23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been charged late fees XXXX times recently by Chase, ( XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15 ) even though I have paid the due amounts ; will upload records of payments, but have shared with them too. 
I wrote them to ask to reverse the fees, but they reverted only a XXXX XXXX, for payment made due XXXX/XXXX/15, because my checking account online record ( from XXXX ) shows the payment was indeed completed on XXXX/XXXX/15. 
Yet a XXXX late fee was applied even though I paid the regular due amount before the due date XXXX/XXXX/15 ( I attach if possible to upload all records and correspondence ). 
A new XXXX late fee was applied now on XXXX/XXXX/15, even though, again, I paid the due amount, even including their artificially increased amount of {$100.00} : {$53.00} ( delivered on XXXX/XXXX/2015 ) and then {$50.00} ( delivered on XXXX/XXXX/2015 ). 
I understand Chase desire to increase revenues by applying late fees, but in my case these were not justified : payments were submitted to reach them on or before the due dates, and they did. 

On the other hand, I have asked my checking account bank, XXXX XXXX Bank, why it takes even 5 days sometimes for an electronic payment to travel from them to another bank for which there is already an established payment route.
Product: Checking or savings account

XXXX. On XX/XX/2019, I applied for and was subsequently approved for XXXX Premier Checking account ending in XXXX in response to a mail promotional offer of {$300.00} ( there was link on the letter as well as instructions how to get the bonus. Here is the link https : //www.td.com/us/en/personal-banking/checking-accounts/ ). The terms and conditions state that Earn {$300.00} when you receive direct deposits of {$2500.00} or more within 90 days of opening your account. 

2. By the end of XXXX, I met all requirements of the Offer ( I had direct deposits of more than {$4000.00} coming into my checking account ). 

3. By XX/XX/2019 when it has been more than 90 days since opening the account, the bonus did not post. I contacted customer service for assistance and was advised by the a male specialist that an internal message had been forward to the marketing team to investigate my case. After verifying my successful direct deposit, the male specialist asked me to call again in the next few days to follow up. 

4. On XX/XX/2019, no bonus posted, no reply yet. I contacted the customer service again and spoke to a female specialist, she first verified my eligibility to get the bonus, and suggested me to wait for some additional time. After hearing that I called the other day on XX/XX/XXXX, she looked up my account and found a response from the marketing team. The marketing team says that I used a wrong link to apply and therefore I am not eligible to receive the bonus. Unhappy with the reply, I asked to be transfer to a supervisor, the supervisor didn't do much investigations and just made up some policy saying I am not eligible. ( These policies were targeted at my special case, not mentioned in the terms and conditions ).
Product: Credit reporting or other personal consumer reports

There are different inquiries on my credit that are unfamiliar. I do not recognize the following inquiries : 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
Product: Checking or savings account

Hi, I signed up and enrolled for the {$100.00} savings account bonus from Marcus on XX/XX/2023. To receive the bonus, I had to deposit {$10000.00} or more and leave the money in the account until XX/XX/2023 with a payout on XX/XX/2023. I initiated a {$10000.00} transfer on XX/XX/2023 after enrolling and did not touch it. 

After not seeing the {$100.00} deposited on XX/XX/2023 I reached out to their support and was told " Thank you for your patience. Upon checking, I see that request has been submitted for the {$100.00} Cash Bonus. Rest assure {$100.00} cash bonus will be credited to your account. I would request you to please wait. '' I have reached out 3 times not to support for an update and each time I receive a mixed message response with no apparent update on the bonus. 

Best, XXXX
Product: Debt collection

I have sent a letter to them telling them that this is a false bill. The bill is erroneous and they are not ready to correct the bill. They have refused to provide me with any information about the medical treatment that was provided or what services were related to this charge. I have full medical coverage and they are trying to mint money out of me.
Product: Mortgage

I have been notified by the City of XXXX Department of Finance that McClean Mortgage ( XXXX ) my mortgage servicer failed to pay the following expenses from my escrow account : Property taxes : {$4500.00} - due XX/XX/XXXX My account indicates that a city tax payment was removed from my escrow account on XX/XX/XXXX, however the funds were never received by the City of XXXX, and the website has no evidence of where the funds were actually disbursed to. When I attempted to contact the company on XX/XX/XXXX I was put on hold and sent through a phone tree before finally being brought to a voicemail box with no response. I've also submitted several contact forms via their website with no response. 

The city is now charging a penalty of {$450.00} and {$100.00} interest, for a total of {$5100.00} due by XX/XX/XXXX. We feel McClean Mortgage should be responsible for these fees and interest based on the non-payment of taxes despite removing the funds from our escrow account. And, we have no update on the location of the {$4500.00} that was removed from our escrow account that did not make it to the tax office.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am XXXX XXXX   the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following accounts are not accurate : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have inquires on my credit that are not authorized and I have filed a police report for the follow inquires 1. XXXX 2.XXXX 3. XXXX XXXX 4.XXXX  XXXX XXXX 5. XXXX / XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX I WILL BE SUBMITTING A COMPLIANT TO FTC as well. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX
Product: Credit reporting or other personal consumer reports

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS. 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 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Mortgage loan with XXXX XXXX  was paid off in full in the amount of {$180000.00}. This amount was confirmed and received on XX/XX/2023. Lender has not accurately reported this information in a timely manner to the credit bureaus.
Product: Money transfer, virtual currency, or money service

my Paypal account email address is XXXX PayPal limited my access to my account and refused to allow me to withdraw my balance, and after contacting their poor customer service several times for over a year, they asked me to provide a copy of my id card and the current credit card statement of my credit card. As soon as I provided them with the information they requested, they sent me an email informing me that I can no longer use Paypal, After a review, we decided to permanently limit your account as we found potential risk associated with it.

I am not sure if they are making a mistake or what their reasoning for limiting my account and holding my money hostage for over 180 days. I have not done any illegitimate transaction and did not do anything other than selling used items on ebay and shipping them using paypal.

Paypal is hurting thousands of consumers using this same technique to profit from our money and generate profit. please help me access my money. 

the following is the content of the email they sent me : " You can no longer use PayPal. ( Ref ID - XXXX ) After a review, we decided to permanently limit your account as we found potential risk associated with it. 
As a result, we can no longer offer PayPal services to you.

Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you cant send or receive money.

If you have funds in your PayPal balance, it will be held for up to 180 days. After that, well email you with information on how to access your funds.

"
Product: Credit card or prepaid card

Bank of America On XXXX XXXX-XXXXXX/XX/XXXXand XXXX of 2019 I filed complaint with the CFPB on your institution pertaining to a FCRA violation of a FDCPA account XXXX was charged off on XX/XX/2019 I asked you to look into the way that you were reporting to the credit agencies about this account as I had did my research/ investigation you sent this account to a 3rd party debt collection agencies in y to collect on it. however per the FCRA the creditor MUST MUST indicate on a consumer credit report that the account was transferred and or sold. I submitted your responds in a file in which you indicated in a letter saying if i had question about the account I needed to contact XXXX directly at XXXX XXXX XXXX the account was not in your possession therefore you would have had to report the account as Transferred. then you go on to say federal law require bank of America to report fair and accurate payment history! Now I'm turning the table around on you Federal law requires creditor such as yourself to report fair and accurate information on a consumer credit report in this cause you are in violation of the FCRA due to the fact that you didn't report you had transferred the account to a 3rd party debt collected or not. As of my lasted credit report you are still in violation of the FCRA So I asked you to delete this account immediately and also and have the credit reporting agencies send me a updated credit report with the deletion. also you could be sued for {$1000.00} per the 4 credit agencies. Please comply and have this item removed asap. also You are the Only bank that will not reply back via the cfpb site claiming the information don't match I asked you to please respond via this site if this item is not removed I will file Legal action due to the fact that you are in violation and reporting unfair information on my credit report! I will be awaiting your responds!
Product: Checking or savings account

After I got a call loan officer. 


XXXX, XXXX XXXX New York. My chase account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX Attention : XXXX  Dispute Department Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows credit inquirY that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed an FTC REPORT as these inquiries where not done with my knowledge or consent XXXX XXXX {$840.00} as of XX/XX/XXXX they have put this account into collections I have no knowledge of this global lending service ran a credit report XX/XX/XXXX XXXX XX/XX/XXXX without my knowledge im not sure what this was for XXXX XXXX ran a credit report XX/XX/XXXX XX/XX/XXXX not sure why XXXX XXXX XXXX ran a credit report on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ran a credit report on XX/XX/XXXX XXXX XXXX  rand a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX credit report on XX/XX/XXXX XXXX XXXX  ran a credit report on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX a credit report on XX/XX/XXXX
Product: Checking or savings account

In XXXX XXXX XXXX ( my partner of 30 years ) closed her IRA account to cover medical bill as she was in the process of dying. We went to Bank of America ( BOA ) and talked to XXXX to close the IRA account then, but was told it would be 4-5 more business days before they would close it and move the money to her BOA account. 5 days later XXXX called to find out where to move the money and how much to withhold in taxes. All this happen around XX/XX/XXXX. It was my understanding the IRA account was closed at that time. 

Several months later I started to receive statements of the IRA account with {$23.00} in it. Dealing with the passing of and estate of XXXX XXXX 
XXXX I assume this was an accounting error and let it go. 

XXXX of XXXX I was still receiving statements for the {$23.00} so I contacted XXXX and was told that I was the benefactor of the account. 
That they could send me the balance but I had to fill out and notarize a Affidavit of Domicile, they had the Death Cert on file from XX/XX/XXXX, which I did. I was instructed to email it back then call the next day, which again I did. Talking to XXXX personal on XX/XX/XXXX I was told that a check would be issued for {$23.00} and to expect it no later then XX/XX/XXXX. I also talked to another associate about the impact of taxes on money from this account. 

XX/XX/XXXX I contacted XXXX again as I had not seen a check. 
I was told then that " Oh we have to charge for closing the account of {$49.00}. I was never told this, I was not given any paperwork stating this, but was told by XXXX on XX/XX/XXXX that I would receive a check. Later this same day ( XX/XX/XXXX ) I received a phone call from another XXXX personal stating they were sorry that they made an error when talking to me on XX/XX/XXXX and that there would be no check coming but they would kick it up to management for review. I should receive a phone call from the management in 24-48 hours. 

I was never told of any closing cost, it should have been considered closed in XXXX when we waited 5 business days for the stock and bonds to close. They never contacted me that there was no check coming, they just let me hang till I called then stated we are keeping the money we promised you. 

I know it's not a lot of money but it's the point, I followed their directions, a cost to notarize their form was incurred by me and now they will not keep their word and cut a check to me. I have to wonder how many times this has happen to other people who would just say its not worth it and XXXX gets to keep money they are not entitle to.
Product: Checking or savings account

On XX/XX/2024 I noticed 4 charges in my checking account that were made in Massachusetts. I live in Texas. I have never been to the state of Massachusetts in my lifetime. The charges were made to a XXXX and also a gas station, according to XXXX, in the state of MA on this date. The charges totaled {$880.00}. I called my bank and they reversed the charges and also began their own " investigation ''. 

As of today, XX/XX/2024 I noticed those charges were deducted from my account again and called my bank to ask what it was. They told me that upon a thorough investigation they decided these charges were not fraudulent. This is gross negligence and poor investigating. These are absolutely 100 % fraudulent charges. I can prove other transactions that occurred that day made by me in my home city of XXXX, Texas. I can not fathom a thorough investigation did not pick up on this. 

This is disturbing to know I bank with someone who can not properly investigate fraud charges and then take my money that was stolen at one point and then taken from me again and stating it was legitimate for them to do this. I need my money back. It is my money and it was stolen from me before and now it has been again. This is horrible practice by a financial institution.
Product: Mortgage

On XX/XX/XXXX I received a call from a representative at Loan Depot, name XXXX XXXX telephone number ( XXXX ) XXXX, who stated they had received a notification I was looking to refi. I stated I was looking into my options. Over the phone the rep advised me what Loan Depot could offer. 

We spoke for about 45 mins, she presented me my options, and based on those options, I advised I would not be moving forward. She continued to try to push me and I advised again I was not interested and to please not submit my application. 

Then on XX/XX/XXXX at XXXX I received an email stating the opposite. The representative did in fact submit my application, without my permission, and did in fact open a customer refinance profile without my husbands and/or my consent.
Product: Credit reporting or other personal consumer reports

I am following up on an issue with Navient, a student loan provider. I was working on my Ph.D. and a student in school. Navient kept sending me your letters, and bills and they were calling me that I had to pay them back from XXXX. My university confirmed I was in school and working on my Ph.D. Navient kept billing me. The vice president of my university and I called Navient and it was cleared up. It took many months and over XXXX hours of discussion between Navient and XXXX XXXX  to finally get Navient 's misinformation finally got it settled. 
An issue with Navient came up again in XX/XX/XXXX. I began getting calls from Navient that student loan payments were due. I was still attending my graduate program. I understand that post-graduation, graduates have a six-month grace period. This would be estimated from XX/XX/XXXX at which time I was scheduled to complete my program and graduate. I communicated this information to Navient representatives, which was ignored. 
Navient representatives continued to call and bill me demanding pay even though I was in school and later within the grace period. I contacted my lawyer and despite many communications and documents showing their error with the repayment period, Navient continued to send me emails and bills of past due payments. They also reported them to credit bureaus the mis information. The bills show overdue payments even though I am in the grace period. I have consolidated all my student loans however Navient refuses to correct the credit bureau reporting errors. 

My credit report is significant for XXXX, which I qualify as a state service employee. I am requesting to remove the late payment reports from Navient as soon as possible to ensure my credit is restored so it does not affect future XXXX or other credit concerns. 
Kindly confirm this will be corrected at your earliest convenience. I am attaching previous documents demonstrating the reporting error to my credit report. On a related note, Navient sent a letter with a return address stating the " Department of Education. '' The letter stated I could not consolidate my loan because I had a past due payments balance with Navient. I learned that the letter was not from the Department of Education it was from XXXX which is Navient 's affiliate. This is clearly fraudulent misinformation and their unwillingness to correct their errors, is a serious concern. 

I went back to my employer to let them know and they told me to file a report with the CFPB. I filed a complaint to get my loans consolidated and report Navient 's bad-faith communication/ practice. I'm concerned as they may be reporting overdue payments to the credit bureaus which is untrue. They are stating I owe {$840.00} and other fees that are past due but am still in the grace period. I hope to clear this misinformation that is affecting my credit from the misreporting by Navient 's reports removed from my credit reports.