23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My one month IRA CD at US bank matured X/XX/17. On maturity I had the money transferred to my Fidelity account, my financial mgr at Fidelity handled the transaction. After transfer, on XX/XX/XXXX I received a copy of the IRA Distribution Form and it stated that an administrative fee of {$30.00} has been deducted from my account. <P/>Today I called the bank to question this fee. The bank mgr told me that it is legal because it is in writing in small print on the US Bank notification form. I read the small print and in there only stated is a {$25.00} early withdrawal fee plus penalties. This does not pertain to me, I did not do an early withdrawal, my cd was transferred when matured. <P/>Therefore I think I should not be charged this fee.
Product: Credit card

I make extra payments every month XXXX. On due date XXXX before statement closing date XXXX. OR on the closing date before the time is up CitiGroup/Bestbuy Visa is not applying the extra payments for the billing cycle in an effort to wrongly charge me more interest than what should be charging me. 

They are stealing thousands in interest that should not be there.
Product: Credit reporting or other personal consumer reports

XXXX  account in collection. This is not my account account it says I opened in XXXX which I have is untrue I have not opened an account with XXXX This is not my accounts or account was opened fraudulently!!
Product: Checking or savings account

It was roughly XXXX of last year when my XXXX was hacked and my bank account ( Chime banking ) was stolen. The thief stole {$500.00} from me. I contacted Chime and didn't hear anything for seven months. I repeatedly called and called all seven months and submitted a form to them to dispute the {$500.00}, and even made a police report. Chime tells me that they see nothing wrong happened, there was no evidence of a scam or hack and closed the problem. Despite me sending screenshots of a conversation on my account I assured I never had and proof of them stealing money. A few weeks ago, with {$200.00} still in my account, Chime closed my account. And I have yet to see that {$200.00}.
Product: Student loan

I can not pay my loans the day they are due due to having other bills due that are more important ( rent, utilities, etc. ). I have explained t his to Wells Fargo for the last two months, and have asked that they stop calling me. They told me they have to call me. The most I got was a seven da y call stop after I told them the earliest time I could pay. On  XXXX / XXXX / 17  I receive d four  calls from them between  XXXX  and  XXXX , and the next day is when I asked them to stop calling me.On  XXXX / XXXX /   17  I rec ieved five calls from them. I can not do anything about not being able to make my payments when they are due, and while I have not pursued the option of changing my due date ( in part because when I call it has never been offered ), I have tried debt consolidation with them and they will not consolidate it.I get the calls on my mobile phone and most of the calls come in while I am at work, when I can not take calls, which I  have explained to them as well.
Product: Debt collection

CC : XXXX, XXXX, XXXX Third party debt collection means charged off and is now considered a certificate of indebtness. 1099C cancelation of debt. This now means this income and income can not be reported to my credit report. 

Please remove from my credit report. 

Account Procollect INC XXXX
Product: Mortgage

This is a complaint against Loan Care and XXXX XXXX mortgage servicing company. 
Loan # XXXX Subject Property Address XXXX XXXX XXXX # XXXX XXXX, RI XXXX This is a predatory loan that originated in XX/XX/XXXX where the neighborhood in which the subject property was targeted by lenders that resulted in massive foreclosures and ruined lives from XXXX through XXXX. 

Subject property appraised and qualified for a loan as a " condominium '', in XXXX, said condominium was one of two units in a flipped two family home. 

Subsequently, the owner of the second unit was foreclosed upon by their bank and I purchased the unit out of foreclosure, thus, becoming the owner of the entire property. 

Over the years, due to the collapse of the real estate market due to the foreclosures, I was unable to sell either " condominium '' property because of the deeded use. I had requested from XXXX XXXX/Loan Care to change the deeded use from condominium to multi family to enable me to sell the property. 

The original loans for one condominium meant that I was stuck due to the acceleration clause in the mortgage document, with no way to effectively change this. The change of deeded use would have benefited both the owner/assignees of the mortgage loan, as well as me, the borrower. 

XX/XX/XXXX/Loancare failed to fulfil my request, but rather, clearly as a course of normal business, spent months intentionally creating difficulty for me to proceed with the selling of the home for the highest and best use ; which would be a two family home. 

I complained to the Division of RI Banking about the issue. XXXX XXXX/Loancare responded to the complain on two occasions, and on both occasions lied, claiming that they had ordered an appraisal and were waiting for it. 

I requested the appraisal from XXXX XXXX/Loancare via their website. The appraisal that was sent to via email attachment was from XXXX, not the appraisal that XXXX XXXX/Loancare claims to have ordered last year. Copy attached with screen shot of the email from XXXX XXXX/Loancare to which the document was sent to me. 

I also requested the HUD 1 settlement. The HUD 1 settlement that was sent to me via email attachment, was from a property whose owner is called XXXX XXXX, address - XXXX XXXX XXXX, XXXX XXXX  FL XXXX attached with scree shot of the email from XXXX XXXX/Loancare to which the document was sent to me. 

I attempted to log into the XXXX XXXX/Loancare website to request the documents again, and found that I have been locked out. 

I was damaged by {$30000.00} because of the loan servicing company operators that Fannie Mae chooses to use over the years, who fail to invest sufficient revenue into their servicing operations which result in lying, making mistakes and intentionally created roadblocks and difficulties for consumers. 

This failure, caused me to sell the property at {$30000.00} less than market value, by taking a cash offer that would not require an appraisal and therefore, the deeded use of two   condominiums was not a factor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report. It has been well over thirty days and I have not received any investigation results.
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. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that Zelle had 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 card or prepaid card

XXXX XXXX has been calling my family members, including my grandmother, uncle, and my uncles ex-wife, multiple times trying to get information about me, even though they have my address and phone number and I have talked to them several times. In the times Ive called, Ive asked them to please stop contacting my family members ; their response : we are allowed to contact anyone we want in order to get in contact with you. It doesnt make sense and is illegal to contact others if they have my information and are in contact with me. They keep calling my family members, telling them details including the fact that I have a credit card with XXXX XXXX that is in collections and they threaten me with legal action if my family members dont pay or provide information about me. They tell my family members to tell me I am going to be in legal trouble if I dont call. Ive called them several times to tell them I am unable to pay! Yet they still harass my family members. It needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently spoke with a Trans Union customer service agent in regards to 5 hard inquiries that were added to my report without my authorization. Last time I check my report was on XX/XX/XXXXand they were not there.

He never provided me options to eliminate these inquiries.

He are the ones I need to be eliminated : 1- Inquiry- XXXX - from XX/XX/XXXX 2- Inquiry-XXXX XXXX XXXX - from XX/XX/XXXX 3- Inquiry-XXXX XXXX - fromXX/XX/XXXX4- Inquiry-XXXX XXXX - fromXX/XX/XXXX 5- Inquiry-XXXX- fromXX/XX/XXXX
Product: Mortgage

On XXXX XXXX, XXXX, I got a letter from Nationstar saying I was 8 months behind. The XXXX XXXX, mortgage payment was credited back to my bank account. They XXXX said, I have not paid since XXXX XXXX, then they said, they were missing XXXX, each time I have provided my pay history of payments. Then they said, XXXX missing. I have review pay history and did not find XXXX payments missing. XXXX said, I was not behind prior to sending my loan to Nationstar. I have sent XXXX payments between XXXX XXXX, XXXX thru XXXX XXXX, XXXX. The last XXXX payments have not posted to my account. I have called and spoke to a different person each time. I was in a XXXX from XXXX until XXXX XXXX. During that period I did not get any notification of missed payments. A rep at XXXX advised that they received a payment from trustee in XXXX XXXX, and they returned it to the trustee since my loan is with Nationstar. Trustee stated they do not see a returned payment and they had not information that my loan transferred to Nationstar. 
I believe there are funds that I sent to pay my mortgage that have never been applied to my mortgage. Also, I believe that the primary interest in Nationstar is to have me to refinance the loan. I am not interested in refinance. I will pay whatever I owe. But, I want all funds placed on my account, if I sent a payment in that have not applied to my loan. 
I would like to pay on their website as soon as they free up my loan account to allow me to pay online. I would consider auto bill pay on their website but, again, my loan is not allowed to use that service. I would like to have an individual assigned to help with resolving all of the issues with my account so that I can may the normal monthly payments. 
I filed XXXX to pay my creditors. I was discharged after 5 years of paying ch XXXX in XXXX XXXX. Now, I want to increase my credit score and remove any negative data from my credit report. In good faith I have attempted to work with Nationstar and XXXX to resolve any issues with my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to XXXX, transunion and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S code 1681a - Definitions ; rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information of a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning XXXX such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a credit reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete the investigation.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is charging nearly $ 2K for ambulance rides that were paid off by XXXX and XXXX XXXX XXXX.
Product: Debt collection

Last year I saw XXXX ad about reenforcing my XXXX XXXX major with them. I was promised a " one to one '' communication with an instructor to learn how to code XXXX  Apps. Through them, I applied to a loan on XXXX. 

On XX/XX/XXXX, I uploaded my first assignment to be graded by the instructor. It has not been graded yet ( XX/XX/XXXX ). I have been restlessly calling, emailing, sending texts to them, without any answers. 

I believed that by now, I would be working as an Android developer with their help. Instead, I ended up in debt, with constant calls from collection agencies, and with the lowest credit score.
Product: Vehicle loan or lease

The vehicle was purchased with an extended warranty that should have covered the drive train. I reported an issue the the transmission and they said the issue was out of the scope of the warranty. This problem later led to mechanical failure of the vehicle. I informed them that I was not going to continue to pay for the vehicle but it was useless unless they would warranty the damage, they refused therefore I surendered the car back to them and it has since affected my credit negatively
Product: Bank account or service

I got a receipt today at TCF Bank which was very, very deceptive.The available balance included my overdraft protection account, BUT NO WHERE ON THE RECEIPT DOES IT STATE THAT THIS BALANCE INCLUDES THAT ACCOUNT.It is so easy to see they are trying to rip people off, as they will mistakenly believe more money is available than they actually have, and will overspend and get charged fees and a high interest rate on money they think is theirs.Anyone who has already overspent because of this egregious deception should be reimbursed immediately!!! ( the XXXX and XXXX will surely be most victimized ) TCF Bank should be ashamed of their unlawful business practices and I hope a lawsuit is on the way.
Product: Consumer Loan

My sister needed a vehicle for work the auto dealership said her credit was n't strong enough and that she needed a cosigner to help, I agreed. 
The auto dealer first ran my credit through several of there lending institutions causing several hard inquires to my credit report. Now my credit report shows the purchase and or new auto loan as if I am sole obligor, is such the case when cosigner.
Product: Credit reporting or other personal consumer reports

I demand that these companies verify these items and mail me the investigation results with the procedures they took for the investigation
Product: Debt collection

The accounts reporting on my credit report with XXXX XXXX are fraudulent and need to be removed off my credit report, i have never done business with the companies they are attempting to collect on, i have attached a fraud affidavit as well as the response from XXXX XXXX confirming these accounts are not mine and would be deleted off my credit file, please remove the accounts in collections with XXXX XXXXt off my credit report, see attached Fraud affidavit along with response from XXXX XXXX
Product: Debt collection

My name is XXXX XXXX not a XXXX party! DO NOT SEND ME A COMPUTER GENERATED TACTIC OR I WILL SUE. Account number XXXX DATE XX/XX/year>. My Consumer rights and protections have been violated according to title 15 USC 1692. My privacy has been invaded along with the privacy act has a consumer has a right to privacy and not a privelige. According to title 15 USC 1692b a debt collector can not state that a consumer owes a debt. XXXX agency has been reporting a fraudulent debt to XXXX which has been very damaging to me and my family in our pursuit to purchase consumer goods, They have been contacting me a federally protected consumer about an alleged debt without my consent. 
XXXX has been reporting a fraudulent debt that was a result of an identity theft on my consumer report which has been very damaging to my reputation and has hindered my ability to extend credit and enjoy the pursuit of happiness. Under title 15 USC 1681 an inaccurate and unfair credit report directly impairs the efficiency of the banking system and undermines the public confidence which is essential to the continued function of the banking system. I REQUIRE THE FRAUDULENT account on my consumer report from XXXX XXXX in the amount of {$2800.00} be deleted immediately. A debt collector can not use false and deceptive means in connection with a debt such as the false representation of or the character amount or legal status of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per CRA dispute in XX/XX/XXXX with the following USPS tracking numbers XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and XXXX Disputed Item Number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX numbers and XXXX Disputed Item XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX numbers and TRANSUNION Disputed Item XXXX 15 U.S. Code 1681a - Definitions ; rules of construction Even though the above CRA reported all disputed items were 100 % accurate, I believe most information and investigation process was one-sided and not fully in complaint per the following ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Since15 U.S. Code 1681a states clearly that " my consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '', then it means that most of these information are not accurate and should therefore be classified as inaccurate. With not prejudice, my CRA investigation and information obtained from one source, especially creditors is not accurate. 

Question ( s ) to the above CRA : How was the investigation conducted Who did the CRA spoke to How do you know these information is accurate per cyber security bridges and gaps where my information had been compromised and notified by the Department of Personnel XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I got approved by JP Morgan Chase Bank for an auto loan for a XXXX XXXX in XX/XX/XXXX and managed to maintain monthly payments for 2 consecutive years even though I had losses my employment in XX/XX/XXXX due to injury sustained on the job and was unable to regain employment because of my XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX on my way to Florida for my XXXX hearing the car was repossessed in the state of Georgia where I was left stranded and struggled to figure my way over into Florida. I made contact with the bank following day about how I could take care of the payments owed and was told I have to pay all remaining balances to include wrecker, repossession and all other fees, I was unable to do that or else the car would have been paid off instead of repossessed, the car was then sold in XX/XX/XXXX I learned and XXXX I was reported to my credit as charged off and my the account was closed as it was now profit and loss write-off in XXXX and has be reported to my credit every month since then, I tried to dispute it and the bank denied the claim, I reached out to them and requested that they stop reporting it on my credit as they have filed losses with the IRS and requested my 1099C tax form and the agent acted as if they have no knowledge of my account but in XX/XX/XXXX I received a letter from them making attempts to collect the remaining balance or It would be reported to the IRS a 1099C tax form will be issued, I am yet to receive that document to date.
Product: Debt collection

On XX/XX/2019 my son was ill and treated in the ED. I had started a new job and was in a 30 day window of no insurance. The ED bill was {$4200.00} and was swiftly transferred to collections in a very short time. The collection agency has contacted me a few times. Today they contacted me and refused any payment plan short of {$100.00} a month which I stated I can not afford. I explained the financial hardship Ive experienced with the loss of a job back in XXXX and am just getting stable again. The representative told me if you dont pay, then our attorney Mr. XXXX will contact your employer directly to collect the money. I stated do not make empty threats to me. You can not contact my employer to take money without a court order. The representative replied Im just telling you what our attorney will do. And then promptly hung up on me. The agency refuses to work with me on a payment plan and is now threatening to take illegal actions.
Product: Debt collection

This is the second complaint against this company. In the last CFPB complaint they claimed they were going to delete - which they did not and also updated the account on my credit report as valid. I have retained an attorney to handle but I do want the CFPB to re-review and audit this agency and their procedures as they blatantly LIED to the CFPB
Product: Money transfer, virtual currency, or money service

I sent a XXXX scammer some money through XXXX, they never delivered on their side of the agreement. I tried to have the transaction stopped by PNC IMMEDIATELY AFTER I sent the money and realized the sale was a scam but PNC REFUSED to even open an investigation before the funds were delivered the next day. I filed a police report ( attached ) later in the evening. The following day I contacted PNC and they initiated the claim. They said they would investigate the transaction and that they would be contacting the other bank scammers bank ( XXXX XXXX ). A few days later I received a letter saying that my claim was denied and there was nothing I could do. I asked them if there was any way they could shut down the scammers account and PNC said that was up to XXXX XXXX. They also said I should contact XXXX to retrieve the money since it was through their service. XXXX XXXX will not discuss another account with me because I'm not their customer. I've tried contacting XXXX but they will not speak to me since the transaction was filed from my bank and said I should resolve the dispute with my bank. PNC and XXXX seem to be pointing the finger at each other. Bottom line : XXXX doesn't take their security seriously and PNC doesn't care about it's customers or trying to stop fraud before it happens.