23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received a notice from PayPal that {$120.00} was deducted for a payment to XXXX. I checked all my XXXX settings and was no evidence of such a payment that originated from my XXXX account nor have I ever requested such a payment ever. 

I disputed the payment with PayPal and they closed the case and stated : " Thank you for reporting this case. After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection. We've noted the account changes you reported with this case. '' Someone has fraudulently made a payment and PayPal is not willing to do anything about it.
Product: Payday loan, title loan, personal loan, or advance loan

Integra credit charges over a 100 % interest rate. To date I have paid XXXX and still owe of XXXX. I am unable to continue making these payments
Product: Bank account or service

I was frauded against and when I filed a claim at the CHASE bank after telling them to lock my account while it was happening was denied claims and they left me with {$2500.00} debt and interest your claims against them : XXXX regarding this in anyway? can you help me recover from hardships of error injury and health concern as well?
Product: Credit card or prepaid card

My Chase Sapphire Preferred card ending in XXXX, which I share with my wife, XXXX XXXX, was lost and subsequently stolen near the intersection of XXXX XXXX XXXX XXXX in XXXX XXXX in the late afternoon on XX/XX/XXXX. In the following days, over {$20000.00} of fraudulent charges were billed to my card, including the following : 1. XXXX ( XX/XX/XXXX, {$1600.00} ) 2. XXXX ( XX/XX/XXXX {$5000.00} ) 3. XXXX  ( XX/XX/XXXX, {$170.00} ) 4. XXXX ( XX/XX/XXXX, {$390.00} ) 5. XXXX # 7 ( XX/XX/XXXX, {$10000.00} ) 6. XXXX ( {$34.00}, {$5.00} and {$5.00} ) 7. XXXX XXXX XXXX XXXX {$52.00} ) 8. XXXX ( XX/XX/XXXX, {$3200.00} ). 

Upon noticing my card was missing on XX/XX/XXXX, I called the Chase Fraud Recovery line to report the fraudulent charges above and cancel my card. The representative assured me that the charges would be removed from my account and there would be no issue doing so given my card is a zero liability card. The representative did not tell me I needed to file a police report. 

On XX/XX/XXXX, we received a letter stating that the above charges were being rebilled to our account and that we are responsible for them. I immediately called the Chase Fraud Recovery line that day to understand why they were being rebilled and was told that the XXXX and XXXX XXXX charges were not originally reported as fraudulent which resulted in all other charges being rebilled. I clarified that those charges were indeed fraudulent ( I could not have made them as I did not have the card ), and was told that the Fraud Recovery team would continue their review of my case. 

On XX/XX/XXXX, I called to follow up to understand the status of my case. I was told that an account supervisor, XXXX, would get back to me in 24-48 hours, and when this person followed up, I was told that she was continuing to wait for information from XXXX before she could move the case forward, and that four other retailers would not provide additional information, so it is unlikely that the Fraud Recovery team will be able to move forward with the case unless I am able to work with the XXXX XXXX Police Department to require retailers to release video footage. I have filed an updated police report to make that request and am working on this, but am doubtful I will receive a response given the magnitude and severity of other issues the XXXX deals with routinely. It is surprising that my only recourse at this juncture is to spend countless hours on the phone with Chase Fraud Recovery ( only to be hung up on, rerouted and sent in circles ), as well as trying to procure video footage over which I personally have no authority. It was never told to me upfront that the only way to get fraudulent charges off my card was to acquire the video footage and this simply seems unfair. The fact pattern clearly shows the charges were fraudulent and I should not be liable. 

I strongly believe Chase is acting in bad faith, counter to consumer protection requirements and is using misleading business practices.
Product: Mortgage

During the time I was applying for a refinance I asked my current mortgage company Freedom mortgage if they could accommodate bi-weekly payments and they stated NO. At which time I started the process with XXXXXXXX XXXXXXXX  who could. I had been with Freedom mortgage just under two years and and had no late payments I would have preferred to stay with them if they could accommodate my request. I completed my transaction with XXXX XXXX and unfortunately the transaction did not happen as quickly as they liked and according to the agent who I spoke with stated it was auto generated and could do nothing about it. I think this was a crude tactic to hurt me and my credit report for switching companies. Again I have had not one single late payment before or after this switch.
Product: Student loan

My total loan is for {$360000.00} with the company XXXX, Nelnet. The loan is from when I attended XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX, however I did not see that listed as an option. The lowest payment they gave us through IBR and extended payment is {$2300.00}. We can not afford this monthly payment. Consolidating the loans would still be about XXXX and would hurt my credit as we are trying to move. They go off my gross salary and do not take into account our bills or my other student loans, or taxes. They refused to see my salary after taxes and after our bills. They refused to help us with a payment lower than XXXX. The most we can afford is $ XXXX. They kept trying to get us to do foreberance which does not help the situation. I have a contract job and my salary will not increase, ever. The loan will also collect more interest with foreberance. They refuse to help us and now the loan will go into default due to not being able to make the payments. I dont think they should force people into foreberance where the company will make more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/18 I received a letter from XXXX XXXX XXXX XXXX   stating thanks for contacting us about your credit report. Based on the information you gave us, we researched your account. We know your credit is important to you so we want to help you understand what we found. On XX/XX/2018, we correctly reported your accounts high credit as {$3900.00}. Also, we have placed a disagreement code with a resolution dispute on your credit file to the major credit reporting agencies etc.There is no name, phone number, or extension to call anybody. I never disputed that the account 's highest credit was {$3900.00}. It shows on all my credit reports in XX/XX/2018 which I am going to upload. I don't understand what is going on with XXXX XXXX XXXX XXXX. First I get a call from a Resolution Specialist XXXX  ( spelling ) leaves me a message. I call her back and tell her she can call me back. She calls me back a few days later and let 's it ring twice and hangs up before I can answer my phone with no message. It appears that no one knows what's going on with my complaint going from customer service, to Account Specialist, to Supervisor who told me on XX/XX/18 when I disputed the {$1900.00} being wrong with XXXX that Capital One would not change all my credit bureau reports and my authorized user 's reports which is exactly what happened, to Resolution Specialist. Same date XX/XX/2018, received XX/XX/18, I receive another letter that XXXX XXXX XXXX XXXX XXXX is  going to change with the credit bureaus from {$1900.00} to {$1700.00}. I appreciate that you have gone through with the credit bureaus and changed amounts, but what you did was put the amount of {$520.00} on my credit reports instead of the {$1700.00}. I don't understand what's going on! So now that you have reported the {$520.00} to all credit bureaus and the card was used after that there was an increase in the amount to {$600.00} and change which is going to show an increase in my balance which is going to again affect my credit score/Fico Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX XXXX : {$200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$200.00} XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$710.00} XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB on XX/XX/XXXX I have recieved 2 letters from Collections companies who were unable to send me written verificaion stating the account belongs to me. Ive called XXXX and tried tp upload documents so these accounts can be removed but they have put a time frame on it so if you dont upload it in the small time they give you it kicks you out the system. Once i knew that i finally got it thru. I ve also called XXXX  and the representative told me they had no way of uploading the documents and i would have to send out another certified letter which all these letters are costing me. I asked the representative i know they dont open all the letters and that was the reason for my call to get it handled over the phone so my letter wouldnt just be sitting there. He was unable to help me. Im uploading the letters from Enhanced Recovery and XXXX. XXXX, there did not send me any of the documentation i asked to prove these accounts belonged to me. XXXX  sent me a letter that i dont even have an account with. Also enhanced recovery sent me a letter asking that i send them my personal information!
Product: Mortgage

I received a copy of final loan documents via docusign on XX/XX/20. My loan was scheduled to close on XX/XX/20. When the notary got here, the loan amount had been reduced from XXXX to XXXX. The cash due to borrow had been reduced from approx XXXX to XXXX without any advance notice. 

The notary and I tried to call Citimortgage repeatedly to find out the cause of the change and were unable to reach anyone after calling XXXX XXXX, his manager, the loan processor XXXX. 

I did not sign the paperwork as have not received a final copy of closing which is required by law prior to the closing. 

I appreciate any help you can lend with understanding what has occurred and why. It has been approximately 7 months since I initiated the loan. I have responded timely to every request and don't understand what occurred that resulted in this last minute change without any prior notice.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

1. ) The KEY bank does not allow ACH transfer to be set up with a competitive bank. 
2. ) The KEY bank falsifies its interest payment when there are no interest payments made on the account. 
3. ) The KEY bank holds back payments of bills for a long period of time and at the same time depletes the amounts from the account.

4. ) When questioned why bill pay was not executed for over 15 days ; it comes up with various excuses and delays due to postal services etc.

5. Then they cancel the payment and for that i have to wait for 10 more days to get my money back. A total of 25 to 30 days to get my money back from the time i paid a bill?

I BELIEVE THE KEY BANK IS DISCRIMINATING AGAIST A MONORITY AND SENIOR PERSON. IT ALLOWS ACH TRANSACTIONS SET UP WITH SOME BANKS AND NOT WITH OTHERS --?
Product: Credit card or prepaid card

Recently found unproven information on my credit report from Continental Finance Company. When I spoke with the credit bureaus, they verified that they never spoke to anyone at Continental Finance regarding information related to this account. This means the company lied when they claimed to have " verified '' the account. See attached demand letter.
Product: Money transfer, virtual currency, or money service

I do not want complaint ID # XXXX closed until you can provide both signatures from the two different transactions I made to XXXX XXXX. 

When you can show proof of both signatures and they are the same then you can close the case but until then I want this investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for any mortgage online. I have disputed this with XXXX XXXX and Fairway independent twice and they are not working with me. I have also disputed this with XXXX credit reporting agency and they have refused to take it off of my credit report.
Product: Debt collection

In the year of 2019 I took my sister to the hospital. I had no legal holds over her I was just the driver and I am being held for her medical bills that are not mine. The bills were sent to her parents address never giving me a chance to speak to the original creditor which is not fair.
Product: Credit reporting or other personal consumer reports

I went through a divorce and my ex wife was court ordered to make the mortgage payments while I was not living there. She failed to do so and so my credit was hurt. I called the planet home lending and they told me there was nothing they could do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX  who is XXXX  Visa I tried to do a credit increase they said my report told them my usuage on this card is too high My issue with this credit company they have not reported my card Since XXXX of XXXX I have also ask of them to remove the late from XXXX because it was covid I need them experian XXXX ans XXXX to rescore my credit I lost XXXX points with this company I have paid this card off several times in the past 3 months that has not been reported.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. After reviewing my consumer report, I noticed there is an inquiry on my consumer report that I do NOT recognize. Every time I review my report, it's saturated with inaccurate and misleading information. I sent Experian a letter on XX/XX/year> and I have not received a response whatsoever. They have a grave responsibility to report accurate information and in this case they are NOT. That is a violation and according FCRA, I am entitled to compensation up to {$1000.00} PER VIOLATION. I know my rights as a consumer and will sue your company for constantly violating my federally protected rights. According to XXXX XXXX XXXX ( a ) ( XXXX ) the banking system is dependent on fair and accurate reporting of consumer data. You have diminished the value of my credit reports by reporting inaccurate information, deeming my reports invaluable to me. This directly impairs the efficiency of the banking system and is violation. I DEMAND REMOVAL OF THIS INACCURATE INQUIRY IMMEDIATELY. This unauthorized inquiry has been detrimental to my credit score and overall XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in letters dispute letters, to have unverified items taking off my report. I've contacted all the creditors and they where not able to verify the accounts. I've contacted the credit bureaus and nothing has been deleted. I have one XXXX XXXX XXXX XXXX with the amount of {$230.00} on my XXXX  report which hasn't been verified after I sent them a letter to verify my debt. On my XXXX  Report, RENT RECOVERY SOLUTIONS, LLC with the amount of {$240.00} was not verified and I need it deleted. On my XXXX report XXXX XXXX XXXX with the amount of {$1000.00} is unverified and should be removed since they didn't send the correct information to verify the debt, I was sent a letter with no signature saying that I signed for the debt and the amount was {$1000.00}.
Product: Credit card

Today, XX/XX/year>, at approxXXXX XXXX XXXX  I called Citi regarding my Costco Anywhere Visa Card by Citi. I requested to establish paperless. I was informed by the representative via phone that I would have to do that online. I proceed to do that online and was not able to perform that action via my online account.
Product: Mortgage

Every month I make payment beyond the minimum payment due for my mortgage. Every month Franklin American Mortgage Company credits extra payment as pre-payment for the next month rather than as extra principal on my account. I have called customer service and I have written customer service and I have been assured that the logic model for making payments to them has been changed, but each month I am treated the same. This approach benefits them as they charge more interest. This is a disservice to their customers and is, frankly, dishonest. Franklin American Mortgage Company could fix this, if they only were motivated to do so.
Product: Debt collection

Im unaware of this debt. I didn't have a chance to dispute this debt. If you believe you gave me proper notification please sed me a certified mail receipt with my signature stating I received this notice.
Product: Credit reporting or other personal consumer reports

In 2017 a credit card was opened fraudulently in my name with Wells Fargo. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with Wells Fargo since then with no luck even with a police report that I provided to them and added to my credit file with XXXX, XXXX, and XXXX as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru Wells Fargo, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in 2017 when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. Wells Fargo said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit Wells Fargo was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit file!
Product: Credit card or prepaid card

I have had a citibank credit card since XXXX. At some point they fraudently enrolled me into a program called Payment Safeguard. I am not sure when it happened but from at least XX/XX/XXXX to Current, I was charged {$570.00} dollars. The website does not allow me to see anything prior unless I order statements. Payment Safeguard sent a claim to Citi to refund me but Citi won't talk to me. I emailed on XXXX, I sent a letter on XX/XX/XXXX, and a fax on XX/XX/XXXX. I have called several times and they just keep transferring me to different people. I am sure in total exceed the {$570.00} but all I was asking was to be refunded. I went ahead and paid the card off because they were going to charge me late fees. I never signed up for or asked for this program. I didn't know they were allowed to.
Product: Debt collection

Subject : Formal Complaint Against XXXX XXXX Regarding Debt Collection Practices Dear CFPB, I am writing to formally dispute a debt collection matter involving XXXX XXXX. I recently received a collection notice dated XXXX/XXXX/24 regarding a debt of {$2300.00} allegedly owed to XXXX XXXX for the address listed as XXXX XXXX XXXX, XXXX, IN XXXX. I believe there are significant issues with the validity of this debt, and I would like your office to investigate. 

Reasons for Dispute : 1. Discrepancies in the Debt : The collection notice does not provide sufficient documentation or proof that I owe this debt.

There is no detailed accounting of how the amount was calculated.

2. Lack of Verification : I have not been provided with sufficient information verifying that this debt is valid or that I am legally responsible for it.

Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation from the collector, but no adequate response was provided. 
3. Potential Errors : I question the legitimacy of the debts origin and amount, given the lack of interest or fees outlined in the letter.

4. Failure to Provide the Original Creditors Information : The letter does not clarify whether the debt was transferred or sold, nor does it specify the name and address of the original creditor.