal process. 

No other resolution is acceptable to me. If the CFPB can not negotiate my settlement for the {$70.00} I would like to be referred to other agencies who I can also file complaints with such as the XXXX or state regulators.
Product: Credit reporting or other personal consumer reports

I ask companies JPMCB in store XX/XX/2024 if my existing card was active because i haven't used it in a while, Customer Service never stated the they would have to run my credit to find out. I'm also having the say issue with XXXX XXXX XXXX Because of those 2 Hard Inquiries on my credit, it stopped me from buying a home for my children and I. Also the dates on my credit report are not accurate.
Product: Consumer Loan

I purchased a loan from Lobel financial. I just found out after 3 1/2 years with them and a loan that 's close to being payed off, that I was being charged every month for the passed 39months {$25.00} for " late charges ''. Yes I might have been late XXXX 2 times but not 39 months. This is due to a insurance lap that they say happened. I have not had an insurance lap. I have sent them everything to fix the ongoing balance of {$110.00} but they " never '' receive it. I have even had my insurance agent personally talk to my financial agent and somehow someone is either not sending or not receiving anything. 

They wanted proof for XXXX 2015. Took them a total of 8mths to fix that issue I told them to credit me for all the times they charged me {$110.00} extra on my bill, XXXX agent told they they had already done that I said ok and that was that. Forward 2 mths later and now I 'm dealing with the same over charge of {$110.00} because of a laps of insurance on XX/XX/XXXX 2015 and on top of that the cause of my every mth late payment is due to the fact that they never told me I had that fee so every month when I would make my payment of {$510.00} those {$110.00} will get left behind and added to next mths as late payment. I feel like this is no rite and they told me that once I get done paying my loan I 'll have another " hidden fee '' of {$1000.00} waiting for me of late fees. Please help
Product: Checking or savings account

SkrillXXXX has locked my account for the second time. They have blocked all deposits and withdraws, and last time it took over a month to get it fixed. This time it has already been 5 days with no updates, and their support is next to useless. The problem is worse this time as they have reversed payments made to another bank, and the money that was reversed is not in my Skrill account. Skrill is trying to blame me, and saying that there is no refunds pending on my account. As of right now {$1200.00} is missing from my skrill and I have an additional {$1700.00} locked in Skrill that I can't get out.
Product: Checking or savings account

This bank has chosen to really annoy, inconvenience, and XXXXXXXX XXXX XXXX  over the past month and I am not just going to take it! 
Last month something started that caused me to be locked out of my account requiring a support center call. It happened again earlier this week. 
The other day after logging in multiple times via the website and the app my account balance was positive $ XXXX. I knew that the next day I would tentatively have a deposit of $ XXXX and a charge of {$30.00} against the account along with another charge of {$180.00} for that day or the next day. 
Upon logging in to my account that afternoon I realized that my balance was off by {$30.00} only to discover that my account was charged an errant {$30.00} overdraft fee. 
Sometime after midnight they began to process batch processes and they processed all charges against the account first then charged a {$30.00} fee before finally and lastly processing the $ XXXX deposit to the account. Normally, their system is not supposed to charge a fee within this window for this very reason. Something was changed that made the fee charge immediately as soon their system, while still processing batches, saw the balance dip into the negative. 
I contacted them and they falsely noted balances of my account from the previous day to justify the fee then responded with another XXXX and condescending message today accusing me of not tracking my expenditures which XXXX XXXX XXXX XXXX XXXX I believe that was their intention. I make entries and track all of dollar involved transactions daily, which is why I am sure about what is going on with this bank. 
They tried to blankly blame my EFTs ( electronic funds transfers ) as the reason for the overdraft, which is absolutely ridiculous and everyone has EFT transactions toward their account to pay bills, move money, and receive funds, etc. 
I absolutely do not deserve to be treated like this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had {$860.00} left on XXXX XXXX Credit card when it went to collections. I made a payment on XX/XX/18 and XX/XX/18 both for {$430.00}. I was told that if I made these payments this credit would show as paid & full and would be removed from my credit report. 
This is still showing as a negative on my credit report with a balance. 
I have attached a form below from the company stating the account has been paid in full and the promises of removal. 
Please advise.
Product: Checking or savings account

I am now in the XXXX XXXX XXXX and I do not have either a Debit Card or an ATM card with which to withdraw money from my Savings account with Wells Fargo. I have previously made many attempts to get a Debit/ATM card from Wells Fargo and have been told that I need to fly to the XXXX and personally come to the bank to get the card. This is because I only have a XXXX Phone Number and not a XXXX phone number through which the bank can send me a code. 
The matter is further exacerbated because The bank says that as they don't have any of their security questions and answers on file, they are not able to authenticate my Identity. However I have given them all the correct answers to the questions that they asked, in order to deal with my situation. Furthermore, My attempts to use the bank 's secure messaging system have failed as they state that they won't use that system to process my request for the card. 
On XXXX XX/XX/2021 I called Wells Fargo Bank and spoke to 5 different members of staff of the bank trying to get this matter sorted out. That exceedingly expensive call from my overseas Cell Phone lasted for 1hour and 43min overall and still I was not able to get the matter resolved. First I spoke to XXXX then to and then to XXXX of the Fraud department. Then XXXX of customer services. Then to XXXX about getting an RSA Device. Finally to XXXX from the XXXX XXXX XXXX. XXXX gave me a customer case reference number : XXXX. I am now totally frustrated
Product: Credit card or prepaid card

Due date for this month for my Chase Sapphire Preferred account was XX/XX/2018. I paid the balance IN FULL from a XXXX checking account online on XX/XX/XXXX XXXX XXXX EST. 
The payment completely cleared by XX/XX/XXXX. Logging into my Chase account showed that mathematically the payment had been applied and normal credit line open. 
On XX/XX/XXXX, a {$150.00} purchase at XXXX XXXX in my billing county was declined. I called the customer service number and was told on new accounts like mine that the account is put on hold. I was never told when the hold would be removed that I was never notified of until the decline. There are zero messages in my online account. I never received an e-mail notification of the hold/decline. Declined purchase messages apparently only show up in the phone menu with no real explanation. THE PAYMENT HAS CLEARED. CHASE HAS THE MONEY. 
On XX/XX/XXXX, i tried to order a {$39.00} cent PIZZA in my BILLING ZIP CODE and the charge was declined. My online account shows {$5000.00} worth of clear credit. I called the customer service number again and was talking to a rep who did not have the " authority '' to remove a hold I was never notified of or is justified. I was transferred to an alleged supervisor who said the hold was scheduled to come off the account the following day again because it's a " new '' account. This is FIVE days after CHASE HAD THE MONEY. So my online account information is a manufactured fiction? Totally unacceptable. 
The reason I opened this account was from a seminar by The XXXX XXXX who also had an affiliate link to the application. Many other organizations/bloggers recommend this card as one of the best travel credit cards in the industry. I have a friend who did the same and to date has had no issues. Do not appreciate the questionable legality of not being notified of the policies or obviously an accurate online accounting.
Product: Mortgage

My loan was bought by Mr Cooper/ Nationstar Mortgage XXXX in XX/XX/2021. My homeowners insurance was due and not paid by Mr Cooper. I called Mr Cooper and they issued a check but my ins co did not receive it and I was receiving cancelation notices. I called mr Cooper and they cut another check to the ins co and sent overnight. For a total of two debits of XXXX from my escrow account. Since then Mr cooper has not credited back one of the XXXX payments to my escrow account that they deducted resulting in my payment being increased. I've made several phone calls and spoke with both customer service and the escalation department and this has still not been resolved. I escalated to a manager and was told it would take 48 hours for a call back and never received a call back. In addition I've made an additional escrow payment of approx XXXX which has yet to be reflected in my escrow account as well. 

Need both amounts added to my escrow account and monthly payment reset back to my original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

My transunion score dropped XXXX points, I have done nothing but pay down my debt, make extra payments on my debt, I use a credit card and pay it off immediately, nothing has happened to lower my score from excellent to bad. Other than maybe credit bureaus getting kick back from banks to lower credit scores so they can charge higher interest..what is going on? How can you get away with this? XXXX?
Product: Credit card or prepaid card

My Capital One credit cards have been in a restricted status for over a year with no separate adverse action letter sent. I called on XX/XX/19 to find out what was going on and was finally told that my accounts were permanently restricted and Id never regain charges privileges. The representative said the great news was that I could apply for another line of credit. 

I was told that I was sent 4 emails regarding restriction notice but I keep all emails from financial institutions and although I received pat due notices, I have never received an email stating that my charging privileges would be permanently revoked or even at risk. 

Capital One is deceptive in continuing to charge membership fees on an account I will never have access to again and in failing to communicate what restricted means and how/if restricted status could be lifted.
Product: Checking or savings account

On XX/XX/2022, I deposited {$30000.00} into a high-yield CD with Marcus ( Goldman Sachs Bank ) . On XX/XX/2022 I deposited {$10000.00} into a savings account with Marcus as well. On XX/XX/2022 XXXX XXXX closed ' both accounts without providing me a reason and never transferred the deposited funds and interest earned back to me. The two accounts show a XXXX  balance. I have called four times to speak with the deposit team and customer care team and no one can tell me where my funds are. I opened a customer care case number ( XXXX ), but every time I call to get a status, the person indicates they can not help me and someone will call me back within two to three business days. No one ever calls me back. I have spoken with two supervisors in the last month XXXX and XXXX and neither one has been able to tell me where my originally deposited funds are at. I am extremely concerned.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am disputing this account with Safe Home as it does not belong to me. I have no record of entering into any agreement or contract with this company, and I believe it may have been reported in error. Please investigate this matter and remove it from my credit report if ownership can not be verified. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : I am disputing this account with Safe Home as it does not belong to me. I have no record of entering into any agreement or contract with this company, and I believe it may have been reported in error. Please investigate this matter and remove it from my credit report if ownership can not be verified. 
These items are either inaccurately reported or have already been resolved, and I respectfully request that they be thoroughly investigated and corrected. Despite my prior efforts to address this matter by contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. 
To support my claim, I have attached relevant documentation, including screenshots of my credit report highlighting the inaccuracies and other supporting evidence. I kindly ask for your prompt attention to this matter to ensure the information on my credit report is accurate and reflective of my true credit history.
Product: Debt collection

On XX/XX/2017 I paid XXXX directly for the amount of {$180.00}. Ive disputed this multiple time and convergent keeps saying everything is accurate.i have submitted proof it has been paid.