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

On XX/XX/XXXX, I had XXXX with anesthesia services being provided by XXXX XXXX XXXX, XXXX ( XXXX ). After my insurance paid their portion of the charges, I was billed by the anesthesiology group on XX/XX/XXXX for the balance due of {$49.00}. This amount was paid on XX/XX/XXXX by a bill pay transaction ( check # XXXX ) which cleared my checking account on XX/XX/XXXX. 
In early XXXX of XXXX, I received a notice dated XX/XX/XXXX from XXXX, XXXX, a collection agency in XXXX, TN, which advised that I could " ... dispute the validity of this debt ... within 30 days from receiving this notice ... '' On XX/XX/XXXX, I provided a written dispute along with a copy of the check with which payment was made. Assuming the matter was resolved, I took no further action. 
In late XXXX of XXXX, my wife visited XXXX XXXX XXXX in XXXX, TX to start the application process for a mortgage loan, but she was told that, due to a medical collection judgement against me for {$49.00}, our mortgage interest rate would be one-quarter of one percent ( 0.25 % ) higher than it would have been otherwise. While this does not seem to be very much, over the course of 30 years on a {$200000.00} mortgage, the additional cost to us would be in the neighborhood of {$15000.00}. 
After receiving this news, I disputed the non-payment through the credit reporting agencies, but XXXX, XXXX simply confirmed the judgment against me was valid and declined to correct my records. Hopefully, you will be able to assist me in getting the false reporting corrected and get my credit rating cleared up.
Product: Credit card or prepaid card

I received a bill for {$13000.00} from Wells Fargo due XX/XX/2023. On XX/XX/2023 I submited to XXXX XXXX bank to pay the amount in full by XX/XX/2023. On XX/XX/2023 Wells Fargo cashed the check charging me {$340.00} in interest + {$29.00} fee. 

In talking with Wells Fargo they state they cash checks on the day they receive them so they are not responsible. 

In talking with XXXX XXXX they say that they mailed the check on or around XX/XX/2023 and it is not their responsibilty. They have provided me a letter to that effect. Also for some reason it is their policy to mail a check when the amount is over {$10000.00} instead of doing a transfer. XXXX XXXX states they are not responsible because they mailed the check in plenty of time to get to Wells Fargo. 

I have requested from both banks that they provide the postmark date. Both banks say they are not willing/able to do that. 

I requested from XXXX to pay Wells Fargo in a timely manor. I followed all of the rules outlined and made the request in a timely manor. Neither bank is willing to take responsibility for this error, and I can not determine who is at fault. Did Wells Fargo misplace the check and cash it late or did XXXX send the check late.
Product: Credit card

I had a Chase credit card which was unexpectedly closed on XX/XX/XXXX, due to my credit getting close to my limit. I have since experienced financial hardship as my salary was decreased XXXX  % on XX/XX/year>. I have been unable to financial manage the high interest payments on my closed account and reached out to Chase. I was misinformed by management through contacting customer services throughout this process informing me i could recieve debt relief payment plans with the most recent conversation beinf on a recorded line on XX/XX/XXXX. I've never missed a payment and was transferred by a customer service to the department for closed account debt. They informed me they would help me with my circumstances before transferring and disconnecting me without any resolution. I am disheartened and do not feel any resolutions coming, but am continously misinformed by representatives that I could recieve some kind of financial hardship assistance. This management of my situation violates 15 U.S. Code 1692e and I am seeking assistance from the CPBP on resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609  ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1   ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609  ( a ) ( 1  ) ( A ) and 611 ( a ) ( 1  ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15  U.S.C. 1681g  ] ( ( a ) Information on file ; sources ; report recipients. XXXX  shall, upon request, and subject to 610 ( a ) ( 1  ) [ 1681h  ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5  digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611  ( a ) ( 1  ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, please investigate the unverifiable item/accounts/information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 XXXX : {$0.00}
Product: Checking or savings account

This is my fourth time submitting a complaint about ALLY BANK holding my funds and my account being restricted without having any access to my accounts also Ive noticed a lot of my funds are missing from my account when I check my balances at the XXXX  with both of my debit cards. I am able to check my balances but I cant make any withdrawals or deposits with my card this is so frustrating I cant even sleep most nights Ally Bank has gave me XXXX with having my money being held by financial institutions its been going on a month I have no access to my money and I believe this company is using my funds for other practices because how does my funds keep missing and my account balances keep changing when my account is locked and I have no access to my online banking every time I check my balances at an XXXX  they are different and I dont understand whats going on. Im behind on my bills and I have to take out loans in order to make payments for me and my family a few days has passed where I couldnt even get my children and I any food because all of my money is tied up that I have no access to with ALLY BANK being a major reason. They are holding a majority of my life savings and I feel like a complete XXXX for banking with this company I feel Im being robbed and Im receiving no help from anyone but my attorney at this moment. We are just waiting for court proceedings to start and I will use my complaints submitted here as evidence about whats going on. This bank knows what they are doing and I dont know if they are trying to cover something up but I believe foul play is going on. They mentioned the reason my account being blocked is because of a XXXX payment that I made and I confirmed that I am the one who authorized the transaction and still I have no access to my money. I wont make any more complaints because its getting me nowhere it seems pointless at this point ALLY BANK has to be the worst ever at this point I am so depressed I cant take it anymore I amp helpless Im in defeat but I will keep fighting for whats mine and in the long run I will receive my compensation and even more believe it. God bless
Product: Credit card or prepaid card

Ive been a member of this credit card for over 15 years. I was assigned abroad in a third world country for over and year and just came back to see my card has been cancelled by the credit grantor for no reason. I have never had any late payments and always paid the the full card off every month until I was not able to use it for that year abroad. Now I am stuck without my main credit card. I am being treated unfairly and do not wish to have another one opened as their customer service suggested but have my original one reinstated.
Product: Checking or savings account

XXXX dollars and more have been taken from my account and account was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting Experian to reinvestigate and update this Account from my report during the investigation period. As of this date, the Experian has failed to respond to my written requests. Experian must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Student loan

Payment of {$110.00} was due XX/XX/ Made payment of {$500.00} on XX/XX/ Payment was reversed by Ed financial on XX/XX/XXXX  Tried to call to find out why was told they didnt know try again Made {$500.00} payment on XX/XX/ EdFinancial reversed the payment on XX/XX/ Causing my account to go unpaid affecting my credit score. Everytime I call I am told they dont know why it has to be an error on my part but my bank info is correct. They said they have nothing else to tell me and theres nothing to look into. A quick XXXX search shows TONS of people are also having their payments reversed causing them to go unpaid, affect their credit and extend the life of their loans and the interest. This is a complete scam And predatory lending practices. 
Another payment of {$220.00} was made today XX/XX/. I am waiting to see if they reverse it yet again and have no idea how I can pay my loan if they keep returning the payments.
Product: Mortgage

CONCERNING LOAN # XXXX EVERBANK Shortly after the loan was closed in XX/XX/XXXX,  I received 2 or 3 XXXX packages containing letters and documents making changes to the Closing Disclosure. I HAVE THE PAPERS DATED XX/XX/XXXX, but I am unable to find the one or two others. I need them. I have called Everbank 3 times and have received wrong documents twice. I have received no response to my recent email. 

Also I have filed 2 previous complaints to cfpb about obtaining the loan. Due mianly to my loan office 's incompetency, I got stuck with an ARM, at age XXXX, due to the % of renters in the condo complex being too high. I recently got notice from the HOA that the % of owners is now over 50 % making it easier to get a 30yr fixed. I would like a 30 yer fixed loan
Product: Prepaid card

The gift card was purchased on XX/XX/XXXX. The expiration on the card says XX/XX/XXXX. Gift card law states that gift cards are not supposed to expire in under XXXX  years. I called the company giftcards.com and they transferred me twice and then hung up with no resolution. The value was not returned to the purchaser either and basically kept by the company.
Product: Student loan

In XX/XX/XXXX, I borrowed {$10000.00} from XXXX XXXX to pay for my daughters first-year tuition. I was approved for the loan but did not fully understand the terms. I accepted it because she had no access to federal loans or grants at the time. 

I consistently made payments through automatic debit and even paid more than the required amount, aiming to pay off the loan in XXXX years. However, after XXXX years, I reviewed the loan and was shocked to see that I still owed over {$9000.00}. I contacted XXXX XXXX and spoke to a loan officer, who told me that this outcome was consistent with the agreement I had signed. 

In XXXX, XXXX XXXX sold my loan to FirstMark Services, even though I had already paid over {$12000.00}. At that time, the loan balance was {$8600.00}. Now, in XXXX, after nearly XXXX years of consistent, on-time payments, the loan balance is still {$5800.00}. 

Its hard to believe this is correct. How can it take nearly XXXX years to pay off just {$5000.00}, and now it looks like it will take another XXXX years to pay off the remaining {$5000.00}? This seems unreasonable. 

The loan number is XXXX, currently serviced by XXXX XXXX .
Product: Mortgage

I recently closed on a VA Re-finance through XXXX, the representative I dealt with XXXX XXXX and his supervisor XXXX XXXX both told me ( in e-mails and recorded conversations ) that if I refinanced through XXXX XXXX Mortgage that I would be allowed to skip my XXXX ( {$2300.00} ) and XXXX ( {$2300.00} ) payments to Shellpoint Mortgage my old lender ( Mortgage Company through New Penn Financial ). I asked if I could skip XXXX and XXXX payments as I had already paid Shellpoint the full amount for my XXXX payment ( {$2300.00} ) however XXXX said no it need to be XXXX and XXXX Payments that I could skip based on loan ( Re-Finance ) closing. Again I was ensured that I would get my XXXX full payment back by XXXX. Shellpoint had included part of my XXXX payment in final settlement and only reimbursed me for partial return of my XXXX payment made on XXXX XXXX XX/XX/2015 of only {$1200.00} was returned from XXXX payment and {$1300.00} left over from my Escrow account. I was shorted {$1000.00}. I have contacted both XXXX and Shellpoint requesting the balance of {$1000.00} ( might not be considered a lot of money but when you are a XXXX it is a lot of money ). All I seem to get is the run-a-round. And XXXX of the companies has committed fraud and definite deceptive trade practices. I want to file a formal complaint. XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX.
Product: Debt collection

I am filing this dispute because the debt collector failed to fully comply with my debt validation request, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). On XXXX, I sent a verification letter to Jefferson Capital Systems LLC requesting complete documentation to validate the alleged debt. Specifically, I requested : A detailed payment history : I asked for an itemized account of all payments and charges related to the debt. 
Proof of the collectors authority : I requested documentation such as a sale or purchase agreement that shows they have the legal right to collect on this debt. 
Proof of my liability : I asked for evidence that I am the individual responsible for this debt, including any documents or agreements that I may have signed. 
Legal authority to collect in Michigan : I requested proof that they are legally permitted to collect this debt in the state of Michigan. 
Information on the age of the debt : I asked for details on when the account originally went into default with the original creditor. 
Although the collector responded within the required 30-day window, their response was limited solely to screenshots of my account dashboard from the original creditor. They did not provide any of the requested detailed payment history, documentation of their authority to collect the debt, proof of my liability, legal authorization for collection in Michigan, or information on the age of the debt. 

Because the response is incomplete and fails to meet the requirements for proper debt validation, I dispute the legitimacy of this alleged debt. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that the collector removes this collection from my credit report with the 3 major credit bureau, XXXX, XXXX, XXXX.
Product: Credit card

I contacted Macy 's and requested a goodwill adjustment of their credit reporting. I have been a customer since XX/XX/XXXX and have only had three months of past due status. All three were in XX/XX/XXXX. I continue to be a customer with them.
Product: Checking or savings account

XXXX dollars from my tax money was taken from my savings account from chime bank it showed the location from chime and that number it changed out of my account was the same location as chime no one could of took my money out but chime because the money was in my savings and they went in my account changed my number to theirs and changed my password so they could take my money out and I reported it to chime all they say is they find no evidence when clearly I'm sending the evidence to them showing its chime doing these scam act on my account and they never gave me my money back!!!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against your organization for the persistent and unsuccessful attempts to remove fraudulent items from my credit report. Despite multiple efforts to address and rectify these fraudulent entries, my credit report continues to be marred by information that is both false and damaging to my financial well-being. 

I have meticulously followed the dispute resolution procedures as outlined by your agency, providing extensive documentation and evidence that incontrovertibly demonstrates the fraudulent nature of these items. However, your organization 's repeated failures to take appropriate action to rectify this issue are causing substantial harm to my creditworthiness and financial stability. 

It is imperative to stress that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies and fraudulent activities are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the fraudulent items on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
I hereby formally request that your organization takes immediate and decisive action to investigate and remove the fraudulent items from my credit report. If it is confirmed that these items are indeed fraudulent, I insist on the following actions : Swift removal of all fraudulent items from my credit report. 
Removal of my credit report to accurately reflect my financial history and creditworthiness. 
Provision of written confirmation of the removal and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the immediate removal of these fraudulent items from my credit report. I am asking for your assistance to remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$750.00} XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem retrieving my Equifax credit report under the FCRA I am registered with Equifax ( My Equifax ) membership service that enables consumers to view there Credit Report and submit disputes. There is a block on my report that XXXX XXXX, Equifax, Any other third party credit score services are not able to get an updated report of mine. 

The MyEquifax username is : XXXX XXXX
Product: Debt collection

I entered into an online payday loan agreement with tribal lender XXXX XXXX XXXX XXXX in XXXX. I was never able to access or sent loan documents after signing. After realizing this lender is not authorized to lend in my state ( IOWA ), because they do not have a physical presence here ( and because of the extreme interest rates ) ; I closed the checking account associated with the loan, sent a notice of account revocation to this lender and informed them that according to the laws of Iowa, I was under no obligation to pay this back, as they knew they were lending to me illegally and were not authorized my state. They attempted to collect for a short time, emailed me to say they would be adding a {$250.00} fee to the next auto debit ( on a {$700.00} loan ). I continued to receive email from a " XXXX '' at a XXXXXXXXXXXX address attempting to collect. I replied back that I would like proof they are authorized to lend in the state of Iowa ( and legally allowed to collect on the debt ) -- to which they provided me none. <P/>I have not heard from this particular lender XXXX XXXX XXXX XXXX since XXXX when they initially were attempting to collect ; though now it appears they 've hired an outside collection agency ( Allied Collection Services - XXXX XXXX, NV ) in attempt to get funds, because they know they legally can not collect on them. I have n't had any communication with this Allied Collection Services ( no debt validations - nothing by mail, no voice messages identifying ) until I noticed a collection flag on my credit report -- and called to dispute it -- - ( they hung up on me once I mentioned the debt was invalid to collect on, that I would not be paying, and would be reporting it ). They refuse to remove the flag on my credit report ( which I 've also disputed with XXXX who has also failed to remove the flag ). <P/>Additionally, I 'm certain they have shared my private information with outside agencies in effort to harass and bully me into payment. My private information is being used to apply for loans online, and I 'm receiving recent email notifications about applying/being approved for loans with other lenders when I have n't applied for any online payday loan since XXXX. <P/>I filed a complaint with my state 's Attorney General 's office, and was advised by their investigators to file a complaint here, as well. <P/>Allied Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX http : //www.acsnv.com/ # XXXX XXXX XXXX ( Tribal Lender ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX : XXXX
Product: Checking or savings account

While in the military I was charged multiple overdraft fees by Navy Federal Credit Union, even though my account showed that I had sufficient funds at the time of the transaction.

My available balance before the transaction indicated that I had enough funds.

A transaction was processed, but despite having sufficient funds, I was still charged an overdraft fee.

When I reviewed my account history, the numbers didnt add up, and I could not see a valid reason for the fee.

I contacted Navy Federal to dispute the charge, but their response did not resolve my concerns.