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

We recently made two charges on our Chase Freedom Unlimited to pay someone using XXXX. Both charges were assessed a {$10.00} " cash advance '' fee. I complained to Chase, and they refunded one of these charges but not the other. Chase does list a {$10.00} cash advance fee on the page that lists fees for the card : XXXX XXXX XXXX However, there is nothing on that page that suggests that XXXX or similar services count as a " cash advance ''.
Product: Money transfer, virtual currency, or money service

I signed up with Coinbase with a debit card. They verified my account instantly and pitched the Bitcoin I requested. 12 hours later my account was compromised. The warning sent by email that my password had been changed suggested that I lock my account and reset after validating my identity. However they will not verify my identity and have permanently locked me out of my account. The customer service is non existent and automated with a computerized faq but no actual help. They have basically stollen my money and refused to address the issue. I guess its legal to steal so long as you can avoid the person you have stollen from long enough
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's 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 over the past 8 years, one amount in which I was robbed of XXXX $ which devastated me. My financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving me vulnerable to scams. This lack of accountability and transparency is absurd and raises serious concerns about consumer safety.
Product: Credit reporting

I filed a dispute with MIB because it is reporting incorrect information in their file they sent me a letter claiming the member company with them supposedly did a reinvestigation and sent me a letter claiming why they cant remove the incorrect information but as to date XXXX/XXXX/2015 no letter but I got a XXXX opinion and told I did not have that condition so I gave them all the information they needed to contact to verify information they never contacted them so they never done a reinvestigation as claimed also they MIB are giving out my report to companies with out my permission or knowledge claiming was some body else and sent wrong file not once but XXXX .The attached item noted was self reported to them never got any records so these are false. Also attached letter sent claiming they done reivestigation.
Product: Credit reporting or other personal consumer reports

ACCOUNT NUMBER XXXX DATE OPENED XX/XX/2020 DATE CLOSED XX/XX/2020 this account is still on my credit report I also filed a identity theft report on this years ago this account is now saying it is closed now I no loner need or want this on my credit report and I need XXXX to correct this matter and delete off of my credit report asap
Product: Student loan

My federal student loans are serviced by MOHELA. On XX/XX/year>, MOHELA provided me with a letter through its servicer portal announcing that my account was being placed on " Administrative Forbearance. '' The letter did not explain the reason for the forbearance. The letter did not state the start or duration of the forbearance. The consequence of the forbearance on my progress toward Public Student Loan Forgiveness ( PSLF ) eligibility was not addressed in any manner in the letter. MOHELA did not provide me with a billing statement for XX/XX/year>. I then contacted MOHELA requesting that it provide me with the billing statement. MOHELA responded : " Your request to email the MONTHLY REMINDER TO DIRECT DEBIT BORROWERS sent on XX/XX/year> has been submitted. The document will sent via secure message to the email address on file. '' This response was not relevant to my outreach. However, MOHELA 's message continued : " Over the next several months MOHELA and Federal Student Aid ( FSA ) will be transitioning to a new loan servicing platform. Accounts will transition in waves each week over the next several months. MOHELA and XXXX will be reaching out to let borrowers know that their accounts will be transitioning to a new loan servicing platform. Your XXXX Transition scheduled to begin on XX/XX/year>. '' On XX/XX/year>, MOHELA provided me a letter through its portal that my loans had transitioned to a new platform. The letter provided no information about the end of the forbearance or the consequence of the forbearance on my progress towards PSLF eligibility. Also on XX/XX/XXXX, MOHELA provided another letter stating the forbearance would end on XX/XX/year>. This letter provided no information about the consequence of the forbearance on my progress towards PSLF eligibility. On XX/XX/year>, Federal Student Aid updated my PSLF eligible payments in its portal. The months of XXXX and XX/XX/year> were deemed ineligible due to forbearance. MOHELA provided no notice that its forbearance, the cause for which I had no part in, would result in the loss of two months ' progress towards PSLF eligibility. No remedy is being provided by MOHELA or Federal Student Aid to address MOHELA 's omissions when implementing this forbearance for its own convenience.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX : TransUnion is reporting a payment status of 90 days late, XXXX is reporting no late payments and XXXX is not reporting this account. XXXX XXXX XXXX : TransUnion is reporting a payment status of 30 days late, XXXX is reporting a status of 30 days late, XXXX is reporting a status of 30 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX TransUnion is reporting an open date of XX/XX/2019, XXXX  and XXXX are not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Placed a order on XX/XX/2019. Never received the XXXX   delivery. The cc company gave me a refund for the amount. Later I had another charge that was the same amount of the XX/XX/2019 order. More than a month later I was called and told I was given a refund that appeared on the XXXX statement and the XXXX statement reflected that I returned the item to the store for a refund. The store return was for another a different purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have multiple inaccuracies due to identity theft thats needs to be removed I have tried numerous times to reach out and get these items removed including a public record but they are using a 3rd party which isnt verifying anything and the court have already provided a letter showing its not mine. I have attached my FTC report along with a dispute letter. my ID and my social Security card with the accounts listed that needs to be removed immediately
Product: Debt collection

I have requesting validation of debt owed regarding the {$5100.00} XXXX balance and Agency Fee {$1600.00} totaling {$6700.00}. 

{$1600.00} Agency fee can be considered as a unfair practice. 
The extra fees are not permitted I requested Cedar Financial send the original credit agreement where it states that {$5100.00} can be increased to {$6700.00} due to agency fee. 

I asked for payment options of 12 months or more. The agency would not allow more than 12 months or but promoted a XXXX lump sum payment. 

Cedar financial Ph : ( XXXX ) XXXX XXXX Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX www.cedarfinancial.com XXXX
Product: Checking or savings account

Our bank ( Ally Bank ) notified us of a transaction ( XXXX via debit card ) on XX/XX/XXXX in the amount of {$1500.00}, which was the result of our credit card number being stolen. On XX/XX/XXXX we immediately reported the fraud to our bank, which required us to wait until the transaction posted to actually file the claim. 

We filed the claim, and was advised the timeframe to completion was 90 days. We were not given a credit during the time they were doing their review, so our family was out {$1500.00}, while XXXX and Ally were investigating. 

Ultimately, XXXX and Ally came to the determination that the transaction was authorized ( even though it absolutely was not ). We have been in contact with XXXX who will not release information to us, and only the bank. Our bank is telling us XXXX will not issue a credit to our account. 

Ultimately, this was an unauthorized transaction, and we should not be held accountable for fraud. I believe both XXXX and Ally are at fault here - due to XXXX falsly claiming this transaction as an authorized transaction, and Ally for not properly advocating for their consumer and not properly crediting our bank accounting for the unauthorized, fraudulent transaction. 

I have attached notices sent to us by Ally related to this dispute. We have made multiple phone calls, and written inquiries to Ally- you may need to ask them for copies of those interactions. We have also asked for any and all evidence related to this claim, which they ( Ally ) has failed to supply.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I had became behind on my car payment while going to school and I had contacted Navy Federal for a voluntary repossession on XX/XX/year>. After going back and forth with the rep on picking up the vehicle after being told how irresponsible I was he told me he was sending someone to get the car now because they were trying to repossess it anyways. They never picked up the car until XX/XX/year>. They never reported that the car was sold or took my name off because I was still receiving toll tags after investigation per there contract prior to me the car had had multiple owners which was a no no in there loan agreement and they approved and they still have the full amount instead of the amount after being sold and have been fighting this.
Product: Mortgage

My name is XXXX XXXX XXXX and I filed a civil complaint against Chase Bank because I am confused about payments, who to pay, and all of the erroneous and conflicting information surrounding my VA Home loan. 

The Department XXXX XXXX XXXX noted that XXXX XXXX XXXX XXXX XXXX is my one and only lender. I've spoken with supervisors at the VA and received paperwork which supports this claim. I took out a VA home loan with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and sent payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the Department of XXXX XXXX, Chase Bank shows up on my file as a third party collector in XXXX. My payments with XXXX XXXX is not accounted for. Chase Bank notes they bought my loan from XXXX XXXX, which is untrue because the VA states otherwise, and by federal law, borrowers are protected and when a loan is bought or sold by the old lender and new lender, both are to notify you in writing within 15 days, which never happened. 

Additionally, Chase Bank, who again, was noted as a third party collector on VA records and mysteriously showed up on my VA loan in XXXX stated that they were my lender, when they were not, which is considered deceptive business practices. 

TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located ate XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX, noted in a correspondence dated on XX/XX/XXXX, and who is trying to fraudulently steal my home and sale it on XX/XX/XXXX, indicated that Chase Bank sold my loan to XXXX XXXX XXXX  This is false information. Again, the VA confirms Chase has never been a lender and that the only lender on file for my loan is with XXXX XXXX XXXX as XXXX XXXX Chase Bank has no legal authority to sale my home to XXXX XXXX XXXX, and again, federal law protects borrowers when loans are bought or sold by requiring that both the old lender and the new lender notify you in writing within 15 days of a sale that a transfer has taken place. This never happened. I only received a foreclosure letter in XX/XX/XXXX. 

I attest under the law of perjury that I have never received any information from old and new lenders of a sale taken place. I've asked both Chase Bank to provide me with a copy notifying me of the sale, but have never received a copy of this letter nor have I received anything from XXXX XXXX XXXX as XXXX XXXX which again , is required by law.
Product: Debt collection

I am having issues about Merchants Acceptance leaving a charge off on my credit report that should not be on there I am paying this company every two weeks in the amount of XXXX which they are reporting one as in good standing and then stating I had a charge off on another which I did not as I am paying for only one item and I pay every two weeks and have bank statements to show this. XXXX tried to get them to remove it with the proof I sent over and they said no they would not even though I am current on all my payments. The product I also got from them was faulty and even started my carpet on fire I called them several times to come get it before I would owe for it and they never returned my calls. This information needs to be taken off my credit report as it is not a charge off it is an account that I am paying for. See below Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$1900.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment - Past Due Amount {$1900.00} Highest Balance - Terms 36 Months Responsibility Individual Your Statement - Comments - Contact Information XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Product: Debt collection

the original debt was with radiology partners but was sold for XXXX on the dollar NTL RECOVERY AGENY who opened the account on XX/XX/year>, whom I have no purchase agreement with for XXXX dollars with the account number being XXXX
Product: Debt collection

Opened XXXX. XXXX, XXXX  ( XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX {$2000.00} Closed No Info
Product: Credit reporting, credit repair services, or other personal consumer reports

last week i received a copy of my credit report and noticed several accounts that are listed on my report that never applied for never used i dispute these accounts and refused to remove these accounts are indentify fraud XXXX XXXX, XXXX, {$3800.00}, XXXX Dept of Education/XXXX XXXXXXXX XXXX {$5200.00} XXXX ( XXXX ) XXXX, deptofeducationXXXX Dept of education/XXXX XXXXXXXX, {$2900.00}, ( XXXX ) XXXX, deptofeducation/XXXX Dept of education/XXXX XXXXXXXX, {$6100.00}, ( XXXX ) XXXXdeptofeducation/XXXX Dept of education/XXXX XXXXXXXX, {$3200.00}, ( XXXX ) XXXX, deptofeducation/XXXX dept of educationXXXX XXXXXXXX, {$5000.00}, ( XXXX ) XXXX, deptofeducation/XXXX Dept of education/XXXX XXXXXXXX, {$2900.00}, ( XXXX ) XXXX, deptofeducation/XXXX Dept of educationXXXX XXXXXXXX, {$6300.00}, ( XXXX ) XXXX, deptofeducation/XXXX  Dept of education/XXXX XXXXXXXX, {$10000.00}, ( XXXX ) XXXX, deptofeducationXXXX XXXX XXXX XXXXXXXX, XXXX, {$16000.00}, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, {$16000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, {$11000.00}, ( XXXX ) XXXX XXXX XXXX, XXXX, {$1500.00}, ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, ( XXXX ) XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX, and XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and also fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card such as XXXX  XXXX ( Account Number : XXXX ), XXXX XXXX around XX/XX/XXXX ( Account Number : XXXX XXXX personal loans such as XXXX XXXX XXXX around XX/XX/XXXX for amount of XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX open around XX/XX/XXXX for amount of XXXX ( Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for total amount of XXXX ( Account Number : XXXX )XXXX XXXX XXXX XXXX  ( Account Number : XXXX )XXXX XXXX XXXX XXXX  open around XX/XX/XXXX for total amount XXXX XXXX ( Account Number : XXXX, XXXX  XXXX opened around XX/XX/XXXX ( -Account Numbers : XXXX XXXX, XXXX  opened around XX/XX/XXXX ( Account Numbers : XXXX XXXX, XXXX  open around XX/XX/XXXX ( Account Numbers : XXXX ), XXXX open around XX/XX/XXXX ( Account Numbers : XXXX ), XXXX  open around XX/XX/XXXX ( Account Numbers XXXX ), XXXX  opened around XX/XX/XXXX ( Account Numbers XXXX XXXX XXXX collections accounts such as XXXX funding for amount of XXXX ( Account Number : XXXX and XXXXXXXX XXXX XXXX  for amount of XXXX ( Account Number : XXXX, XXXX XXXX XXXX XXXX ( Account Number : XXXX ). These accounts have resulted in several fraudulent hard inquiries and also fraudulent collections and charge offs appearing on my consumer FICO credit report. I have attached this list as well as a copy of my credit report maintained by you which shows the aforementioned accounts, collections, and charge offs as reported. These aforementioned accounts, collections and charge offs on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs are results of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint ( Case Number XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.
Product: Checking or savings account

Beginning Monday, XXXX XXXX, I have been locked out of my account. They wanted to verify my info which is fine. First they asked my email address. When I gave it several times they told me it was wrong. Ive had this email for several yrs. I finally told them to ask me the security questions. They asked for my email. Since Ive been with this awful Fifth Third Bank you wait a minimum of XXXX hour each time. They tell you if you enter Social Security you will get through faster. Has never happened. 
I live in supportive living, am XXXX XXXX XXXX, in XXXX XXXX  with serious health problems. With 5 days of this, hrs. per day, Im sure that XXXX XXXX was way up ; even though Im on medication. 
On XXXX call I was transferred 3 times with at least XXXX hr. ea. time. When I finally got a supervisor who promised to help we were disconnected before we got started. They have my correct address & phone but not email. They could have called back & didnt. 
Fifth Third took over my old bank several yrs. ago. If I had to call my old bank a real person answered immediately & I was done in 5 minutes. Fifth Third is denying me access & Id love to see them out of business. THANK YOU!