23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency- an alleged computer protection agency - will send me a email stating- this looks like a previous complaint. NOW get this- if this agency ever did anything to act and correct the problem there would be no need for another complaint but this is the season we are in. HELLO! Yes my score went down again on incorrect and dated information and their posting of 4 inquiries from one car dealer, which the state of Florida allows you to do to SHOP- otherwise how can you? Yes they send you an alert and the alert says - get this - DUH - CURRENT XX/XX/2018 HUM what month are we in? XXXX HUM OH sorry! to the date a negative happens its RIGHT IN THE REPORT- immediately but they are current on old balances and information without recourse! Now do you who may read this actually think they care? And they that work for them- '' I'm only doing my job. '' Now they will ask me what I would like as a resolution HA, HA, HA, HA, HA, HA SORRY. Just opinion by experience. After all they only report what the lenders give them - two months late. OH Well XXXX it up!
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's have added fraud alerts / security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts / freezes Without my phone number these are useless. Please sent me proof the I requested the alerts / freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.
Product: Bank account or service

I 'VE BEEN HAVING ISSUES WITH MY WELLS FARGO ACCOUNTS FOR SEVERAL YEARS NOW BUT EACH TIME I HAVE CONTACTED A WELLS FARGO REPRESENTATIVE ABOUT MY ISSUE I NEVER GET A ANSWER THAT I 'M COMFORTABLE WITH. I 'LL CHECK MY ACCOUNTS AND I WILL HAVE A CERTAIN AMOUNT THEN THE NEXT DAY MY BALANCE WILL BE EXTREMELY LOWER THAN IT WAS THE DAY BEFORE, WELLS FARGO WILL ALWAYS SAY I HAD PENDING TRANSACTIONS THAT DID N'T CLEAR YET BUT I KNOW IT 'S NOT TRUE BECAUSE I KNOW I DID N'T SPEND THAT AMOUNT BUT IT WAS NOTHING I COULD REALLY DO BUT EXCEPT WHAT THEY TOLD ME WITHOUT ANY SOLID EVIDENCE. THIS HAS BEEN HAPPENING FOR YEARS NOW AND IS STILL HAPPENING TODAY. I FIRMLY BELIEVE WELLS FARGO IS STEALING MONEY FROM MY ACCOUNTS BUT THERE IS NO WAY I CAN PROVE THIS WITHOUT A THOROUGH IN DEPTH INVESTIGATION AND EVIDENCE.
Product: Debt collection

I am XXXX XXXX XXXX and im submitting this complaint myself and there is no third party involved. I XXXX XXXX XXXX XXXX, consumer, natural person, and original creditor of a checking account with J.P. MORGAN CHASE NATIONAL CORPORATION SERVICES , INC. d/b/a CHASE. XX/XX/2020 CHASE BANK furnished a fraudulent report. Due to this fraudulent report I have not been able to open a bank account or get a loan during these hard times. I was notified of this transgression of my rights, specifically 15 USC 1611 ( 1 ) 15 USC 1692 ( j ) - The Truth in Lending Act, I as a natural person possessing open end credit transaction plan was harmed by J.P. MORGAN CHASE NATIONAL CORPORATION SERVICES INC. d/b/a Chase adverse action taken against my rights, of which the civil damages pursuant to code 15 USC 1611 ( 1 ) are up to { {$5000.00} } civil damages pursuant to code 15 USC 1692 ( j ) are up to { {$100000.00} }.
Product: Payday loan

I INITTIALLY TOOK OUT A XXXX DOLLAR PAYDAY LOAN WITH XXXX INTEREST PAYMENTS EVERY TWO WEEKS. ON THE 4TH PAYMENT I DID A PRINCIPAL REDUCTION PAYMENT PLUS INTEREST. XXXX PLUS THE XXXX. WAS TOLD THAT THE PAYMENTS WOULD BE LOWERED. THEN WHEN I CALLED TO FIND OUT WHAT THE NEW PAYMENT AMOUNT AND/OR PAY WOULD BE I WAS TOLD THAT I WOULD STILL BE CHARGED THE XXXX NO MATTER WHAT THE PRINCIPAL WAS PAID DOWN TO.. WHEN IN TO LOOK AT MY CONTRACT AND IT HAD BEEN REMOVED. ASKED FOR THEM TO SEND ME A COPY AND THEY WOULD NOT.EVEN THOUGH I WAS TOLD THAT MY PAYMENT WOULD BE XXXX I WAS TOLD THAT TO PAY THE LOAN OFF I ONLY HAD TO PAY XXXX INTEREST AND THE THE XXXX REMAINING PRINCIPAL. AND THAT I SIGNED UP FOR XXXX PAYMENTS OF XXXX ... AND IF I DIDNT PAY IT OFF, EVEN THOUGH I HAD ONLY MADE XXXX PAYMENTS I WOULD NOW OWE ONLY XXXX PAYMENTS OF XXXX TO PAY THE LOAN OFF.
Product: Student loan

From to XXXX to XXXX I was not enrolled in an income based repayment plan in a loan from Navient, which in my opinion would have been the optimal choice for repayment given my income situation during those years. There may have been better options than the aforementioned but I was steered towards deferment and during those years had a total of {$4600.00} of interest capitalized in the loan. I believe there was inadequate explanation on loan policies and repayment options. This financial strain has not only impacted my life, but now the lives of the people I provide for including my wife and daughter. On my current repayment plan I will have pay over {$20000.00} dollars on a loan in which the original borrowed amount was {$9900.00} to which I have already payed over {$8500.00}. I called Navient recently and asked for help to which the only answer I received was that I needed to pay off the loan.
Product: Consumer Loan

On   XXXX   XXXX   XXXX   I got a non-secured personal loan with  XXXX   XXXX  /  Onemain Financial.  Over the next couple of years every time I was going to be late on my payment they had me refinance my loan. The dates that I refinanced my loan is as followed   XXXX  ,  X/XX/XXXX ,  X/XX/XXXX  that I can find at this time. They told me not to worry about it just to bring {$100.00} and they would give me a check for {$96.00} and I would n't have to pay my loan until the next month. I did not know what I was doing as a  XXXX   XXXX   XXXX  girl. I did n't realize what they were doing was predatory lending. I feel that they targeted me since I did n't not know what I was doing at the time and would refinance with them when they would call and say " you are going to be late on your payment, you can just come in a refinance your loan. '' Eventually I was unable to pay my loan completely. what started out as a {$5000.00} loan ended up as a {$7900.00} garnishment. From this garnishment I was barley able to make my bills that I had at the time with my full paycheck. Once I was garnished for this predatory loan I had to change my tax withholdings just to be able to afford to eat and gas to go to and from work. As a result of changing my tax withholdings to survive, I ended up owing on my federal taxes both in   XXXX   and   XXXX  .
Product: Student loan

XXXX {$95.00} XXXX {$180.00} XXXX {$80.00} XXXX {$170.00} XXXX {$20.00}. 

These are payments I made on my student loans but then I received an email from aidvantage stating each payment has been reverse. Nothing has changed on my end. Been making payments successfully up to XX/XX/23.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. 

The CFPBs 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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX  : {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I obtained a copy of my credit report via XXXX. Problems occurred and I wrote XXXX and was given a phone number to get report. I got reports. On XX/XX/XXXX I sent a letter to Experian with a list of corrections to report number # XXXX report dateXX/XX/XXXX. On XX/XX/2019 I received another credit report # XXXX dated XX/XX/XXXX. It stated " you are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. '' Not True ''. None of the corrections in my letter were addressed. Trying to contact Experian by phone is impossible and their website has no way to contact to speak to anyone. This is in violation of the Fair Credit Reporting Act. I also sent corrections letters to XXXX and XXXX XXXX on XX/XX/2019. I have not received a response but assuming it takes more time. However, Experian sent a new report without responding to my request for corrections.
Product: Checking or savings account

Citibank informed me, as can be confirmed by listening to the call with their representative, that my pension direct deposit would be automatically returned to the issuing bank due to the closure of my account with them. Today, I reached out to verify that the direct deposit was indeed returned. However, the representative now advised that I need to contact the fire department to have the issuing bank submit a request for the funds to be returned. Alternatively, I could wait XXXX to XXXX days for the bank to send the funds directly to me. 

I'm confused by receiving conflicting information. My direct deposit was sent on XX/XX/XXXX, and this money is essential for my living expenses. As I mentioned in my initial complaint, I am a XXXX widow. This situation is deeply unfairits unjust that my accounts were closed to begin with, and that the bank didn't immediately return the direct deposit. I urgently need assistance with this matter.
Product: Debt collection

I am filing this complaint against Columbia Debt Recovery LLC Dba Genesis because they have violated my rights as a consumer and failed to respond to several demands for resolution. They are in willful violation of the FCRA and they clearly have no desire to act beyond evading responsibility. I have given them ample opportunity to resolve these issues. These incorrect files are having a severe impact on my credit bureaus and XXXX scores. This inaccurate information is preventing me from moving forward with several financial plans. I have sent letters to the credit bureaus and to them specifically on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX with no results and with no response. They are engaging in plausible deniability of the following issues. 

For the time I lived in the apartment complex from XX/XX/XXXX to XX/XX/XXXX we had multiple leaks from the roof that came into our apartment. We notified them about it, but they never came out to handle the issue, so we kept facing it, so it started to cause peeling on walls and mold to grow in our apartment. When we went to the front office to talk to them about the continuous situation & amp ; how to handle it for the final time, we concluded that they would let us off the lease with no charge due to the inconvenience since we arent liable for the leaks coming from the roof.
Product: Credit card

Dear CFPB, I am writing to file a complaint against Chase Bank regarding an overcharge charge on my credit card. 

On XX/XX/year>, I was traveling by train in XXXX. Due to a malfunctioning ticket machine and a closed ticket office, I was unable to purchase a ticket before boarding. Upon inspection by train staff, I was issued a fine of XXXX XXXX  for not having a valid ticket. I agreed to pay the fine and provided my credit card to the conductor. 

However, I later discovered that my credit card was charged XXXX XXXX, which is the equivalent of a ticket for XXXX adults. Upon reviewing the receipt, I noticed that the " AD '' section, indicating the number of adults, had been marked as " XXXX. '' I was incorrectly charged for XXXX people, despite only being a single traveler. 

I initiated a dispute with Chase Bank as soon as the charge was posted. On XX/XX/year>, they provided me with temporary credit. However, on XX/XX/year>, Chase denied my dispute, citing a receipt from XXXX XXXX XXXX  that contained irrelevant annotations. 

I subsequently sent a letter and a fax to Chase requesting a reopening of the dispute. On XX/XX/year>, Chase once again denied my dispute, providing no additional explanation or reason for their decision. Despite my XXXX repeated attempts to contact Chase by phone to provide further information and clarification, they have failed to reach out to me. 

I believe Chase 's actions are in violation of my consumer rights and the Fair Credit Billing Act. I kindly request that you investigate this matter and take appropriate action to resolve this dispute. 

Thank you for your help and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has on my credit report date open from XXXX XXXX on XX/XX/XXXX but first reported on XX/XX/XXXX and 72 months fin but on the other loan that was transferred open XX/XX/XXXX but first reported XX/XX/XXXX 72 months in which the loan was not finance on 72 or 73 months it was 60 Months There was no {$2000.00} written off as stated on my credit file. And  how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with Trans Union there is a charge off of {$1900.00} XXXX showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XX/XX/XXXX delinquency 120 days but closed XX/XX/XXXX last payment made XX/XX/XXXX XXXX closed out Loan as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
XXXX XXXX does nothing but report wrong information and has all different amounts of years showing on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has gone over and beyond to lock access to my Equifax ID, discriminate against me several times & while I am in a security freeze is failing to take accountability for their bad dispute/reporting procedures
Product: Credit reporting or other personal consumer reports

I have previously sent disputes regarding this issue numerous times. This issue is really causing me to have significant emotional distress. Experian and XXXX XXXX XXXX is failing to truly investigate and validate the information that's in my consumer report. It is illegal for the bureaus to report an active payment history when the alleged account is a charged off account. This inaccurate information falsely manipulates the statute of limitations. Their negligence has violated my rights. I AM DEMANDING A DELETION IMMEDIATELY! 

also, the alleged account states that it went into delinquency in XX/XX/XXXX. How is that possible when the original creditor ( XXXX ) was paid in full the month of XXXX of XXXX. Experian is NOT doing its due diligence and reporting correctly on my consumer report. 

DELETE ACCOUNT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling XXXX, XXXX, and EqualFax explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing it.
Product: Debt collection

This debt collector did NOT confirm that NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX is a debt collector for you are now in violation of the Fair Debt Collections Practices Act by not disclosing in your initial written letter that you are a debt collector collecting on a debt and that any information obtained will be used for that purpose ( 15 USC 1692e ( 11 ) ). Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including you, NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX who has decided to infringe on my personal privacy to communicate with I, the consumer, without my prior consent pursuant to XXXX XXXXSC 1692c ( a ). Proof of violations of the Fair Debt Collections Practices Act attached labeled as Exhibit A.

Pursuant to 15 USC 1692a ( 3 ), I am the consumer because I am the natural person allegedly obligated to pay any debt.

Pursuant to 15 USC 1692a ( 6 ), NATIONAL COMMERCIAL SERVICES CALIFORNIA COLLECTION AGENCY, is a debt collector because you use interstate commerce or the mails for the purpose of collection of any debt. 
Due to NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX fraudulent actions, this constitutes as aggravated identity theft for knowingly, possessing and using, without lawful authority my identification with intent to commit unlawful activity which is a direct violation of Federal Law and felony pursuant to XXXX8 USC 1028 ( a ) ( 3 ) and 18 USC 1028A ( a ).

Pursuant to 15 USC 1692c ( c ), I am notifying you, NATIONAL COMMERCIAL SERVICES CALIFORNIA COLLECTION AGENCY, in writing that I, consumer, refuse to pay this alleged debt, and I am demanding that you Cease and Desist all forms of communication with me through all mediums, ie ; email, text messages, phone calls, consumer reporting agency or any other forms of instrumentality of interstate commerce or mails permanently. 
Pursuant to 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} per violation and you are in violation of XXXX Federal Laws which equal to the sum of {$10000.00}. NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX did not confirm they are a debt collector and have failed to comply with the Fair Debt Collections Practice Act ( 15 USC 1692 ) may be held not only civilly but criminally liable for any actual damage sustained in your attempt to extort me if you violate this CEASE AND DESIST!
Product: Credit reporting

Between XX/XX/XXXX and XX/XX/XXXX I filed a CFPB. And I had a carloan account with XXXX XXXX XXXX XXXX that open in XX/XX/XXXX, however they reported that I was 30 days late on the last payment of the car. The 30 day late payment was removed when I filed a CFPB, however the 30 day late payment has been put back on my credit file.
Product: Mortgage

This is a continuing problem from my last complaint. My home was foreclosed on by XXXX, but it is being actually pursued by SPS, a servicing company that inherited it ( although there are no documents to support this ) from XXXX. I continue to be jerked around in their loss mitigation process. I submitted the final documents in my application for home retention on XX/XX/XXXX. Since that time, I have followed up with their customer service numerous times, most recently being Friday, XXXX XXXX, XXXX. Even though their website status continued to indicate that I still owed them documents, every conversation with their customer service reps indicated that they had all the documents necessary and were moving my package into status to be reviewed. However, there is a foreclosure sale set for this property for XXXX XXXX, XXXX. As of XXXX XXXX, there was no indication that the lawyer representing SPS had been requested to submit a motion to stay the sale. I called again today, XXXX XXXX, XXXX, and went to the Ombudsman 's office instead of regular customer service. I was told that because a XXXX tax return was missing signatures ( my first time hearing this, and they 've had that document since XXXX ), my package had been closed and denied. When I informed her that I recognized this as yet another runaround, she indicated that the package had " expired on XXXX XXXX, XXXX. '' I asked what that meant, since I had submitted all documents before that date, but they continued to erroneously indicate that some were still missing, and she said that the notes do indicate that I called in and SPS located the documents. She then told me that the lawyer had been notified to file the motion to stay the sale on XXXX/XXXX/XXXX, and that as soon as they got notified that the sale had been stopped, they could reopen my file and actually evaluate it for options. In the past, the attorney has waited until the last minute to file stay motions, and even then, they only ask for 30 days, even though it clearly takes more like 90 days to work through the loss mitigation options, any necessary appeals by me, etc. I 'm about to crack under the stress and pressure. It 's affecting my work, my job and my home life. How can these servicing companies get away with treating customers so poorly and illegally? Will you please intervene as you have before, and insist that they request the stay of the sale, and postpone it for at least 90 to 120 days to give us time to work out any loss mitigation options?
Product: Checking or savings account

I need to know about why wasnt the {$1000.00} unauthorized withdrawal refunded back to me that happened while I was incarcerated I showed prove of that smh and this bank keeps ignoring that part as well. I deserve some type of reimbursement Talk to XXXX XXXX at the XXXX location please # XXXX XXXX XXXX XXXX was the investigator I should be reimbursed that {$1000.00} I had nothing to do with these transactions I didnt approve any of it this is not right Look into XX/XX/year> transactions from someone named XXXX XXXX ( {$1000.00} ) I need to be refunded that money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student affiliated loan that is governed by Navient. I understand that Navient is either going through a huge class action lawsuit and or it is or has completed the class action lawsuit. I was contacted several times by representatives informing me and assuring me to go into a forbearance status so that they could offer me steps to have my loan removed and or reduced. During the conversations which took place in XXXX, XXXX and in XXXX, I continued to make payments but was always sidetracked into the amounts and the possibilities of having my loans reduced and or removed. While trying to focus and manage these loan conditions, some payments were either missed and or fraudulently reported to the three credit bureaus. Currently I am on a forbearance again and I have to contact a representative to provide certain information to Navient so that they can lower my payments. I believe that I am a victim of fraud and corruption with this company.
Product: Checking or savings account

USAA closed my checking account without my knowledge or written consent. I expressed on multiple occasions that i am currently experiencing financial hardships yet they had no remorse. USAA violated the following : Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 49 USC 306
Product: Debt collection

I called Synergy Consulting Services and explained that this should have been paid by XXXX and or 2nd Ins. and they said they couldn't do anything except to collect from me as it was now in collections. I called the XXXX XXXX that sent the bill to them and they said it was sent in error. It took many phone calls to follow up, making sure the account was cleared but in the mean time they reported it to the credit bureau and won't send a letter withdraw the derogatory statement or put send a letter explaining it was an error.