23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been on the phone for 7.5 hours trying to get my credit report straighten out with trans union the information they have on my report is incorrect and they have people that can hardly speak English and I advised them there should be nothing pending on my report and they kept talking in jiberish that I could not understand and I advised them that XXXX XXXX plus dollars was paid off on the XX/XX/XXXX and should be closed out and they said it is not their responsibility to correct the problem I also contacted the creditors that were paid off and they said it is n't there problem to get it off my report so I am being held up on buying a home of about XXXX or XXXX items that show in collections that were paid off by my health insurance. I guess their purpose is to keep people from buying anything and not taking responsibility for their action I think this is criminal XXXX and would like this issue resolved that is why our country is in the shape it is in now and people are voting for someone who is not getting paid under the table to look the other way which I am sure you are also but I have stated my complaint and I believe that you all will just look at it as oh well just another complaint aint know wonder people are going nuts in this country I am beginning to see why just by dealing with it XXXX
Product: Credit card or prepaid card

The Comenity Bank/Comenity Financial Services website has been down now for over a week and nobody can log in and make a payment on their account ( s )- they have several stores in their company, of which I have ( XXXX ) store cards that are due on XX/XX/22, however, I am unable to log in. The same message appears that their site is down. It has been this way for over a week now, and now they are not even answering their phones. Their XXXX page ( XXXX XXXX XXXX ) is loaded with angry consumers, most of which are coming here to file a complaint. 

I just want to get my complaint on record in case they try to charge me late fees or any other wrongful fees due to not being able to access their site and pay my bill.
Product: Mortgage

My name is XXXX XXXX and my mortgage is with Wells Fargo. My account number is XXXX. WF is holding 2 months ' worth of my escrow expanses as a reserve which is currently {$910.00}. As i am under Proposition 13, my tax will not increase and my Homeowners insurance also is going to be less ... I have explained that and requested to lower my escrow reserve to be equal to one month escrow expanse or {$450.00} ... <P/>The request was rejected because what they have said is it is required to have Minimum 2 months of escrow payments as a reserve ... That is not correct ... The limitation is that they can not have more then 2 months of escrow payments as a reserve ... The 2 month is maximum that they can have.
Product: Student loan

My student loans started with Sallie Mae. They moved to Navient and my student loan is twice the amount I originally started with. I tried to work things out with them with the income driven repayment. I still couldnt understand how my loan doubled. I received an email yesterday on XX/XX/18 stating that they made a mistake in did not add capitalization fees and they are adding on fees and making my monthly payment higher. I was on the phone with Navient and they stated this happened to a lot of people. What I dont understand is I contacted the Federal Student aid to help me lower payments and interest two days prior and now its getting raised and the supposedly made a mistake. I tried to contact them for help today and they said there was nothing they can do. I told them I do not want to pay because I feel like I am getting screwed and they stated they can not take my payment off. What can I do!!
Product: Checking or savings account

OK I had gotten a check mailed to me by TTX RAILROAD CAMPANY that I used to work for and no longer work for it was a payroll check. I tried to do a mobile deposit and I had gotten a message stating that the checking only be electronically deposited so I immediately went to a ATM because the banks were closed. It was XXXX XXXX XXXX weekend holiday thanks were all closed, I deposited it into the ATM. The ATM gave me a double balance so I immediately called Chase bank and said I wasnt trying to deposit this check twice. I have gotten a message from the message center from you guys stating that I need to be electronically deposited thats all I was trying to do. Please dont close my lock my account down or anything like that. The lady assured me over the phone that everything would be OK because I called and everything will be fine so I go to the next day to see if the funds were available and of course they werent said it would be released on XXXX XX/XX/2023. I waited till then, and the funds were still not released. They restricted my account. My account has been restricted Since XXXX XXXX, I have called chase bank. I have complied with everything theyve asked me to do to have the company called them to verify that the check is mine mind you the check is a chase bank check as well so they know the funds are in there and they know that by now the time has lapsed that the company wouldve put a stop hole on it or anything if there was any funny business going on Ive had payroll, call Chase bank and they said that they cant except that because the number isnt registered so they have to call XXXX now mind you that company that does the payroll and everything is in XXXX. I live in Florida I no longer work for this company and Chase bank is still having my account on restriction I have called I have been on hold for hours with no resolve, they keep telling me theres nothing we can do. Theres nothing we can do and if I dont get this resolved, theyre threatening me with closing my account out and mailing the checks back to the issuer I know by law that they have a certain amount of time to release my funds and they are way over it, Im at a loss I really need some help here Im reaching out contacting you guys to please help and every time I asked to speak with somebody higher they made me make me wait on hold in while Im waiting on hold for hours the phone will just hang up and in the meantime, I have had from my second job, a payroll check being been deposited into my account and they have a restriction on that money as well. I have significant amount of money in my account and Im not able to get to my phones because they put a restriction on it. I called them and explain to him everything, they keep saying to the back of the house they go into a branch they say its the back of the house I would really dislike my phones to be released so I can take all of my money out of that account close it and wash my hands with a chase bank I shouldve known I shouldve never opened account with chase bank
Product: Money transfer, virtual currency, or money service

I am writing to formally express my express my concerns regarding Zelles handling process of disputes. Particularly in light of. The recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times. And reporting disc my financial institution failed to investigate my adequately. They informed me. That recovering loss funds was. Impossible and that tracking these. Transactions were unfeasible. The CFPB findings Indicate That Zelle has not only Neglected to protect consumers but has also allow repeat offenders to exploit the system leaving users, vulnerable of scam. This lack of trans and accountability is unacceptable and raises serious about consumer safety.
Product: Money transfers

Another consumer and I had a transfer with USAA. Where the other consumer transferred XXXX dollars from his account to mines and had me withdraw it and give it to him. Without me having any knowledge of me knowing that it was a scam. Then a few days later my account went into overdraft of XXXX dollars. USAA reported me to XXXX for mismanagement of my account. 
I feel that this is unfair because USAA should have not let the transaction go through if the other consumer did not have the legitimate funds. I paid of the debt and i was still reported to XXXX. and as of right now i am not able to do business with any other banks. i would like this issue to be taking care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending letters in regard to a bankruptcy that they claim has been verified by XXXX XXXX but the information they are reporting does not match the XXXX XXXX Report, XX/XX/XXXX,XX/XX/XXXXor Equifax report. I also looked on Pacer and none of the information matches. 

I don't understand how all this information is being verified but none of the information is being reported the same from any of the Credit Reporting agencies and I keep getting ignored by XX/XX/XXXXXX/XX/XXXX and Equifax and XXXX XXXX about this. 

Name My name has only been XXXX XXXX XXXX. XX/XX/XXXXhas a reported name of XXXX XXXX XXXX which is completely inaccurate and needs to be removed. 

Bankruptcy XX/XX/XXXX, XXXX, Equifax, XX/XX/XXXXand XXXX all have different Docket # 's All credit reporting agencies are reporting different Court names and addresses which do not match Equifax confirmation # XXXX dated XX/XX/20 investigation was incomplete and did not list any information for the Bankruptcy being reported. 

File for Equifax shows court name Federal - but no information was provided in the investigation results. Report was blank that was provided by Equifax in there investigation results provided on XX/XX/20. 

XX/XX/XXXX File # XXXX dated XX/XX/20 Bankruptcy Court XX/XX/XXXX US Bankruptcy Court with address XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX, FL XXXXXX/XX/XXXX Report # XXXX Dated XX/XX/20 US BKPT CT FL XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Reference # 's are different on all files XX/XX/XXXX XXXXXX/XX/XXXX XXXX Equifax XXXX and XXXX shows XXXX How can every reporting agency have different information. How can I not get an answer to any of the letters being sent to XX/XX/XXXX. Why was my report incomplete from Equifax. Why isn't XXXX XXXX telling me how they are getting this information if they clearly have not verified this information with anyone since I had to reach out to the court and have told me that they do not verify this information. So how can any of this information be accurate?
Product: Debt collection

XXXX I used a XXXX account in XXXX to buy books for college classes I was taking off of XXXX. After using the account to make the stated purchases, I discontinued using XXXX for any future purchases. The Credit Card linked to the account expired and was not renewed. XXXX XXXX, I was contacted by XXXX to discuss possible fraudulent activity on my account. XXXX representative stated a Laptop was purchased XXXX XXXX XXXX XXXX using my XXXX account from XXXX and shipped to an address in California. I was asked if I made this purchase. I stated that I did not make this purchase. XXXX recognized that my account had been dormant with no use since XXXX. They stated that this would be investigated and stated they would contact me with any further information. I was contacted a second time by XXXX stating they confirmed this was possible fraudulent activity and would cancel this attempted charge and apologized to me. I stated in both phone conversations to please ensure my XXXX account was closed so that no charges could be placed on that account. This was recognized and further communication was given to me stating that all charges would be removed and the account closed. I completed all phone conversations with them to process the charge for investigation of fraudulent activity. XXXX XXXX, XXXX I was contacted by XXXX stating that I owed charges for a purchase in XXXX of the stated laptop above. XXXX stated they attempted to contact me for dispute of the purchase, but was unable to reach me. I stated the charge and activities were inaccurate. XXXX stated they understood this, but I was still responsible for the charges. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692XXXX ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thanks.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts and overdrafts fees I have incurred.Despite having sufficient funds when transactions were authorized, I believe I was charged these fees due to a lagged posting of charges and credits this issue aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds these practices are unfair and would like to open an investigation into my account
Product: Debt collection

XX/XX/year> I communicated with the rental company I would like proof of damages they said happened for us to incur the debt thats showing. They stopped contact and would not send the information. We had no idea it was sent to any collection agency.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy. Here is the personal information I am asking you to correct because it is inaccurate and incorrect : NAME : XXXX XXXX XXXX DATE OF BIRTH : XX/XX/scrub>XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYERS :
Product: Credit card or prepaid card

American Express stole {$4100.00} from me on XX/XX/2022. I changed banks and informed American Express of this and to stop debiting money from my XXXX  XXXX account as I had switched to XXXX XXXX XXXX. I gave American Express my new account number and authorized a payment in full on the phone from my new account. Despite receiving the money, they still debited the same amount from the other account ( XXXX XXXX ), and said I needed to be patient to wait after spending 3 hours on the phone with them. They were unable to give me the money back they stole telling me I had to be patient and wait up to three days -- which would push this past XXXX XXXX. 

This is illegal. It is a financial crime and I have reason to believe this is widespread at AMEX. All the representative would tell me is " oops, I see where they forgot to update the ach information ''
Product: Credit card

I purchased a vpn box thru a website called XXXX On XX/XX/XXXX and of today I have not yet received my product. Paypal was contacted and claim number XXXX was open in which this was their response : Case ID # XXXX has been closed Dear XXXX XXXX, After further review of the claim you filed against XXXX, we have determined the issue you have described or the merchandise or service associated with this transaction is not covered by PayPal Purchase Protection. As a result, this case has been closed and we 're unable to take any further action. 



Transaction Details Case number : XXXX Seller 's name : XXXX Seller 's email : XXXXXXXXXXXX Seller 's transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : - {$250.00} USD Your transaction ID : XXXX For detailed information on what is covered by PayPal Purchase Protection, you can view the PayPal User Agreement, which you accepted when you created your account. Simply click Legal at the bottom of any PayPal page. 

Please note : Records of all cases are kept in the Resolution Center for your convenience. 

Sincerely, PayPal Copyright ( C ) XX/XX/XXXX-XX/XX/XXXX PayPal. All rights reserved. 

PayPal XXXX I feel Paypal has bypass somehow some banking agreements and has failed to recuperate my money while no goods or services were rended.
Product: Vehicle loan or lease

Dear CFPB, I am writing to file a complaint against Chase Auto Finance due to their threat of repossession of my XXXX  XXXX XXXX and their failure to acknowledge important documentation regarding my financial situation. 

1. **Threat of Repossession : ** Despite being aware of my identity theft situation, Chase Auto Finance has threatened to repossess my vehicle. This threat has caused significant stress and financial instability. 

2. **Ignored Documentation : ** Chase Auto Finance has ignored official documentation from my bank explaining account mismanagement issues that are beyond my control. This negligence has further complicated my financial situation. 

I request a thorough investigation into Chase Auto Finance 's practices and appropriate action to prevent unwarranted repossession. 

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

I am writing in regards to the hard inquiry pull from Paypal Credit on XX/XX/2017. As previously stated I have no recollection of thi ever applying for this form of credit and have even spoken to members of your customer service team that can find no evidence of me applying for credit with PAYPAL. Recently I chose to dispute this hard inquiry however, it is obvious that the response received was generic as I have personally reached out to your customer service department who had no record me ever applying for any form of credit from paypal. I implore you to do adequate research into my claim as this response has not addressed my concern! Please provide information regarding when I would have applied for this credit as well as what medium was used. The call center representatives I spoke to highlighted that they were unable to send a credit removal letter to the credit bureau as they had no record of the transaction being done. I am concerned about this constant run around between you and the bureaus because as stated before I have no recollection of applying for this form of credit! Please address my concern. 

I future elaborate that failure to positively verify these accounts has hurt my ability to obtain credit and note that I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.
Product: Credit reporting or other personal consumer reports

I reached out about reporting errors on all three of my credit reports via phone, and email. neither of the three companies, XXXX, XXXX, or Equifax have removed these errors. These are negative items. The companies gave invalid reason as to why these errors are not removed. They are violating my consumers rights. According to the 15 USC 1681, they are unfair.
Product: Mortgage

Axos bank stopped providing monthly statements 4 months ago and change escrow fees monthly, providing no real monthly set amount. They send unclear and misrepresenting accounting letters. Phone calls to bank go unanswered. This is a bank that is intensionally trying to make clients default on mortgages. After only 1 year and 3 months in, Im paying a penalty just to refi to another bank so I feel Safe.
Product: Credit reporting or other personal consumer reports

This item XXXX  is inaccurate because I have some progress and I am never been late I am requesting that this item be removed or correct the payment history. Please investigate this matter and delete or correct this account as soon as possible. You failed to investigate this account properly and your neglect has violated my rights. Again. Delete or update the payment history in a good standing. 

XXXX Account XXXX. : XXXX
Product: Credit reporting

Hi i had just recently turned XXXX XX/XX/XXXX and wanted to begin building my credit by starting a contract plan with XXXX. They denied me and sent me a letter informing me of my credit score : XXXX. I am not sure why is it XXXX because I have no payment history, never gotten any loans out or anything. I attempting to receive my annual free credit report from the XXXX credit agencies, annualcreditreport, creditkarma etc. In the third step of identity confirmation I am asked security question as to which credit agency or bank I got my supposed home, auto and school loan from XX/XX/XXXX. XX/XX/XXXX I was only XXXX years old and it is impossible that I have any loans, which then denies me access to my credit report ; it says they are " unable to retreive my report at this time ''. I have taken hours calling each agency bureau, the annualcreditreport, my bank XXXX and the consumer protection bureau. All of them have given me little to no insight. I had no other choice but to turn on a fraud alert on my credit report to be proactive if it is the case of an identity theft crisis and someone got loans in my name XX/XX/XXXX. Still no one can help me see my credit report that I have never gotten to see myself and no help from Experian to talk to a representative, its all an automated machine that had no option for assistance. I am left with my last hope of figuring out my credit status so I can fix it if needed or just understand how my score came to be, by filing a complaint to get a response and further guidance.