23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt is being collected through garnishment. The debt collector continues to call wanting me to pay them directly instead of through garnishment. Debt collector calls once or twice everyday and ask that I pay them instead of allowing garnishment out of my XXXX check.
Product: Checking or savings account

XXXX-confirmed customer service to deposit payroll check via mobile app with 100 % funds available XX/XX/XXXX. Funds deposited and placed on hold. 
XXXX2-customer service confirmed funds available after midnight as day is not considered holiday for Citibank, considered business day. 
XXXX-customer service via telephone multiple transfers, call lasting over 60 minutes while customer service rep attempting to have a branch remove hold. Unsuccessful reaching a branch. Assured return call within 24 hours. 
XXXX attempted to call multiple ( x20 ) branch locations myself, all except 2 finally answered, left messages for manager to return call. No return response received. 
XXXX account now overdrawn partial funds off hold. Customer service provides script answers now saying hold will be released XX/XX/XXXX. Call to accelerated customer service, placed on hold 20 min, then call disconnected. Attempted to call branch again, reached XXXX XXXX, same 1 as message left XX/XX/XXXX. Left 2nd message with staff for manager XXXX to return call to assist. Still no return call. Citi appears to be lying to customers in efforts to secure their funds and then withhold and block customers from access to assistance forcing them to have funds held XXXX and wait for their imposed time limits to access funds.
Product: Checking or savings account

In the first week of XXXX I moved from XXXX XXXX XXXX to XXXX XXXX. I had to change banks due to the fact there isn't a USBank for 1200 miles from XXXX. During that process I left XXXX dollars in the account, and placed a hold on the account to ensure no transactions were coming out of the account. On around XX/XX/XXXX I contacted USBank and asked them to remove the hold so I could XXXX the money to my XXXX XXXX XXXX account. During that phone call I asked them to then close the account. Over a month passes by and on XX/XX/XXXX I received a text notification that USBank had changed my address. This concerned me, as the account should have been closed, and they already had my new address. 
After receiving the notification I immediately called the bank and found out I had a negative XXXX dollar balance, mostly due to bank overdraft fee 's and penalties. At this time I attempted to close the account, and tried to pay what I thought was my actual expenses that came out of the account. ( I was actually double billed by my Student loan company. ) At this time I spent the next two hours trying to get them to close the account and settle up the difference of what was owed, minus and fee 's for their negligence. In this process they could not reach the right department, or could not find the right person to resolve the issue and close my account. At this point I am beyond upset, and am considering filing a lawsuit against the USBank. I need your help closing the account, removing any fee 's and help paying the actual money that I do owe to the company. During my two hours on the phone, they clearly demonstrated they should not be allowed to handle US citizens money, and the disorganization, and de-compartmentalization of the company clearly demonstrated they are attempted to defraud me as a customer. At this time, I now want my account immediately closed, and I will not be paying any fee 's or payments to close the account, including anything that was withdrawn from the closed account. This is the Banks error and they are liable for any payments withdrawn during that time. 

To anyone reading this statement, I do not recommend USBank to anyone, as they do not protect you as an individual customer, they care more about Bank prophets. They are a clearly should have their Business License, Operating License, Insurance, and another other US related rights revoked by the US government.
Product: Debt collection

An outstanding balance was owed for a monthly membership to XXXX XXXX. The full amount was paid on XX/XX/2022 directly with the gym. The gym confirmed they spoke with the collector and stated the full amount was paid. Multiple emails have also been sent showing proof of statement from the gym, bank statements with the manager of the gym cc 'd on each email. The debt collector states they can not call XXXX directly and that nobody has reached out. We confirmed verbally and via email with XXXX multiple times in the past month that the amount has been paid and they spoke with the debt collector saying the same.
Product: Checking or savings account

I put in a claim with SunTrust bank over a vendor that took my money for a service and never supplied the service or replied to any of my inquiries. The bank issued me a temporary credit for the amount, but after their investigation decided that they would reverse the temporary credit. They sent me notification of the reversal AFTER it had been done. The letter they sent was dated XX/XX/XXXX and it read as follows : " Based on this information, we will be reversing the temporary credit that was issued to your account in the amount of {$200.00}. The adjustment is scheduled for XX/XX/XXXX. '' Their inability to notify me before resulted in an overdraft and associated fees in that account. When I attempted to explain to them that they notified me after the fact, it was like talking to a brick wall. Eventually they reversed the fee, but their practices are terrible. This is not the first time I have gotten caught in their bad practices resulting in me losing money. You have to be willing to argue to get your money back from SunTrust even when it is their doing.
Product: Mortgage

We refinanced our mortgage for a lower rate. We went with a local bank instead of through our previous lender, Flagstar Bank ( MI ). On XXXX/XXXX/16 I made our last mortgage payment over the phone with a Flagstar representative. I received a confirmation e-mail. This past week my husband kept receiving calls from Flagstar Bank stating that the payment was not made due to " insufficient funds ''. My husband has $ XXXX in his account. The Flagstar representative did not take down the correct routing number. Our new lender wired the payoff amount to Flagstar Bank and it was returned since Flagstar stated that I we needed to pay additional fees of : {$340.00} in order to pay off the loan. On XXXX/XXXX/16 I called and paid the additional fees and the mortgage from XX/XX/XXXX. I tried over the phone to get the fees waived with no luck. I want Flagstar Bank to refund me the amount of {$340.00} for their errors. I should not have to pay a late fee for their mistake. Their errors almost demolished our refinance.
Product: Credit card or prepaid card

I bought items with my Chase credit card on Amazon for {$86.00} I returned all items to Amazon.They given me a gift card instead of putting on my Chase credit card as a negative.Spoken and sent all information to Amazon and Chase not resolved with both parties. I never asked for a gift card they just automatic given me a gift card they are forcing me to spend my money with them ( Amazon ) .I want a credit on my credit Chase card.
Product: Debt collection

I have no knowledge of this alleged debt and I did not open nor benefit from this account or any transactions made by this account.
Product: Mortgage

I was alerted by XXXX credit reporting that mortgage company, Selene Finance, fraudulently changed my home address on my report XXXX XXXX, 2016. The address they listed is a realty company in XXXX, NJ. I 've contacted my lawyer concerning the issue since Selene will not converse with me because a " cease & desist '' order is in place. Selene is well aware of my current home property address. If they do not rectify this fraudulent act, I will seek legal remedies.
Product: Debt collection

XXXX XXXX XXXX  is location in XXXX I believe, I do not know who they are. I am on State insurance. This is and should be covered by state insurance. 

But the dates DO NOT coincide with the dates I moved to XXXX. It can not be me as I moved to XXXX over a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DP of education, has violated my rights.

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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Afirm changes my account. With out my say so. I bin working with the company. And I getting the runaround. XXXX XXXX XXXX in CA. They have the paper work. It was XXXXdo you need me to fax paperwork to you. it's is not showing on acct.i send over-there showing on my bankstatement SHOWING THAT IT WAS .know answer. The bank is working change back. Can you help? I Thought it should be reported. I, what my money back.q
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not satisfied that Experian has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining account needs proper action to assure the maximum possible accuracy on my credit file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 my file at Experian 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 items from my file in accordance with paragraph ( 5 ), 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. Update the account below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I filed a chapter XXXX bankruptcy XX/XX/XXXX, see documents attached ( It 's been more than 10 years ). I filed a Chapter XXXX, discharged XX/XX/XXXX, see documents attached ( t 's been more than 8 years ). Equifax refused to remove it after I called them regarding a removal request. Experian has not remove them either. XXXX complied and removed both records from my credit report. See FICO credit report attached. I am XXXX and a XXXX retiree and my only hope is your assistance regarding this matter as this information affects my credit greatly. I am so grateful for your service! Thanks o much : )
Product: Student loan

I had subsidized and unsubsidized loans with Navient from XXXX to XXXX. When I signed on in XX/XX/XXXX it said the student loans had been paid in full. I never received any correspondence from the company again. I thought it could be part of the lawsuit where loans were being excused. Fast forward to approx XXXX my loans are now almost {$18000.00}, and were bought out by another company. So that is almost {$5000.00} more, and I was also considered in default. I do not believe this is fair! I can hardly afford the payments as is! They should not have been allowed to do this and not notify me! I work hard, and still can not afford the payments.Why should I have to pay all this extra interest and fees?!
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX - XXXX - {$3600.00} XXXX - XXXX - {$0.00} Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit card or prepaid card

Attached please see an email just received from an unknown source claiming it is a PAYPAL service email. I DO NOT have a Pay Pal account in my name or using this email address, which is my business email address ( Utah ) This came from : XXXX XXXX XXXX XXXX Inbox Search for all messages with label Inbox Remove label Inbox from this conversation Application usability # XXXX XXXX XXXX ( 2 hours ago ) to me XXXX One attachment Scanned by XXXX XXXX XXXX  : Application usability # XXXX XXXX to : XXXX date : XX/XX/2023, XXXX subject : XXXX XXXX XXXX XXXX mailed-by : XXXX signed-by : XXXX security : Standard encryption ( TLS ) Learn more It was about an order which I did not place : BILL # TO lncoice Number lnvoice Total XXXX XXXX {$2900.00} dear Member, Your payment settlement # Need # assistance? # : Dial us # 0rder # Summery # Item Qty Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Total {$2900.00} Payment verified Your order is now in queue for shipment If you have any queries regarding your order please call our customer service line at : XXXX I DO NOT WANT A PAYPAL CARD AND HAV ENOT REQUESTED ONE PLEASE REMOVE THE INITIAL INVESTIGATION REASON TO FRAUD ALERT ONLY
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 

XXXX XX/XX/2022 {$6100.00} DEPTEDXXXX  XX/XX/2022 {$4000.00} DEPTEDXXXX XX/XX/2022 {$3200.00} DEPTEDXXXX XX/XX/2022 {$6400.00} XXXX XXXX  XX/XX/2022 {$350.00} XXXX XXXX XX/XX/2022 {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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: Checking or savings account

On XXXX XXXX XXXX I deposited a check for {$6900.00} which I received from buying Home office setup from a propective employer. Once i deposited the check it was in pending status for whole of Friday and saturday the amount was added to my balance which I understood that is happened after the check got cleared. After the amount reflected into my account I withdraw {$6700.00} for the purchase of the office supplies as instriucted my the prospective employer. 

On XXXX XX/XX/2023 on checking my daily balance mail realised that my balance is lower than expected and when logged into the bank account found that the check {$6900.00} has been returned with message " Refer to Maker '', when I enquired with the bank ( Chase Bank ) they say that check was not cleared and they had actulally given me temporary credit. I checked with them how would customer know that its the temporary credit and not the actual check getting cleared to which they do not have any answer but they can't still raise a dispute for the same with the counter part bank which check was given to me. 

Due to bank 's temparory credit, about which I was not having any knowledge not was informed my the bank I lost money. When i tried contacting the issuer of the Check now he is not responding and rulling out any help about my loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiry were made on my credit report on XX/XX/2019 without my signature and consent
Product: Debt collection

As of XXXX XXXX, 2017 Hyundai Finance is reporting a negative credit reporting to the XXXX XXXX XXXX XXXX and Monitoring that payment is pass due in the amount of {$890.00}, Ref [ Case number : XXXX ]. I have not received any billing in the U.S. Mail or Email for the pass due amount and not a response to my last submission referring to the Hyundai Car Registration Payment and the Early Termination Fee ; which was not a bill. Hyundai Finance first stated that payment was made in full, no payment was due, not even the early termination fee. [ Case number : XXXX ] reference that XXXX XXXX XXXX did not make the full payment as first reported and now request that I make the payment as disputed, which was confirmed again the payment was made in full. I noted that there was a disputed within the XXXX XXXX XXXX XXXX regarding the Trade-in which I received a letter from XXXX XXXX XXXX asking that I return XXXX XXXX because finance was not approved as of XXXX XXXX, 2017. I received the certified return receipt notice dated XXXX XXXX, 2017 in my mail box 15 days after the date of the letter along with several Letters regarding denied finance for the XXXX XXXX. When I did bring the XXXX XXXX to turn it in, XXXX had agreed to Finance the Auto.
Product: Checking or savings account

The checking account had {$560.00} on Friday XX/XX/2023 when I received the notice of involuntary closure on the checking account. Since XX/XX/2023 Ive contacted the bank every day to get an update on when I should receive a refund for the remaining balance in my closed checking account. Ive been given the run around, the bank agents stated you will receive the refund in 3-5 business days however its been well over 3-5 business. Every time I call to get answers they repeat the same 3-5 business days response, or they would hang up on the call. I would request to speak to a supervisor for better assistance, they would refuse to get a supervisor on the call and hang up the phone. I have recordings of all phone conversations Ive had with this bank since they closed my account for odd reasons. I also have emails to them, they never replied to. I was told that I would be contacted by someone ( fraud team and supervisor ) no one contacted me. This bank ( Current Bank or XXXX XXXX XXXX ) has not made any efforts to resolve this matter, they had not made any effort to refund the remaining fund in the account that was closed on XX/XX/2023. Todays date is XX/XX/2023 and I have not received any correspondence from the bank regarding an update on the refund of {$560.00}. When I contacted the bank I received the same message every time. I didnt receive any assistance or valid information for this claim.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against CHASE " JPMCB CARD '' for inaccurate credit reporting, violations of the Fair Credit Reporting Act ( FCRA ), and fraudulent practices that have caused me statutory damages. 
My credit report shows XXXX accounts with CHASE " JPMCB CARD '' as " charged off ''. However, I have not received a Form 1099-C from the creditor, which is required by the IRS when a debt is forgiven or canceled. This inconsistency raises serious concerns about the accuracy of the information being reported and the creditor 's practices.

Under the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies have a duty to provide accurate information. The discrepancy between the " charged off '' status and the lack of a 1099-C form suggests a violation of this provision.

Furthermore, 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation of disputed information. I believe XXXX has failed to properly investigate and correct this inaccuracy, despite my attempts to resolve the issue directly with them. 
Additionally, this account is not being reported consistently to all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). While only reporting on XXXX. This inconsistent reporting further violates the FCRA 's requirement for accurate and complete information, as stipulat

ed in 15 U.S.C. 1681e ( b ). I am concerned that this situation constitutes fraud and extortion. By reporting the debt as " charged off '' without issuing a 1099-C, the creditor may be attempting to collect on a debt that has been forgiven for tax purposes, while simultaneously damaging my credit. This practice could be seen as an unfair or deceptive act under 15 U.S.C. 45 ( a ). The inaccurate reporting has caused me significant harm, including statutory damages as defined under the FCRA. According to 15 U.S.C. 1681n, I may be entitled to actual damages, punitive damages, and reasonable attorney 's fees for willful noncompliance with the FCRA. I request that the CFPB investigate this matter and require [ Creditor Name ] to : Provide documentation supporting the " charged off '' status Issue a Form 1099-C if the debt has indeed been forgiven Correct any inaccurate information on my credit report Ensure consistent reporting across all three major credit reporting agencies Cease any attempts to collect on this debt if it has been forgiven Compensate me for the statutory damages incurred due to their inaccurate reporting The failure of [ Creditor Name ] to address these concerns has caused significant damage to my credit and financial well-being. Their actions appear to be part of a pattern of behavior that the CFPB should investigate, as credit reporting issues continue to be the most common complaint received by your XXXX. 
Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with federal law, protects consumers from such practices, and provides appropriate compensation for the damages I have suffered.