23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I had a promotional balance end on my Citibank credit card. on XX/XX/XXXX I paid the minimum payment of {$350.00}. After I verified that the promotional rate had ended and that my balance had been moved to the standard purchase rate, I made a balance transfer of {$3100.00} with another card to pay off a portion of this balance that had just been moved to 18.99 %. This transfer cost {$120.00} and went through on XX/XX/XXXX. 
When I received my statement on XX/XX/XXXX I was upset because the transfer had gone to pay my flex loan, which was a 3 year loan that is a part of the balance on the credit card, at a rate of 10.99 %. I immediately called the company to straighten it out. Two weeks later I received a letter in the mail explaining how their payments are allocated, but what they described was not how they had applied my payment. I called the company again. This time I was told that I was in the right, and they would review it. After waiting some time I contacted the company on a chat feature they offered online. I explained my situation to which the bot I was dealing with sent back several nonsensical explanations which were of no use. Finally this evening I called again, as I had received a new statement which indicated that nothing was being done. Again I was told that the payment was not allocated properly, but that because it had already been processed on the flex loan there was no way to correct it. He said that it takes a couple of weeks to process when they move the balance to standard purchase, and I should have waited until I had gotten my statement before making the additional payment, although it is clear they were charging me interest during that time. He suggested that I take advantage of a balance transfer offer that I had on the card, and then use the money to pay back the higher interest portion of my balance. They still are charging me the 3 % fee on the roughly {$6500.00} transfer, over {$200.00}! I did agree to this transaction, as it seemed the only way to fix my problem. Prior to getting off of the phone the man said that he was happy that they could resolve my problem, to which I replied that they had solved my problem, that they had admittedly caused, completely at my expense, that the company had not stepped up to help me in any way, that what they had done was illegal, and that I was going to file a formal complaint. He seemed reluctant to let me go, but I don't believe he was in any position to offer me any help. I know this is small potatoes, but I estimate that it cost me a few hundred dollars in fees and interest, and the bank is profiting from it's own illegal action.
Product: Credit card or prepaid card

First Progress Account # XXXX is currently violating FCPA 15 USC 1681s-2- Resposibilities of Furnisher of information to consumer reporting agencies. DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. I have directly requested validation of Debt regarding First Progress Account Number XXXX via USPS Certified Mail XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX. First Progress Did Not Validate this debt in pursuant of the FCPA. I mailed the letters in pursuant of the ADMINISTRATIVE PROCEDURE ACT.. In addition First Progress has reported different payment history to XXXX than XXXX. On XXXX credit report is shows " No Data Available ''. On XXXX there are codes and figures in payment history. Futhermore the IRS states " Cancelled Debt '' as " gross income '' ( see enclosed IRS publication on Cancelled Debt
Product: Student loan

On XX/XX/XXXX I inquired with Mohela regarding refunding payments made during the payment pause for COVID-19. I received an automated response stating that the request for refunds had been submitted and there was nothing I needed to do. I subsequently called Mohela a few days later and spoke with someone who told me there would be 2 refunds : one for payments made directly to Mohela and the other for payments made to XXXX during the period of XX/XX/XXXX to XX/XX/XXXX. I received the refund from the payments to Mohela on XX/XX/XXXX, but was told that the XXXX refund could take 90 days. After 90 days passed I subsequently called again in Late XXXX/Early XXXX to ask for a status of that refund. I was told they accidentally closed out the refund request and would re-open it. I messaged them again on XX/XX/XXXX and again XX/XX/XXXX with no response. Today I called ( XX/XX/XXXX ) and was told my refund request was cancelled as it passed a date of XX/XX/XXXX. Even though my original message and request was in XXXX I am now being unfairly treated for money that was overpaid during a very hard financial time seeing prices increase for everything. Now I am struggling trying to make ends meet while counting on receiving this refund.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 results 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. 

and according to 15 USC 1681s-2 they are suppose 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

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 COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of inquiries that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX. XXXX, 2021 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

There has been 2 overpayments of {$98.00} from my escrow portion of the mortgage payment. The first posted XXXX XXXX and the 2nd. on XXXX XXXX, 2022. The servicer of the loan is Mr. Cooper, who uses a co. called XXXX for the disbursements of the escrow. 
The tax assessor, ( XXXX XXXX ), wrongly submitted an additional tax on my property that I had to appeal, and received a favorable decision from the XXXX XXXX Board of Taxation in late XXXX. I faxed the letter, ( verification ), that I was not responsible for the additional tax, yet they went forward on XXXX XXXX with the 2nd overpayment. The refund for the 1st. overpayment was sent by check from the municipal tax office in XXXX XXXX on XXXX XXXX and still has not been processed to my escrow!
Product: Checking or savings account

Hello cfpb, I contacted you in the past concerning my bank problem, I don't know if you thought it was settled but in all this time using lawyers and government offices I continue to look for closure and compensation. 
In XXXX it was brought to my attention that for the pass 14 years, bank employee or employees had been removing money from my Money Market Savings account, Trust account and checking account. I learned that after I would send my bank papers and information to several different offices, nothing came of it I was puzzled as to why a bank such a XXXX XXXX and Chase Bank would let a thing like this go unsettled. Manager XXXX XXXX XXXX at the XXXX Ohio, branch of Chase Bank either was appointed or took it upon himself to intervene with my case. He would tell them that it had been taken care of. He never looked at my bank statements or figured the numbers. In fact when I went to the bank and showed him my checking account where I deposited {$75000.00} and a bank employee removed the {$70000.00} she said my son owed on his loan, it was put in an investment firm in my daughters name without me knowing. XXXX XXXX told me they were not going to give me this money. When I first became aware of the situation, I called the bank and the clerk told me to call the CEO XXXX XXXX, I was shocked to think the CEO would remove money from a depositor 's accounts. I did write him with fax 's and letters the most recent was XX/XX/XXXX with my papers as proof. He never responded to my concerns. I feel he should have gotten in touch with me and appointed someone to look into my complaint if he was to busy to bother himself. This has taken 25 years of my life I lived in a depressed state of mind, not living but only existing.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXXXX/XX/year>
Product: Debt collection

On XX/XX/XXXX, my father reported getting a spammy call for me on his phone. He reported they left a message asking for me and my address, but gave little else. The next day, my brother-in-law reported a similar voicemail. Neither of these people would ever been on a loan or given contact information, so it appeared very fishy. Now today ( XX/XX/XXXX ), I receive my first call from the same person XXXX. It was hostile and full of lies. He said he was trying to contact me and all attempts had been ignored. THIS WAS THE FIRST VOICEMAIL OR CALL I RECEIVED. It also lacked any real information, including why they were actually calling. Just that this was a final attempt after ignored calls ( the truth is they never called ) and to call this random number. There is a chance this is legit, but also a good chance this company is scamming me. Also, legit or not, its absolutely absurd they would stalk me to try and find my fathers and brother-in-laws numbers. Now, even if it was legit, they wont get anything from me. Im filling out the complaint as if they are a debt collector, because the number they provided links back to one. Even the website though looks like one giant scam. Either way, Im filing this as the company is extremely shady, unethical, and poorly run.
Product: Credit reporting or other personal consumer reports

Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.
Product: Credit card or prepaid card

Capital one has still not updated my credit card to reflect a XXXX BALANCE and still is charging interest. Furthermore, They have not send updates to the credit bureaus to reflect a XXXX BALANCE causing my credit score to be lower.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX was date XX/XX/year>2024 but I never received a response from the. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

Fifth Third provides an application to make scheduled payments. I scheduled payments for 12 months in 2023 and they have been paid no issues. When they make an update to the application it removes scheduled payments. They charged me XXXX late fees and waived one. I want both waived. They are misleading customers and removing scheduled payments to collect late fees. They told me they removed them and mailed a generic notice. I never received any notice. This is misleading consumers to collect late fees.
Product: Debt collection

Receives letters in the mail. Went to court XXXX XX/XX/XXXX and XX/XX/XXXX twice and the judge dismissed the cases because of lack of communication on Midland Credit Management .
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence Engelhardtv v.Graven ( MO ) 261 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution and Zel failed to investigate my concerns adequately. They informed me that recovering loss funds was impossible, and that tracking these transactions was unfeasible the CFPB findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I am in the PSLF program with XXXX eligible payments and XXXX qualify. Most of my payments are associated with my time working at XXXX XXXX XXXX XXXX in XXXX XXXX, Arkansas ( XXXX payments ). I no longer work there and they are not easy to deal with as far as getting my employment certification signed by them. So its unsigned all this time. 

When I initially got into the PSLF program in XXXX 2022 I consolidated and was set up with XXXX. They told me tax transcripts I submitted for my time with XXXX XXXX XXXX would be proof of employment. When my loans were transferred to Mohela in XX/XX/2022, I spoke with service reps by phone and email messages more than once in XXXX and XXXX and they never said my tax transcripts wouldn't be usable. In XXXX, through chat, when I contacted they did not say so then either. In XXXX, by phone, they told me I needed w2 's AND check stubs for all the years I worked at XXXX. They said since the IRS masks the full tax ID and XXXX XXXX XXXX XXXX on the transcripts they couldn't trust that. I don't have the pay stubs or access to that many. I requested W2 'S from SSA in XXXX and told Mohela this. By this time my 90 business day processing was winding down. In XXXX they told me Department of Education was verifying my employment with XXXX and that wouldn't take long. In XXXX, they say through an email I initiated that they don't know what I'm talking about and can't tell me anything. They said I need W2 's OR pay stubs I need real answers because it seems like my PSLF is being held up and I'm getting the runaround. I am still waiting on w2 's from SSA. If my request sent from them doesn't produce all the W2 'S and I can't find anyone reasonable enough to sign a employment certification form at XXXX, I won't get my loans forgiven. I have all the tax transcripts.
Product: Credit card

Sir, I have complained about fraud happened on my XXXX  bank credit card on XXXX XXXX, XXXX and after getting msg alert on my email and XXXX  bank app, I logged compliant on your customer care number and immediately blocked my card on XXXX XXXX, XXXX. 

I have received an email from your bank that my case is resolved and closed. After that I called on customer care and they are telling the matter is not in my favour and I have to pay entire huge amount of XXXX to the bank. 

Sir, I have not given any otp or link shared, so why I have to pay as this amount is neither spent by me or purchaed any article for me. 

Kindly do the needful and waive off the unauthorised outstanding amount from my card. 

As per XXXX  guidelines, It does not come under customers liability, even after if customer 's fault is there, he is responsible to XXXX only, so why to pay full amount. 
( XXXX attached XXXX  ) Please do the needful at the earliest as I am fully XXXX  and fed up with this. 

In anticipation of positive response from your side. 

Regards XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 

XXXX XXXX XXXX XXXX XXXX WELLS FARGO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromXXXX, I noticed an UNAUTHORIZED inquiry made by your company XXXX XXXX XXXX on XX/XX/XXXX I did not authorize anyone employed by your company to make an inquiry and view my credit report on that date, I have Paid and closed XXXX credit cards in the past XX/XX/XXXX. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry without my permission. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following creditors have violated my rights : XXXX ... XXXX ... ... ... ... ... ... ... ... ... ... .. account # XXXX, XXXX ... ... XXXX XXXX XXXX ... ... ... ... ... ... .. account # XXXX, XXXX XXXX XXXX ... ... ... XXXX XXXX ... ... ... ... ... ... ... .. account # XXXX, XXXX XXXX ... ... ... ... ... XXXX XXXX XXXX XXXX accoun t # XXXX, XXXX XXXX ... ... ... .account # XXXX, XXXX XXXX XXXX XXXX ... ... .... account # XXXX, XXXX XXXX XXXX ... .... account # XXXX, XXXX XXXX XXXX XXXX XXXX ... ... ... ... ... ... ... .account # XXXX, Department of ED/XXXX ... ... ... ... .account # XXXX, XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ..account # XXXX. 



15 U.S.C. 1681 Section 602A states I have a right to privacy.

15 U.S.C Section 602 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

LJ Ross has sent me what is on my credit report. This not validating what I 'm asking. Moreover, I am asking LJ Ross Assoc to validate background information with respect to the described account numbers. Since deleterious errors may be contained with respect to what you reported, I formally request that you send all relevant data within the 30 days.In addition, show that the accounts was established legally. I want more than only a cursory account history. Instead, this is a call for a formal documentary review. 
If this documentation can not be provided during the time delineated here, data forwarded by you to the credit reporting agencies should not be considered truthful and may indicate L J Ross Assoc 's intention to violate applicable federal and/ or state collection laws. In that case, please erase those bureau reported immediately. 
I also ask that no info given is medical description because there are thing that I only want a doctor to know Under the Hippa
Product: Checking or savings account

Hello Team - There are multiple transactions from my Bank of America Checkin account between XX/XX/XXXX to XX/XX/2021. I was out of the country with my family from XX/XX/XXXX to XX/XX/2021 and during my absence a new debit card was delivered to my home address and looks like someone got that card and did transactions of more than {$6300.00} from my card. When I came back to US on XX/XX/XXXX and checked my account around XXXX then noticed that someone is doing continuous transactions from my account. I called customer care to report problem then they froze my account to stop further transactions but for further research and processing they asked us to visit branch with photo ID. When I went to branch they mentioned it will be handled by fraud dept online and they can not help. Then again I called customer care in evening, they repeated the same thing to visit a branch and call from there, After back and forth with bank and Customer care I got an appointment with one of the bank rep on Wednesday XX/XX/XXXX, then after verifying our identity from there we called fraud dept with the help of bank rep, it was an hour long call and she discussed about each transaction and told us she has registered our complaint and I will get our money back between 10 to 90 days. We felt little better as they all assured that I will get our money back and I were waiting for same ... 
Yesterday, I noticed that there was a letter in my mail that my claim has been rejected and reason mentioned in the letter was " these transactions were authorized by me ''. which is absolutely wrong as I never got that new debit card and not at all aware who received it and used it ... 
I have again done appeal to bank yesterday XX/XX/XXXXand waiting for their response.