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

On XXXX XXXX I made a purchase to upgrade my operating system as I was having issues and the only fix was to upgrade so I purchased XXXX XXXX XXXX  for the amount of {$2.00} from Company name XXXX and this happened to be a side bar advertisement so I decided to give it a try. Purchase was made and email confirmation was sent all was good. So I followed the instructions that was detailed in the e-mail which included the authentication product XXXX XXXXy to activate XXXX I proceeded and all went well until the next morning I tried to get on my computer and the hard drive was making funny noises and didn't sound good... So I was able to get my computer up and running but for some reason I ended up purchasing another copy of XXXX from the same software company XXXX which was on the XXXX XXXX XXXX XXXX for the amount of {$3.00} and same process got email confirmation and receipt of my purchase and everything was good computer was running perfect for what I thought until somehow I started to see a bunch of files scattered all over the place from XXXX XXXX and clips of the XXXX XXXX XXXXXXXX XXXX to a bunch of other pictures I would never in my life ever search for on the internet let alone download or save to my computer, then the system completely crashed and hard drive ended up completely fried and not useable. Well on the XXXX or XXXX of XXXX I was going thru my checking account statement and saw a different amount had cleared my account so I immediately called my bank to dispute the charges. The two transaction amounts that cleared were for the amounts of {$52.00} and XXXX and posting date was Sunday XXXX XXXX XXXX So i opened up a dispute for both charges and was given a credit for the two charges and then the same credits were reversed out of my account as I was told there was no error occurred, but there was a huge error that had occurred and I submitted supporting documentation with the dispute to prove the incorrect amount cleared my account and these charged needed some serious attention to be fixed. I was told there was nothing I could do about the charges and that there was no error on the financial institution side and I even attempted the get the charges fixed by contacting XXXX directly and got no response. So I was left with extra charges and not to mention a computer that was no longer useable so I have been sitting trying to figure out who I could contact to get help with this issue as its stealing and definitly not a way of doing business. So I am trying to see what I can do about these unresolved charges that I should not have to take a loss on considering my bank should have fixed the errors that had occurred with the amounts that I was charged being significantly higher then what I purchased the software for which is listed on my receipts.
Product: Credit card or prepaid card

XX/XX/2023 Received an approval letter which I didn't request nor applied for application. Days later received a credit card ( XXXX XXXX ) that I did not request nor applied for. Requested for the bank to cancel and completely close account and remove the account from my credit history.
Product: Mortgage

this is the worst company to deal with. customer service is awful. i ca n't get ahold of anyone. the website is so incredibly bad that you ca n't pay a bill. so the only way to make sure you pay on time is to pay by phone for a ridiculous pay-by-phone service charge. they are the bottom feeders of the mortgage world. this is my mortgage, and i ' the one paying back a quarter of a million dollars and i can not deal with the company i 'm giving my money to. i believe i should have some say in where my mortgage goes and who is handling it. Based on EVERY review i can online says this company is evil. someone should take a look.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information on my credit profile. They are remaining late payments as 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 

A late payment can not be reported as 120 days late in XXXX XXXX XXXX and then reported as 90 days late in XX/XX/2024. That is inaccurate reporting and a violation of my consumer rights. 

Per consumer law- 15 U.S. Code 1681- Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Student loan

First off, I want to state that this issue was eventually resolved by Navient. I have only just learned of the lawsuits pending against Navient, however, and wanted to submit this information in case it might be pertinent to the legal issues at hand. 

In XXXX, I applied for my income-based repayment planned to be renewed. When Navient responded, they sent a letter stating that my application was denied. I contacted Navient by phone because I felt I qualified for the renewal and wanted to know why they had chosen to deny it. The Customer Service Representative with whom I spoke put me on hold while she checked my account. She then informed me that my receiving the letter had been the result of " a glitch '' and that my repayment amount would stay the same ( {$0.00} ). She also assured me this payment amount ( {$0.00} ) would run for one year after my initial plan ended and the renewal began. 

Not long after speaking with the CSR, however, I received an email from Navient telling me that my monthly payment would increase to {$63.00} and the first such payment would be due on XX/XX/XXXX. 

I made by second contact to Navient through a form on their website. The representative who responded told me the same as the first -- my application had been received, processed, and approved. I was told that it would go into effect before the XXXX due date so there was nothing for me to worry about. 

I logged into my Navient account on XX/XX/XXXX to check to make sure the payment had been adjusted. What I found, however, was that my account then showed as " PAST DUE '' with a new payment amount of {$120.00}! On that date, I contacted Navient for the third time total, my second written communication ( again, through their website ), and demanded immediate action before my credit rating was effected and late fees accrued. 

After that third contact, my account payment balance was finally reset to {$0.00}. 

I have renewed that same plan in XXXX and again in XXXX without issue. 

Again, this matter was eventually addressed by Navient but it took my contacting the company 3 separate times over the course of 3-4 months for them to correct an issue which I was assured to be correct from the outset. It is my opinion that this was an attempt to  strong-arm me into making a payment ( or multiple payments ) when I was not financial able to do so, and I found these tactics quite unethical. 

( Because this happened more than two years ago, I have very little proof. The written communications through the website are no longer accessible on my end, as communications older than one year are routinely removed from the message system on site. These communications should be included in my account history. The one thing I still have and am including as an attached image is a copy of the third communication that I sent in this matter. By that time, I was concerned that I might have to pursue legal channels, so I made a point of keeping a copy. )
Product: Credit reporting or other personal consumer reports

There were two types of accounts opened in my name with Sunbit. 
One is a credit card for {$1600.00} One is a loan for {$4800.00} I attempted to contact the company which stated they could not find an account. 

They show up on my XXXX Credit Report. I have filed a dispute with them. 

Credit score on XXXX going down due to lack of payments.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a complaint against Goldman Sachs Bank USA for inaccurate reporting of my account on my credit report. Account XXXX XXXXXXXX is listed as charged off/ profit loss but is still reporting a balance. On XX/XX/year> the company responded and stated that the debt was not charged off for profit loss, which my credit report clearly shows. At this point I am prepared to sue Goldman Sachs Bank USA for statutory damages for fraud and violation of the FCRA if this account is not deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Mortgage

XX/XX/2014 XXXX XXXX wired Nationstar {$170000.00} Nationstar has refused to provide disclosure of its acceptance of this amount or its specific payment allocation in a final payment history, after reversing 9 payments 4 1/2 years after the payment was allegedly accepted by Nationstar, only giving partial disclosure of the incomplete reconciliation of the loan, causing inaccurate credit reporting for four years.
Product: Debt collection

XXXX XXXX XXXX firm trying to garnishee my bank account from a debt from XXXX first that said the debt was XXXX XXXX yrs later the debt is XXXX I spoke to someone in the firm today ant they said they reopen this garnishment back in XXXX of XXXX I havent received no paperwork saying nothing about the case reopen all of a sudden Im getting a letter in mail said my bank account being garnished status of limitations say XXXX yrs they cant charge me I just need some advice of what actions I need to take
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May concern : Verifying my report with the XXXX  agency I noticed that there are accounts that do not belong to me affected my score and credit history with them, I have never had an account with 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. 

Also variations of names such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Variation of social insurance # XXXX that does not belong to me are reported. 

I wish only to report my correct address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, P.R XXXX.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account.These fees were assessed despite having sufficient funds available at the times the transactions were authorized. However, due to delay posting or charges and credits, I was unfairly charged overdraft fees. 
These issue appears consistent with recent findings by the CFPB which is identified by similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

Sometimes in XX/XX/2010, my wife took my daughter to a local XXXX Hospital in XXXX XXXX, California ER for a XXXX visit. The hospital charged us a bill over {$7000.00}, and we were left with about {$1400.00} after insurance paid out. We requested the examination of all the charges and found out some charges incorrect and consequently we submitted a bill dispute with proper depart. of the hospital. Finally, we received a letter dated XX/XX/2010 from the hospital 's billing business service partner XXXX XXXX XXXX stating " The charges have been resolved. '' And I kept the letter in file. 
However, shortly after a debt collecting agency CBSJ Financial Corp. started unstoppable calling and writing to my wife with threatening languages like reporting credit bureau etc despite my wife told them the matter has been solved between hospital and us. At that time I was oversea and didn't know this. Finally my wife couldn't bear the emotional pressure and continuing harassment and wrote a check of {$1500.00} as the CBSJ demanded to get her peace. In other words, my wife paid CBSJ debt collector for non-existing debt in exchange for a quiet life. 
I just found this out when I was cleaning up old document which includes my wife 's notes on an envelop and conversation with her. I was so upset by CBSJ such  abusive practice for collecting non-existing debt through harassment and angry at XXXX Hospital apparently sold the already solved debt dispute to a knowingly abusive debt collector.
Product: Checking or savings account

On XXXX XXXX at approximately XXXX XXXX, I attempted to deposit two checks ( both written on the same account, both signed by my father, one for {$1.00} XXXX and the other for {$5.00} XXXX ) and {$400.00} cash into the ATM at the Bank of America branch on XXXX XXXX in XXXX, VA. The ATM accepted the cash but would not accept the check check for $ XXXX, giving the message that the amount was too large and it I proceeded, the check would be returned to me. I was unable to cancel the transaction, so I just waited and did nothing. The ATM kept my debit card, did not give me a receipt for the cash or either check, and did not return either check. 

Because the bank was not yet open, I immediately went home and called customer service and the representative entered a claim for me. The largest amount that the representatives can enter for a claim is {$99.00} XXXX, so that amount of the claim entered does not accurately reflect the disputed amount. 

At approximately XXXX XXXX that same morning, I went into the bank associated with that ATM and told them of the problem. They took no action, saying they did not have access to the ATM. However, the substitute bank manager did tell me that there is no dollar limit on check deposits to the ATM, so it makes no sense that my check was not accepted. 

Viewing my account online later that day, I saw that the {$400.00} cash and the check for {$5000.00} were accepted as deposits but there was nothing listed for the {$1.00} XXXX check. 

I have called everyday the bank was open since then ( today is XX/XX/XXXX ). The bank will not tell me why they would not deposit the check nor where the check is nor whether it will be returned to me. I have spoken to people at the branch as well as people who answer the phones for claims and none can provide these answers. 

I did receive a message via the bank web site stating, " The deposit contained an item that either was not a check or was otherwise unacceptable for deposit. '' I would like the check to be deposited into my account.
Product: Credit card

I prepaid for an XXXX rental car on XX/XX/year> in the amount of {$1200.00}. Then when I returned the car on XX/XX/year> ( with a full tank of gas an no damages ), I noticed on XX/XX/year> that XXXX charged me again {$900.00} and {$500.00}. XXXX has not provided me a receipt for these XXXX charges or explained what the charges are for. 

When I called XXXX to request the refund of those XXXX fraudulent charges, they said they had no record of those XXXX additional charges because the XXXX XXXX I rented the car from was in XXXX XXXX and that was an XXXX franchise location. XXXX sent me an email requesting that I provide proof of those XXXX charges on my credit card, and I immediately did, but XXXX has not made any progress since then. I have NOT been provided any receipt or documentation of what the {$900.00} and {$500.00} charges are for ( isn't that illegal? ) I have now disputed these XXXX charges on my Bank of America credit card and they are investigating. My main issue is with XXXX. I'm attaching XXXX XXXX documents that prove I prepaid for the vehicle on XX/XX/year> for {$1200.00}. Other than the charges on my Bank of America credit card, I don't have any paperwork for the other XXXX fraudulent charges because XXXX has never provided that to me.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX paid for deletion to remove the derogatory mark from his credit report. 
On XX/XX/XXXX NCA ( National Credit Adjustment ) Reported that this was paid but was not removed from credit report as requested thus violating FCRA rules and regulations. 

XXXX XXXX XXXX has paid for deletion and these collections accounts must closed and removed from credit report or further legal action will take place.
Product: Checking or savings account

I had XXXX XXXX Withdrew and I didn't even get any money. They just charged me when I got my XXXX put back in
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report, as I am a victim of a recent data breach. Under my rights pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these inquiries be removed to prevent any further unauthorized access or potential fraudulent activity. 
Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year>
Product: Debt collection

Asked for debt verification but never received the paperwork. I sent a debt validation letter certified and the XXXX XXXX said it was delivered on XX/XX/year> to the debt collector, National recovery agency. However, they decided to call on XX/XX/XXXX to collect when they are supposed to seize all collections until debt was verified. I still haven't received any information on this debt therefore they need to stop collections.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that the lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but had also allowed repeat offenders to exploit the system, leaving others vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I have a Brooks Brothers store credit card. Thats all I want, Brooks Brothers now wants to cancel my store card and issue me a Master card account. I dont want the Mastercard and just keep the store card.They say I cant., If I dont take the Mastercard they will close my store account., I have no choice.

That is NOT what I wanted when I applied for the store card only.

Tell them I just want the store card, NOT the Mastercard.

I have enough credit cards.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX there should be no other names or address listed on my report. 

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 Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card

I lost my job and got behind on my Discover Card payment. I contacted XXXX XXXX, a debt management organization, to help me consolidate my debt to get it paid off. I contacted them, but did not sign any agreement forms with them. On the advice of the Counselor they advised me to get my entire credit account number by calling Discover, this was in the month of XXXX 2015, since I no longer had the card. I called the XXXX number for Discover and was transferred to the collections department. I spoke with the representative and reiterated many times I have not signed with a debt management program I just need the account number. The Discover Collections representative threatened to send my account to their " attorney '' if I hung the phone up. So I was forced into signing up with their collections department 's program if I did not want them to turn my credit card account over to their " attorney. '' I discovered that what they did was unethical and perhaps illegal. I contacted Discover and was assured by a " manager '' that my recorded/monitored call would be listened to and they would follow up with me to know the outcome. I made numerous calls over the next two months to see if what that Collections representative did was unethical/illegal, but to no avail. Fast forward to XXXX I have signed up with XXXX XXXX for debt management services. XXXX contacted me letting me know that Discover had me in their Collections Department debt management program, therefore I could not be in XXXX 's. I was livid!! In XXXX 2015, I called Discover and spoke with a Manager who assured me I would be taken out of Discover 's debt management program. The Manager also said she would forward my complaint on to the correct department. I do n't believe Discover one bit I think they are scammers and if that Collections representative used unethical/illegal collections tactics with me he will use them with everybody
Product: Debt collection

I am being called by Portfolio Recovery at least 5 times a day. Just today, they called me from 5 different phone numbers, a couple from other area codes! I try to block the numbers every time, but day after day, I get call after call, always from a different number! This account was settled with the origional creditor, and I hold current accounts with that bank right now. I want Portfolio Recovery to STOP calling me at al, much less 5 times a day from 5 different numbers!