23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a 15 month, 0 % promotional rate " Supercheck '' for my credit card from Wells Fargo in the mail. I placed a balance on the card for a large purchase around $ XXXX. A few months later I used the card to make several purchases and was informed ( on the phone by a Wells Fargo representative ) that I only needed to pay the minimum balance and the total amount for my purchases ( not including the XXXX percent portion ) in order to avoid any interest charges. I did this for a few months until I realized I had been receiving interest charges upwards of {$40.00} each. So I called up Wells Fargo again ( XXXX ) and spoke with a representative that also gave me incorrect information. In addition, I learned that my payments were being split up between the XXXX different balances in an unpredictable allocation percentage. One month could be XXXX, the next could be XXXX ( which was roughly the case ). In the meantime my purchases on the higher interest were growing exponentially ( and so was the interest ) because the allocation of my payments were going largely towards the 0 % interest loan. I was directed to speak with a supervisor ( XXXX ) whom informed me of this. After XXXX practically did nothing for me except drop the interest for 2 of the several months I was charged, he informed me that the only way I could avoid more interest would be to pay off the entire balance ( 0 % interest portion and the purchases ). The reason was because there was no way to tell how my next payment would be allocated. I was directed to speak with another supervisor, XXXX, who told me the same things and kept saying things that were completely irrelevant. After a while it seemed like she got the point that Wells Fargo was screwing me over. She promised to have her supervisor, Georgia, call me on Wednesday ( XXXX ) but I received no call. 

My major complaint here is about the Credit Card Act of 2009 that states in section 164 : '' ( b ) APPLICATION OF PAYMENTS. -- ( 1 ) IN GENERAL. -- Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of theminimum payment amount first to the card balance bearingthe highest rate of interest, and then to each successive balancebearing the next highest rate of interest, until the paymentis exhausted. " In addition, the terms listed on the Superchecks state : " Your minimum payments will be applied first to lower APR balances before higher ones. Payments in excess of the minimum payment will generally be applied to balances with higher APRs first ''. Now the " generally '' I assume applies to the general statement in the Credit Card Act because there is the exception in part ( 2 ) that refers to deferred interest balances in ending within two months. 

This is unacceptable customer service, deceiving, stealing, appears to be illegal, and mal-business practice. In addition to being held accountable for such, Wells Fargo should also be held accountable for the information representative give. 

Note : all my payments are on time and in excess of the minimum payment plus the purchases of that month.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report I realized that there has been unusual activity. Found that there has been at least XXXX unrecognized/unauthorized hard inquiries on the XXXX main credit bureaus ( Experian, XXXX, XXXX ) .This were made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit card balance for XXXX wras {$480.00}. Due to a typo I only paid on {$460.00}, A finance charge on the {$20.00} short pay was charged for {$2.00}. After calling the company that charge was forgiven. On the next statement for XXXX I paid the balance due of {$370.00} on XX/XX/XXXX. Yet on XXXX first they charged another finance charge of {$2.00}. They called it a residual charge going going back to the XXXX statement. I don't think this justified and out rages. Except for the one error we have never not paid our monthly balance on time.
Product: Bank account or service

My bank processed the same check twice, causing an overdraft. Then they charged me a fee for the overdraft.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes through banking, 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. 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
Product: Credit reporting or other personal consumer reports

I have been calling and making complaints to mortgage solutions about the handling of my mortgage reporting to the three credit bureaus. They sent me a payment history saying that it is reported on my credit, which was not a credit report but a payment statement. Today the XXXX of XXXX I was told that Mortgage Solutions is not responsible for reporting, I was told by a manager that it is the credit bureau not reporting. I have made complaints to the credit bureau about the false reporting and nothing has happened. This none reported information has hurt us financially as we dont qualify for loans because the reporting is wrong. This is not fair as an American trying to survive in this economy.
Product: Credit card or prepaid card

Spoke to customer service today XX/XX/2021 to discuss Barclays decision to end the UBER VISA credit card product, which I currently have close to {$50.00} in unredeemed rewards and may be forced to lose them.

Facts : 1 ) BARCLAYS BANK has made the decision to end UBER VISA credit card product ( https : //onemileatatime.com/news/uber-credit-card-discontinued/ ) 2 ) I have earned {$50.00} in " UBER CASH '' rewards for my account ending XXXX UBER VISA CARD. 
3 ) I DO NOT ACCEPT my account being transitioned to a different credit card product that is not UBER VISA. Which BARCLAYS BANK is forcing me to do in order to obtain my {$50.00} rewards. 

Given that BARCLAYS BANK has made a decision to close/discontinue my credit card product where I have already earned rewards of {$50.00} and pending rewards for this current month. BARCLAYS BANK should NOT force me to transition to a new credit card product with subpar benefits much less than my original UBER VISA product benefits ( cashback categories, etc ). 

I do not accept the terms forced upon me by BARCLAYS BANK decision to terminate my current credit card product - or give up my rights to my earned rewards of $ XXXX - I have explicitly requested BARCLAYS BANK to " cash me out '' on my rewards and close the account at the end of the billing cycle - while moving my {$11000.00} revolving credit line to my other barclays account AAdvantage Aviator ending in XXXX
Product: Debt collection

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The collection account with SYNCHRONY BANK was an account that was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. The account was sold to XXXX XXXX XXXX in 2019. I have filed an identity theft affidavit, which is attached. Synchrony Bank acknowledged this and deleted the tradelines from my CRA reports. I have also attached documentation attesting to this fact.
Product: Credit card or prepaid card

I have a Citi credit card had a balance transfer I call the credit card company to file a fraud dispute they say is nothing I can do because it was sent to XXXX  XXXX account, I explain to them I don't have XXXX  XXXX bank account checking or saving personal account
Product: Debt collection

MY NAME IS XXXX XXXX I REPRESENT XXXX XXXX AS I HAVE POWER OF ATTORNEY IN MY MOTHERS CASE DUE TO HER XXXX SHE HAS XXXX AND XXXX  .THIS COMPLAINT CONTAINS NEW INFORMATION AND DOCUMENTS RELATED TO MY MOTHERS OWNERSHIP OF HER HOME, LAW ENFORCEMENT REAL ESTATE FRAUD QUITCLAIM DEED FRAUD CRIME REPORT AND AGGRAVATED IDENTITY THEFT .IN RESPONSE TO A CLAIM BY CHASE BANK INVESTIGATORS I DEMAND A RESPONSE WITH DOCUMENTED EVIDENCE AS TO HOW THEY DETERMINED THAT THE QUITCLAIM DEED IN QUESTION IS NOT A FORGED DOCUMENT NUMBER XXXX XXXX RECORDED ON XXXX XXXX? WHEN IN FACT DETECTIVE XXXX XXXX OF THE COMMERCIAL CRIMES DIVISION OF THE XXXX WAS NOT CONTACTED BY CHASE BANK INVESTIGATORS AS HE IS THE DETECTIVE ASSIGNED TO THIS CASE NUMBER XXXX! FURTHERMORE DETECTIVE XXXX XXXX SAID ALL 3 DETECTIVES ASSIGNED TO THIS CASE ASSERT THE FACT THAT THE QUITCLAIM DEED NOTED ABOVE IS A FORGERY BASED ON THE STATEMENTS RECIEVED BY 2 OF THE DETECTIVES GIVEN BY THE NOTARY XXXX XXXX WHO STATED IT IS A FORGED DOCUMENT BECAUSE HE WAS NOT A PARTY TO THIS DOCUMENT TRANSACTION AND HE NEVER MET MY MOTHER XXXX XXXX SHE DID NOT APPEAR BEFORE HIM, HE DID NOT HAVE HER CALIFORNIA IDENTIFICATION INFORMATION NOR WAS THIS TRANSACTION LISTED IN HIS LINE ITEM SEARCH OR HIS LEDGER, DETECTIVE XXXX XXXX SAID THAT CHASE BANK INVESTIGATORS ARE FREE TO CONTACT HIM IN REGARDS TO THIS MATTER AT XXXX.FURTHERMORE THERE IS THE ISSUE OF THE FACT THAT CHASE BANK HAS NOT PRODUCED THE MORTGAGE NOTE OR THE SERVICE AGREEMENT FROM THE ORIGINAL NOTE HOLDER GIVING THEM THE RIGHT TO COLLECT MONTHLY PAYMENTS .SO I DEMAND TO KNOW WHAT FINANCIAL CLAIMS CHASE BANK HAS TO MY MOTHERS HOME AS THEY ARE NOT THE LENDER THAT PAYED OUT THE 2 LOANS IT IS WASINGTON MUTUAL BANK !!! CHASE BANK CAN NOT COLLECT ON A PHANTOM DEBT .I SUGGEST CHASE BANK INVESTIGATORS ALSO LOOK INTO THE FACT THAT IN CALIFORNIA FILING FORGED OR FRAUDULENT DOCUMENTS IS A FELONY REFER TO PENAL CODE 115 FILING A FALSE DOCUMENT DUE DILIGENCE IS REQUIRED TO FIND OUT WHO FILED THIS FRAUDULENT QUITCLAIM DEED AND THE FRAUDULENT GRANT DEED DOCUMENT NUMBER XXXX XXXX DATED XXXX XXXX .CHASE BANK INVESTIGATORS HAVE NOT BEEN TRANSPARENT ABOUT THEIR INVESTIGATION NOR HAVE THEY PRODUCED ANY EVIDENCE OF HOW THEY MADE THIER DETERMINATION.ITS OBVIOUS CRIMES HAVE BEEN COMMITTED AND THE TITLE IS CLOUDED.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 MONTHS REPORTING LATE 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. 

This company 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 1002 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: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I would like to confirm the payment history and status of the account : XXXX XXXXX Balance {$3400.00}. As I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation of this account and update for legal and lawful accuracy. Please investigate the way this account : XXXX  XXXX XXXXX Balance {$410.00} ; reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy.
Product: Checking or savings account

On XX/XX/XXXX I requested that Chase Bank pay my rent via their online payment services by mailing the check to my Management Company. 
The check was not received by the landlord. 
Chase Bank credited my account for the full amount while they investigated. 
I reissued a new check for the full amount. 

Upon review I saw that the original check had in fact been cashed, however it was not endorsed and therefore should never have been allowed to have funds released against it. It was also made out by CHASE to the landlord corporate account. 

Chase then sent me an email on XX/XX/XXXX saying that they had finished their investigation and that the check had been issued as per my instructions!! This is absurd. My rent was NOT paid to my landlord as instructed. Chase then reversed the credit and DEDUCTED the full amount from my account. 

I submitted another complaint and I am now told after hours of phone calls, Chase visits to the local branch and major anxiety that the check was cashed by a XXXX XXXX and that CHASE had released the funds to XXXXXXXX XXXX I in turn must wait 30 - 90 days while Chase request that XXXX XXXX reimburse them the full amount and only then can I get my money back from Chase. 

I told the representative that I don't understand why am I out of pocket because of fraud that has been allowed to be committed by TWO banks ... XXXX XXXX and Chase both banks allowed an UNENDORSED check to slip through their systems and yet I am the only person who is paying for the mistake. 

I have been blown off by the bank, ignored and frustrated by their lack of customer service and understanding in this matter. They even refused to credit my account again until they recoup the money from XXXX XXXX as they tell me this is a different kind of claim from the initial claim. Even though NONE of this is my doing. 

I really hope that they are hold accountable for the fraud committed with their help. 

I am at a loss. 

I hope you can help me recover my months rent asap. 

I am interested to see if anyone else has been put in this position. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This complaint will be my follow-up to my prior complaint.
Product: Student loan

I was in administrative forbearance from XX/XX/XXXX to XX/XX/XXXX. Fedloans forgot to apply it and then when I called in XXXX they put it retroactive But they submitted a late payment En XX/XX/XXXX and damage my credit. I send letters and they state we reported you before we apply the forbearance. And even when u forbearance was approved previously in XXXX, we cant fix the credit report. 

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

I'm a victim of identity fraud, my identity and personal information was used to fraudulently open accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment is incorrect and needs to be updated on all 3 reports consistently. Have filed disputes with credit bureaus but still shows wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts that have been repeated with the same account numbers and i have asked several times for account to be removed. Very old accounts also
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$670.00}, Bankruptcy XXXX  XXXXdismissed Filed on XX/XX/XXXX Reference number : XXXX, Bankruptcy XXXX  XXXXdismissed Filed on XXXX XXXX, XXXX Reference number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 car payment is showing XXXX days late on my credit report. I checked my account and I paid {$480.00} on XX/XX/XXXX and {$480.00} on XX/XX/XXXX. I have never been late since I have had an auto loan with Prestige. This is reporting inaccurately and I am requesting this payment be changed to Current, as I have been on Auto Pay since XXXX to ensure payments are made promptly.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Chapter XXXX XXXX DateFiled/Reported : XX/XX/XXXX XXXX  XXXX XXXX DateFiled/Reported : XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Filed /Reported : XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXXXXXX XXXX AV XXXX, CA XXXXXXXX XXXX XXXX : {$0.00} Chapter XXXX XXXX DateFiled/Reported : XX/XX/XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

THE FINAL PAYMENT OF {$120.00} FOR CASE FILE # XXXX TO RAUSCH STURM LLP ON BEHALF OF XXXX XXXX XXXX XXXX. 
THE PAYMENT WAS SENT VIA PRIORITY MAIL ( XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX ( XXXX ). THE MONEY ORDER WAS CASHED BY RAUSCH STURM OR XXXX XXXX XXXX AS OF XX/XX/year>. 

AFTER COMPLETING THIS PAYMENT, MY ATTORNEY ADVISED ME THAT THE COMPANY RAUSCH STURM LLP WOULD SEND ME A SIF LETTER 10 DAYS AFTER THE COMPLETION OF THE PAYMENT TO SENT TO ALL CREDITORS TO UPDATE MY CREDIT FILE WITH EACH BUREAU THAT THIS INFORMATION HAS BEEN REPORTED. THE SIL ( SETTLEMENT IN FULL ) LETTER HAS NOT BEEN RECEIVED FROM THIS CREDITOR MARKING THAT THIS ACCOUNT IS NOW CLOSED AND SETTLED AS AGREED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i disputed these items to XXXX XXXX  and transunion and they have not removed this items and have not validated them and undr 15 usc section 1681i ( a ) XXXX -XXXX   XXXX XXXX XXXX acct XXXX showing collection of XXXX. XXXX acct number XXXX chaged off XXXX. XXXX XXXX XXXX XXXX showing XXXX all incur-rate info needs to removed they failed to provide the name address and contract bearing my signature and they are causing me harm my name is XXXX XXXX my social is XXXX XXXX XXXX my date of birth is XX/XX/1969
Product: Mortgage

At XXXX on Friday, XX/XX/2021, Chase contacted me and stated that the mortgage auto-payment had been shut off by me, which I never did, and that the payment was now 36 days late. I immediately made the payment, and the representative assured me that all would be corrected with the credit bureaus and that autopay had been reestablished. When I followed up asking for confirmation that this had been completed, I was told by the service center that I had never had auto-payment established and that the late payment credit bureau reporting would not be removed. When I documented that I had, in fact, established auto-payment, they came back with the fact that while I had established auto-payment, I had also turned it off. I never turned it off and never received any communications that the autopay had been deactivated. After elevating multiple times, I was never able to make any progress in getting the issue resolved.
Product: Debt collection

A collections account from Receivables MGMT Corp # XXXX appeared on my credit report that I didn't recognize. After my research into this account, this account is not mine and is fraudulent in nature. I have never conducted business with this company or creditor. I have notified the credit bureaus and have sent in the id theft report backed by the FTC. This fraudulent adverse account is harming my credit files and I demand this account be removed immediately from my credit files by Receivables Mgmt Corp # XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging 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. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I was charged too many over draft fees on my checking account.
Product: Checking or savings account

I was unable to get money from my account. My inability to get access to my own money completely wasted an entire trip and thousands of dollars in travel expenses. How is it possible that a bank can unilaterally just keep my money? They never even said it was a fraud issue, they simply didn't want to give me my own money beacause it violated their rules. How is it that I worked XXXX decades and can't even spend my own hard earned money? Seriously, XXXX?