23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I contacted XXXX  XXXX last year about two payments in the amount of {$1500.00} and {$800.00} that were made to XXXX XXXX XXXX of XXXX NY to complete a job and merchandise but never received it. XXXX XXXX refused to investigate the incident thoroughly and advised that I should contact XXXX 's XXXX, Chase in-order to get my funds returned. I did so but never received any response from Chase. After a months and month of contacting XXXX XXXX for an update they were unable to provide an update. I would like my funds in the amount of {$1500.00} taken out of my account on XX/XX/2022 and {$800.00} taken out on XX/XX/2022 returned to my account after an investigation conducted with Chase.
Product: Credit reporting or other personal consumer reports

I called NetCredit some months ago to figure out how to catch up on my payment. They offered to stop my current payments of {$130.00} biweekly and have me pay {$92.00} a month until caught up. I have been sticking to that agreement and I am actually done this Friday and can proceed to my biweekly payment. The issue is every month Netcredit has reported me as delinquent. Im not - I have been paying {$100.00} a month even to hurry up and catch up. I dont understand how Im reported as delinquent when Im paying the agreed upon amount as was agreed. I believe this is a major error as its saying I have been late XXXX  times.
Product: Student loan

I am part of the sweet vs. cardona lawsuit. I requested a school misconduct application to forgive my private loan being serviced by MOHELA. My application was denied for a very vague reason.
Product: Checking or savings account

I opened a checking account with BOK financial on and about XX/XX/2019, I used the debit card ending XXXX make some purchases of merchandise in XXXX and bring them back to resale in US. I spend roughly {$8600.00} total on the purchases but non of the item received by XX/XX/2019 which I expected, I have contacted the merchant several times and they always avoided my calls and never return my calls despite I left tons messages, I felt I got scammed, I filed fraudulent disputes against the merchant thru BOK financial, they told me that all charges were authorized so they stayed on my account, I have explained my situation further to them and asked them to reopen the case, they simply refused to do so .... This financial institution has no intension to help it customers, they even closed my account due to file disputes.
Product: Credit card

I am writing to formally lodge a complaint regarding my experience with U.S. Bank and the handling of my account. I opened an account with U.S. Bank in XX/XX/XXXX and did not make any transactions until XX/XX/XXXX. On or about XX/XX/XXXXXXXX I received an email notification stating my payment was late, but I did not receive the statement prior to this, contributing to my misunderstanding. 

Upon receiving the email, I accessed my account and contacted U.S. Bank to address the {$30.00} late fee. I made a payment of {$300.00} and also set up auto payments of {$300.00} per month. During this conversation, I requested the fee be removed, explaining the situation. However, I was told it could not be waived. I mentioned that many credit card companies offer one-time goodwill adjustments, but the representative still declined my request. 

I requested escalation to a supervisor. The representative assured me I would receive a callback, but I never heard back. On XX/XX/XXXX, I contacted U.S. Bank again via online chat and reiterated my concerns about the lack of follow-up. In response, I was told that the supervisor had indeed reached out. However, I never received any such call, and before I could clarify, the chat abruptly disconnected with a message stating I had ended the conversation, which was not the case. 

Given I never received the statement and the circumstances of this fee, I respectfully request that the {$30.00} late fee be removed. I am deeply frustrated by the lack of customer service and poor handling of my concerns. I have made every effort to resolve this issue, including making the payment and setting up automatic payments, yet I am still faced with unhelpful responses and poor service. I am astonished that a company would be so inflexible. If this is the service U.S. Bank provides, I am seriously reconsidering my association with the company. 

I respectfully request this matter be investigated and I be contacted promptly with a resolution. 

Thank you for your attention to this matter.
Product: Prepaid card

My Direct deposit is not showing up I cant get in touch with anyone through Rushcard this has been a big hassle for me all their nimbers are busy constantly
Product: Mortgage

I was making regular payments to my home mortgage for a few years. My loan was eventually transferred to fifth third bank. I setup automatic payments through my bank. Fifth Third bank did not have an online payment method for non-checking account customers. At some point without my knowledge, my total payment due changed and the previous amount I setup did not cover the full amount. The bank did not apply my partial payment and stated I was late. I called Fifth third bank to rectify. They waived the late fee and said they would work on removing the record from my credit statement. I was able to immediately make the missing balance payment and have not been late since. My credit score has been severely negatively affected by this.
Product: Mortgage

On XX/XX/XXXX I contacted Amerisave Mortgage for a mortgage refinance because interest rates were low compared to our then current mortgage. We were seeking a {$350000.00} loan on a $ XXXX owner occupied home. We have no other debts and a good credit rating. We have guaranteed retirement income and Social Security more than adequate for the loan. In my conversation with XXXX XXXX, the loan originator, we looked at the table for interest rates and points, and I chose the 2.5 % fixed rate, which required {$720.00} points. She helped me complete the application online and I paid a {$500.00} application fee, to be refunded when the loan closed. I believed that payment of the application fee locked the agreed upon terms. 
There followed many ( often duplicated ) document requests to which I responded promptly. An appraisal was ordered on XX/XX/XXXX and he came for the inspection on XX/XX/XXXX. An escrow account was opened with a local title company. Everything seemed to be on track. Then, not much happened, and when I asked was told I didnt need to do anything. 
Then on XX/XX/XXXX I got an email from XXXX XXXX saying she wanted to lock the loan because interest rates were rising. The 2.5 % loan would now cost {$11000.00} instead of {$720.00}. Loan terms had not been mentioned once since my discussion with her at the time of the application. At that time, I had checked the posted loan disclosures to be sure she had understood my choice of the terms. It showed 2.5 % fixed, so I knew she had understood me. 
Over the next three weeks, there was a lot of unpleasant back and forth and ultimately we paid {$5800.00} in points for the 2.5 % loan. The refinance will lower our monthly payment by {$400.00} which was our goal, but we paid more for it than we were led to expect. To me, this is a classic bait and switch. The car is advertised at one price, but when you get there, its another price, and you pay the higher price if you want the car. 
My concern is that this is the way this company does business. Is still doing business : your agency fined them $ XXXX in XXXX for bait and switch. I wish I had researched the company before calling them, but I didnt. The XXXX  has a similar report on Amerisave. We can absorb the loss, but for many people, these tactics will leave them without a mortgage and having missed out on favorable interest rates. 

I must also say that the specific people I dealt with had no integrity, promising a specific deal in a phone conversation then emailing something different an hour later. One supervisor told me that in XXXX when I applied that the company had a policy that all new applications had to be marked floating, so the originator could not have locked in a rate. Asked what would have been the earliest she could have locked in a rate, he responded XX/XX/XXXX. Frankly, I dont believe him, but if I had been told on XX/XX/XXXX that there could be no rate lock until XX/XX/XXXX, I would have called another company. 
I have all the email documentation if needed. I was also told that Amerisave records all conversations with customers, which could add to the picture.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report I noticed an Inquiry made by Factual Data. I did not authorize anyone employed by this company to make an inquiry and view my report. I request that a copy of my signed authorization that gave them the right to view my credit report.
Product: Mortgage

My home is worth approximately {$500000.00}. Yet when I negotiated my mortgage with the the investor, they did not follow any federal guidelines when the put a balloon payment at the end of my mortgage in the amount of over {$240000.00}. along with a XXXX XXXX  of {$430000.00}. Totaling {$670000.00}. This would bring the loan into Respa and Tila violations as it currently stands. 
I retained XXXX XXXX XXXXXXXX XXXX to negotiate and come up with a reasonable solution for a short sale, have a buyer in place with a HUD 1 provided as well as Community Loan Servicing, Contact XXXX XXXX. XXXX XXXX has tried to contact XXXX and her XXXX to negotiate a short pay with the current investor. XXXX XXXX and her XXXX XXXX XXXX. They apparently have not informed the investor of this situation. It is not in line with guidelines to not inform the investor of a short pay offer for a troubled asset.
Product: Credit reporting or other personal consumer reports

After the completion of recent dispute/report XXXX I disagree with the investigation. This account was charged off on the following date XX/XX/year>. The date of last activity on this account is showing XXXX different dates. I have attached copies with the incorrect information. There should be not update in activity on a charged off account. If the information is coming from the same furnisher the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed to be INACCURATE. And according to 15 U.S. Code 1681i section 5 this should be deleted from my account. Please delete this account from my credit report. This is inaccurate information. You have failed to properly and accurately report this account and you neglect has violated my rights. I am demanding a deletion of the following account. 
Account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA known as Equifax has been reporting unlawful information on my credit report. As of XXXX of this year ( 2022 ), they began reporting late monthly payments of {$510.00} on my XXXX XXXX XXXX account. I reached out to Equifax by mail to dispute these late payments on my account. Equifax concluded that their reporting was correct and verified, even though they did not have my written consent to to add these findings ( late payments ) to my credit report in the first place. Never did I sign an SSA-827 form that authorized either parties to assemble any documents/reports with my information. In this case I believe that Equifax was/is committing fraud according to 15 U.S. Code 1681b that states that Equifax needs my written consent to make or update any findings on my credit report.
Product: Debt collection

I received a notice of a debt with the supposed original debt owed to a " XXXX XXXX XXXX, XXXX ''. 
I do not owe nor have I ever owed money to this company and the collector " Wakefield & Associates '' keeps trying to collect, without any proof of an account being owed.
Product: Credit card or prepaid card

I received a XXXX XXXXXXXX gift card {$100.00} from my work for XXXX. I finally tried using it 2 days ago and it was declined. The cashier could see there is {$100.00} available. We tried for 10 minutes every which way but it did not work. I then tried to pay a utility online with this card and again it was declined. I went on their website, XXXX but when I try to enter the card number, it says it is not valid. I called the number on the card and was told by 3 different customer service people that I have to go through their automated system to validate the security code before they can even help me. So, there is no option for the automated system! It takes me directly to someone who barely speaks English and all they tell me is, sorry you have to call the number on the card again. I tell them it takes me to them. Again, sorry, you have to call the number again. This is their only answer. Nobody is helpful and there is no supervisor available. I asked multiple times what can be done to resolve this and nobody has an answer. I'm beyond upset at this company and their lack of customer service. How do they not have someone to help, or get me a new card. It's like running against a wall! I feel like this is a scam. I hope I will get some help through here. Thank you.
Product: Money transfer, virtual currency, or money service

around the XXXX of XXXX I was approved to do business with Paypal business which is a invoicing system that allows customers to securely make payments. However they have a policy they hold payments for 21 days on new businesses that just start processing with them however it seems like a scam. The only time a merchant hold payments is when a customer does a charge back and the issue needs to be resolved. I called customer service and no one would help me. They all stated its the process and the only way to get my deposit is if the customer hit the button on their side to confirm the service is complete. My customers range from 20-85 years old and they are not techy people. Paypal seems like a scam because if they truly hold payments for 21days then why did they post my payments of $ XXXX {$150.00} transactions immediately and then a customer paid an invoice for {$330.00} and pay pal is holding it. it seems like they holding higher payments to draw interest because they took their fee out of a payment they refuse to give me. If the policy is 21 days then why didn't they hold all the payments? they are screening payments for their own benefit. my customer even sent a XXXX XXXX  and i sent it to paypal customer service and they said they got it and they cant release the payment. they kept emailing my customer trying to get him to do something that he didn't see. I felt like they embarrassed my customer and my business by constantly reaching out to my customer about going online to push a button that i know paypal could have handle on their back end. this is highly unprofessional and once they got all my documents and approved my company it should not have been any hassles with posting my customer payment. so I believe they are scamming businesses by picking and choosing what to post once is paid. I will provide the proof my customer sent but it wasnt good enough for paypal so I believe its something they are doing by watching payments. they claim its for the buyer and seller protection but how is that when the buyer signs the docusign. This causes an issue with my customer and my company, paypal is third party and they should not be reaching out to my customer wanting to ask them questions about the payment. thats personal. you don't ask things like that once your are in contact with me and you have a docusign from the customer. THATS A FORM of harrassment. They should not be allowed to question customers about goods and services if there was no complaint. They told mre the only way they can post it immediately is if they can ask the customer some questions and they do that with the previous payments that were posted. I think the pulling a scam somehow. i will post the document my customer sent to me because he didnt understand what paypal was forcing him to do and he got frustrated. Here is a statement to me from my customer. 
XXXX XXXX Sat, XX/XX/XXXX, XXXX PM ( 1 day ago ) to me My pay pal only show that it has been paid it does not show an option to confirm it From : XXXX XXXX XXXX Sent : Saturday, XX/XX/2022 XXXX PM To : XXXX XXXX XXXX Subject : PAY PAL
Product: Credit reporting, credit repair services, or other personal consumer reports

i had filled i d theft reports with XXXX XXXX and experian they claimed that all accounts were proven to be mine with no verification of how these accounts were verified and refuse to remove all accounts listed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # xxxxxxxxxx XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account # xxxxxxxxxxxx XXXX all accounts should be deleted
Product: Money transfer, virtual currency, or money service

my paypal account was limited on XX/XX/scrub> 2024 for no reason and i can not withdraw my funds
Product: Student loan

My loan was with XXXX, they got sued by the attorney general of massachusetts I was told by a letter sent to me that my loan was back with XXXX that has been closed since XX/XX/XXXX, then I got another letter later from XXXX XXXX saying they got my loan from XXXX   allowed by XXXX and that my payment from XXXX was transferred to XXXX XXXX, XXXX   was closed XX/XX/XXXX there has not been any payment to transfer from XXXX. Now XXXX XXXX want me to pay them. Amount pretty much the same since XX/XX/XXXX when I got the loan I dont know how much I have paid over time I feel they are in cohus with the type of business XXXX was doing How do I find out how much I have paid from XXXX that my account is closed with them since XX/XX/XXXX, to XXXX who got sued during the time they had my loan with them while the were in this trtouble.
Product: Debt collection

This account does not belong to me. I have been fighting this account for one year. I got a letter from them stating this account doesn't belong to me. I have had issues and when you call and talk to them no one knows what they are doing. I have supplied all documents and until this day there is no proof of any signatures or any contracts. They had blocked this off from my bureau now once again it's on my credit I have a letter from them date XX/XX/2022. How is this possible that I'm being harassed to pay a debt I'm not responsible for?? I will file a XXXX complaint this is costing me a lot and at this point no resolution
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX
Product: Credit card or prepaid card

I called in today XXXX/17 at XXXX XXXX est and wanted the company to relook at my two credit cards because they denied me a credit line increase. the reason for denial was too many inquiries. I asked for an explanation and the first rep transferred to a supervisor when I asked then the supervisor discouraged me from applying for further credit and could not explain why this letter referred to XXXX as the reason for my denial when she says it was internal reasons that I asked too many times internally. I then asked for her manager and this person again could not fully explain what the reason means and why it was giving me XXXX as the reason. He stated again that it was internal and that the system makes the decisions not them and proceeded to discourage me from further applying for credit. The call was recorded and the manger told me I could not apply again for six months that they would not accept my application. I ended the call with the manager because he could not help me and he was discouraging me from getting the credit line increase I need to keep my utilization in line and do my XXXX shopping.
Product: Credit reporting or other personal consumer reports

According to my credit report, this account is showing charged off in the year XXXX. I am requesting the creditor to send me a copy of the Form XXXX, Cancellation of Debt form that you sent to the IRS. By law if an account is charged off you cant keep reporting it as late. This is fraud. I am requesting that this account be removed immediately. If the account is not removed, I have already sought out legal counsel and you can deal with them. 

XXXX XXXX XXXX XXXX Account number XXXX
Product: Checking or savings account

I can not adequately express how disappointed I am in  Ally Bank and my first and only encounter with their establishment. I signed up for an online savings account. Confirmed the trial transactions to make the transfers - specifically designated that the funds were to come from my Money Market account. Then I find that the transfers did not go through, that my newly acquired Ally account was permanently suspended (   XXXX / XXXX /   17 ), t hat they had tried to transfer out of the wrong account and had then charged that account a total of {$66.00} for  XXXX  transactions supposedly for insufficient funds. If they had taken the transfer from the correct account, as designated, they would have found that there was more than enough to cover the transfer. I am out {$66.00} with apparently no recourse.