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

XXXX transactions was posted on XXXX XXXX from XXXX charging me a total of XXXX which I did not authorize. I received a call from the Chase Fraud Department trying to help me with my notification issues with my bank because I was not receiving any updates regarding any fraudulent activities and so after ending that call I noticed that I had 2 pending transactions which I called right away to get disputed with chase. I was told by the chase rep that I should get it resolved and the money should come back within 3 business days but still no money so I visited chase bank to ask about the status and then a representative assisted me by calling the claims department and putting them in speaker to discuss the next plan of action to get my money back. I was told to give it XXXX business days to get my full amount back completely which I did receive but it was taken away again on the XXXX XXXX and I got overdrawn and had to pay {$710.00} from my own personal funds. I called chase bank again and they referred me to the claim department and they mentioned that my claim got denied because my card and chip was physically used which was not the case. I called the claims department at least 3 times on XXXX XXXX and talked to XXXX seperate representatives from the claim department and they all told me different updates. I was told my claim was denied and that I couldnt do nothing about it, the next rep informed me that I would have to submit another claim and can not reopen my claim because it was denied and then finally the last rep questioned if I was told to submit any supporting documentation which I informed that I was not informed of that option. Then she provided me with the date of the transaction and timeframe of XXXX and stated that if I had proof that I was at work then that would reopen my case and be investigated. I submitted my supporting documents which was a badge access history for the day of XXXX XXXX as well as a witness statement from my XXXX  XXXX to confirm that I did not leave the installation. I am an XXXX XXXX military member that works on XXXX XXXX, MD just to reference to the commanding XXXX comment previously made. I submitted those XXXX documents on XXXX XXXX and then I called within the next XXXX business days to confirm that the documents were received and the claim department rep informed that everything was received and my claim was reopened. I decided to call the claim department today XXXX because tomorrow the XXXX of XXXX would be the XXXX business day of any final updates from the department which I havent received until I called. I was told on the phone by another claims rep that was claim was denied because they stated that my card was present and used but I expressed that I was at work and did not leave base. I asked for the investigative team contact information but was denied that and was told that thats the reason they are sticking to their decision. I have contacted chase bank and the claim department on numerous occasions to get this situation rectified but that was not the case.
Product: Credit card

I want to complain about the Paypal credit. This company will lure you to get their credit card services by offering you some discount when making the first purchase. After you made the purchase, they will not send you a bill ; paper or electronic ( email notice etc. ). You make a purchase and after that you forgot about it. They keep adding fine to your account and interest every month. After 3 months they transfer your late payment to their collection department. Then you receive a notice or a bill for the double the amount of what you actually purchased. It happened twice to me, which causes unnecessary stress for you. Then you have to call their number, explain everything, and argue with their customer service. They claim they may have sent the email, but it probably went to my email junk folder. So how I got their final email which they actually sent to me. They wave the fine but still end up charging 3 months interest. This seems to be the practice they use to collect extra money from their customers. Also the late payment gets reported on your credit and you get a low credit scoring. This is unfair and unethical for them to use such practices. Now Paypal is a big company, so it is not expected from them. Hope they change these wrong practices of collecting extra money from their customers, and your department can help in it.
Product: Payday loan, title loan, or personal loan

I keep receiving calls at my work and I have repeatedly told them to NOT call me at my work phone. I work in an XXXX  and we can not have personal phone calls I can lose my job for that!
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to XXXX XXXX over 10 times since XX/XX/XXXX. They said they were going to remove this negative information of my credit report because it was clearly not my fault. XXXX   canceled my Auto payment and my manual payment because there was a lapse on their system when you extend a lease. I did my part on ensuring my payment was made however do to a lapse on their online system my payments were canceled. I was reported late 30 days for the month of XXXX although I clearly made payments and received confirmations for those payments. They gave me multiple reference numbers however all they do is give me the run around. They are causing me extreme hardship because of the negative impact on my credit report causing me to not be able to get a mortgage. One of their reference number I received from XXXX is XXXX. My auto payment was canceled XX/XX/XXXX and my manual payment was canceled was canceled XX/XX/XXXX.
Product: Debt collection

I keep receiving emails, calls as of Recently about a debt i have no idea of from the company midland credit management. 
The calls have been early in the morning and the emails come in frequently harassing. I have not Received anything from an original creditor and i checked the company out on XXXX and they do not have license for XXXX  to be seeking anything from me. They sent a letter to my home attempting to take me to court. Also the second complaint is with XXXX XXXX they do not have license to be doing the same as the first company seeking payment from me they are not found on the XXXX website to be allowed to collect in XXXX  i do not have anything with them.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

Account name - XXXX XXXX Account number - XXXX
Product: Debt collection

Restricted # called ex-family member and provided same information. Then called me. This was in regards to my adult son, who has not lived with me for 7 years. Left a message on my phone that a case was filed against him in our local court, have an order to locate. Has been instructed to contact my sons employer. They are in the process of locating him at his work or residence right now. Once filed, he forfeits his legal rights. Call XXXX. Case # XXXX. I called this number and told them they were not allowed to reveal that information and were in violation of sections 804 and 805 of the Fair Debt Collection Practices Act and I would be filing a complaint. Also instructed them not to call me again. When phone was answered, said company was Midland, a litigation firm, and that they were out of New York.
Product: Student loan

A lack of clear options and poor communications. Navient kept advising me to sign forbearance paperwork instead of taking the time to help me apply for an income-based repayment plan -- a better option ( less fees ) for which I did qualify. 

Tough to contact them in person for questions ; I feel like they always try to funnel all my communications to digital web site -- instead of talking to a real person who could help me.
Product: Student loan

The amount owned is incorrect, its unlawful and unconstitutional and fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian. XXXX and XXXX has XXXX inquiries on my credit report I dont recongnize. I sent letters to all three asking them to remove from my credit report.
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 USC 1681. 


XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has violated my rights. 

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 am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; I am a living man and I have the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. '' Which is what SPIRE RECOVERY SERVICES is doing by demanding I owe an alleged debt. I do not have a contractual obligation to SPIRE RECOVERY SOLUTIONS as I have never signed a contract with them nor gave them consent to have any of my private information. SPIRE RECOVERY SOLUTIONS are not compliant with the GLBA because they failed to send me the required notices.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account ( XXXX XXXX XXXX acct XXXX ) that was in fact paid in time. the consumer reporting agencies need to report all information with complete accuracy. I do not agree with your response on XX/XX/XXXX, XXXX so therefore I am now requesting to reinvestigate and provide verifiable proof with records showing that I had late payments. If verifiable proof and information can not be verified I demand these payments be updated to paid on time immediately or the account be removed. This inaccuracy has affected my report gravely. Thank you kindly.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit reports, and noticed fraudulent accounts on them, Please remove these accounts from my credit reports, they are stopping my ability for me to obtain credit
Product: Debt collection

This company is claiming that I owe them a balance of {$450.00} as of  XXXX   XXXX  and have placed a negative collection account on my credit without my knowledge. I disputed this item recently on  XXXX   XXXX   XXXX  due to fact that they are trying to collect on a debt that is unverified and they also have a revoked license! It appears this company is doing business illegally in my state and have failed to verify the alleged collection account as well as their license status.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I'm wanted to express my concern regarding Zelle 's dispute handlings. With the recent law suits highlighting issues with the financial platform, I would like would to express how un happy I am with my financial institution and Zelle not properly investigating my disputed transaction. They informed me that removing lost funds was not going to happen because of Zelle 's policy, which did not protect the consumers against offenders that exploit the system. The lack of transparency and accountability is an outrage and hazardous to consumers.
Product: Credit card or prepaid card

Applied for a credit card through credit karma after being told i would be approved or get XXXX dollars and i never got either accept a decrease on my credit score
Product: Checking or savings account

Navy Federal Credit Union has been charging me NSF fees frivolously for the past 2 years starting XX/XX/XXXX. 

I have in the past let the issue go, and just ended up paying. However I have had major hardships in my life that has caused me to run out of funds and I could not catch up to all the back to back NSF fees that they are charging me. I have stopped using my debit card and checking account when I saw that my account was at negative {$80.00} in the middle of XX/XX/XXXX. I have been in contact with NFCU and ask them to please help me and not charge me since NFCU did not lose any money and the merchant did not lose money as well. However the constant charging my already negative checking account just kept on happening. 

So to this date my account is at NEGATIVE {$450.00} all because of NSF fees. Please see the bank statements attached.
Product: Payday loan, title loan, or personal loan

This complaint is in relation to my previous complaint against the same company. My previous complaint # is  XXXX .  One Main Financial was supposed to mail me my original loan documents to prove that I signed an agreement stating that only one of the two borrower 's signatures are required to complete loan modifications. I have yet to receive those documents nearly 60 days later.
Product: Money transfer, virtual currency, or money service

Block Inc never refunded money that was fraudulent taken from my act.. cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

I '' m a victim of fraud and I have a file with the Federal Trade Commission. While preparing to check my credit for incorrect information, I have noticed there are six inquires that I have no knowledge of nor do I have or ever had any accounts opened with the companies, please will you help me in solving these issues? 

1.XXXX ... XXXX XXXXXXXX XXXXs 4.XXXX XXXX  .... 
inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 2.XXXX .... 5. XXXX XXXX ....

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 3.XXXX .... 6. XXXX XXXX ...

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Therefore, there is a person with a different name than me who has an AMERICAN PROFIT RECOVE collection account of {$280.00} from 2017 showing up on my credit report. I have filed fraud with credit bureaus and original creditor and they have acknowledged the evidence of fraud but have yet to delete the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SHEFFIELD for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Student loan

I am a XXXX XXXX in a low income, XXXX XXXX XXXX. This is my 22nd year of XXXX, and I still owe a tremendous amount on my student loan. My qualifying employment begin date was XX/XX/XXXX. In XX/XX/XXXX I went on what I was told was a repayment plan that would qualify for Public Service Loan Forgiveness. I've been working now for four years under that assumption. I contacted my provider and was told that I have NOT been using one of the correct plans, and there could be no resolution of the problem. My retirement date should be XX/XX/XXXX and I will definitely have been making the XXXX monthly payments on time as I do and have done every month. I was told that my loan balance would be forgiven in XX/XX/XXXX, and now everything is a mess because they say that I CHOSE the incorrect plan. Please help me. I am XXXX years old, and I don't think I should have to start my 10 years of repayments over again. I am convinced that I signed up for the correct repayment plan.
Product: Debt collection

I was driving and received a phone call on XX/XX/XXXX. I answered the phone, on the other line a lady said : " this is a recorded phone call that may be monitored. Is this XXXX XXXX? '' I said : " Yes, this is XXXX XXXX '' and then the person whom called, hung up. I had no chance to ask who was calling, no chance ask why they were calling, etc. I was genuinely scared as I thought I came across some sort of scam phone call and just confirmed my identity with them. Out of fear, I pulled over to quickly XXXX the phone number and try to figure out who just called. The company is called XXXX XXXX. This was absolutely an intimidating experience. XXXX, XXXX I received a letter in the mail from XXXX XXXX going over the debt I owe to a medical facility. 
I do understand that they followed the law by providing written communication within 5 days of initial contact, but this type of intimidating phone call is NOT okay and should not be allowed.
Product: Checking or savings account

On XX/XX/year>, I authorized a bill payment in the amount of {$270.00} to be sent to XXXX. Check number XXXX. XXXX informed me that the check was never cashed or received by them and that my payment of {$270.00} is past due. I contacted them at XXXX and spoke with representative who stated my payment not received by XXXX. I then contacted Citibank and obtained copy of front and back of the check which showed that payment was mailed to XXXX. I provided XXXX the proof of payment. However, the back of the check reveals that the check was endorsed at XXXX XXXX XXXX. XXXX  representative states that check not cashed by XXXX. I also tried getting help from XXXX XXXX XXXX  in XXXX, IL. No help received from them. I attempted to leave a notarized affidavit with XXXX XXXX XXXX  representative, and she refused to accept the affidavit. Bank official threatened to shred my affidavit, and call security on me XX/XX/year>. 

In addition, Citibank refuses to refund my {$270.00} so that I can resubmit the XX/XX/year> to XXXX. In the meantime, XXXX  representatives constantly calls me requesting payment that has already been made in XX/XX/year>.
Product: Credit card or prepaid card

I received an unsolicited US Bank ReliaCard in the mail at my current address. The card was issued in my maiden name ( which I haven't used for 25 years ). It appears to be related to Unemployment Benefits, which I have not filed for. I have made several attempts to contact US Bank to report the fraudulent issuance of the card, but have been unable to reach them. The only way I found to report the fraudulent card was to call which was completely unsuccessful. I was on hold for several hours with no answer.
Product: Money transfer, virtual currency, or money service

Reported unauthorized transactions which XXXX XXXX XXXXXXXX denied without conducting proper investigation, violate consumer rights and non compliance of Consent Order XXXX and non compliance with EFTA Regulation E for mishandling Unauthorized Transaction Notice and Error Resolution and CFPA abusive and deceptive practices. Failed and Refused to redress harmed consumer. Failure to protect consumer account from fraud. Refused provisionary credit to account and consumer liability. Zelle New Consumer Reimbursement Benefit for scammed consumer compliance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX request that my name be updated to reflect the correct information. 

2. Date of Birth : The date listed on my credit report, XXXX, is listed incorrectly. I request that my Date of Birth, XX/XX/year>, be updated. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license and social displaying my correct name and Date Of Birth.
Product: Credit reporting or other personal consumer reports

The account was paid in full, the debt collector also provided me with a letter showing once paid itll be removed yet its still showing under collection on one credit profile. 
XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I opened an account on XX/XX/XXXX in the amount of {$1200.00}. I have been paying {$360.00} per pay period. A total of {$1400.00} I checked my account on XX/XX/XXXX and I owe {$1500.00} I asked them what happen and they said i was renewing my loan of {$1200.00} every pay period so the {$360.00} was just the renewal fee. They charge {$30.00} per every {$100.00} They would not accept the {$1200.00} as final payment today as they want the full {$1500.00} even though my payment isnt due again until XX/XX/XXXX
Product: Mortgage

We are attempting to refinance our home. Our current mortgage is through Specialized Loan Servicing. We requested to refi our current loan with them and they said they do not originate loans in Nevada. We then contacted a local bank and are in the process of doing the refinance with them. The title company ordered the payoff from SLS on XX/XX/XXXX and as of today, XX/XX/XXXX, we still do not have the payoff. We have been calling SLS since XX/XX/XXXX trying to get the payoff and they have said that because our home is in Nevada, they have to manually create the payoff and that we are in the queue. We have spoken to reps nearly everyday from SLS, many have said that they are waiting for some kind of Addendum to be able to produce the payoff and some have even said it is already done and has been sent. We have escalated this situation multiple times with SLS and are always assured they are working on it. Our loan rate lock is about to expire and it will end up costing us money, as the rates now are higher. We feel that SLS is not in any hurry and is going to ultimately cost us money and/or cause us to lose our loan completely due to their own internal issues. We are not sure where else to turn, as they refuse to give us a corporate phone number and we aren't sure where to turn.