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

XXXX XXXX issues a credit card in collaboration with XXXX that claims no interest on purchases of XXXX products. I have previously used the card successfully. Recently purchased an XXXX computer and paid balance on time in 3 installments. XXXX XXXX charged interest nonetheless. I objected but they insisted that original payment terms did not apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUN
Product: Checking or savings account

I am writing to file a complaint with Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled insufficient balances despite initially available funds I believe these practices are unfair and request an investigation into my account transactions. This is has caused my account to be closed.
Product: Mortgage

My loan was transferred from XXXX to Wells Fargo in XXXX of XXXX. Wells had my loan for approximately 10-years. They recently forwarded my loan to XXXX XXXX XXXX ( XXXX ) with a balance of {$230000.00}. 

There seems to be some discrepancy with the payments made to Wells Fargo. The balance forwarded to XXXX does n't seem to have deducted the amount of money that 's been paid to Wells over the 10-year time frame. 

So, I need an account of ALL payments made to Wells Fargo from the time they received the loan from XXXX XXXX of XXXX to when they transferred my loan to XXXX in XXXX of XXXX.
Product: Credit reporting

I settled on a credit card balance with XXXX XXXX XXXX XXXX XX/XX/XXXX. They claim they sent a report to Equifax to ensure the account would be marked as closed. However, every month since then, for ten months in a row, the credit card has been reported again by XXXX XXXX to Equifax as " open ''. XXXX at Equifax said it was once again reported open on XX/XX/XXXX, four days ago. 

I have received multiple letters from XXXX XXXX claiming they closed this account with Equifax, yet every month they go ahead and report it again to Equifax as open and now " delinquent ''. I have written them multiple times over the last year and continue to this day to receive acknowledgment from XXXX XXXX that the card was indeed closed as of XX/XX/XXXX. Yet they continue to report it as open and now delinquent for ten months ( even though it is actually closed and not delinquent at all. ) I am being materially damaged by this continuing incompetence by XXXX XXXX - not able to get the loans I need for my business because this wrongful reporting continues, and shows me delinquent on this closed card for the last 12 months in a row. 

XXXX XXXX has shown no urgency in resolving what they have readily admitted for ten months that they have done wrong.
Product: Debt collection

I have been receiving multiple calls from XXXX at Miller Stark Kline. They claim that i have 3 complaints against for a debt and want my social security number to verify its me. I refused to give this information over the phone for identity theft concerns and asked that it be sent to me in writing. At first, they refused and indicated that they did not have to send it writing. I said that I have no knowledge of any debts being owed that I would have to verify -- the woman began speaking over me and said that this was a mediation. I advised her that I was an attorney and that this was NOT a mediation and she was not following proper procedure to collect a debt. At which point she hung up. She then called back a few minutes later and wanted my address. I said, if you have debt that I owe you have my information and address. She then said she would see me in court again and hung up. I have no problem paying money that is owed. However, I have been up to date on all of my bills for a number of years and I have no knowledge of any debts being owed. It is also improper to have not written communication about a debt and instead a violent phone call demanding information. This seems to be violation of the FDCA.
Product: Checking or savings account

On XX/XX/2020, i was at the gym when my Capital one bank card was declined. I tried to log into my account and was unable to do so. I then went to one of capital one branch locations and i was told the account was closed and they ended the relationship with me. I then called the bank regarding my funds in the account, I was told it will be mailed to me. I tried several times since then and as of now XX/XX/2020, I was told they can no longer help me and can not transfer me to their headquarters or their supervisor. I am no longer permitted to speak to anyone at the bank I have been with capital one for over 10 years and even have credit cards with them. I have {$2900.00} total ending balance. 
I have kids to feed, and i haven't been able to keep up with payments. I run XXXX XXXX XXXX to keep above water, this amount might be small to others, but to us is a lot. Its bad enough with all that is going on now, this fund can go a long way for my kids and i. 
PLEASE HELP US
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact LEXISNEXIS to get incorrect information listed on my MOTOR VEHICLE RECORD removed and the representative that I got on the phone advised me to contact XXXX XXXX back as they are the ones that submitted the incorrect information to LEXISNEXIS. Here is details : I filed a claim with XXXX XXXX regarding damage to my vehicle. The estimate was for XXXX with a {$500.00} deductible which resulted in XXXX XXXX in the process of issuing to me a payment of {$71.00}. In regards to issues with the bank account they were to send the {$71.00} to I asked of my Claims Advisor over TELEPHONE that the ENTIRE AUTO CLAIM REQUEST be CANCELLED. XXXX XXXX my claims advisor stated that she reversed the direct deposit of {$71.00} and CLOSED CLAIM OUT. Well to my surprise XXXX XXXX has reported the accident to LEXISNEXIS ( which handles MOTOR VEHICLE REPORT DETAILS ) that there is an accident listed under my MOTOR VEHICLE RECORD ( MVR ) OF AN AT FAULT ACCIDENT WITH PROPERTY DAMAGE OF $ XXXX WHICH RESULTED IN MY HAVING XXXX POINTS AGAINST MY DRIVING /INSURANCE RECORD. So when I contacted other vendors for auto insurance the rates was excessive and when I ask why I am told that because of the " XXXX points '' on my MVR listing an AT FAULT ACCIDENT IN THE AMOUNT OF $ XXXX I have contacted XXXX XXXX about this and was advised to call LEXISNEXIS and when I spoke with LEXISNEXIS I was advised that XXXX XXXX is the company that gave that information and I would need to contact them back to get corrected. Well as of XX/XX/2021 that information is still on my MVR report WHICH IS INCORRECT and I can't get XXXX XXXX to remove it. I NEVER RECEIVED A PAYOUT FOR PROPERTY DAMAGE WITH XXXX XXXX FOR CLAIM # XXXX IN ANY AMOUNT. PLEASE HELP.
Product: Credit card

On XX/XX/XXXX I purchased an XXXX XXXX XXXX ( {$1000.00} ) from XXXX, along with an XXXX XXXX XXXX ( {$78.00} ). 

Two hours later, I received phone text and email messages stating that these charges had been declined. Here is the exact text I received : " Chase Fraud : We declined {$1000.00} with the card ending in XXXX at XXXX. 
Was this you or an authorized user? Reply YES or NO. 
If yes, you will not be charged unless the purchase is attempted again. If no, we will close the card above and send you a new one that you should receive in 5 to 7 business days. Msg & data rates may apply. '' I replied YES that I had made the charge, and phoned the fraud department. I asked why my account was flagged for this decline. The woman said that purchase was out of line with my history. That is ridiculous. In XXXX I made XXXX purchases at XXXX XXXX in the {$1500.00} range, and a purchase at XXXX XXXX for {$1600.00}. It doesn't make sense. She said that the reason was an algorithm. 

The woman explained that this algorithm was because of elderly cardholders. It's on the recording. I protested, saying " elderly does not mean inept. '' She instructed me to purchase the item a second time, because the first purchase was declined. 

I probed further about the reason, and she said something about " gullible people. '' It's on the recording. I informed her that some people would be hurt being referred to in that way. She apologized to me and I said I am not insulted by that but using language that you heard in a training course is not appropriate for your customers. 

I was unable to get a solid answer from her on my particular case, so we ended the call. I am suspicious that there an age flag on my account could be the reason for the decline, as I am XXXX XXXX XXXX. 

From the text message on my phone : " You will not be charged unless the purchase is attempted again. '' From this and her clear instruction to buy the items a second time, I determined that I needed to start over with XXXX. 

First I attempted through the XXXX XXXX to cancel the original order. This proved impossible, as it had already gone to another department. 

I filed a return request through the XXXX XXXX. Since the order had been declined by Chase, I selected the option to not request a refund. 

So I ordered the XXXX items a second time, and the next day, XX/XX/XXXX, I received XXXX shipments of the exact same items. 

A few days later I discovered that both charges were on my Chase balance. 

I phoned the XXXX help desk. The woman I spoke to sounded shocked at what I'd been told to do, and the language used by the Chase representative. She said it would take 30 days to get my money back. 

I didn't like that, so asked about disputing the transaction, and she said I could if I wanted to. 

After thinking about that, I decided to dispute the transaction. I do not hold XXXX responsible for Chase 's malfeasance, but I did not want to be out the money for a month. 

This led to awkward situations in every department involved at XXXX which continue to this day.
Product: Bank account or service

I went to open an account with Chase Bank in the XXXX XXXX XXXX shopping center in XXXX XXXX, CA. I had opened a business account and disclosed I had been a victim of severe identity theft by a career criminal. I stated not only accounts were opened in my name but also, checks had been compromised and other information with other accounts. I assumed I had been red flagged by Chase and asked to provide the information proving the derogatory issue was not my fault. Not only did they refuse to disclose they had put my personal information on restriction, they had also refused to review anything regarding changing their relationship with me. I made an identity theft report with them and everything. This is not a friendly bank to do business with at all. Customer service refused to disclose any policy whatsoever. They told me to check the credit bureaus, XXXX and told me they could not say whether any of those influenced their decision. Chase went out of the way to keep me from resolving the matter and I was furious.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

These items are having a negative affect on my credit report and are preventing me from getting a equity loan to consolidate my debt.

thank you for you assistance in these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX, DEPTEDXXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX has XXXX hard inquiries on my credit report that they wont remove. Ive also reached out to the XXXX credit reporting agencies XXXX, Equifax and XXXX telling them to stop reporting. They did not abide
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX in regards to the incorrect items on my credit report, it has been 45 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW has made an inquiry on my report which I did not authorize. I have tried to contact BMW with the address they have provided XXXX and the address is wrong. I have sent many correspondence to XXXX and BMW and BMW has not replied to any.
Product: Checking or savings account

A check that I had placed in my mailbox on or about XX/XX/22 to be mailed out to pay the bill to the water company was taken at some point either from my mailbox or during mailing and altered for a different amount and made out to a different person, and my account was debited for {$6800.00} when the check was originally made out for {$100.00}. 

I noticed this issue on XX/XX/22 and immediately notified Chase Bank, my bank. The following day, I went in and filed a fraud claim with Chase on XX/XX/22. I received a letter from Chase about two weeks later that they had filed a claim with the other bank on my behalf. I have still not received my money back and have had no further update from Chase. My understanding is the other bank that cashed the altered check is XXXX  XXXX XXXX.
Product: Other financial service

I was in debt trouble at the beginning of 2014. I contacted XXXX XXXX XXXX for help. They sounded very promising. They had me stop paying the bills and let them go to collection. While doing this they had me paying Global Client Solutions XXXX to store the money which they would use to negotiate down the road once a certain amount of money was built up. During this whole time you were able to cancel at no time and get all your money back except for the opening account charge.On XXXX/XXXX/14 I decided to cancel as I had money to start paying and get back on track. When doing so this Global Client Solutions XXXX was to refund XXXX to me. They claimed to send the check and even sent a picture of a check they claimed to have sent, but never came. Once I tried investigating what to do or get the check re sent they would hang up on me every time I called after giving the account number. I just do n't know what to do.
Product: Money transfer, virtual currency, or money service

XX/XX/year>, contacted PayPal, after there had been fraud activity on XXXX of the cards linked to the account. Since my account is permanently suspended, they told me I am unable to remove any cards linked on the account.
Product: Credit card or prepaid card

I have Aadvantage CC from Citibank for which we pay {$450.00} annually for family. I reported to them before going on international vacation. While on vacation I noticed fraudulent charges on sons credit card account in XXXX Florida, which I reported promptly while on vacation and international call ( around XX/XX/XXXX ). Upon coming back from vacation ( XX/XX/XXXX ) I called and no action or credits were given. I reported the charges again and was told to wait. No written communication was sent all along. Called again today XX/XX/XXXX and staff at Citi has no information to give and dont show the credits. They are ready to close my account but will not share any info. I am told to contact security team on weekdays. Citi has email for security team or senior mgmt to report the issue - not sure what they record in the system ... .very frustrated with them and want to report their careless attitude towards customers with fraud charges on the account which they should have caught especially when vacation was reported to them in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the Credit Reporting Agencies to remove the fraudulent information completely from my Credit report. The letter I sent on XX/XX/2022 was already my 3rd letter requesting that the Credir Bureaus remove the items as they resulted from the theft of my identity. It has been a battle going through this and I am suibmitting this complaint to delete the following fraudulent information in my file. The dispute items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Reporting Agencies immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed XXXX {$0.00} DPT ED/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$290.00} XXXX XXXX  Bankruptcy XXXX XXXX : XXXX U.S. Bankruptcy Court
Product: Money transfer, virtual currency, or money service

I am writing to formally 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, my financial institution 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 has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.The CFPB 's 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute requesting outdated adverse information be removed from my credit report. According to the FCRA section 605 [ 15 USC 1681c ] subsection ( a ) paragraph 4 the information should be removed. I attempted to have the information removed by fax on XXXX/XXXX/2017, by mail XXXX/XXXX/2017, and finally by phone with XXXX on XXXX/XXXX/17. The information was updated and not removed on the first two attempts. I have not received a response from the last attempt and the 30 day processing time has expired.
I also requested the method of verification used each time and I did n't receive the information on any of the above occasions. They have violated my rights.
I provided them with a detailed letter indicating my request and the section of FCRA that applied to my situation. I also included : a copy of my state issued identification card, credit report, email communication sent from the company, and my payment history. They ignored all of the supporting documents and continued to report the adverse information that is negatively affecting my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX card but did not applied twice. 

XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX Never applied for these below : XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX Equifax Mortgage Solutions : XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Product: Student loan

I have been trying to get a hold of Mohela to submit a new payment plan, they have not responded to any of my calls and the wait times are taking hours. I need to change my payment plan as well as wondering why only two of my payments have been counted for student loan forgiveness after certifying. I want to update my payment plan and pay on time, but I have no way of contacting Mohela and my online submission was never resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched USAA 3 three FRAUD LETTERS XX/XX/XXXX transactions total {$810.00} creditcard end XXXX XX/XX/XXXX STATEMENT of. XXXX XX/XX/XXXX. {$810.00}. see attatched ID THEFT of Transactions beginning XXXX XXXX see attatched USAA INACURATE CREDIT REPORTING. Kindly note ( page 13 of 26 ) Account XXXX date opened XX/XX/XXXX PAST DUE Reported XX/XX/XXXX INCLUDED IN HISTORY FOR THIS ACCOUNT CLEARLY SHOWS ** ( page 14of 26 ) XXXX XX/XX/XXXX date last payment XX/XX/XXXX CIRCLED *** two years before it was on account?? Kindly Note I have found WHY USAA CREDITS OF XX/XX/XXXX, these letters not sent reguarding fraud of XX/XX/XXXX until XX/XX/XXXX, DISAPPEARED??? 
USAA CLOSED CARD XXXX ** NO STATEMENT EVEN PROVIDED WITH THIS CARD ENDING XXXX. NO INFO PROVIDED TO ME. The entire thing disappeared after I reported fraud XX/XX/XXXX, XXXX of {$470.00} USAA REFUSED ME STATEMENTS CARD ending XXXX. USAA REPORTS FRAUDULENT DEBT and Collects on ID THEFT see attatched XX/XX/XXXX.