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

I've been using XXXX XXXX online bill payment for roughly 8 years. I've never had an issue before where a biller claims to have not received a check processed through XXXX online bill payment until now. 

The biller in question is Upstart loan servicing. 

I arranged to have a {$130.00} check sent to Upstart on XX/XX/XXXX to satisfy an installment loan payment due. The payment was processed by XXXX with confirmation # XXXX, and the funds were deducted from my account. Upstart claimed to have not received the payment 10 days later and hit me with late fees. I contacted Upstart and XXXX about the issue. XXXX indicated the payment was mailed on XX/XX/XXXX. XXXX suggested I put a stop payment on check because it had been more than 2 weeks since it had been mailed. I put a stop payment on the check. Upstart then claimed to have finally received the check on XX/XX/XXXX, a full 18 days after it was mailed, and then hit me with a stop payment fee. I made multiple attempts with both institutions to resolve this issue, including attending a conference call. Yet I somehow was unjustly punished for a processing error between these two institutions. 
But things only got worse ... 

Because of the aforementioned processing error, I mailed a second check to cover the first delayed one which was stopped. I arranged through XXXX online bill pay for that second check to be received by Upstart on XX/XX/XXXX. I received confirmation # XXXX for this second check, and the funds were deducted from my account. I have now been notified by Upstart that this second check has still not been received by XX/XX/XXXX, a full 11 days after it has been mailed. So for the second straight time, I'm being threatened with more late fees and reporting to the credit agencies because either XXXX isn't mailing these checks out on time or Upstart is not processing them in a timely manner. Either way, I'm the one being punished financially and through threats to ruin my credit because these big financial institutions are having processing issues. 

I've done everything asked of me. I sent these checks on time to meet due dates. I've had more than sufficient funds in my account to cover these checks. I've contacted each of these institutions many times to rectify these issues. Yet I'm at their mercy. Upstart claims they are receiving checks a full 18 days after they are mailed to them. I've never heard of such a thing. And now they claim that the second check still hasn't been received after a full 11 days of mailing time. XXXX claims they are sending these checks on time. Each blames the other. But I'm the one getting hit with fees and negative credit reporting for something I am not responsible for. Upstart can continue hitting me with fees and hurting my credit and there's seemingly nothing I can do about it. This is unjust and likely illegal. I need someone to protect my rights as a consumer. I'm being taken advantage of. I'm going to my U.S. Congressman and Senator with this complaint. I shouldn't be abused like this.
Product: Mortgage

When attempting to make a payment online, I received the following error message : The website is not responding at this time. Please try back later or contact your institutions customer service department for further assistance. We apologize for any inconvenience. I contacted the Freedom Mortgage customer service line and explained to them the error message. The representative informed me that the error was a known issue and that I had the option of either making a payment via the phone system for a {$10.00} fee or via a live person for a {$15.00} fee. I requested a waiver of the fee since I could not make a free payment through their website. The representative stated the fee could not be waived. I then asked to speak with a supervisor. I was transferred to a team lead, XXXX, who was able to take my payment and waive the fee. I believe that Freedom Mortgage is deceptive in its practices by attempting to charge customers a fee for a payments when the option to make a free payment is not available due to the actions of Freedom Mortgage, not by any action by the consumer. In this instance, Freedom Mortgage has no incentive to correct the online system as they are able to obtain fee income from consumers that are unable to make online payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute an account XXXX XXXX with all the bureaus. XXXX and XXXX deleted this account from my credit files due to my proof. On XX/XX/18 I faxed a follow suit letter and proof to Experian. On XX/XX/18 I called when I was at lunch, and was speaking to a XXXX, and told him that I wanted to know the status of the follow suit letter that I had faxed in. I did not give him the date yet, and he looked into my file and said " the dispute from XX/XX/18 '' at this point I got disconnected from hi, and boy I wish I didn't get hung up on. I immediately called back and got a different female rep. Told her that I was speaking to XXXX about a dispute and she said that Experian does not have a fax to a in dispute information. I than told her that I have faxed Experian many times and on my fax machine when sending the fax it even says Experian. She told me that she could dispute it with me over the phone, and send it over to the creditor. I am not trying to dispute with the creditor, XXXX XXXX, I am trying to get Experian to follow suit with XXXX and XXXX to delete from my report. I called XX/XX/18 again and spoke to XXXX and again was told that he could dispute it, I told him never mind because I did not want to dispute with company and I will just submit online and upload all my documents. I did this. I have not heard or got any notification that they have received my follow suit letter ro anything.
Product: Checking or savings account

I opened checking and savings account with Citi bank on XX/XX/2018 in XXXX XXXX  XXXX, new york. My account balance was XXXX. Bank of Employee told me I will be getting {$400.00} for opening the accounts. I don't need to do any thing. I already met all requirements. He even gave me the ads to to proof I will get the money. As of today, I talked with several people at the bank. They said I am not eligible for the promotion. They refuse to give the {$400.00} promised.
Product: Credit reporting or other personal consumer reports

Attn : To whom it may concern, Greetings! 

In accordance with The Fair Credit Report Act : The list of Accounts below have violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

Acc. Name. Acc. Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A, States I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency CAN NOT furnish an account without my written instructions and or consent.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than ( 7 ) seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall Not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

The account was paid in full in XX/XX/2022. Also in XX/XX/2022, I was billed fraudulently. I reported it in XX/XX/2022 when I received my statement with a balance and saw the purchase I never made. Since then, I have contacted them almost every 2 weeks and they keep telling me they are working on it. Each month they continue to report to the credit bureaus my account is past due. It is now the end of XXXX and I have no resolution. An attorney is now my next steps. Absolutely the worst Customer Service/Freud department XXXX Their staff, no matter who answers, is always difficult to understand as well. STAY AWAY!
Product: Debt collection

I received several phone calls from a debt collector under the name of JPL Group, claiming that my debt of XXXX in principal with the company XXXX XXXX had been transferred to their company for collection. The voicemails threatened lawsuit action and left various different contact numbers. After several missed calls, I answered a call from JPL on XX/XX/XXXX. A woman named XXXX XXXX informed me of the above-mentioned debt. She said that if I did not pay the debt in full over the phone, they would serve me with court papers and court date, claiming I would need to defend my case in court. I told her that I would need to verify the debt as legitimate before I would give her company any money and asked her for contact information. She provided me with this information : JPL Group jplgroupsolutions.com XXXX XXXX - Civil Processing Division Collecting debts on behalf of XXXX XXXX XXXX ext. XXXX Business Hours XXXX XXXX - XXXX XXXX  Loan received : XX/XX/XXXX Principal Balance : {$500.00} I requested copies of my bank statements for the entire 2012 year, and I found no deposit made from ANY loan company. 

Next, I called XXXX XXXX and provided them with my personal information. The customer service ran my information through the XXXX XXXX database and no record of any loan. He then passed my information along to his manager who ran my information through the company 's extensive database. Again, there is no record of loan issued in my name at any date or time. 

XXXX XXXX filed a complaint in regard to this fraudulent matter and asked that I also file a complaint as an individual to aid in the prevention of further fraudulent debt collection attempts by the company JPL Group.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a childrens place card and credit card that is not mines however birthday is wrong.I had identity thieft couple years ago
Product: Credit reporting or other personal consumer reports

I have a credit card ( XXXX  from XXXX  XXXX ) that was maxed out for services to be rendered as I am an Author and immediately paid off the balance only to learn I was duped for services. I called card company and they recovered my money which my account now shows in the negative ie : {$XXXX} credit limit available Credit {$XXXX} and upon use of my credit card my XXXX dropped XXXX points causing a a negative domino effect to my Credit Profile on TransUnion additionally my credit history is not showing correct as I have had accounts showing much older than 3 years.
Product: Checking or savings account

I am writing to file a complaint against Wells Fargo & Company Bank regarding multiple overdraft fees I have 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 Wells Fargo for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am listing fraudulent inquiry from my Transunion Credit Report. XXXX XXXX XXXX  Listed inquiry does not belong to me and must be removed from my Transunion Credit Report. I had a call with the company an the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit Report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Hello, I am an XXXX citizen and I lived in the U.S. between XX/XX/XXXX-XX/XX/XXXX on XXXX. I opened a checking account with Bank of America when I was a XXXX at XXXX. 
When I returned to XXXX on XXXX/XXXX/XXXX, I did n't close my BofA account. On XXXX/XXXX/XXXX, BofA closed my bank account and sent a check for the balance ( XXXXUSD ) to me. 
The problem is that XXXX banks do not cash this check, because there is no financial relationship between XXXX and the US. No other country, including XXXX, XXXX, etc. opens a bank account for an XXXX citizen too. So literally I can not get my money back! 
I asked BofA help-desk if I can endorse the check and sent it to a relative who lives in the US, so he can deposit the check into his own account ; They said No! 
I asked them to cancel this check and issue a new one under the name of a friend of mine who lives in XXXX, so he can cash the check. BofA refused again. 
I want to know if I can ever get my money back. Can you help with that? 
Regards, XXXX XXXX
Product: Mortgage

To whom it may concern We are sending this letter after speaking to one of your representatives and she advanced us to do so. 
You guys increased our mortgage payment without communicating with us! We found out through our credit score tracker. We have been paying our mortgage on time every time. However we had no idea that you guys had increased it. Please take this inquiry out of our credit as it has affected us very much. If you see our payment history you will see that we have never missed a payment. 
We have never received any phone call, email or a letter indicating this increase. 



Sincerely XXXX, XXXX XXXX
Product: Bank account or service

Wells Fargo is moving my transatcions around to cause overdraft fees i have proof with tranactions posted before the purchase recipt shows i bought items the choose when to do auto pay on my bills always diffrent dates that the transaction occurs. How can i stop them. ive made complants to there fraud dept. an spoke with store managers that treat me like im hassling them. an i never got a stright anwser.is what they are doing to me illegal?
Product: Credit reporting

I sent XXXX a debt collectors validation letter accordingly to the FDCPA they have 30 days to validate the debt. That was not done and Equifax as not removed the debt off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX Balance : {$17000.00}
Product: Student loan

I was shocked when reviewing my credit report and found a late payment on the date below : 90 days late as of XXXX of XXXX I am not sure how this happened as I did not graduate until XX/XX/XXXX and had 6 months grace period before being required to make payments
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following reinserted fraudulent account and inaccurate late payments from my credit report due to identity theft and inaccuracy. 

XXXX XXXX  : 15 U.S. Code 1681I ( a ) ( 5 ) B Reinsertion XXXX XXXX : 15 U.S.Code 1666b LATE XXXX XXXX, XXXX, XXXX, XXXX
Product: Credit card

I called the customer service XXXX XXXX, XXXX  ( checked with my contact record ) and they agreed to close the card after I paid off the bill. But the bill still existed in the next year. I called to the card customer service again on XX/XX/year> ( checked with my contact record ). They told me the billing was mistakenly reported and it would not report. Now the bill exists again. It has accumulated to over {$200.00}. I just called the customer service again on XXXX XXXX, XXXX. But the representative told me that they could only close the account after I paid off the bill. Could I close this credit card and not see it any more? Do I still need to pay off the bill?
Product: Vehicle loan or lease

On XX/XX/2020, I walked into XXXX XXXX located in XXXX, PA. I had the intention on purchasing a leased vehicle. I found a car that I liked and we started to discuss pricing. The sticker price for the vehicle was {$32000.00}. I told them that my credit was pulled at another XXXX dealership but I was unable to purchase the vehicle because it was not in stock. Finance then told me that they would have to run my credit again, which I did not understand. When the previous dealership ran my credit they told me my credit score was XXXX. However, upon XXXX running my credit they informed me my score dropped to XXXX. I could not understand why it would drop so dramatically within 3 days. Nevertheless, I told them I did not want to put any cash down for a leased vehicle. XXXX XXXX returned and advised that I would need to put down {$8500.00} with {$2000.00} off due to promotion and I would have to pay {$420.00} per month for 48 months to lease the vehicle. Next, finance come over with the paperwork. This was my first time buying a car so I admit I should have done more research before going into the dealership. I agreed to the terms and signed the documents. 

I returned home and told my family of my purchase. After discussing this with my family, I soon learned that I was signed into a terrible deal. Upon reviewing the contract, I saw that with my down payment and my monthly fees I would have paid {$28000.00} towards a vehicle with the sticker price of {$32000.00}. The residual value for the vehicle is {$17000.00}. So in order for me to keep the vehicle I will have to spend {$46000.00}. I immediately tried to contact the dealership with my uncle to advise that I no longer wanted the car. They refused to accept the car and told me I need to contact Kia Finance. I spoke with several representatives waiting for someone to assist me. I was told by one representative that I needed to go back to the dealership and speak with the General Manager and/or Finance Manager. I spoke with both and they again refused to accept the car back. I called back to Kia Motor Finance, and asked if they would deny my original application or void it. I was informed that this was something the dealership would have to handled. I was told so much conflicting information for days. I explained to everyone I spoke with that I feel like I was taken advantage of but no one helped me. Also, I was told that if I traded the car in or sold it that I would be hit with a very expensive early termination fee. I contacted a few dealerships but the most they would offer for the vehicle $ XXXX.
Product: Debt collection

I have repeatedly received phone calls from a company claiming to collect debt owed by me to a school i attended. To the best of my knowledge i do not owe the school. 

Their claims about the said debt keeps changing. 

I have not received any written communication about the debt to which i can properly respond. 

The phone calls apart from being distressing offer woefully inadequate information about the debt e.g what service exactly i owe for and to whom specifically i owe.
Product: Payday loan, title loan, personal loan, or advance loan

I filled out a loan application on XX/XX/year>, and received a letter denying the loan on XX/XX/year>. Discovered on XX/XX/year>, the loan was approved on XX/XX/year> ( by several bank representatives and 2 parties at XXXX XXXX ) and funds were sent to XXXX XXXX XXXX Sales on that date. This was after I called numerous times to inquire about this loan and it was nonexistant in BMO system until XX/XX/year>. After submitting a complaint with CFPB, the bank representative claimed the loan was funded on XX/XX/year> and I received copies of an online application with one price of {$87000.00}, with {$9000.00} down and another loan document with a balance of XXXX, with {$11000.00} down. These numbers on the loan document were not entered when a signature was unethical obtained. To date, I am unsure as to the amount of the loan, as I have been informed of " no loan is in the system " to {$100000.00}. I have yet to receive any documents, other than those listed, to date. 
I have also not received any correspondence from BMO bank claiming I was approved for any loan. According to the CFPB ( XXXX ( a ) ( 1 ) Timing of notice ) regulation, BMO Bank is required to send notice within 30 days of decision. The only decision that I received confirmation of, was the denial dated 4 days after I sent in the loan application.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  I received a email from PayPal stating that they closed my account because looks like someone underage or not in the country where PayPal service.No other issues I think my account was wrongfully close because I am well over XXXX even when I created the account I was over XXXX. I have provided PayPal with my ID and social security card before they decide to close the account so they know I'm not underage and they know I live in the USA.I have a balance in the account which they are holding my funds treating it as a seller 's account when it's a personal account I am not a seller.I have read PayPal disclosures I have not went against there rules and regulations for my account to be terminated.