23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account on my credit report needs to be removed as I am no longer on the account, as an authorized user, and it is affecting my credit score. The account needs to be removed from Experian and XXXX. I have enclosed the letter from XXXX XXXX. 

Thank you in advance for your assistance.
Product: Debt collection

My credit score took a sudden hit and I found I somehow owe XXXXXXXX XXXX. I was not aware of this and I haven't been able to get any info on where the debt came from. They just keep trying to get me to pay it. I'm tired, I can't do anything as my credit is ruined and I don't know how to fix thus, I don't have XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/2023, i wen to a XXXX store and showed my paypal barcode to the cashier, handed her {$210.00} plus the {$3.00} fee ( in order to load the cash to my paypal balance, which i have done numerous times, and was given a receipt. The money was never added to my balance because paypal denied the load. I have not been told why the load was denied. I was given many different responses and excuses by paypal. XXXX says that once the transaction goes through and the receipt is printed, it is out of their hands. I am out the {$210.00}. I have read thousands of complaints online about this happening to other people. Imagine the billion each year collected through this method.
Product: Credit reporting or other personal consumer reports

I signed up for Experian 's paid credit monitoring service because recently someone tried to use my identity to open several credit card accounts. In Experian 's description of their paid services they advertise that you will have a dedicated service representative to speak with about cases of fraud and stolen identity but this is false. All the phone numbers that Experian provides send you to an automated loop with an unhelpful chat bot. There are multiple issues with my credit report and they can't be resolved online or with the automated chat bot. So this essentially is preventing me from resolving the issues on my credit report. To make matters worse Experian has been sending me dozens of confusing emails on a daily basis in regards to the disputes I filed. One email will say the dispute is open and another will say its closed or resolved. Then I go look at my report and nothing has changed. I have no idea what is going on with my report or disputes and absolutely no way to talk to a real person about it.
Product: Debt collection

This is a fraudulent debt I have no knowledge of. This has been effecting me for to long and I know nothing about it nor did I know I could dispute it. This needs to be removed or take me to court so I can prove it is not me. Someone has either use my name and social security number or whoever says I owe them is fraudulently trying to get money from me. Court is a good place to prove it one way or the other that it is not mine.
Product: Checking or savings account

So I was using my cashapp account just like any other regular day, and all of sudden my account got hacked however I managed to recover and log back in and all of sudden, cashapp decideds to close my account for no reason and they state that my account was was found violation of terms. Which I never Violated anything. So I appealed this cashapp support and they wouldnt budge because I provided proof such as screenshots and documents however they still wouldnt budge. And I decided to closed my old cashapp account and open up a new one and the new account was closed linked to terms of Violations as well. Which I had to Appeal again and Cash App still wouldnt listen
Product: Credit reporting or other personal consumer reports

It's hard to confirm if the company is verify who this company is that is reporting on my credit report that goes by the name LVNV FUNDING LLC. In previous recordings/text messages of threats of a lawsuit and to have me served at my home and job. This company name is LVNV FUNDING LLC, RESURGENT CAPITAL SERVICES as well ( two names ). I am very confused about this company reporting fraudulent information on all three of my credit reports, XXXX, XXXX, & XXXX and dollar amounts that I owe to their company {$980.00}. I do not owe LVNV FUNDING any monies for a debt nor do I have a contract with this company. Who are they and why are they requesting a debt from me that I do not owe them. Also, the amount requested is an inaccurate of {$980.00} dollars. Please investigate this matter because this damaging my credit worthiness to received credit. Also, all my personal information has been in a data breach with XXXX, XXXX, and XXXX and has been exposed on the dark web. I have reported identity theft and to FTC concerning Fraud reporting on my all three of my credit reports.
Product: Checking or savings account

In midXXXX, I opened up an operating account and an IOLTA account with JP Morgan Chase Bank. I am an XXXX and an IOLTA account is where my client 's settlement funds are required by state law to be deposited. 

In lateXXXX XXXX, I deposited a {$25000.00} check representing a settlement obtain for one of my clients from XXXX XXXX into my XXXXOLTA account. I then wrote a check to my client to disburse his portion of the settlement check.

Without notice, Chase closed my IOLTA account, froze the check, and the settlement check I wrote to my client bounced.

I have spent countless hours on the phone with Chase attempting to unfreeze the check, reopen the account, or find some alternative solution. They offer none. They are holding onto mine and my clients money and a currently jeopardizing my law practice.
Product: Mortgage

We submitted a short sale on X/XX/17 with Citi. A negotiator had already been assigned in XX/XX/XXXX. Our negotiator finally reviewed our file after numerous follow-up calls and e-mails on my part. On this  particular short sale the 1st lien is receiving a full payoff. The 2nd lien would then receive any remaining funds. On X/XX/17 I received a message from the negotiator advising me to REDUCE THE PAYOFF ON THE 2ND LIEN TO {$6000.00}. What would she like for me to do with the now excess {$71000.00}? I e-mailed XXXX my processor and called in. I spoke with XXXX on XX/XX/XXXX via  phone. She was able to communicate with the negotiator via IMing while I was on the phone. The negotiator said she did not realize the 1st was a full payoff ( yet she admitted she is assigned to the 1st and 2nd liens ). She said she would review the file and would update me on Monday XX/XX/XXXX. Of  course there was no update on XX/XX/XXXX, nor on XX/XX/XXXX when I called. The afternoon of XX/XX/XXXX XXXX  messaged me again with the negotiators update ... to reduce the payoff to the 2nd lien to  {$6000.00}!! Again, no advice on what to do with the {$71000.00} that Citi refuses to accept. XXXX then went on vacation until XX/XX/XXXX. I spoke with a manager on XX/XX/XXXX ( XXXX XXXX ) who agreed that the bank should be willing to accept the extra $ XXXX and that he would escalate my file for the negotiator 's manager to review. I called today, XX/XX/XXXX - still no update and still unable to speak with any decision maker. They told me to now wait until XX/XX/XXXX and then call back. My options are : pay myself the extra {$71000.00}, pay the seller {$71000.00}, reduce the sales price by {$71000.00} or give Citi the {$71000.00}. Unfortunately, no one at Citi seems smart enough to accept the {$71000.00}. I find it ridiculous that I have to ask for assistance to give you more money.
Product: Consumer Loan

While searching for a loan to help my wife cover expenses for a new job I applied with LoanMe, who offered to loan the money to me. When I was contacted by telephone initially I was not ready to make a decision without giving it more thought. The company immediately began to call me multiple times a day for the next few days to convince me to take the loan. 

When I began to acquiesce to their pressure my wife was still concerned about how the interest was computed and was told simply that it would be best to pay it off early. No one mentioned while on the phone that this loan was a XXXX. 

I decided to borrow the money from them and set up automatic payments and when I decided to stop this method of payment I was once again harassed constantly by phone to continue with automatic payments. I had to fax my wishes to the company in order to make them officially accepted by LoanMe. Even then I was pressured to reestablish automatic payments with whomever I spoke on the phone from that time on. 

Over the past few months I made most of my payments on time, paying off two-thirds of the principal. The practice of calling me constantly, whether payments have been timely or not, has never abated. The company uses multiple locations and phone numbers in an effort to disguise themselves but I learned to recognize these sources and ignore the calls. 

I was infuriated to discover when I went online to check my account that I owe much more than what I have paid so far. I checked LoanMe 's website and discovered that I had made a XXXX. This term was never used by anyone from the company in my initial phone consultations or any calls that followed ; to myself or my wife. 

Now, for some reason, I am unable to access my account online with the sign in information I have used many times before. I can only assume that LoanMe has locked me out because of recent late payments. 

I wrote a letter to the company to explain to the how I felt about their predatory practices and offered to pay what I owe on the principal. They responded by letter with the details of my contract but no mention of my complaint or of my offer. They later sent a second letter offering to settle for almost double on my offer. I did not respond. 

I do not question my responsibility to pay back what I borrowed. I do question the character of the company and the method in which they pursue and catch their customers in order to make inflated profits on their financial products. I certainly feel like prey. 

I appreciate all of your efforts to help resolve the issue at hand.
Product: Checking or savings account

I am writing To file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions was authorized, I was charged fees due to lagged posting of Chargers and credits. This issue aligns with recent CFBP findings against Navy Federal similar practices where transaction settled for insufficient funds balance despite initially available funds. I believe theses practices are unfair and request an investigation into my account transactions
Product: Checking or savings account

A writ of garnishment was issued against mine, my moms, and my sisters accounts. I did not receive notification of the writ from the attorney or from KeyBank. They took all funds in all three accounts on XX/XX/24. Information was asked for and the case number and attorney 's number. The attorney was called on the morning of XX/XX/24 due to the fact the branch was closed for the day. The attorney agreed that they had the wrong person and issued a writ of release/quash of the garnishment. They faxed and mailed KeyBank the legal documentation on XX/XX/24. Nothing had changed by the morning of XX/XX/24 so the joint owner contacted the attorney they emailed the copy of the legal order which was emailed by the joint owner previously. The branch then faxed the legal documents at XXXX to their legal team and were told immediate action would be taken. At XXXX the XXXX XXXX  called the XXXX for the bank asking for verification that the received documentation and asking when it would be fixed. After being transferred around and on hold they were disconnected. When the XXXX XXXX  entered the branch around XXXX they asked the banker that had been attempting to assist since that Wednesday evening to help reach out to see if they could help get it fixed. After waiting for them to navigate the phone tree for about twentyish minutes, his XXXX said there was nothing they could do. The legal document was in their possession at the time that stated they were obligated to release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, XXXX delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

ACCOUNTS XXXX  XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX never late
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account numbers XXXX** and XXXX**with XXXX Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$810.00} } to and ( {$1100.00} ) on my credit report. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the collection agency have not responded yet. I have sent numerous letters to XXXX regarding an alleged debt ( s ) that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.
Product: Vehicle loan or lease

I went to a dealership and was approved fort the loan the same day I applied. 

I was lied to and told that a paper I signed stated that the vehicle was worth more than my loan.

I realized after one year of payments when trying to refinance that the vehicle loan was more than double what the vehicle was worth. 

I was cohersed and under duress and extreme pressure. I was lied to about the terms of the loan and low income and XXXXXXXX XXXX household so was in desperate need for a reliable vehicle. 

There were many lies and misrepresentations through out my purchase process. 

Ive done some research and noticed that my same lender has been sued in class action lawsuits in several different states. 

What Chrysler Capital XXXX and XXXX XXXX in XXXX XXXX are predatory and I am hoping illegal. 

My income is {$45000.00} annually and they made me a loan for {$38000.00} plus fees. The interest rate was extremely high. 

I want this to be researched throughly and for other peoples loans through this lender and dealership to be subpoenaed and documented. This has to be illegal.
Product: Mortgage

FIX THIS PLEASE. 

I am sorry that " XXXX from Caliber 's '' diligence resulted in ASSUMING that when XXXX XXXX XXXX XXXX tax office supervisor verified that we owe {$15.00} you recorded it as {$1500.00}. 

I have called ENDLESSLY for resolve. Stop taking escrow money that is NOT due. We owe {$28.00} per HALF in XXXX taxes. You have literally be REFUNDED TWICE for overages paid in this EXACT AMOUNT.
Product: Checking or savings account

I have a checking account through JP Morgan Chase that I have had for over 10 years. I had overdraft protection on and am still repeatedly being over drafted and charged very excessive over draft fees. I've complained and asked for this issue to be resolved and the customer service with chase refuses to refund any over draft fees. In a 2 day period I was charged six ( 6 ) separate overdraft fee 's totaling {XXXX}. Three ( 3 ) overdrafts with each being XXXX} was withdrawn from my account on XX/XX/XXXX and than another three ( 3 ) transactions each totaling XXXX each was withdrawn on XX/XX/XXXX. I was also charged on XX/XX/XXXX for 3 separate charges of XXXX} totaling {XXXX}. So in three weeks I've been charged {XXXX. This is extremely ridiculous, I should not be getting charges hundreds of dollars when I had overdraft protection or if I have no money in my account. Why are you taking advantage of your customers. I am sharing this information with all my friends, family, and co-workers and for them to not bank with chase. Excessive overdraft fees, stop taking advantage of people, which is what this institution is doing to people. Will be reposting all of this and want a refund for XXXX} that you are taking from me that I dont even have in my account. Stop already.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX credit card, and they charge a {$49.00} annual fee. But, since XXXX  XXXX recently acquired XXXX XXXX, they are discontinuing the credit card, effect XX/XX/XXXX, approx. 

I called to cancel the card, but now say I still owe the {$49.00} fee, but it will be prorated. 
I want it canceled, and I do n't think I should have to pay the fee for I wo n't be using it, nor have any services available to me. 

Thank you.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. On Experian the date last active is XX/XX/year> and on XXXX its XX/XX/year>. If the information is coming from the original creditor the dates should be the same. We can not say that these are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Product: Credit reporting or other personal consumer reports

I have attempted to dispute a debt on my report regarding a student loan that was rehabilitated, but XXXXXXXX XXXX  site does not allow me to file a dispute due to technical issues. I am also unable to contact anyone over the phone despite my best efforts. XXXX XXXX. I have a letter from the department of education stating that my debt is to be removed from my report. 

Transunion Also closed a dispute without taking action as instructed by the department of education. I need these reports updated on my account to reflect the work I have put into rehabilitating my debts XXXX also has not allowed me to submit a dispute through their portal online. I would like to dispute the same loan through them.
Product: Debt collection

I submitted a dispute with the company regarding this debt. I was unaware of any lease at XXXX XXXX XXXX XXXX. I did not consent to any of my information being used to own a lease with this company. This company is reporting a derogatory mark on my report that is inaccurate and untrue. I would like this issue resolved and this account be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX  Balance {$720.00} ; XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Product: Mortgage

Flag star bank recently received my Mortgage account from XXXX XXXX. They did an escrow analysis then raised my mortgage payment from {$3500.00} to {$3700.00} saying theres a {$170.00} mortgage shortage according to what the Maryland says it would cost to rebuild my home. I was not satisfied with their explanation. $ XXXX on my mortgage creates a serious hardship and seems excessive especially since theres plenty of monies in escrow to handle everything. I have talked to my Homeowners insurance company and the Maryland XXXX XXXX XXXX and they also feel that the increase is excessive.
Product: Money transfer, virtual currency, or money service

Complaint Detail/Inquiry Information : We have been Loyal customers of XXXX XXXX Bank ( now called XXXX Bank ) since 1980 and I have no qualms with the service that I have been receiving. We trust them so much that we put ALL my eggs in their basket. Meaning, all CD 's, checking accounts ( for which our pay comes in through separately ), Personal IRA, Money market, and a Joint savings account that is required to maintain a minimum balance, so you see, ALL of our financial hard work, and efforts flow through XXXX Bank. Recently my spouse, XXXX XXXX ( who has unlimited access went without my authorization ) withdrew a very large amount and caused the balance to fall short from the required minimum. Not only was XXXX XXXX not notified of such transaction, I erroneously went ahead and electronically sent the funds without my husband 's consent to some designated location ( see above address ), so when he got wind of it, I immediately went back the VERY NEXT DAY and had the wire ( with a lot of money ) recalled from XXXX. Sadly, enough we are now being told ( by Well Fargo ) that it is TOO LATE and that the end target ( alias XXXX XXXX, of XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX, Their a/c # XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo ) REFUSES to return our funds, which he coerced fraudulently, so we are now out of these hard-earned funds. We are so distraught that this happened, and that Wells Fargo & XXXX Bank didn't & does not want to aggressively recoup our money, for which we have no other choice then to get the New York Attorney General ( s ) involved, and we will be motioning to WITHDRAW & CLOSE out all six major accounts we have with them ( if our funds are not credited ) to go elsewhere to start a whole new relationship. 43 years of loyalty now out the window, & so much for FDIC. Don't believe the hype. We were outright swindled under false pretense, & Well Fargo & XXXX Bank does nothing to help. We are not going to stop pursuing what was manipulated from us. ~Very UN-happy with the turn out. My spouse & I are keep being told that legal or someone will be calling, yet no one ever called us back or any hope of having our {$11000.00} returned safely into our account. Also, all we are being told is : By XXXX Bank, " talk to Well Fargo '' & Wells Fargo tells us : " talk to XXXX Bank '' neither one wants nothing to do with the mishap, yet, all Wells Fargo needs to do is debit XXXX XXXX 's account & return it to it's rightful owners at XXXX Bank Hopefully the attorney general will investigate this HOAX & bring justice to the innocent!