23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I 'm trying to refinance my mortgage ( currently with Freedom Mortgage ) and the title company has been unable to get a payoff quote in a timely fashion. I called myself to get XXXX and they are charging me {$30.00} to get a payoff quote. How is that in any way legal? That 's the only way to payoff the loan and they are charging for it? It 's an extremely predatory practice that needs to be stopped.
Product: Credit reporting or other personal consumer reports

I asked these credit reporting agencies to stop invading my Privacy via the Privacy Act of 1974 and they have refused to comply. XXXX, XXXX and TransUnion are all reporting negative items on my report further committing Defamation and Emotional distress to my life and credit report. 

These are charged off items which are now income as the bank has already completed their 1099 processes and are continuing to report this on my account. This is illegal to even report and they are continuing to violate the law.

I am a federally protected consumer. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to opt out of the sale or disclosure of my personal information pursuant to 15 U.S.C. 6802 ( a ) ( 1 ) ( B ).
Product: Credit card or prepaid card

This is in regards to my Chase Sapphire Reserve credit card account ending in XXXX. On XX/XX/2020 I was billed the annual membership fee in the amount of {$590.00}. 
I was actually expecting to receive a {$100.00} statement credit on my account as it had been publicly disclosed that due to the COVID-19 pandemic, Chase was offering a {$100.00} statement credit to Reserve cardholders to make up for the loss of travel benefits on the card due to the impact of COVID ( as the travel lockdown worldwide has prevented consumers from using the travel benefits ). I then sent a secure message to Chase on XX/XX/2020, kindly requesting to receive the aforementioned {$100.00} statement credit on my Reserve account ( please see attached message with my inquiry and the reply from Chase ) as my travel benefits on my account had been seriously impacted by COVID-19 since XX/XX/2020 up to date. The reply I received from Chase ( see attached message ) disregarded my claim stating that the {$100.00} statement credit only applied for Reserve accounts renewed during XXXX through XX/XX/2020. I think this makes nonesense considering that all Americans have been seriously impacted by COVID since early XXXX up to date, especially in regards to the ability to travel. In addition, California, my home state, has been particularly hit by the general lockdown that was declared in XXXX. It is not under discussion that COVID has seriously impacted Americans ability to travel since XX/XX/2020. 
The Chase Sapphire Reserve card includes mostly travel benefits ( Priority Pass membership, XXXX, 3x points on travel, {$300.00} annual travel credit, etc. ). COVID has then impacted seriously the ability of Reserve cardholders to make use of the travel benefits of the account for over a quarter so far. Considering that the annual membership fee is {$550.00}, the prorrated amount for one quarter would be {$180.00}, so requesting a {$100.00} statement credit is actually not that much, but a little help to the consumer. 
My Reserve account was renewed in XX/XX/2020 ; there is no doubt that I have been seriously impacted by COVID on my ability to make use of the travel benefits of the card since XX/XX/2020 up to date ( for over a quarter so far and still counting ). For this reason, it does not make sense to me that Chase is only extending a {$100.00} statement credit to Reserve cardholders that are renewing their accounts from XXXX through XX/XX/2020. This should have been instead a retention offer to prevent those consumers from canceling or downgrading their accounts. There is no doubt that consumers who had the card renewed in XXXX like myself have been impacted as much as those that had their card renewed since XXXX and for whom the {$100.00} statement credit is automatically extended. Therefore, I am again kindly requesting Chase to do the right thing and extend me the {$100.00} statement credit on my Reserve account to partially offset the impact of COVID-19 on the travel benefits of the account since XX/XX/2020.
Product: Credit card

I had a balance of {$310.00} remaining on my account to be paid before the end of XXXX. It was paid by the end of that period and should have been paid with my payment on XX/XX/2023 of {$310.00}. I put it in for payment for arrival before the due date stated of the XXXX. 

On XX/XX/2023, I initiated another convenience check for {$1000.00} as it advertised to give me a year to pay it off with 0 % interest for 1 year from the date of use ( with 5 % fee ). 

When I received my statement, I realized that Citibank had applied my payment to the newly established balance that was to be paid in the coming year and NOT to the prior balance that needed to be paid in order to receive the 0 %. It was now incurring interest. 

I called Citibank, XXXX XXXX XXXX  ) to ask that this error be corrected. The customer service rep told me it was not a mistake, that was how they did things. She was hard to understand and hard to hear and said she could not call me back. I asked several times to speak to a supervisor and finally got a person who told me it was not right, would be corrected within 9 days and I would NOT be charged interest. So after long holds and many transfers, I hoped for the best. 

I then get emails from Citibank ( XXXX XXXX, XXXX  ) that indicate this is not so, but might be after reviewed and should be taken care of. They also called and I relayed what their reps had stated about it would be taken care of, that no interest would be charged and their normal procedure it seems if no one complains and can't be deterred. I also let the person I spoke to on the telephone know that my issues were not with their customer service phone personnel who only responded as they were able, but were with the executives and policy makers at Citibank. 

This all seems fraudulent to me. If no one complains they get XXXX XXXX  from many because of it. Even complaining they don't seem to comply. I do not understand why it was not immediately resolved as it seemed an error on their part. 

To date, I get emails when I inquire on status, but no resolution. I checked today as I have a new statement and it shows interest charged on the balance that should have been paid with my payment. 

I have a number for my original email from Citibank ( XXXX ) if it is helpful.
Product: Debt collection

They repeatedly call my cell phone and my place of employment i have asked them not to call my job and they keep calling i had told them i will pay them this payday and they say they need it before that i have tryed to work out a payment plan with them and they are persistent on getting the money when they say i have been unemployed and havent had the money to pay them and i am 100 % that i will pay this debt i just started working and am only getting paid 2 times a month and they know this i am afraid if they keep harassing me at work they will cause me to lose my job
Product: Money transfer, virtual currency, or money service

PayPal refunded money to a customer that paid for promotion to just scam/refund their transactions days later. The id number for transaction is XXXX transaction took place on XX/XX/year> and the customer received promotion, I have proof & multiple screenshots from the conversation that proves the customer scammed me but PayPal allowed the customer to just file a complaint to receive a refund without providing any proof even when services was done for the customer. Then PayPal continued to take money out my account putting me in the negative and saying I owed them ( paypal ) now. Under the Fair Credit Billing Act they are committing friendly fraud and I have proof of this fraud being committed. The Electronic Funds Transfer Act is used to protect consumers from financial losses caused by fraud. The customer didnt provided a legal valid reason for disputing the charge nor did they provide evidence that I scammed them and I even provided evidence of a legitimate transaction that was actually made.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX AND XXXX  ARE REPROTING FALSE INFORMATION IN WHICH THEY ARE GETTING FROM CREDITORS, THESE ARE THE COMPANIES ARE REPORTING FALSE INFORMATION ARE INCORRECT INFORMATION XXXX. XXXX XXXX XXXX XXXX KICK OFF 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 XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX A FRAUD ALERT WAS ADDED TO MY ACCOUNT ALSO THIS WAS AUTHORIZE. 

I AM A VICTIM OF IDENTITY THEFT AND ALSO A VICTIM OF DATA BREACH
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full to NATIONAL CREDIT ADJUSTERS , L.L.C upon full payment the account will not be reported to the credit bureau after being paid in full it was still reported and I asked XXXXXXXX to remove it and they have not done so. This gos against my rights. XXXX will not let me dispute it.
Product: Bank account or service

On XXXX/XXXX/2015, I closed my bank account in person at the XXXX, IL location for Fifth Third Bank. 5/3 re-opened this account and proceeded to charge me upwards of {$900.00} in NSF fees, although I had closed the account in person. Any transactions that had come through were unauthorized and/or fraud. 5/3 failed to notify me by letter, phone call, or provided me with any statements indicating the account was overdrawn. In fact, they had blocked my online banking user id, so I was never even able to look at the account again after it was closed.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX date opened XX/XX/XXXX {$180.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$140.00} XXXX XXXX date opened XX/XX/XXXX {$310.00} The XXXX XXXX XXXX date opened XX/XX/XXXX {$670.00} inquiries XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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: Debt collection

On XXXX/XXXX/17 Grant & Weber XXXX XXXX threatened to damage my name and credit, then they falsely reported to the credit bureau damaging and attacking me and my wife 's credit even after I explain this was a derogatory account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent failure to remove charge-off accounts from my credit report despite numerous attempts to rectify this issue. 

Over the past several months, I have diligently pursued the removal of inaccurately reported charge-off accounts from my credit report through multiple rounds of dispute. Despite my efforts, the credit reporting agencies have failed to take appropriate action to correct these inaccuracies. 

The continued presence of these charge-off accounts on my credit report is severely impacting my creditworthiness and financial standing, making it difficult for me to access credit and financial opportunities. 

I have followed all required procedures outlined by the Fair Credit Reporting Act ( FCRA ) and have provided extensive documentation to support my claims, including evidence of payments and communication with creditors. Despite this, the credit reporting agencies have disregarded my requests for removal of these erroneous charge-off accounts. 

I request that the you intervene in this matter to ensure that the credit reporting agencies fulfill their obligations under the FCRA. This includes conducting a thorough investigation into my dispute, promptly removing any inaccurately reported charge-off accounts from my credit report, and providing me with a corrected copy of my credit report. 

Furthermore, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assisstance to remove these accounts in my credit file : XXXX  XXXX Balance : {$250.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting or other personal consumer reports

I have called, sent letters, tried online to fix since XX/XX/2020and have not had any luck. There is a " extended fraud alert '' on my credit report. I have sent multiple letters with information to verify my identity and they send letters back and ask what kind of alert i am wanting to replace. It seems like no one can read a letter clearly or remove the report from my credit. I have been denied auto loans, mortgages and other due to other companies not being able to verify the alert.
Product: Checking or savings account

I submitted a dispute on XX/XX/XXXX to chime bank after noticing several charges that were duplicate amounts I never authorized on the same days at the same exact times and was told I would receive provisional credit by the 10th day. On that day I received an email stating I would not be given provisional credit due to the types of charges I was disputing and that within 30 days I decision would be made on my disputes. Okay fine whatever I can live without the provisional credit. Surely my money will be refunded once they look at my claim as it's clear as day it was duplicate charges as no one can make several charges in the same exact minute right?? So I keep checking the app and inquiring about my dispute... .they tell me now that it will take 90 days to make a decision. Which. Again. Whatever as long as I get my money back. So then on XX/XX/22 I get an email stating that they concluded their investigation and I would not be receiving my money back. Just like that. No further explanation. So I respond to their email and request the documents used and the info on how to appeal as I am allowed the right to do under law. And I get a generic email back that they are forwarding my email to the disputes department and someone would be in touch. 2 days later i get a link to my supposed documents by email and I click on the link. Only to find out it's a " forbidden request '' and there is no documents attached to this link. I email them and tell them this. And once again request my documents ... .and then I once again get the generic message that it will be sent over and the dispute department will get back to me ... .followed by an email saying within 10 days I'll get my documents ... ... but yet still no documents. I'm guessing because a mistake was made and they dont have a reason to deny my claim afterall. I am getting a 3rd party involved because I have read over 2k complaints against chime for this very reason and am disgusted in its practices. They should be held accountable for their actions to steal people 's hard earned money and if nothing else. Should be following the laws set forth to protect the consumer who trusts their money to a financial institution. Those laws are thrre for a reason. I am a single mother with no support system. Unable to work right now and that was a lot of money my children needed. And they just stop responding to my requests when I call them out on stealing my money. Its sick. Wheres my money and/ or my documents chime????
Product: Mortgage

I made my mortgage current up to the date it was sold. I was promised that my credit bureau report would be updated to reflect it was current. I sold the home this last year, which was my ONLY way to catch up, and my credit still suffers because Wells Fargo has my last report as being 120 day late which is FALSE! They falsely lead me into such a dire situation that I ended up selling the home. They knew it and now I lost my home AND my credit was n't corrected per their promise. Wells Fargo has been an absolute predatory lending institute and I 'm glad it 's FINALLY being found out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer USA is obligated by the FCRA to report everything accurately to the credit bureaus. Why is a late payment being reported 3 different ways to XXXX, XXXX & XXXX? When i dispute it, they refuse to correct the information. The payment was not late. The way it was reported, it looks as if i have 3 late payments. Ive attached the images below. This is my 4th attempt in getting a solution from this XXXX  company. If you are obligated to report correctly, then do that. Why are my payments being reported differently based upon the credit bureaus? Are you intentionally trying to make it look like it was late 3 different times? So that you can make it look like you can tow my vehicle in the middle of the night? Ive disputed it 3 times. You refuse to fix the issue. This credit report was pulled on XX/XX/2020. This company is ridiculous.
Product: Mortgage

I was in a forbearance plan, with PHH MORTGAGE due to XXXX. I paid my past due in full, by the agreed upon date. I called in to the customer service to let them know, I was ready to come off the plan, and make the payment. They asked for my permission to make the withdrawal, and I agreed. Less than a week later, they made another withdrawal, without my consent! I called back to speak an account manager, and he stated, he was not sure how it happen. I also said it would take a few days for me to get me money refunded back to me.
Product: Mortgage

My partner and I opted for United Mortgage as our financial institution in order to secure a loan for the acquisition of a new residence. 

Due to unforseen events, we came to the realization that we would not be unable to financially sustain the ownership of this house. 

On XX/XX/23, me and my partner received an initial disclosure indicating a cash to be paid at the time of closing amounting to {$130000.00}, along with an estimated monthly mortgage of {$5700.00}. However, on the day of the closing, we were blindsided with an adjusted final disclosure, which stated that our new cash to be paid at the time of closing would increase to {$140000.00}, and our new monthly mortgage would increase to {$7000.00}. The significant disparity between the amounts disclosed on XX/XX/23 and XX/XX/23 led my friend and me to conclude that we simply did not have the means to afford this property with the additional expenses involved. 

We think that the property taxes should have been assessed in a way that more precisely represented the expenses and the ability to afford this house from the start of the agreement. The sudden alterations not only caused difficulties for my friend and me but also placed us in a situation where we feel compelled to complete a deal that we can not afford, or else abandon our sales contract and forfeit our {$10000.00} deposit. If these numbers had been revealed to my friend and me in a more prompt fashion, we would not have contemplated purchasing this house. 

According to the revised figures provided to us regarding the intended date of closure, we do not have the financial means to pay for the mortgage of this house. As a result, it is probable that we will be unable to make our initial mortgage payment and subsequent payments in the future. 

My friend and I request you to carefully examine the details provided as we suspect that the lender provided inaccurate and deceptive information with the intention of enticing us into this agreement. 

Thank you.
Product: Debt collection

On XX/XX/2023 I viewed my XXXX consumer report and found an account that was reporting and harming my creditworthiness as a consumer. On XX/XX/2023, I sent a notice of dispute to the alleged creditor pertaining to the information that was included in my consumer report. I used the address that was on my XXXX report and my certified letter was returned to me due to address not known. I am sending my notice of dispute here and have attached the letter that was sent. From CKS PRIME INVESTMENTS LLC, I am requesting any and all communication that was sent to be mailed to the correct address as provided in the attached correspondence to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report. The account in question is : Creditor Name : XXXX  XXXX Account Number : XXXX Reported Balance : {$5100.00} Credit Limit : {$5100.00} I believe there is an error regarding this account for the following reason ( s ) : [ Explain the specific issue, such as an incorrect balance, unauthorized transactions, or inaccurate late payments. Provide any supporting evidence you have, like statements, payment confirmations, or correspondence with XXXX XXXX. ] Under the Fair Credit Reporting Act ( FCRA ), I request that Experian investigate this matter and correct or remove the inaccurate information. Please provide written confirmation of the results of your investigation. 

I have attached copies of supporting documents, including my credit report highlighting the error, statements, and any relevant communication. 

Please resolve this matter as soon as possible. If you need any further information, feel free to contact me at the phone number or email listed above. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2022 I asked Aragon Agency inc. to send me the trilateral agreement I had with them. They said they didnt have one. I am reuqesting I be sent trilateral agreement I have to do business with Aragon Agency.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX