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

On XX/XX/XXXX my Chase debit card was fraudulently used to make a purchase from a company called XXXX XXXX I did not order or authorize this purchase. I called Chase Bank that same evening to report it. They canceled my debit card to send me a new one. Then they gave me a temporary credit while they review the claim the following day another charge from the same company for the same amount. I did not have sufficient funds in my account for this purchase because it was not me making the purchase, but Chase Bank authorized both transactions and paid it even though I had no money in there my checking account was overdrawn twice Chase bank gave me a temporary credit for that as well. on XX/XX/XXXX XXXX  XXXX  put a credit in my account of {$59.00} on XX/XX/XXXX chase bank reversed that credit and took it out of my account. They also reversed it and took it out on XXXX XXXX which left me with {$11.00} for food to last for a week I have been calling and working with Chase Bank for over 60 days to get this resolved. They will not give me my {$59.00} back. They said their review client of the claim showed that I had provided information to authorize this purchases I did not. I have had a meeting on the phone regarding this. I have called the claims department several times. They are not going to give me my money back was their final decision. Ive got mixed messages some that were not true from Chase employees. Chase bank said I would need to contact XXXX XXXX and deal with it myself they did give me a phone number which I called several times the number did not the call did not go through as the number was not a good number. This company does not exist. It was a scam. I need help getting my {$59.00} back. I know its not a lot of money but I live on XXXX XXXX XXXX XXXX and its important part of my budget. Thank you very much from XXXX XXXX XXXX XXXX
Product: Debt collection

These debts in reflected collections in my account are the result of an identity theft. 

Credit Collection Serv. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$730.00} tel. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX {$720.00} XXXX XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried unsuccessfully to unlock my credit report for over 1 week now. 
The credit reporting bureau I am complaining about is Equifax. 
I froze my credit report 1 year ago, at which time I was issued a PIN. 

I needed to apply for a medical loan, and can not get my report unlocked because Equifax stopped using PIN 's and instead requires a myEquifax account, which I did not have. Upon trying to create an account, I was directed multiple times to contact their Customer Care. The phone number is anything but customer care. 
It's a voice response system that appears designed to avoid letting you talk to a human being. 

After many attempts, I was given a fax number to send a form to making my request. 
48 Hours after submitting my form and drivers license/social security card information to their black hole, not only do I still have a locked report -- but I can't even sign in online. 

What a pain!
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX / XX/XX/2020 for 30 or 60 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

Even after I have requested the company to cease and desist all communication including furnishing the account to the consumer agencies which I deem as communication and upon further checking the account has not been removed. I have told this company I am not the correct person they are asserting me to be and the company failed to validate the account according to the FDCPA and is acting maliciously in its tactics. Furthermore, In the CFPB complaint the company has affirmed that it does not know if the account belonged to me and does not have information to show that this alleged account and debt belong to me. It is clear the company has no moral standing nor its representatives to follow the law or to do what is moral, legal and ethical. I have attach a photo of the company stating this. 

I have sent in letter requesting for documentation and I am still demanding the documentation of proof that they have a right to collect alleged debt and that I am the correct person which I know I am not. The company has failed to notify me properly, failed to provide any assignment of debt or forward flow agreement. After my initial complaint the company is now fluctuating the alleged debt up and down on consumer reports which I have no idea why.
Product: Mortgage

I was offered a  three mont h trial payment plan with bank of America. I made  all three pay ments on time per the agreement. Now bank of America has sent a letter stating that the loan modification has been denied because they can not verify my identity.??? I have to verify my identity each time I call them and I 've sent my identity information with all of the loan modification documents.     I 've owned my home since  XXXX     1999.
Product: Credit card or prepaid card

On XX/XX/18 we purchased a water softener system with local company that offered interest free for 6months a payments of {$35.00} for 3 years at 9.9 %. Supposedly on their home improvement card that turned out to be a regular credit card. The company sent a copy only after the unit was installed but I was shown an XXXX disclosure stating the terms. The purchase was {$3600.00}. It states that the finance charge will be {$3600.00}. Thats very close to 50 %. The term was NOT 3 years it was 12 years and the finance charge is the same amount as the purchase with total payments being {$8600.00} for a water softener. Very close to the amount of the purchase. The payments were not {$35.00}. There were laddered payments going up to {$60.00} until XX/XX/XXXX. 

We made minimum payments of {$35.00} during interest free period. When we received the statement after the 6 month period we were surprised to see that the amount owed went up not down. I called I was first told I didnt understand. My wife is a retired banker who is over XX/XX/XXXX. When the sales person found that out he arranged to put the transaction in my name. I would not have agreed to the terms if fully disclosed per regulations. My wife was present to see the approval. We received the full disclosures only AFTER the unit was installed. Turns out Greensky is a front for XXXXXX/XX/XXXX, an XX/XX/XXXX XXXX XXXX subject to federal lending regulations. 

14 months later the amount owed has gone down {$5.00}. I sent an email to customer service to Greensky customer support and requested an explanation of exactly how they were calculating the interest. I received a phone call saying they were happy to talk about it but they were not allowed to answer anything in writing. 

More recently I sent an electronic payment showing it was received the same day it was sent. They processed it for 7 days and then charged me a late fee requesting two payments. 

This company is not disclosing per regulations. It is cheating seniors and new home owners. The correct interest rate being charged is not 9.9 % for 3 year term. The idea that this term was changed to 12 years with altered payments by the time any written disclosure was issued is scary for any consumer. I urge you to take action. We would never apply to some undisclosed out of state bank disguising its subprime lending under a Greensky consumer finance company. I will be happy to send any documents requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX Balance : {$35.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$47.00} ; XXXX XXXX Balance : {$70.00} ; XXXXL XXXX Balance : {$70.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX  XXXX Balance : {$300.00}
Product: Debt collection

Starting XX/XX/XXXX until now ( XX/XX/XXXX ) I started receiving anonymous and threatening calls regarding an alleged past due amount owed on a checking account from Wells Fargo in XX/XX/XXXX. I have received numerous calls from XXXX XXXX XXXX with a court docket number and I called them back and was redirected to XXXX XXXX XXXX and was then told they are not handling case but could give me a summary. XXXX XXXX XXXX informed me that case was being handled from XXXX XXXX XXXX out of Texas. XXXX informed me of an address discrepancy as the reason why they could not deliver the summons to me personally and accused me of writing " bad '' checks and blatantly told me " I was living recklessly '' AND THAT I WOULD BE TAKEN TO COURT. They never informed me that " this was an attempt to collect any debt ''. This was settled and these agencies should not be contacting me at all. XXXX stated I had overdrawn a checking account for XXXX which is ABSURD! This was over 10 years ago and would like to do everything possible to stop these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Listed are some additional XXXX  accounts that violated my rights, 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: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXXXXXX XXXX - XXXX
Product: Checking or savings account

Fees for current month of XXXX is already at XXXX. Year - to Date fees is at XXXX i feel they are charging me outrageous fees.
Product: Debt collection

Hi There are two sperate collection agencies that trying to collect on same debt. 

Afni Inc and XXXX XXXX. I never heard of this debt.
Product: Mortgage

This VA loan originated with XXXX XXXX XXXX. 
Closing date ; XX/XX/2020 Disbursement date ; XX/XX/2020 1st payment date ; XX/XX/2020 Notice of servicing transfer to The Money Source on XX/XX/2020 noting that the transfer does not affect any of the terms or conditions of the original agreement. 
First statement account information includes my account number, property address, principal balance, maturity date, interest rate and escrow balance of {$1000.00}. 
XX/XX/2020 payment due $ XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX  XX/XX/2020 SAME XX/XX/2020 SAME XX/XX/2020 SAME Found out escrow account debited on XX/XX/2020 for {$770.00} for a homeowners insurance policy that I payed in full for on XX/XX/2020. This was verified on 3-way phone conversation with myself, Customer service rep. and XXXX  XXXX  rep. 
XX/XX/2020 mailed pymt {$780.00} Found out escrow account disbursed {$660.00} on XX/XX/2020 without any explanation of who it went to, why, or any reason for this debit. It simply shows on my statement under transaction activity. 
XX/XX/2020 Mailed payment {$840.00} because I could'nt talk to any representative or supervisor to explain all these discrepencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I am currently looking at my credit report XX/XX/2020 it says on XX/XX/2020 I applied or gave an approval for them to run a hard pull on my account. This information is inaccurate to my knowledge. I called XXXX  and gave them my social they said I did not apply for anything new. So I than asked what is this hard pull about they had said there shouldn't be one on my credit report. I did not open or authorize any new account or give my information out. So I believe this to be some type of fraud. The customer service rep told me to dispute with equifax directly. This way the hard pull comes off my account. 

I will post a picture of what Is coming up so that you guys can see it.
Product: Credit reporting or other personal consumer reports

My report contains unauthorized accounts linked to possible fraudblock and delete them now.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report. Leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian alleging systematic issues, such as failing to forward Consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Im requesting immediate corrective action to remove or amend the disputed accounts. As Experians in action violates federal law and my rights as a consumer
Product: Credit card or prepaid card

This is a follow up complaint about Capital One Credit Card Company. My original complain number is XXXX. This was closed after Capital One provided their feedback but I found that feedback unacceptable. 

They state in their response that : " On the first page of your Customer Agreement ( enclosed ), under the Account Information section, it states, We may ask you for additional documents to verify any changes. We may restrict or close your Account if we can not verify your information, or if you do not provide it as requested.

The entire statement is this : " We need information about you to manage your account. This includes : 1. your legal name ; 2. a valid U.S. mailing address and residential address ( if different ) ; 3. your date of birth ; 4. your Social Security number or other government identification number ; 5. your telephone number ( s ) ; and 6. your employment and income information ; You must tell us when this information change. We may ask you for additional documents to verify any changes. We may restrict or close your Account if we can not verify your information, or if you do not provide it as requested. '' I opened this card in XXXX and they asked me for additional documents for ID verification in XXXX. I do not know what changes occurred to required that additional information. 

In XXXX they asked me for the front and back of my valid driver 's license or State ID, proof of residency ( utility bill ) and a signed copy of my Social Security Card. I provided the driver 's license and a copy of a utility bill. I asked them for an alternative to the social security card as I did not have that with me. They refused to provide an alternative.

According to the agreement Capital One quoted, they MAY ask for additional information. It is not required. They do not specify what type of information which indicates there is flexibility. 

Under item 4 of the agreement, they require my social security number OR other government identification number. I provided my social security number. 10 months after opening the account Capital One asked for additional information. They asked for my driving license. This is a Government ID and would satisfy items 1, 3 and 4 of their list of documents. They ask for a utility bill which satisfies item 2. A copy of my social security card does not provide any additional backup which they did not already cover. I also offered my passport which is another valid Government Identification number.

Capital One 's was unwilling to provide an alternative to my social security card even though they had already satisfied the ID verification requirements as per our agreement. This is a breach of contract. The contract states that Capital One " MAY ask for additional documents to verify any changes. '' What changes occurred to require documents and if there is no specific set of documents listed, why can they not choose an alternative document when I do not have access to the specific one which they require?
Product: Payday loan, title loan, or personal loan

Yesterday, XX/XX/2019, we went to PNC downtown XXXX, NC to talk to the loan officer about the loan we took out to replace the variable interest load with a fixed interest loan, our pay off balance yesterday was {$60000.00}, on the internet. This morning I get up and the loan is payed off and almost transferred. Problem is the Pay Off this morning is {$60000.00}. There should not have been any late fees or other charges.

Yesterday when we were talking to the loan officer, she stated that the ( on line ) pay off balance was correct, ( when talking to another person on the phone to answer our questions about the difference in statement figures and on line figures ) she stated that the paper statement was incorrect and reflected the XXXX balance, on the XXXX Statement that we showed her. So it looks like the PNC Bank has charged us {$520.00}, to pay off the loan, we were told that we would not be charged to replace our variable interest loan with a fixed interest loan, the new and old loan were at PNC Bank, and there was not supposed to be a charge for closing costs on the new loan.

SO WHY DID THEY CHARGE US {$520.00} TO PAY OFF OUR OLD LOAN? This question was asked yesterday, and the loan officer said she was confused and couldn't answer our question. OLD LOAN NUMBER XXXX None of the balance figures add up on this simple interest loan, and we want to know why?
Product: Checking or savings account

I am writing this to file a complaint against Navy Federal credit union regarding multiple overdraft that I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, we transaction settled with insufficient balances despite initial available funds. I believe these practices are unfair and request a investigation into my account transactions.
Product: Debt collection

Called one of the references on my loan account at XXXX XXXX  central time. And left message regarding my debt. Regional Finance  from XXXX, XXXX calling a reference in XXXX, XXXX.
Product: Credit card or prepaid card

1. On XX/XX/XXXX I received a new XXXX card issued by Elan Financial services and immediately upon receipt called the number on the sticker ( XXXX ) to activate the new card. I have the records from my phone company ( XXXX ) confirming that the call was made to that exact number at XXXX on XX/XX/XXXX. 
2. Having dialed the number, I was transferred to a human operator who began by asking questions, allegedly to verify my identity. I ended up providing my credit card details, my name, my address and the phone number to that individual. 
3. This individual then requested that I should agree to a promotional deal whereby I would be paying a fixed amount ( {$24.00} ) for ID protection services and explained that only upon my consent to this deal would he activate my credit card. 
4. After a few minutes, I realized that I had fallen victim to a fraud and recorded a portion of the conversation on a portable tape recorder. This recording is still in my possession. 
5. I requested that all of my personal data be erased from their systems, at which time the call dropped. 
6. Subsequently, I called Elan using the number on the back of my credit card and requested that the card be cancelled and that the new one be issued. 
7. I also filed a security report, which was confirmed by XXXX, employee ID # XXXX. 
8. Following my conversation with Elan, I did some research and found that I was not the first victim of the aforementioned scam and that a similar report had already been filed by another customer in XXXX. See XXXX XXXX XXXXXXXX. 
9. While the exact mechanics of how an outgoing call could have been spoofed are not clear, one option that could explain it is that your call center IP hub was hacked. 
10. Let me emphasize that what happened to me could turn into a wide-scale security breach for Elan and potentially other financial institutions as well. 
11. Sadly, after speaking with Elan employees I got the impression that neither of them fully comprehended the gravity of the problem and its potential implications. 
12. I expect Elan to investigate this incident fully and report the results to the public. Should such action not be taken, I reserve the right to report this incident to the Department of Financial Institutions in my state and/or to the media.