23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I checked into the XXXX XXXX & XXXX in XXXX XXXX for a 3 night stay. A $ XXXX/day hold totaling {$150.00} was held for a deposit which i used my paypal cash card to put the deposit on. I checked out on the XXXX which at that point XXXX released my deposit & gave me the final total minus the {$150.00} hold. On the XXXX of XXXX I went to the front desk & asked if they could give me a copy of the transaction & fax the release on their part 2 paypal cuz that's what PayPal was asking for so the XXXX XXXX did just that with the XXXX letterhead along with the fax confirmation with the cover sheet which I have a copy of as well showing the fax was a success. Was told that once they received the fax that funds would be released within 24-48 hrs which I have yet to see. The fax was sent on the XXXX of XXXX so I contacted them today by way of text per instructed by customer support becuz their phone system was down due to virus so i contacted them about my {$150.00} deposit. They kept telling me that a fax had to be sent by the merchant ( XXXX  XXXX ) on their letterhead which had already been sent stating that they had charged what they charged me for my stay & that the deposit amount needed 2 be released back to me. As I'm trying to explain to them about this issue I kept getting told I was being connected to somebody totally different who would tell me the same exact thing about how the fax needed to be sent by the merchant. I have the confirmation sheet that shows it went thru to them & I want my money back that they owe me. They just keep giving me the runaround. Which I have another {$150.00} deposit that is due back 2 me when I checked out on XX/XX/XXXX from another 3 night stay which I'm sure will be the same way with them acting like they don't have anything from XXXX XXXX. In a 30 min or so conversation i was connected with 5-6 different people over the same issue which i had to keep explaining the same thing. I have all the text messages between me & the 5-6+ people I was transferred to & the fax document from the Hotel if you need those at a later time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts with XXXX XXXX  as well as the Credit Agencies to CORRECT the INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I have NOT received an Answer to the 3rd Request to XXXX  regarding a specific account ( s ) reporting Utilization. THIS IS A VIOLATAION OF THE FEDERL LW. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. XXXX Continues and refuses to delete and remove utilization and ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms of information ANY OTHER ADVERSE item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. They were Noticed and demanded to STOP and or Adjust the utilization. THEY DID NOT Completely ignoring the Law. I want the utilization corrected immediately!
Product: Bank account or service

Recently Chase decided that " COINS '' are no longer a valid currency at their banks and that they would no longer accept loose change.
Product: Mortgage

My complaint is not about paying my mortgage. I am trying to refinance my mortgage. I had a loan modification. I need a copy of this modification to begin refinancing my mortgage with another bank. Select Portfolio Servicing is my mortgage carrier now. I have tried since  XX/XX/XXXX  to get a copy of my modification agreement. Every time I call I am told a different date when they will fax it to me. First it was 3 days, when I did not receive it I was told I would have it  XX/XX/XXXX . When I did not receive it then I was told they had 5 days until they had to send it. 5 days passed and again I did not receive it. I called back and said that I was contacting your company in 2 days if I did not receive the paperwork. They said do what you have to do. I gave them a week and I still do not have my paperwork. So now I would like to file a complaint against Select Portfolio Servicing.
Product: Prepaid card

I received a prepaid visa from XXXX. The card expired but had a balance of {$50.00}. When calling the number on the back XXXX ( XXXX ) They said the money was gone and they could not reissue a card. I asked where the money went. They said " I would be only lying if I told you '' There seems to be no way to get any more information or resolution from them. 
XXXX basically gave them {$50.00} dollars in my name. 
I feel this is a scam as I tried to use the card before it expired at locations listed on the website, but the retailers I selected would not accept the card. 
Where did the money go?
Product: Credit reporting

I 've been asking Equifax to assist me with correcting information on my credit report for more than 4 years. It seems they have some incorrect personal information because I can not be " verified '' using their automated system. 
I 've called, which leads to an automated system that hangs up on me, i 've attempted to use their web service for disputing errors, and i 'm not able to login because i 'm not able to be verified, and i 've written letters, but never received a response to a letter.
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 time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transaction settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Mortgage

I went to XXXX XXXX onXX/XX/XXXX to refinance my house so that I can buy and investment house. I gave them all document they need. the same day they ask for it the got in with no delay in my part.

I told XXXX I had closing date was lawyer gave was XX/XX/XXXX with a 30 days more I extension which dateXX/XX/XXXX. I saw that we were getting close to the date, so I call XXXX and he telling me I had a modification loan years ago ( this was another night mare ) and it came up in the title and that I had to pay that back. Well XXXX knew this from the beginning. So the went and modified the problem. then started delaying more and more passing both closing estimated date. With no return calls and any feed back. I call branch manager and gave me attitude like I was wrong the nerve. I call and told them they need to call my lawyer for extension. They call my lawyer office and told them they need extension because I did want to close with the 6 % the were offering.

This is all a lie first they gave me a rate for refinance 4.1 and investment home 5.0 and I was ok with it. I then figured out the game they wanted to wait to rate goes up so that the can make more money off me.

Wells Fargo is the worst bank I dealt with, I need someone to investigated my account since day one I open a mortgage XX/XX/XXXX and to investigate the transaction that happen recently on XX/XX/XXXXto XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well for the last few months I have been sending Trans Union, XXXX, and XXXX 609 credit dispute letters for the following accounts. XXXX XXXXXXXX XXXX   account number XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Each of the credit bureaus have failed to send me any contract with my signature as it states under the 609 section. This is hurting my ability to get credit and it is unlawful and not fair. Its has been two months and they are supposed to provide proper documentation or the unverified accounts they where supposedly to be deleted and so far have not. I thought the days at the most.
Product: Debt collection

I just recieved my credit report and I noticed they someone must have been XXXX XXXX XXXX. These derogatory items wasn't meant to come to be on report
Product: Money transfer, virtual currency, or money service

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

Made several attempt to the company dba Shellpoint mortgage to have business as NewRez caliber home loan etc. when this account was created it was with first home mortgage, then went to caliber home caliber home mortgage now Shellpoint. I am in a dispute with and requested documents. In there correspondence the told Me my request is to broad and that they dont have to provide me anything outside normal scale. They also told me I am not privy to private information about the alleged loan, between them And their contracts. And that I can go look on Public records for anything that I may need.

I have already done this and no real information was provided. My suspicion is of fraud, misrepresentation of me and embezzlement, dishonor in connection with this account. They claim to have title to a loan. And are the servicing provider. None of it is legitimate. I have rescinded my signature on this account, no one has provide me any real information and provide proof a payment was given nor can they produce the original signed promissory or any wet ink documents with my autograph on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/XXXX file # XXXX, However it's been more than 30 days and this is not making sense. According to the Law 15 U>S> Code 1681, Procedure in case of disputed accuracy. If the completeness of accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency directly or indirectly through a reseller of such dispute, the agency shall free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of 30 days period beginning on the date on which the agency receives the notice filed with CFPD via the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint on behalf of myself and there is NO THIRD PARTY before yall start that stupid excuse to not review my complaint. The purpose of this complaint isn't to get these accounts verified or validate. 

The purpose of this complaint is to ensure these account be permanently removed from my credit report and for the credit agencies to stop lying, falsely and misleading me about who is furnishing this information that is inaccurate reporting on my consumer report. The Bankrupcty Case Number : XXXX and XXXX list Bankrupcty court as the furnisher and I contacted them and they DO NOT REPORT TO THIRD PARTIES OR ANY CREDIT REPORTING AGENCY. So I would like to know where did you get this incorrect information from because XXXX XXXX is not reportiing this incorrect information. So where is the accuracy and fairness of reporting because it sounds like someone is lying and its not the Courthouse. Not only is this false and misleading but its very inaccurate reporting and has caused me emotional stress for no XXXX reason and ruined my chances for several home buying opportunities that has caused me financial burden becuase you you choose to ignore right from wrong. You expect me to abide by the law but these credit agencies always ignore the law and do what the XXXX they choose to do well this needs to Stops TODAY. I demand these accounts be DELETED or I will seek legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not apply for credit during these times/dates stated below these are unauthorized inquiry i called the XXXX major credit bureaus and they told me to file a complaint with the cfpb and reach back out to them in a couple weeks XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/2021 Experian XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Experian XXXX XXXX XXXX XXXXXX/XX/2021 XXXX
Product: Debt collection

The below is the email I received. 
Final Notice Case File No : XXXX Personal NATIONAL CREDIT ADJUST XXXX XXXX XXXX ( 2 hours ago ) to me Dear : XXXX XXXX, We have given you every chance to resolve this matter outside the court house but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment, we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit if you pay settlement amount today. This will be your final opportunity to resolve matters without the expense of court proceedings. 



At this time your case file has been marked as a primary suspect, so at this time if I send you something in a writing its defamation of character, as well as it was mentioned in the contract paper between you and the company that if a person is failing to repay loan in a stipulated time period, then the company is not able to send you any kind of written documentation, FDCPA rules and regulation under the section us law [ 15 USC 1692c ] 805 ( b ) you need to check it out or you can also ask for any federal attorney. 



3 Hard allegations have been pressed against your name and your all information. 



1. Violation of Federal Banking Regulation. 

2. Collateral Check Fraud. 

3. Theft by Deception. 



Financial and personal contact information are current per our skip trace. 

Personal information regarding this account obtained with a recent skip trace : Debtor : XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Drivers License : XXXX Bank name : XXXX Account number : XXXX Routing number : XXXX We are prepared to proceed with legal action. However, our company would prefer to give you one last opportunity to make payment and avoid legal action. 





If you take care of this out of court then we will release the clearance certificate and we will make sure that no one will contact you in future. 



Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. 



Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you, Sincerely, NATIONAL CREDIT ADJUSTER,
Product: Credit reporting or other personal consumer reports

XXXX XXXX with account # XXXX opened on XX/XX/XXXX 1681 ( b ) and a balance {$11000.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX 1681 ( b ) and a balance of {$2000.00}. This account was off and no longer owe money to this creditor but it's still showing a balance due. 

XXXX XXXX XXXX with account # XXXX opened on XXXX and a balance of {$6200.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due.
Product: Credit card or prepaid card

My credit card was fraudulently used in XXXX of 2022. I alerted Citi bank as soon as I realized the two transactions had occurred. They assured me I would receive a refund for the two transactions. I received a temporary credit but it was withdrawn and my dispute was denied. Supporting documentation was sent from the merchant and I have called several time trying to resolved the matter but I am repeated denied a refund on funds that was stolen from me. I am willing to produce witnesses and affidavits to attest to my whereabouts. Also, the merchant, XXXX XXXX XXXX, confirmed that one of the two purchases can only be made with the park itself, not online.
Product: Student loan

I am currently enrolled in school, so interest should not be accruing on my loans since they are all subsidized and I should not need to make any payments. However, my autopayments began on XX/XX/23. I contacted Aidvantage about this on XX/XX/23. Their automated reply promised a response within 2 business days. I am afraid to stop paying in case this affects my credit score. It is now XX/XX/23, and I have received no response from Aidvantage at all. My loans were previously managed by XXXX.
Product: Credit card or prepaid card

Recently, I paid off my credit card balance with CitiCards. Today, I logged into their mobile application and could not see the statement generated for XXXX. CitiCards did not produce a statement for the period even though there was a starting balance and 3 payments made, totaling {$5500.00}. I used their online chat to report the issue and the representative ( XXXX ) advised to check their full website. I did this and the statement was not present. Then, he claimed that they do not generate statements when the ending balance is XXXX. He offered to physically mail one to me. 

I asked for escalation and he told me to call the call center. I did as instructed and was advised by XXXX that she reviewed with her leaders and they agreed that they do not need to provide statements when the ending balance is XXXX. 

I see this as a clear violation of Regulation Z Section 226.7. Please investigate and advise.
Product: Debt collection

In XX/XX/XXXX, we moved out of an apartment complex ( XXXX XXXX Apts ) with all rent and fees up to date and in good standing. 

There was no contact from them about any outstanding debts or rent owed. On XX/XX/XXXX, I receive a letter from National Credit Systems , Inc . They claim I owe {$630.00}, the price of rent from the apartments with the apartments listed as the client. I send on a dispute letter asking for verification. 

They sent another letter on XX/XX/XXXX where they said they are aware I dispute the amount and did not find sufficient evidence to support my claims. With this, they included a document which " itemizes the charges assessed by the original creditor '' this breaks down that rent was XXXX nd utility charges were XXXX, which match the rates at the time of leasing from them, but nowhere on the charges does it state which month this is supposed to be due for. 

I sent them a reply which asked which month this was supposed to be for and that I do not want to pay for something that was already paid for. My roommate of the time has bank records of all our months of paid rent and we could provide evidence but they do not say what this is for so we have no way to provide the evidence. The only date on the verification was our move out date, and our bank records have that month as paid. 

Next I received a letter from XXXX XXXX ( lawyer ) on behalf of the collectors. He just repeated the same information and I once again asked for more specifics. his first letter was XX/XX/XXXX. 

On XX/XX/XXXX, after asking for the specifics of the debt to be able to counter their claims, I received another letter from XXXX XXXX notifying me that their client was willing to settle at substantial savings to me. I replied that I was willing to settle for {$0.00} and to have the matter taken off my credit report as I still believe this is not something I owe and proof of what month this is for was still not provided. They have not responded since.
Product: Mortgage

I sent a payment of {$1900.00}. This payment was placed in escrow without my knowledge or my agreement. I made an inquiry to this payment in XXXX of XXXX and was told it would be taken care of. 
I was told that the payment was placed in escrow since it was a partial payment ( short {$99.00} ). Payment currently just increases from {$1500.00}. I believe your company to be honorable and would ensure it would do as it said. When I noticed in XX/XX/XXXX that the payment still was not applied correctly to my account. I called your company and insisted that I speak with a supervisor. I was told the payment was never removed from escrow and that made my account appear to be three months behind. During this conversation, I was once again ensured that the payment would be moved from escrow to my principal mortgage payment account. I requested that any interest or fees that accrued due to the displacement of the funds be removed or refunded to my account. I was once again ensured that this would also happen. 
In XX/XX/XXXX I called your company back once again because I notice the payment was still not applied to the correct account. I went through the process again explaining the problem and was ensure all corrections would be made as requested. Still, no progress was made on moving the funds to the correct account as of XX/XX/XXXX when I made another inquiry to why this problem persists. I was told this problem would be corrected by XX/XX/XXXX. I waited and called back to see if this was truly the case because, at this point, I have lost complete faith in anything I am told by your agents. Once again, I asked to speak with a supervisor, I was informed that the money would not be moved because it was past the six-month period to dispute. 
I have been calling and disputing this issue since XX/XX/XXXX and now I am told that is can not be done due to time expiration. I was not informed in writing about the moving of my payment to escrow. I received no notice asking me if this was something I agreed upon. Each time I call the person I speak with has no record of the previous call or transcript of the calls. 
I just received a denial letter from LoanCare which stated the same thing that they said over the phone. In the document attached they only included payments from XX/XX/XXXX until the present. My problem with that is why not send all my payments on the account so I can see how everything has been applied to my account.