23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Description of Events for Consumer Financial Protection Bureau Complaint Problem : I am experiencing a significant delay in retrieving funds disputed on a Visa card transaction in XX/XX/year>. Both XXXX and Relay Bank have failed to address the issue and adequately provide the advertised consumer protections. 

Timeline of Events : XX/XX/year> : Disputed a fraudulent transaction of {$500.00} against XXXX XXXX with XXXX XXXX Dispute Services. The card was a XXXX  debit card ending in XXXX with Relay Bank, and the dispute is being handled directly with XXXX XXXX Dispute Services. I spoke with Representative XXXX, who informed me the merchant had 45 days to respond ( by XX/XX/year> ). 

XXXX XX/XX/year> : Upon following up for a status update, I was requested to provide additional information : transaction date, details of the potential order, explanation of the situation, and the merchant 's guarantee policy documents. 

XX/XX/year> : I promptly submitted all requested information via fax ( XXXX ) and certified mail ( USPS Return Receipt confirmed delivery on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/year> : I contacted XXXX again to ask about the status. Representative XXXX stated my information was submitted on XX/XX/XXXX with a 30-day merchant response window ( deadline XX/XX/XXXX ). 

XX/XX/year> : Follow-up contact revealed conflicting information. Representative XXXX acknowledged receipt of documents but denied a merchant response deadline, contradicting XXXX 's prior statement. 

XX/XX/year> : Still lacking resolution, I contacted XXXX again. Representative XXXX confirmed document possession, merchant non-response, and an indefinite resolution timeframe ( 3-5 days for their team to reach out ). Confirmation number XXXX was provided. 

Impact and Concerns : -This ongoing delay in retrieving my funds creates a significant financial hardship. 
-The inconsistency in information provided by XXXX representatives is deeply concerning. 
-The lack of a clear timeframe for resolving the dispute is unacceptable. 
XXXX XXXX and Relay Bank have failed to uphold their advertised consumer protections. 

Desired Outcome : I demand an immediate refund of the disputed transaction amount. 

I urge the Consumer Financial Protection Bureau to investigate the practices of Visa and Relay Bank regarding dispute resolution timelines and communication with consumers. 

This description effectively outlines the situation, highlights the problematic aspects of XXXX and Relay Bank 's handling of the dispute, and emphasizes the financial hardship I am facing.
Product: Credit reporting or other personal consumer reports

Recently checked my credit report and noticed some inaccurate and incomplete accounts reporting. Ive DISPUTED via certified mail. Please investigate and VALIDATE THAT ALL DATA for this account reporting accurately including EVERY NOTATION, DATE AND BALANCE WHETHER REPORTED OR NOT!! In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time, It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to XXXX  status ( XXXX XXXX, XXXX Agreed, Never Late ) according to consumer protection laws.
Product: Credit reporting

I have asked numerous times to have this Bankruptcy removed and they have not removed it. It should have been removed last year
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report and ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please find the ATTACHED documents to assist in the blocking and removing of the fraudulent inquiries which were being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name on XXXX is XXXX XXXX XXXX XXXX, Account Name on XXXX is XXXX XXXX XXXX , Account Name on Equifax is XXXX XXXX XXXX ... . Account Number on XXXX is XXXX, Account Number on XXXX is XXXX, and Account Number on Equifax is XXXX ... .. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # all of the ones above, 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

Alco Collections, is out of business according to the original deptor.. I have paid the original deptor.. The Alco collections refuses to release my balance from the collection agency.. They never answer the phone and are no longer in business.. They are only keep saying i owe the dept, to the collection agency
Product: Debt collection

keep receiving XXXX  calls XXXX  insults from creditor, please remove from my credit report
Product: Debt collection

I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. So I'm submitting through this site for help. There was another collection agency before this one to which I disputed and was deleted ... .This collection agency has not proved this account is mine. 

They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Product: Mortgage

I want to refinance my mortgage under the HARP program, but everytime I call Bank of America they tell me I am not qualified, but will not tell me why. In 2009 I applied for a HAMP modification and got the royal run around from Bank of America. I was told at an annual salary of {$75000.00} that I did not make enough money, then I was told I made too much. Finally, I got my congressman 's office in Virginia involved and while I got a modification, it was bank proprietary and turned my conventional mortgage into 40 years. Please help me. If I am not qualified, then please advise the bank to tell me why. Thank you very much.
Product: Credit card or prepaid card

I qualified for a {$5000.00} limit Barclay 's Ring credit card with a 0.0 % APR on balance transfers until XX/XX/XXXX. I called customer service and transferred money from another credit card. Barclay 's told me I could only transfer {$4900.00} and that there is a {$98.00} fee ( 2 % ) per transfer. That was never mentioned in their advertising. I said ok. All of this happened on Friday XXXX XXXX. On Monday XXXX XX/XX/XXXX, I got a call from Barclays saying they needed to verify my identity before they could make the transfer. I answered all of their questions, and then they said that since my ID had not been verified on Friday, that they cancelled the transfer and that I would have to resubmit the transfer. They would transfer me to customer service and they would take care of it. They transferred my to customer service where they proceeded to tell me that the 0.0 % APR was no longer available to me .... this is a classic bait and switch by Barclays.. I did not take their other offers and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for all three reports and only received XXXX Report. I did not receive Transunion nor XXXX Report. In addition, I have no lateness on any of my accounts but am being low balled with a credit score of XXXX from Transunion and XXXX. I can see the Transunion Score through XXXX XXXX XXXX Website only. XXXX shows a fair score when I requested the free credit report. I do not understand how these people can damage good people 's credit and then deny my free credit report. I need my credit score fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # 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: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to collect an invalidated debt, XXXX, XXXX. Violated my consumer rights and furnished a false and deceptive form pursuant to 15 USC 1692j. Additionally, XXXX XXXX threatened me in regards to said invalidated debt and said that they would put a negative remark on my consumer report if the debt was not paid, which they have done. This is direct violation of 15 USC 1692d. There have been numerous attempts by XXXX to collect something that has not been validated and that I do not owe. I am fearful that XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX, XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX, XXXX for multiple consumer rights violations. Pursuant to XXXX5 USC 1692k.
Product: Credit reporting

I request Equifax remove the California tax lien that was filed and recorded in error from my credit report. My credit report is inaccurate as a result, and this impacts my ability to apply for credit, and increases the price of credit instruments if I qualify for them. 
Equifax claims they will only remove a lien if it says withdrawal or filed in error as the title of the document. California does not provide such notices. There is no statutory mechanism to withdraw a lien in California code per the CA XXXX. California code requires the XXXX to document liens filed in error by a statement on the face of a release document, instructing the county recorder that the lien was recorded in error. As a result, no form available from the state would meet Equifax 's internal policy for removal of a California state tax lien filed in error. This is unacceptable. 
The CA XXXX XXXX XXXX has notified Equifax the lien was filed in error, and requested removal of the lien from my credit report as described on the supporting documentation and the lien filed in error section of this link : XXXX. 
Equifax did not comply. 
I attempted to get Equifax to remove the lien, and provided documentation. Equifax did not comply. As a result, I am seeking your assistance. 
Thank you.
Product: Debt collection

Received phone call from Collection Bureau of the Hudson Valley on XXXX XXXX and XXXX XXXX from XXXX. I pay my bills on time and have forever. I have nothing in collection status. My credit score is XXXX. I listened to the robocall message which stated to " Press 1 '' to speak to someone. I wanted to tell them to take my number off their call list. I've done this on both calls, but no one ever comes on the line. This company not answering the call so I can tell them to remove my number from their call list is unacceptable. 

I find this behavior harassing and abusive.
Product: Bank account or service

I filed a complaint against the bank before and the problem still has not been rectified. By the time I spend money in legal fees it will certainly not be worth it for me to try and get answers. However, I do plan to file complaints with other agencies until I am vindicated of this awful trail of unjust events. Starting with the account was a joint account and there were charged that were unauthorized. I should not have to suffer because someone else has done something wrong. Reporting me to XXXX is unfair and especially since the bank has already gotten over in fees. A collection agency kept calling me on their behalf until I just gave in and paid. However, during the process my bank account for my XXXX year old daughter has been closed because BB & T decided to report me and not my husband to XXXX. I have NEVER EVER been in XXXX and this just is n't right. I now think it is a smart investment to hire someone on my behalf to fix this since they want to just play dirty with the whole thing. BB & T is the worse bank to ever have in life and I never thought I would have such a problem with them even reporting ect. However, let the record reflect that I have tried to contact several sources inside of BB & T to help but they are just not qualified to get the job done. There is no XXXX number you have to go in and do everything and unfortunately, I do not have that type of time or means. I am a mother and recently had a XXXX that does n't allow me to even drive. Either way this is a ongoing problem even after their unreasonable request for fees have been paid. I 've been lied to and now cheated out of money.
Product: Checking or savings account

I am filing a complaint against JP Morgan Chase in reference to my online XXXX XXXX XXXX transaction # XXXX processed through Chase.com in the amount of {$520.00} on SundayXX/XX/2017. The amount was debited from my chase checking account but was n't credited to the XXXX XXXX XXXX account for which was to be sent by mobile number ( XXXX ) XXXX. The funds were never received by the orher party. After I completed all the required information needed to send the funds, the receiving party received a text message from her banking institution, XXXX XXXX XXXX, confirming that the fund were being sent to her account with the confirmation # XXXX, however the money was n't credited to any of her accounts. Both the other party and myself has reached out to both Chase and XXXX XXXX XXXX to attempt to recover the funds and have had no success and have only been given a run around. I have already filed a claim with Chase to trace the the funds ( claim # XXXX ). That claim has been denied because Chase has determined that the funds have been credited to A XXXX XXXX XXXX ACCOUNT eventhough I 've made it clear that it was n't any of the accounts of the correct receiving party. After a visit to a branch and multiple calls to the claims department pleading my case finally, Chase made a courtesy recovery attempt to recover these funds. I was advised that although Chase was able to determine the account holder that incorrectly received the funds they are not able to recover those funds from XXXX XXXX XXXX. No reason was provided to me as to why XXXX XXXX XXXX will not comply with the claim filed by Chase. I do not feel it is appropriate for me to be out of a significant sum of money due to some data entry or accounting error on the part of either Chase or XXXX XXXX XXXX. My instructions on who to pay was correct as XXXX XXXX XXXX confirmed they identified the correct payee based on the telephone number I provided when processing the transaction. I ask, as a long time customer, that Chase return my funds as soon as possible and continue to work to resolve this issue with XXXX XXXX XXXX.I 've even made it clear to Chase that I 'm willing to fight this battle on my own if they would release the info needed for me to go against the incorrectly credited party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian several letters to dispute my account due to unable to verify or validate accounts. They responded sending me a credit report that belongs to my grandmother. They stated that the error is my fault because I didnt provide my ssn or date of birth. They say because I did not supply the information in my letter they assumed it was my grandmother who has a different address, name, Ssn, dob, etc. They refuse to own their mistake or reinvestivate my dispute which did indeed include all information to verify my identity. This is why the company is in trouble for security breach. They are sending information without authority. My grandmother is very upset and looking into a lawyer.
Product: Credit reporting or other personal consumer reports

This company is in violation of 15 USC 1692, TITLE 8 USC 802 et seq, 15 USC 1601 and 15 USC 1666.
Product: Student loan

I was placed on an administrative forbearance I did not request. I am currently under the Public Loan Service Forgiveness ( PLSF ) program. I have not made any requests to change my payment plan or for a forbearance of any kind. I made my recent loan payment on XX/XX/2023. On XX/XX/2023, I received a letter dated XX/XX/2023 stating that my account was placed in an administrative forbearance beginning XX/XX/2023 through XX/XX/2023. After 2 phone calls of over XXXX hours each, I was able to get in touch with Mohela who told me the forbearance was placed because my payment plan, which was previously IDR, was changed to the SAVE plan because IDR is no longer payment plan option and the forbearance was due to processing. I previously received a letter in XXXX notifying me my payment plan is now the SAVE plan. Mohela was able to remove the forbearance but stated my XX/XX/2023 payment will not count towards my PLSF since I was place in a forbearance during that time. It is unacceptable that I was placed on a forbearance I didn't ask for and for a plan I didn't ask to be moved to but was moved to automatically by Mohela over a month prior. It is unacceptable that I was notified of that forbearance 13 days after Mohela placed me on it and after I had made a payment. It is absolutely unacceptable that now my recent payment and the month of XXXX when I am employed with a qualifying employer will not count towards my loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 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 15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.
Product: Bank account or service

Hello I am reaching out because I have lost my car, home, and I 'm losing my health due to me not being able to purchase my medication. I 've been banking with Chase since XX/XX/XXXX and have been receiving my same deposits with no change being made, but as of recently someone restricted my account due to what I believe was a error of {$1200.00} through some type of remote deposit. I spoke with Chase and told them that had to be a error and the payment would be resent via direct deposit and they said okay but my account would remain restricted. I waited on my next deposits to come in and they were on time to meet my bills, but Chase said they decided to close my account so I said cool just give me my funds. I updated my direct deposit with my employer so no other funds would come to that account but {$23000.00} of my dollars still managed to go that account and here is where the problem begin. I was told my account was restricted and that a thorough review are done over each transaction going in and coming out so I had a ACH come in my account that was looked at carefully before being accepted. Chase took the {$1200.00} dollars that I owed them and said they are not giving me my funds because they are in my publishing and stage name instead of my government name but it 's been that way since I opened my account. I did everything I was asked to do from the back office to the branch but I ca n't seem to get chase to understand the illegal part of holding my funds for no reason so I spoke with my employers and they said well if Chase had a problem with the deposit why did n't they just send it back to us to reissue it and I told them what the XXXX told me which was it 's to late to recall the money once it 's in the account and it confused me and my employer for a XXXX to say if some money is incorrectly sent to a bank account it ca n't be recalled I 'm sorry but I 'm lost and had no other choice but to reach out to you or file a lawsuit and discrimination claim against these chase executives please assist me with this matter if you can.
Product: Mortgage

My name is XXXX XXXX, and I am the Estate Administrator for my deceased mother, XXXX XXXX XXXX. When my mom passed, I found out she had a reverse mortgage with PHH Mortgage. With an Estate Attorney in place, we were told we could sell the home. The home has been on the market and under contract since XX/XX/XXXX with an original close date of XX/XX/XXXX. Since early XXXX I have called PHH to simply get a payoff. From day one I have filled out all their paperwork to get this information. After a few weeks of not getting the payoff I had the closing attorney to call for payoff. PHH refused to talk with the attorney. Since then I have gotten my Realtor involved, XXXX XXXX, of which PHH has refused to speak with her even though I have given permission for PHH to talk with her. XXXX and myself have call 30+ times, sometime several times a day only to be jerked around and given one excuse after another as to why they wont send us a payoff. PHH is a scamming company, and we believe they want to push us further out so they can foreclose on the property. We are simply asking for a payoff, they home has a buyer but we can not close without a payoff amount. PHH has been anything but helpful, again excuse after excuse. We can not get them to give a payoff and we need help, fast! Please and thank you. Ski # XXXX last 4 of ss # XXXX and address XXXX XXXX XXXX XXXX, XXXX, NC XXXX PHH contact # XXXX