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

On XX/XX/XXXX I made out a check for XXXX to a credit card company. I deducted from my check register. A week later I received 3 alerts from Chase bank, which I have if my account goes under XXXX. The first said I had XXXXless than what i had calculated. The next day was an alert was a charge for XXXX which I did make, but still lower than the amount in my calculations. The third alert came the next day, that it went up to XXXX in my acct, with no transactions or deposits made. I went to the branch with my concerns over these glitches plus the fact that it seems im being charged twice for the XXXX check. I was told to come back today after impending transactions could or would make the account current. Today the bank stands by their calculations that I only have XXXX in the bank. And I stand by my calculations that I am missing XXXX. I have checked and rechecked to find my error and I do not find one.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is being reported inaccurately ..... 
XXXX XXXX XXXX Balance {$120.00}
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 CFPB 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 recovering lost funds were impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate 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 lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Mortgage

NationStar the company that holds my mortgage erroneously reported late payments on my mortgage and lowered my credit score to XXXX, when is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting two addresses that belong to me.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax, which they received on XX/XX/XXXX. The letter requested them to investigate XXXX fraudulent inquires in my credit, that I did not authorize. 

XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. 

The investigation was not completed in accordance with section 604 of the FCRA. These companies did not have permissible purpose to pull my credit. I did not authorize any of these companies to pull my score and Equifax DID NOT properly conduct an investigation in accordance with the stated law in the FCRA.
Product: Debt collection

BANK OF AMERICA 
Contact
XXXX XXXX XXXX XXXX XXXX TX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

Today recieved a debt collection letterXX/XX/2019 from Kirsenbaum & Phillips,  p.c about this fraudulant bogus debt in the name of debt collector XXXX XXXX XXXX. 
In the amount what they say i own current balance {$25000.00} Multipe collectors in the past claimed i own this XXXX and multipe complete validations of this alleged debt or any kind of proof bearing my signature, copys of original contracts/account statements has bin requested by me from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ect. ect .ect by certified mail ( have the proof ) No proof of any kind ever has bin sent to me. All they have is my name and adress and a amount they claim i owe and a simple 3 th grade print out of a judgement ( was never personly served ) and that wont proof anything. 
Knowing that a complete validation was requested on those days in the past ( and again have all the proof and dates ) and no proof of any kind ever has bin provided why is Kirchenbaum & Phillip, p.c trying to collect also on their behave. 
Do your homework and look in the files its all in there .THIS DEBT HAS BIN DISPUTED FOR 15 + YEARS A collector knowing with no proof of any kind collecting for a collector/ collectors with no proof provided of any kind are in violation of the fair debt collection act./the fair credit reporting act and Defamation of Character. 
Knowing all of this i will also consult my legal counsil for suit. 
I will also file a complaint with the FTC, The Attorney Genral 's Office and the XXXX XXXX XXXX. 

A complete FRAUD.
Product: Mortgage

On XXXX XXXX, I was contacted by XXXX XXXX XXXX a loan officer at a company titled XXXX XXXX in Southern California. I was looking to gain information regarding refinancing my home via a 5-7 year adjustable rate mortgage. 

XXXX XXXX, later that day sent me correspondence for a 30 year fixed loan and an ARM loan, the ARM loan being not what I wanted, he said but did not tell me why I did not want it. I explained to him that I wanted an ARM loan due to it not needing an appraisal or pest inspection and the fact that it also offered me a lower rate. 

When we spoke again, I was told he had found a 30 year fixed-rate loan and no inspection or appraisal would be needed. I explained to him then for the first of many times, I could not afford the inspection and appraisal. At another time he told me that unfortunately, the appraisal would be required but he would assume it in the cost of the loan, not to worry. 

I decided to go ahead with the 30 year loan because the apprasal would be assumed into the loan and the old pest report could be used.

Time passed and he called me back and told me he needed a copy of my debit card to submit to the underwriter to get the loan approved ( that without the debit card print out the underwriter would not approve ) but he would not run it. He told me that he could find a way to assume the appraisal cost of {$600.00} in the loan. I agreed after again, telling him that I had no money in the account. To make a long story short, the appraisal that should n't have been required, was ordered by XXXX XXXX and the debit card was run, debiting {$600.00} from my account. I tried to handle it on my own. I canceled the pending refinance and chose another Iender and wrote the President of the Company regarding the Matter. I told them what happened and requested my money back I was contacted by the company twice, but only given the run-around. I do not understand why these companies are provider so much leeway to take advantage of consumers. Thank you. 

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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$17000.00}
Product: Credit card or prepaid card

Avant is doing it again! XXXX withdrew {$1100.00} on XXXX without my authorization or permission. XXXX was authorized to charge the minimum payment not take out statement balance. I called asked for refund and they said it would take 3 weeks and I asked to have it returned immediately back into my account and asked to speak to a manager or supervisor. I was declined.
Product: Credit card

I pay off my balance due on XXXX/XXXX/XXXX which it was a weekend but they claim if was after they cuff off and charge me interest even that it was paid on time and in full. The payment was no process with my bank until XX/XX/XXXX because the due date was over the weekend. Whether is mail or online the laws says that we have 21 until the due date for the credit card to received payment and if the payment is over the weekend there is a grace period until the next business day. The law of credit card act does not specified any time cutoff for weekend payment only for business day. if payment is received within the 21 days and fall in a weekend a grace period will be in place. Whether is mail or online this should apply. The credit card law of XX/XX/XXXX section 106 ( a ) 2 and section 163 ( a ) and ( b ) which they credit card company did not mail me the statement within 21 days to the due date as require by Law. I received the statement on XX/XX/XXXX when the bill was due on XX/XX/XXXX.
Product: Student loan

I was denied loan forgiveness due to a loan not paid off prior to XXXXXX/XX/XXXXwhen receiving new loans in XXXX,XX/XX/XXXX. I was a student still going to school in XXXX and XXXX how could I pay the loan off, I was still getting loans. This is a government policy and I understand that. XXXX XXXX customer service told me to pay off the XXXX and XX/XX/XXXXloans and they would be removed from my account - then, apply for student loan forgiveness again. So they put my loans on forbearance for me to do this. When I applied for loan forgiveness again, I was denied again. I was told what XXXX XXXX told me was not accurate. Just at that time, my loans were transferred to Navient. I have had nothing but bad customer service from Navient. I was also told I could go income based, this made my payment higher!! Then I was told I could do the loan forgiveness which is a 10 year loan payment. I would be able to get a direct loan and pick my loan term, but after ten years it would be forgiven. I called to have that done with the government and was told I could NOT pick my loan term and/or payment. I was also told by Navient specifically told me I could pick the term so my payment would be lower and it would be forgiven after 10 years. I am XXXX years old and will be retired in 10 years. The navient customer service told me it would be easier and cheaper for me to keep it as it is .... I would be able to pay it off. NO ONE HAS HELPED ME EVER WITH THIS STUDENT LOAN PROCESS!!!!! I have been given information that is not true or that did not apply to me. In XX/XX/XXXX, I paid my bill, it came out of my bank account twice. I was told by Navient I had to go to the bank and cancel that 2nd payment coming out, this cost me a fee at my bank. The next month when I tried to make a payment, the bank account information is not good, they can not - in their system, remove the stop payment. I was told I had to go to the bank and have my bank send a letter to their fraud department. However, the customer service representative kept telling me she could take my payment over the phone. I thought my bank account was n't good? When transferred to a supervisor, he still could not help me ; however, he did take my payment over the phone??? with my debit card linked to the account???? and it did go through ... ..My bank has no idea what they want and informed me they can not send a letter with my information on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filled a complaint against, Equifax and XXXX for a collection account The bureau sent me a letter stating that the information was true and would not be removed but updated as paid. The debt collection service XXXX  ( XXXX XXXX XXXX ) recognized that there was a error with what XXXX XXXX my have reported to them especially since XXXX had a high volume of complaints over XXXX with the XXXX with the same issue I had complained about, XXXX sent notice to the credit bureaus to remove item from my credit report. I spoke with XXXX XXXX at XXXX and he said he would send a letter of deletion to me .Equifax and XXXX only removed the item when XXXX XXXX XXXX XXXX XXXX XXXX contacted them and requested it to be removed. Equifax removed the item but then lowered my credit score by by 24 points. XXXX lowered my credit score also.Equifax sent me a letter and did nothing but update my address and stated information was accurate and paid .XXXX XXXX sent me a form with their procedures.Its no wonder Equifax has XXXX complaints in the last 3 years. XXXX has XXXX complaints in the last 3 years. I have included both letters from XXXX and Equifax. I also included some complaints from the XXXX for Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$530.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX  XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, I initiated a dispute to the 3 main credit reporting bureaus, Transunion, XXXX, and XXXX  for a bankruptcy reporting inaccurately. The FCRA requires that all information reporting on a consumer report to be 100 % accurate. It is now XX/XX/XXXX, and I have disputed this issue 3 times since and they have not provided the information to determine how they verified the negative reporting.
Product: Credit card

This complaint is about PayPal Credit. PayPal Credit offers promotional financing for certain purchases where interest is not assessed on the purchase if the balance is paid off within a XXXX promotional period. I was attracted by that promotion and paid for XXXX items with PayPal Credit. Both purchases were from XXXX XXXX. The promotional XXXX period expired XXXX XXXX, 2015. PayPal website states that payments may be made for same-day credit until XXXX XXXX on the due date. 

On XXXX XXXX at XXXX XXXX XXXX I tried over a dozen times to log in to pay the remaining balance before the promotional period ended, but the website froze each and every time. When I called customer service to pay the remaining balance, I found out that it closed at XXXX XXXX. 

I tried again to make the payment at XXXX XXXX through the website and finally succeeded in paying the balance due of {$1700.00}. At XXXX, I was finally able to reach customer service. They confirmed that the payment made at XXXX was received, did not know why the website was not working several hours prior, but said they would not waive the interest charges that now applied since the promotional period ended at midnight. 

PayPal 's website made a representation that same-day payments would be accepted until XXXX, but since the website was not working, effectively gave me no opportunity to make that payment since the customer service phone line was closed. I made the payment required under the promotion in full as soon as the website was operational, having to wake up in the middle of the night to do so. 

I was effectively precluded from making an ontime payment by a dysfunctional website and a closed customer service phone line. It 's deceptive to advertise a payment cut-off time, close the customer service phone line, effectively not provide the customer with the opportunity to pay, and then insist on penalizing the customer for PayPal 's own failures to provide the opportunity to pay. 

The promotional interest charges that should be waived total {$340.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote to all three credit bureaus, TransUnion, XXXX, and XXXX, to let them them know I know longer am giving them permission to report the account by the name of XXXX XXXX XXXX on my credit report. Well I just checked my credit report and it is still showing on my credit report for all XXXX bureaus. 15 U.S. Code 1681b ( a ) ( 2 ) states that - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Therefore, I am taking advantage of this law letting the bureaus know I do not give them permission to report this account on my credit report. I am including copies of the dispute letters that were sent on XX/XX/23 for proof.
Product: Credit card

I purchase a XXXX laptop at the price of XXXX total XXXX on or about XXXX XXXX. Returned back to Best Buy store in XXXX ga on XXXX XXXX. I have receipt showing returned. 

Spoke with XXXX XXXX XXXX at Best buy credit services on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Citi Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX Citibank XXXX XXXX XX/XX/XXXX Customer Service XXXX XXXX XXXX XXXX XXXX level XX/XX/XXXX XXXX Customer Service Now the creditor has the account XXXX XXXX XXXX XXXX Where I spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have had a car with XXXXXXXX XXXX XXXX  since XXXX of XXXX  and here is is XXXX of XXXX  and none of the on time payments Ive made have been reported to the credit bureaus which is why I took a car from XXXX XXXX XXXX  and they have no followed through on their end of the bargain but Ive been holding mine. If I dont pay on time by a few hours they are quick to contact you and disable your car so you cant drive. XXXX has almost cost me a job by turning off the car which is what they want so you cant pay them and they can either sue you or tow the vehicle. I have asked many times why they cant report my payments and I get told different reasons every time. I am just going to take this car and trade it to XXXX and pay the {$800.00} a month I would to XXXX  and pay for a model XXXX. This business has also been telling people on their reviews for years that the credit issue and them not reporting payments will be resolved. I am contacting a lawyer to get what I am owed for having this vehicle but someone needs to look into their shady business practices. Also they lie about the warranty
Product: Credit card

On XX/XX/XXXX of XXXX, my credit card with Wells Fargo was fraudulently charged in for over {$700.00}. 
I called Wells Fargo to dispute the charge and they said they would investigate it while crediting my account. Someone called a few days later and asked me if I had the card in my possession and I said yes. A few days later I received a letter in the mail saying I am responsible for the charge. I was on the other side of the town where this charge occured and I explained everything to them. I asked for proof of charge and they sent me a print out just stating the amount charged- no signature, no real proof. 
I disputed it again, and I filed a police report. I sent the police report and they denied my dispute. I called again and disputed it again and same outcome. I had the police go in and check the camera footage and it was clearly NOT ME. I called again and explained it to them and yet again they denied it because I had the card on me. 
I called again now with the information from the police and I sent the report over AGAIN with the WANTED POSTER for the woman who used my card. YET AGAIN, I get another letter in the mail saying I am responsible for the charge. This is ridiculous that I have to go back and forth with my own credit card company fighting to prove that I did not authorize this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted LexisNexis numerous times to have two Bankruptcies XXXX and XXXX deleted from my LexisNexis report. I have sent LexisNexis letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I sent the letter on XX/XX/XXXX LexisNexis never responded. Because they took more than 30 days to respond these Bankruptcies must be removed from my LexisNexis report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Jefferson Capital Systems many times. The account is completely incorrect. Account is listed as open when it should be closed. Incorrect dollar amount. Company refuses to send any documents of proof to me. XXXX customer service reps who refuse to be of any real help. The 3 credit agencies claim they have investigated, but everything remains the same on my credit report. Please help my get this account removed asap. Thanks.
Product: Credit card or prepaid card

I applied on Chase 's website for a Chase Freedom Unlimited credit card on XX/XX/2022 and received a confirmation of my application. The next day, on XX/XX/2022, I received a call from a Chase customer service representative who wanted to verify my current address and confirm that I had applied for a Chase card the prior day. After verifying my information with the customer service representative, I subsequently received a letter in the mail from Chase claiming that the company have received my application and that I needed to call Chase at XXXX to confirm my application information. I proceeded to call the indicated number on XX/XX/2022 at XXXX XXXX and on XX/XX/2022 at XXXXXXXX XXXX, which was during the indicated customer service hours. 

Both times, I received an automated reply after verifying my identity that my application was being processed, no further action was needed from me at the time, and that I would receive a letter in the mail with the decision of my credit card application. After a while of not receiving any contact from Chase, I called the indicated number again on XX/XX/2022 at XXXXXXXX XXXX  and reached a customer service representative this time who informed me that my application was closed since I had not called the indicated number within 30 days of applying for the credit card. When I explained to the customer service representative that I had called several times, they informed me that my application was already closed and that I would need to reapply for my desired Chase credit card. The customer service representative mentioned that they were not certain why I needed to call them originally as part of the application process because the system indicated that I did not need to provide any additional information as part of my application. 

Overall, this is a frustrating, unfair outcome as I had complied with Chase 's requests about completing my credit card application, the company claimed that I did not comply with its policies, and subsequently closed my application regardless. Also, I will now be less likely to be accepted for a credit card if I reapply soon as I have a recent inquiry in my credit bureau record, along with any further impact to my credit score.