23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX/XXXX/XXXX I logged into my Wells Fargo account and saw that there was an overdue balance of {$27.00}. When I called, they said that they upgraded me to a XXXX XXXX card since I was a valued customer and that because of this upgrade, my payment increased to {$62.00}. They replied that I was suppose to " Opt out '' if I did not want this card. After much ado, they agreed that they would write off the {$27.00} and " downgrade '' my card but that I am still considered past due. I then asked if this would inpact my credit score and they said yes, it was possible. I did not charge anything and did not authorize an increase or upgrade. They should not be allowed to charge more money anytime they want and then say to the consumer that it is our job to " opt out ''. 

Why is a company allowed to upgrade me and charge me more money without my consent? This seems to be what got Wells Fargo in trouble to begin with. 

I have asked them to provide me with a letter so that I can send to the credit bureau since they said it most likely was reported as being a late payment. Someone is supposed to call me back from claims management. Ridiculous practice! 

Please review this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sync/banana / inquiry 2019 I do not know this account. On the above date listed I had just had major XXXX and was incapacitated.
Product: Debt collection

Debt popped up as zions debt holdings dated dec. XXXX for XXXX XXXX XXXX XXXX havent lived at no other address since XXXX and my house hold never used this service. Has no knowledge. Tried to reach out to them XX/XX/XXXX and was placed on hold and XX/XX/XXXX I was asked to hold on two separate occasions and the phone hangs up
Product: Student loan

I became permanently XXXX per the VA on XX/XX/XXXX. 
I applied and was approved for a student loan XXXX  discharge. This discharge had an effective date of XX/XX/XXXX. 
A payment was made to my Nelnet loan account on XX/XX/XXXX in the amount of {$11000.00}. 
I received one refund check ( with no correspondence or information included ) in the amount of {$4500.00} dated XX/XX/XXXX. 
My Nelnet and StudentAid accounts were marked Paid in Full on XX/XX/XXXX. 
As of today I have not received the remainder of the refund owed, {$7100.00}. 
I have called Nelnet multiple times and have been told they can not advise me. I have asked for timelines, if there have been determinations made, amounts, anything and I have not received anything. 
I was also told the Department of Education or US Treasury can not give me any information. I was told the timeline is anywhere from 90 days to YEARS. 
That is unacceptable in my opinion.
Product: Debt collection

I paid most of my debt but not removed after I despite and it show as bad
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm not reporting to XXXX that the loan was paid off on XX/XX/2022. Though it was reported correctly to XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX/XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX/XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I previously requested an investigation for the following accounts ; however, I have not received any information, and the errors listed below are still being reported on my file. It has been more than 30 days, which exceeds the time frame allowed for completing your investigation. 

Please note, I am NOT requesting verification at this time. Instead, I am requesting that my credit report be corrected, as it has been longer than 30 days. 

XXXX  XXXX - XXXX -This is an open and current account yet the date of last activity dates are all different and XXXX bureau reads last date of 2023 ; the high balance is reporting incorrectly, status reads 'in dispute ' meanwhile dispute status reads 'account not disputed ' and date of last payment is not reflecting correctly. Due to billing errors, please update to never late. 
XXXX - XXXX - This is an open and current account yet the date of last activity dates are all different and XXXX bureau reads last date of 2023 ; date of last activity is different for all three bureaus ; date of last payment is different for all three bureaus. Due to billing errors, please update to never late. 
XXXX XXXX - XXXX - This is an open account however XXXX reads positive with no lates, which suggests a billing error with XXXX and Equifax. Date of last payment are not correct. Due to billing errors, please update to never late. 
XXXX FUNDING - XXXX - I have never done business with this co. 
XXXX XXXX - XXXX - This charge-off account is inaccurately reporting a past due amount and delinquency after the charge-off date. A charge-off should not have a past due balance. Last activity dates do not match ; date of last payment do not match. Due to billing error, please delete this account. 
XXXX - XXXX - This charge-off account is inaccurately reporting a past due amount and delinquency after the charge-off date. A charge-off should not have a past due balance. Last activity dates do not match ; payment history does not match ; last reported dates do not match, date of last payment dates are all different. Due to billing error, please delete this account. 
XXXX XXXX XXXX- I should only have one address on my report and this is not mine. I have already asked for it to be deleted. Please remove.
Product: Student loan

Navient makes the process to change your repayment plan online excessively complex and unclear. Navient forces you to take a questionnaire and then " recommended '' two repayment options. I know the option I want ( flat repayment ) and yet it was completely unavailable. The issue was resolved via calling into the company, but I believe this lack of clear online repayment options, especially the inability to select the lowest total cost option ( flat repayment ), unethical.
Product: Checking or savings account

I requested a statement for funds verification which they neglected to provide in a timely manner resulting in delays - I had to speak to 5 people to get it ultimately delayed - I then submit a withdrawal wire transfer from my savings to my title company for closing - citi returned the transaction with no explanation- I had to call and be transferred to 16 different numbers and people without any answers I then spent over an hour with someone who supposedly fixed the account and I resubmit the transfer which the representative confirmed was successful - that same night all my citi accounts were locked and when calling the following day there was no one giving me any sort of answer regarding my transfer or why I couldn't access my account - when I have never had any issues logging into my account in several years. They will not release my funds- this is now the second delay in closing for my mortgage with the other lender caused by CITI this is a gross mishandling of my funds and the customer service is the absolute worst - so many numbers so many departments so many incompetent people who keep sending me elsewhere without resolving the issue. This is going to give me a XXXX XXXX this is unhealthy to my XXXX XXXX trying to get answers and being intentionally passed around into robotic dead ends. I WANT MY MONEY!
Product: Debt collection

TRS Recovery Services sent me a letter stating that a check that I had written at a local grocery store did not clear due to a stopped payment and they were collecting on this debt. I checked with the bank and the checked did clear and the bill was paid. I attempted to call TRS however they offer do not offer an option to talk with someone to resolve the dispute. The only option is to complete a form that requires you to provide bank routing numbers, account numbers, drivers license and social security number. I am uncomfortable with sharing this level of confidential information to resolve this issue. I have verification that the check did clear and the debt was paid I would like an alternative to resolve this. It appears as though there have been a multitude of complaints regarding this company 's business tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called TransUnion to have inquires removed that were not requested by me. I was told that I was unable to do so. After researching, I found that inaccurate information reported should be removed within 30 days if they are unable to validate it. I called TransUnion again today, XX/XX/XXXX and spoke to a rep that was found outside of the U.S. I again tried to dispute/delete the inquires that did not belong to me and the rep told me that I am unable to dispute or remove them for 2 years. I explained that it was inaccurate information that was reporting to my credit report and he again said that I had to wait 2 years for them to be removed. The rep then asked me if any of the collection accounts were not mine. I explained that I was not calling about any of the accounts listed as collection or open on my credit report and that I was calling because there were several inquires from companies I did not agree to or approve of. The following companies are those which need to be removed : XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX The rep refused to dispute or remove the inquires.
Product: Credit card

I was signed up by a salesman for XXXX XXXX XXXX but they never told me I was signing up for a credit card or that there would be a contract for the XXXX XXXX I just randomly got this credit card in the mail and they keep saying I agreed to it and I never did. 

I was told I would get a free security system not a terrible credit card with huge interest XXXX  and fortiva both refuse to help me they just say I need to pay them XXXX XXXXXXXX XXXX  for something I didnt even know about let alone agree to.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal pretend to do investigation on wrong business practice of company XXXX, XXXX. 
XXXX sent me wrong size shoes, and refuse to provide shipping label for the return if item. 
Then they offer 30 % discount, then offer to send another pair of shoes. 
Finally I filed claim with PayPal, but no investigation were conducted. My claim was denied next day.
Product: Credit reporting or other personal consumer reports

This account has inaccuracies. One is Reporting this collection with a past due amount. This is a report error. This is inaccurate and needs to be removed immediately. I sent several letters for this account to be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS, COLLECTIONS, AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY DIDN'T DO IT THE ONE ACCOUNT THAT THEY DID TAKE OFF THEY PUT BACK ON SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT
Product: Checking or savings account

On XX/XX/XXXX at XXXX there was an unauthorized charge on my account in the amount of {$30.00}. I disputed this with Chime. As the dispute process is going on, I received multiple calls from Chime Representatives. Since the dispute was active, I spoke to one of the representatives who walked me through a process to make my account more secure. However, this was a scam and I was scammed out of {$880.00} on XX/XX/2024 then immediately disputed this. However, the dispute was denied within XXXX hrs. I called them on XX/XX/2024 to see why it was denied or to see if anything could be done. This was my entire paycheck taken and I do not feel like anyone can help me or has taken this issue seriously. I feel as though this was an inside issue as the scammers knew that I was disputing the original {$30.00} and somehow got my contact information. Please help me.
Product: Mortgage

My Name is XXXX XXXX, i paid my loan mortgage on XX/XX/XXXX to Ocwen Loan Services, LLc., then on XX/XX/XXXX i received a letter in which they congratulating me for paying the loan, and they said that within 6 Months Ocwen will send the lien release document to the county courthouse in which the property resides. then i trust them and went along with Ocwen promise, then on XX/XX/XXXX, i try to get reverse mortgage to supplement my income i found out that Ocwen never file the lien release, i have been sending many letter to tree different departments, the last department, " title search department '' send me a letter saying that Ocwen hire a third party company to investigate this matter, so fare up to today Ocwen has not file any document to release the lien. 

After i start investigating turn out that Ocwen does not have any document from the original lender XXXX XXXX XXXX XXXX XXXX XXXX, that empower or hire Ocwen to be the loans servicer nor the collector for my loan, Ocwen claim that it was the responsibility of XXXX XXXX XXXX XXXX to file the loan Assignment, but Ocwen not even have any document from XXXX XXXX XXXX XXXX  entitle them to be the loan servicer or collector no my loan, and i know this for a fact, because i have been asking Ocwen to send me a copy of any documentation they have in which XXXX XXXX XXXX  XXXX empower Ocwen to service my loans, their response is that XXXX XXXX XXXX XXXX never send them the loan assignment, and as fare as they concern it was XXXX XXXX XXXX  XXXX to send them the loan Assignment, after i heard this poor scuse, i wrote Ocwen telling them that they should never service nor collect any money from me until they have all the documentation in order, because since they do not have any document authorizing them to service the loan, that was false representation, and they were breaking the federal law " Predatory Lending Law '', and the '' California Assignment and Satisfaction of Mortgage Law '' after I pointed these to laws to Ocwen, their repay was that Ocwen hire a third party to look and resolve my problem, so far nothing has happened. 

Also i did more research and i found out that XXXX XXXX XXXX XXXX is not longer in business, on XX/XX/XXXX XXXX XXXX XXXX XXXX declare chapter XXXX bankruptcy, and they were acquired by XXXX XXXX XXXX XXXX XXXX, and it was signed off by Judge XXXX XXXX of the US Bankruptcy, central district of XXXX XXXX California, even more, XXXX XXXX XXXX XXXX XXXX they do not keep companies, they buy them and they sell them piece by piece to different Investors, and of course the investors or the new company that acquire the division of real estate loans from XXXX XXXX XXXX XXXX, they probably do not have any records authorizing Ocwen to be the loans servicer or the collector for my loan. 

My loan is pay in Full since XX/XX/XXXX, but according to the county to the XXXX county there is no liens satisfaction recorded ( i still owe the all the money ), your help will be appreciated. 

Thank you XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 
XXXX XXXX, CA. XXXX email : XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraudulent reporting on my credit report with XXXX accounts and XXXX different credit report agencies. XXXX and XXXX. The accounts have not been validated or verified according to the laws that were cited. They refuse to remove them and the creditors also have failed to validate and verify the accounts. They can verify them but the validity of the debt has not been proven.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX CO ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$62.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; Chapter XXXX Bankruptcy XXXX XXXX Bankruptcy Court Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX ; XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

Chase closed my checking account after I deposited my payroll check from United States Postal Service on XX/XX/XXXX. 2023 and has not released my funds of {$1700.00}
Product: Credit card or prepaid card

I called and spoke to XXXX  customer representative on XX/XX/2021 and informed them that I havent received any statements and that the balance is incorrect because I havent made any purchases on this card in the last five months. I told them I need them to send out all the statements so that I can dispute these charges because they were fraudulent. The representative stated that I couldnt do that until they send out a new card I repeatedly told the representative not to send another card I wanted the account closed as of XXXX XXXX when I placed the call. They did not close the card the added XXXX fee to the card left the account open and opened a new card account took my auto payment off which caused a missed payment and they reported on my credit file. Which is totally wrong I never told them to stop my auto payment this has drastically affected my credit profile negative! They continued to report that the card was opened and over the limit because they added a annual fee of XXXX to an account that I asked to have closed immediately! 
The behavior and response from XXXX is horrible! 
My account has always been on automatic payments never ever a missed payment until they changed my card to that new card which I told them NOT TO DO!!! 
They have not given me any statements other than XXXX they gave me a claim department number and no one ever answers or responds to calls they gave me this name and number XXXX claim number XXXX however she never calls back about the claim this has ruin my credit during an pandemic when I need it the most .... unacceptable
Product: Credit card or prepaid card

I had to file a second claim for unemployment as many people did during the pandemic just to find out somebody else has controll of my personal info and has. Changed bank information phone number even address which was surprising because even i could not do so when I moved with out changing my address on the front of my cA identification card.needless to say i was very upset to find XXXX XXXX dollars of insurance benefits where siphoned from my cA. Benefits through the BANK OF AMERICA XXXX paid XXXX XXXX card finally after being able to prove my identity which wasn't easy luckily I had the assistance of a few case managers assisting me with other aspects of my life or i still would be getting taken for everything.now over the course of about a year getting the e Information that the bank needed to file the claims " correctly '' was very slow paced and frustrating now the bank after returning not even half of the money I feel they practically gave away .i Feel because it was re.lved in a way that should have been reflagged at some point thousands every other day i have control of the account now and still have to give personal info to a live. Customer service agent just to swipe the card in a store and second time to pay for parking and it gets locked for my protection so I'm safe from being able to get my car out of a underground parking lot of the store i just made purchases from up stairs but some how not from getting reimbursed for the money
Product: Debt collection

I attended University of XXXX 2005, withdrew from the school due to unprofessional instructors. The loan was refunded to XXXX XXXX by University of XXXX. XXXX XXXX now have my account and they have reported my account to all 3 bureaus deducted as much as 100 points from my credit score. Every month they keep reporting my account causing it to be negative. I have sent letters and documents proving that the loan was refunded/ They are wanting me to pay {$5400.00} for school which I did not attend plus interest. Please stop. This has going on way to long since 2005. I AM HAVING FINANCIAL HARDSHIPP AND HAS EXPRESSED THIS ON numerous occasions. 

Please stop reporting my account the loan was refunded and they have documents. 
Please I am begging that this stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 - My potential landlord ran my credit check on XX/XX/XXXX and shared the report. I see a fraud and identity theft on my account. I see an address that is not mine on my credit report and also see a collection charge of {$610.00} on my credit report. 

Disputing address on file XXXX XXXX XXXX XXXX, NJ XXXX Disputing Collections and {$610.00} charges on File Creditor Name : XXXX XXXX XXXX  I tried to report this dispute online through experian but I was unable to submit a dispute. Tried calling them at XXXX but was put on hold for more than one hour.
Product: Debt collection

Company never sent me any notice of collection of debt I check my credit report and seen it Dispute was made XX/XX/year> | havent received a response from company