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

On XX/XX/XXXX there is an unauthorized pending transaction of {$2000.00}. An Chase representative named XXXX assured me that this amount was an autopayment to my Chase credit card ending in XXXX. He refused to connect me with the credit card department and denied my dispute. He only offered that I wait for the unauthorized pending charges from Chase to be submitted for payment prior to refunding my account. I have since verified with Chase credit card that this amount is not being apllied to my Chase card. My bank account has already been debited {$250.00} on XX/XX/XXXX through autopay. The next date will not be until XXXX XXXX, XXXX. This is the second time in recents months that Chase Banks automated system has taken unauthorized XXXX debits from my Chase aacount. There have been unauthorized autopayments to other Chase credit cards funded from my bank account. The most recent Chase account rep tried to charge me a stop check fee to eliminate the payment erroneously generated by their computer system.
Product: Credit card

Evidently amex didn't read the complaint the first time so this complaint as all other cards have not responded to me they have contacted my attorney. 

So please cease your auto pays Additionally AGAIN Please be advised that you need to cease with telling me I'm late ... by email ..letters to my address or phone. Or any means... so also stop with your auto reminders that I'm late ... I'm obviously aware I retained an attorney ... you can reach him at XXXX XXXX XXXX Address -- XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX If you're going to reply to this your reply should be like what other cards are doing they aren't talking to me about anything anymore... obviously you guys can't understand bankruptcy laws. 

Last warning!
Product: Consumer Loan

TDAF IS REPORTING A NEGATIVE ACCOUNT ON ALL OF MY CREDIT REPORTS THAT IS OVER 10 YEARS OLD. IN THE STATE OF TEXAS THE STATUE OF LIMITATIONS IS 4 YEARS ON COLLECTING OLD DEBT. TDAF NEEDS TO REMOVE NEGATIVE ACCOUNT ENTRY ON ALL XXXX MAJOR CREDIT BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016, I had a {$24.00} charge on a XXXX credit card but for 3 months the billing dept. was sending the statement to the wrong address. When I finally received & promptly paid it & closed the account, it had already been reported to the credit bureaus as " 3 months late ''. 
As soon as I saw that on the reports I contacted all 3 bureaus & XXXX to correct the error. XXXX & XXXX  made the correction but not Experian as it still shows on that report as of today although I had disputed it several times since it happened. Last week I submitted another dispute and was told it would take about 30 days to process. 
An Experian agent explained that reports from the 3 bureaus may have different info because they have different policies even though they're dealing with the same data. Whatever their policies may be, all 3 should be consistent with their conclusions because the info on people 's credit may have negative & serious impacts on their lives. Since your agency has jurisdiction over all 3 bureaus, this issue needs to be resolved through your efforts.

Please let me know how it is being dealt with. Thank you.
Product: Mortgage

Received an annual escrow account disclosure statement on XXXX XXXX, XXXX that shows a shortage due of {$6400.00}. My homeowners insurance , county and city taxes have each gone down when compared to bills paid in XX/XX/XXXX. If a shortage existed last year why was there only an increase of {$96.00} monthly for escrow ( {$1200.00} for the year ). Either they have serious accounting issues or they are ripping me off. When I called the Customer Care Department and selected the prompt for escrow the person was unable to answer my questions. Escalated to Sheriff. During this conversation it was clear that the analysis they sent me for XXXX failed to properly disclose amounts paid in XXXX for the higher tax amounts. The timing in the escrow analysis has caused this huge discrepancy. Why was the first analysis performed XXXX/XXXX/XXXX and adjusted again ( down ) on XXXX/XXXX/XXXX then the next analysis not performed until XXXX/XXXX/XXXX resulting in two years of higher than originally scheduled tax amounts to be due. An adjustment should have been made earlier to prevent a negative escrow balance of over {$5000.00} to result in a 14 month period. This is unacceptable behavior from a mortgage company.
Product: Student loan

XXXX XXXX, 2009 I was granted a discharge for a Chapter XXXX bankruptcy. I included XXXX non-federal student loans in my Chapter XXXX bankruptcy and was granted a discharge by a federal judge. XXXX and American Education Services has continued to pursue payment from me for over six years. I paid what I could because they always threatened to report to collection agencies. I have been trying to repair my credit and therefore wanted to keep collections off my record. Many times I had to forbear the payment or decrease the amount, but I juggled to keep them from reporting to collection. I recently came across my bankruptcy discharge and would like to file a complaint for the civil contempt of court made by XXXX and American Education Services.
Product: Checking or savings account

On XX/XX/XXXX a deposit of {$2400.00} was made. On XX/XX/XXXX and XX/XX/XXXX two deposits for XXXX each were made. As of this morning my account was positive {$61.00}. This evening upon checking again, it was put into the negative {$120.00}. After contacting the bank, I was told that there was nothing that could be done. They have taken fees that were covered by several deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having trouble with my credit score reporting right and I am trying to get it solved, however none of the 3 bureaus ( transunion, XXXX and XXXX ) are willing to help and keep telling me to call the other to get my issue solved.
Product: Debt collection

previous complaint XXXX is not resolved & the nature of the complaint remains the same. I still receive calls daily. Today I received my most recent call from the number listed on the complaint at XXXX XXXX central time. the company response to my previous complaint suggested that I may have additional numbers that I need to provide ; however, XXXX is the only number for my business. I 'm very frustrated with the lack of resolution in dealing with this issue & hope that you can influence a result soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN FINANCIAL AND XXXX ACCESSED MY CREDIT WITHOUT MY PERMISSION TO SELL ME FINANCIAL INSTRUMENTS.
Product: Checking or savings account

I bank with capital one and due to the third party issue I have not received my direct deposit check from my employer. I understand it was not a large amount but it causes many issues in my life like not being able to get gas or groceries when I need my check
Product: Credit card

XXXX hard inquiries are showing on my report from BARCLAY BANK DELAWARE on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and I do not have a credit card with them.
Product: Student loan

I have XXXX  student loans serviced by MOHELA. I was pressured by them into recertifying my income in XX/XX/2024 and as a result my payment increased. Based on the federal governments announcement that the student loan income recertification deadline was extended to XX/XX/2024 I should have had my payment reverted back to my previous lower payment. Unfortunately MOHELA has failed to restore my previously lower payment despite many phone calls and promises by them. I am not getting any assistance from them and my next payment date is coming up. I really need your help.
Product: Money transfer, virtual currency, or money service

PNC will no longer allow me to long my digital savings account, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted my disputes along with the proper supporting documentation from the Federal Trade Commission to XXXX  XXXX XXXX to have the account XXXX XXXX XXXX XXXX  and 6 Public Records of bankruptcies removed from my credit profile. The account XXXX XXXX was removed from my credit profile on XX/XX/XXXX. and without my knowledge all of a sudden a false dispute was fraudently opened up in my name and reappeared on my credit file on XX/XX/XXXX. The 6 Public records of bankruptcy was removed on XX/XX/XXXX and was placed back on my credit profile on XX/XX/XXXX after receiving the requested information that was given to them.
Product: Credit reporting or other personal consumer reports

This is my last attempt to get these fraudulent items off my Experian credit report. XXXX and XXXX have already removed it due to fraud but you continue to violate federal law by reporting fraudulent information not associated with me.
Product: Credit card or prepaid card

I paid what I thought was a 6-month vacation club loan off in what I thought was the time frame allowed. Comenity charged the equivalent of a 50 % interest fee on the unpaid balance a month later. I have contacted Comenity by phone, snail mail, and on the website. Phone representatives said they were unable to do anything. I have received only impersonal digital responses not specific to my concerns by mail. There are only rare moments when I can connect with the website on my XXXX or XXXX devices. The website is generally not accessible. I submitted a complaint to CFPB which resulted in no resolution on my behalf. Thus, I paid the outrageous interest off in two payments and received emails confirming their receipt. 

I sent a request with my last payment to close my account. This month I received a bill for {$540.00}. This charge is unwarranted. The loan was paid in full including interest charges and the account is closed. Sin Comenity does not communicate with its customers in any personal way, I request assistance.
Product: Checking or savings account

Suntrust Bank soon to be Truist charged {$38.00} do a {$4.00} transaction. 4 transaction each charge was {$38.00} each. That's a rip off. How can you charge {$38.00} to clear {$4.00} {$38.00} to clear {$10.00}
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am sending this letter to inform you that I have filed a 1099 due to a recent credit report checking that showed my account being charged off since XX/XX/year>. 
After the finding of the charge off on my credit report, I have since sent a letter to the branch at XXXX XXXX XXXX XXXX and have attached a copy of such letter for your viewing. I have filed with the IRS, the CFPB, and I have also sent this information to the bureaus. 
As I have stated in the attached letter to the XXXX XXXX, I am requesting that the account be removed from my credit report within ten ( 10 ) business days from the date stated above of this notice. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Everyone knows that recent late payments can be challenging to remove from your credit file. This letter has been designed to request a goodwill removal and can be tailored to address your own unique situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Dear Customer Relations : This letter is in reference to a late payment with the account number Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
1 am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was not changed even though I asked for a report and or original file. Under law 15 USC1681g I am due that process through an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian on XX/XX/23 to update this suspicious information. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX  XXXX XXXX Balance : {$1400.00}
Product: Debt collection

I sent them 2 letters one through normal mail and one certified return receipt they did received the letter they have broken violating Federal law.
Product: Debt collection

XXXX XXXX has been routinely calling my phone number multiple times per day, often calling from a restricted number. I have stated multiple times I do not wish for them to keep calling me, as I have access to my account online. I live paycheck to paycheck, and sometimes the due date comes a couple days after I get paid. However I have always paid my credit card bills with comenity, if by a few days late. It is extremely annoying to have my phone ring constantly, especially when a legitimate business masks their calls, which I think should be against the FTC guidelines, but it's shady as it is!
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially entered the last 4 of my social security to obtain rates offered by the company because of the claim that it would not impact my credit report. This was the only way, it seemed, to get a display of possible mortgage rates. Following this event someone called me. 

I made sure the first thing was to verify that My initial act did not impact my report and this was so verified by the banker who called. During our conversation I explained I only needed to ask questions. He verified some of my information and I asked him what was the purpose or difference since who was on the phone, because I'm only asking questions. He said to provide a rate he has to pull my credit report. I told him I was not ready to shop and did not want my report pulled. He proceeded by asking what was wrong with my report and why was I so concerned. I had to ask him not to try to sell me and if I needed anything I would call since I now have a number. On XX/XX/XXXX I received an alert that there was a hard inquiry which impacted my report by -8 points. 

When I logged in I saw it pulled by XXXX. I did not know who this was but only recalled speaking with QUICKEN LOANS. When I contacted them they said they did run my credit. I asked them to correct the error with the credit bureau because I did not authorize them to run my report and specifically requested they do NOT run my credit. 

The issue was escalated and I received a call on Monday XX/XX/XXXX from XXXX XXXX, Resolution Advocate. She said they were pulling the recording to investigate and would contact me with a resolution by Wednesday XX/XX/XXXX. 

XXXX XXXX Contacted me again on XX/XX/XXXX and confirmed that I was correct, and that she counted 5 times where I specifically requested he does not run my report. However, she also explained that because they have access to my personal information they can legally run my credit report. I explained I was never a client, I had no relationship with their company, I simply wanted questions answered and under these conditions I needed them to contact the credit bureau and have this inquiry reversed but she said there is nothing further that could be done since they had the right to run my report since they had my information, even with my request to not run it.
Product: Payday loan, title loan, or personal loan

Applied for a payday loan, with a 460 % interest rate. I received {$800.00} and have paid back {$840.00}. Due to the additional monies, felt already taken advantage of, have fallen short on my home. Please help The interest rate is not in line with the State of Colorado Attorneys Office and was told that this interest rate was illegal.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX and I am a victim of ID Theft. The following accounts were fraudulently opened in my name and are still being verified : 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2 , please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), XXXX  XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX  on XXXX, under the account number ( private ), XXXX on XX/XX/XXXX, under the account number ( private ), a personal loan account opened at Affirm on XX/XX/XXXX and XX/XX/XXXX, collection accounts XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX  XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX, XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I applied to a refinance advertisement that was mailed to my address by Capital One Bank during XXXX 2015, with a coupon offer of $ XXXX credit towards closing cost. I called them and talked to XXXX XXXX XXXX, Loan officer @ XXXX. We negotiated to refinance my existing loan with XXXX XXXX XXXX at 3.15 % for fifteen years fixed. I locked in the rate and she mailed me the application package. I filled it, package with all the paper works, and gave them my credit card number for processing fee of @ XXXX to be charged after the loan has been approved and closed along with all other closing cost. I received an acknowledgement that they have received all the papers and my application is complete. We will close the loan on XXXX XXXX 2015. After couple of weeks XXXX XXXX XXXX called for some other papers to be signed and I complied with it. After my several call to XXXX XXXX, gave me the number of XXXX XXXX XXXX loan XXXX XXXX. 
After couple of weeks later when I called he said that my loan application has been cancelled due non compliance of their paper works in time. I told him that Capital One Bank has acknowledged me that they have received all paperwork and my application is complete. 
I told him, please let me know in writing that you are cancelling my application due to what ground and what further paperwork you need from me, so that I can comply with it. 
He never replied and after my repeated calls he is telling me since my original application is cancelled and he can not do anything, but he can offer me another refinance loan with a current rate which will be little higher. In the mean time they are holding my processing cost of $ XXXX and not answer my calls or emails at all. This complain is to intervene this matter with online Capital one bank to comply with the Federal fair lending acts. 
XXXX XXXX Loan No. XXXX. No. XXXX