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

Hello, I am a very stressed out when dealing with XXXX - XXXX Stores and the account that was formerly XXXX XXXX, who is no longer in business. The issue began in XXXX of this year. I called and asked what the payout would be and sent it by mail for my ailing mother who had been hospitalized for over two months. Her bills where late and we paid with the money she had set aside for bills. I later got a statement for a late fee, unexpectedly and I tried to dispute but nothing was accomplished. The agent said the pay out was a day late in the mail and we owed the forty plus dollars in the late fee. I informed them that I was told that I sent the money to pay out and that everything would be fine. I asked if I can get this resolved and they stated that there was nothing to do other than writing a letter explaining what happened. I did as told in XXXX and in XXXX I received another late fee and no response from the company. I was told by another agent that someone would get back with me that month. It now has been several months later and no one has responded by phone or mail. The late fees and interest has accumulated to {$350.00} dollars and the account has been closed since last year and we have no purchases in over a year. We feel as if this should have been resolved and contacted to put this to an end. We do not feel that this balance is ours and that they are taking advantage of our mother in this situation. She is elderly and still sick at the moment. We would like this to be resolved but we are not getting anywhere with communication with the company.
Product: Debt collection

On XXXX/XXXX/2015 about XXXX Jefferson Capital Systems Collection Agency sent a person to my apartment to deliver a Summons court order from XXXX county court. Only my XXXX XXXX XXXX and my XXXX XXXX XXXX daughters were there and he forced my older daughter to sign these documents. Since she 's a minor she should n't had been force to sign just to get these documents delivered? or does she?
Product: Checking or savings account

Dear Chase Bank, I am writing to request a correction for claim number XXXX, as a mistake has been made on Chase 's end. Here is what happened : - I placed six separate orders from XXXX XXXX  for beanies ( hats ) and other clothing. 
- I returned all six orders due to poor quality and I photographed the entire packing process.

- I was refunded in full for five of the six orders, but was only partially refunded for order XXXX. 
- I contacted XXXX XXXX  and they claimed that I only returned XXXX of the XXXX beanies. 
- I sent them photographic proof that I returned all XXXX beanies and they refused to refund me in full. 
- I opened up a charge back through Chase for {$760.00}. I was temporarily refunded, but over time, Chase ended up reversing every transaction.

Here are the documents I will attach : - Photo XXXX : An 18x18x18 box with beanies in four columns.

- Photo 2 : The 18x18x18 box with the flaps flipped up, making it an 18x18x27 box, filled with all 110 beanies.

- Photo 3 : The box fully packed and ready to ship.

- Photo 4 : A close-up view of the return label.

- The order invoice for order # XXXX. The transactions that I was not refunded for begin on page four.

- The email correspondence I had with XXXXXXXX XXXX 


In my claim, I provided photographic proof of an 18x18x27 box filled with 110 beanies. I explained that there were four columns of beanies and that each beanie is about an inch thick. The box is 27 inches tall. 27+27+28+28 = 110. I will provide those same photos again.

Whether through malice or negligence, XXXX XXXX stole {$760.00} from me. There's no information that Urban Outfitters could have provided that would contradict my claim. The only thing I can think of is that XXXX XXXX provided receipts of the refunds they sent me for the other XXXX orders and Chase mistook those for order XXXX. 

I've banked with Chase for years and have never had an issue. Chase is supposed to protect me from fraud, and I'm the one who has been defrauded. It's egregious and insulting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The manager or an employee at One Main Financial approached me with an offer to postpone my payment. I agreed, paid a fee for the extension, and was granted - as the manager ( XXXX ) at One Main stated a postponement. 

Although OneMain skipped the month, unbeknownst to me, One Main also reported the skipped payment as past due to the credit bureaus and increased their fees on the account. Consequently, it intentionally harmed my credit score.

Other One Main borrowers I know reported the same duplicitous scam by One Main, which appears to be an attempt to limit people in this class to continue borrowing from One Main since they won't have a good credit score to go somewhere else.

Over the past five years, I've never missed any payments on my cars, credit cards, student loans, or other personal loans. The only item showing missed is the scam payment extension by One Main. After refinancing the loan in 2021 with One Main, I haven't missed any payments. Still, they continue to incorrectly report a missed payments making it costly to purchase a home. There is a whole class of borrowers impacted by this scam.
Product: Credit reporting or other personal consumer reports

I'm writing to express my deep concern over a negative rating on my account. This rating is significantly impacting my credit, having already led to a loan application rejection and higher interest rates on my current credit accounts. The financial and emotional strain this is causing me is substantial and ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was forced into bankruptcy in 2017 due to my daughters serious medical condition. US bank refused to work with me on payment arrangements and kept stating they never received necessary paperwork that I submitted multiple times. I had to contact attorney and file chapter XXXX bankruptcy. I paid everything in less than two years. Now this past week I found out my credit bureaus were all frozen for almost one year. All three credit reporting agencies my report is blank as if someone erased all history. I have been paying my house on-time and or early since 2017. I filed for refinance and this is how I obtained my information was erased in writing from third party. I have contacted US Bank numerous times they will not return my calls nor answer my questions. Now my credit is so bad I was turned down for refinance on my house. No one at US Bank will discuss or address my issue.
Product: Checking or savings account

I believe that my privacy and privacy of my checking and saving accounts were violated by Eastern Bank employee XXXX XXXX. I believe that she had accessed my accounts for personal purposes such as legal claims against me and my relatives. I have a witness of such activities happening in the past. She accessed my account multiple times without my permission and without any work related necessities. Also she had accessed accounts of her rental property tenants XXXX and XXXX XXXX
Product: Checking or savings account

Tried to access my account online through a stock buying/trading site and Capital one blocked my access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute with XXXX regarding the account I have with FMS Financial Solutions. That account was paid in full as of XX/XX/2019. XXXX sent me a letter stating that FMS Financial Solution verified that I still have a remaining balance. Which is incorrect because I paid that account in full. Please see the below attachments.
Product: Credit reporting

I originally filed an identity theft report ( FTC and police report ) XX/XX/XXXX. XXXX and XXXX corrected and updated my credit report accordingly. TransUnion had up to XXXX business days after the acceptance of the identity theft report to block my information pursuant to FCRA 605B. The unverified items that are reporting on my credit report were never blocked or investigated ; TransUnion only parroted that they were verified. I sent another letter on XX/XX/XXXX once again stating that these items must be deleted, and again they were not. Again I wrote on XX/XX/XXXX and nothing happened. I sent a debt validation letter on XX/XX/XXXX and was only told that it was verified again. I included in this letter that the CRA must send me the documentation as proof of verification and validation of the debt. I sent my XXXX and final written request on XX/XX/XXXX. I will be sending out an intent to sue in XXXX days. I also called TransUnion and spoke with someone there. I have her direct information if you would like it. She told me that TransUnion does not need to provide documentation, and this violates my rights, as these accounts were then never verified. All of my requests have been ignored and I intend to pursue this to the full extent, as these accounts are unverified and do not belong on my credit report.
Product: Checking or savings account

Bank of America is holding up transactions in processing and posting them on those dates when the funds are not available so that the bank can charge overdraft fees. Even though The merchant charges my account gets approval from the bank of America and then the bank post that charge on the day when the funds are low to make overdraft fees. Every month they take out over {$100.00} in overdraft fees. 

On the XXXX of XXXX XXXX XXXX  charges were posted as you can see below funds were available and approved by the bank they held that charge in processing till XX/XX/XXXX. I was under the assumption that the charge has gone through and paid. They posted that charge on XXXX XXXX when my account balance was low and collected {$75.00} in fees as you can see below. This happens all the time and the bank is deceiving their clients and stealing money from their account. When I asked for a refund they stated it's not a bank error. Bank of America uses overdraft fees to generate revenue by deceiving its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 a dispute was opened which I ask XXXX  to validate the bankruptcy that was on my credit report. They were ask to name the person at the Bankruptcy Court who Varified the information. They were unable to do so within 30 days. In stead they ask me to file another dispute again. They also stated that their system doesnt do that.
Product: Student loan

I have FedLoan Servicing who has been nothing but problematic in regards to handling my loans. They do n't answer questions, they do n't respond to questions I submit via email, and their documentation is less than adequate in explaining anything. I do n't feel comfortable with them at all. Over the past month I 've submitted multiple times via email about a question I have and have asked over and over for someone to call me. Nobody ever does. I also am supposed to get help from a FedLoan Borrower Advocate who never responds to phone calls or emails. His name is XXXX XXXX and his phone number is XXXX. I have repeatedly asked him to call me and answer questions without any response. I am very unhappy with this company. I feel as though it is not legal for them to not respond to repeated requests for help. I want a new servicer or someone who will responds to my questions, emails, and phone calls who is reliable and knowledgabe. That is the very least that this company should do as a servicer to the federal governement and department of education.
Product: Debt collection

California Business Bureau , Inc Is practicing unethical business procedures. I was recently in the hospital and now is currently paying some bills off. I sent CBB several settlement letters. I have gotten no response. the initial bill was for {$550.00} ... The amount of interest charged is/was criminal. XXXX interest per month. on XX/XX/2016 the bill increased to XXXX by XX/XX/2016 i got a new bill ( a few days after i sent the last settlement letter ) in the total of {$14000.00}. How does a bill go from XXXX to XXXX dollars in 7 days? 
criminal amounts of interest fees. On top of this they charge the person just to pay the bill. 

I am able to produce all paper work necessary if needed.
Product: Mortgage

XXXX XXXX ( the borrower ) suffered a XXXX and is under care. As her daughter, I have tried to work with the lender ( Midwest Loan Services ) in regards to obtaining options to avoid the foreclosure so that my mother can keep her home. I was sent a packet by Midwest to complete and send back in which I did. They informed me they never received the package and will be proceeding with the foreclosure. We were never provided with a single point of contact and continue to make excuses so that they can proceed with the foreclosure.
Product: Credit card

I simply wanted to change my home address on my account XX/XX/XXXX & XXXX, XXXX. I provided last XXXX of social security, date of birth, phone number, email, old address, new address, front and back of valid driver 's license and valid VA health card and selfie of myself with account numbers. Both of my accounts are in good standing and has been since accounts opened. 

They still refuse to change my address. 

I dont understand why its is so difficult to submit change of address. Not other financial institution i do business require such hoop jumping to simply change address. All billing is paperless.
Product: Credit card or prepaid card

On XXXX XXXX 2023 the Santander atm inside of XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX failed to dispense me XXXX  The card I used is from a XXXX direct payment account. The full amount of XXXX been charged to my account and no money was received.
Product: Student loan

Navient issues my private student loan statement on the XXXX of each month. I pay my bill according to that. 

XXXX month in particular I paid on the exact day my statement was due. Because I did this, for one of my loans, but not the other two, it applied it to the past months payment cycle and not the current one. 

They said something about the " threshold for loans in a given month '' that made no sense to me. 

I've never had this issue in the past, and I believe they need to be more transparent about this on their website.
Product: Mortgage

I contacted loan care on or about XX/XX/XXXX, inquiring as to why our property taxes had not been paid, as we received a final notice from the XXXX XXXX XXXX Department advising taxes had not been paid. Not only did I call, I also filed an online inquiry through our account portal. I was advised by XXXX XXXX that a ticket had been opened and they were working to resolve the issue. 

I had to contact XXXX XXXX again in XXXX as they did not apply our monthly payments correctly. While speaking with them, I advised them that I still did not receive a response advising that our property taxes had been paid from escrow. I was advised then they were in contact with XXXX XXXX XXXX Department and were set to be paid. 

On todays date, XX/XX/XXXX, I received notification that our property was sold on XX/XX/XXXX for {$140000.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. The notice advised that the buyer may institute an action to foreclose the property. 

We have never been late on a payment, short on the payment, etc. I filed a complaint on the same company back in XX/XX/XXXX for a separate issue and have had numerous issues with this company. 

After conducting extensive research, this company continues to do conduct business in such a manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sage Stream continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, Sage Stream Has Violated my rights sharing records without my permission. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX XXXX my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has Violated my rights. Please Delete XXXX XXXX Bank Account from my credit profile. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX I didn't approve double hard Inquiry, XXXX XXXX XX/XX/XXXX - only one credit pull was authorized for this transaction. In accordance with the fair credit reporting act Delete one inquiry. Delete 90 days late on my XXXX XXXX Account. Has Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX I spoke to a US Bank representative by calling theXXXX number listed on their website. XXXX the representative that I spoke to said that I qualified for the XXXX  dollar sign-up bonus. 

When signing up I had used the promo codeXXXX. XXXX verified that my account was eligible and that the direct deposit made on XX/XX/XXXX and XX/XX/XXXX would qualify for the bonus. She said that I didn't have to worry and it would post to my account within 60 days from the XX/XX/XXXX date. She told me the XXXX direct deposit on XX/XX/XXXX and the XXXX direct deposit on XX/XX/XXXX qualified me. 

On XX/XX/XXXX, I called in and was checking the progress of my bonus. I spoke to a nice associate who told me that the direct deposits I made were not eligible even though I was told by an associate on XX/XX/XXXX that my account had qualified. She transfered me to her manager. Who to be honest had very bad phone quality ( teleworking ). She then told me the bonus wasn't awarded because it was for only new customers. This in itself is an outright lie since the terms clearly state " Offer is not valid if you or any signer on the account has an existingU.S. Bankconsumer checking account, had aU.S. Bankconsumer checking account in the last six  months or received otherU.S. Bankbonus offers within the past 12 months. '' I am not in violation of this since my last US Bank account was closed on XX/XX/XXXX. XXXX or XXXX, I couldn't quite catch her name directly lied to me and was very aggressive when I told her that I was correctly following the terms and conditions and this was a legal issue and I would raise it with the Consumer Financial ProtectionBureau. 

If I was in fact not eligible I should have been directly told this on the first phone call on XX/XX/XXXX. Because I was misled on the phone call I believe that US Bank should act in good faith. All calls are recorded and I request that you review them. I believe at this time US Bank has acted in a bait and switch scenario. Please review this calls to train your customer service representatives and make sure they are educated correctly. Your customer service manager should not be spouting direct lies about qualifications.
Product: Checking or savings account

Recently heard about the Wells Fargo Lawsuit. I heard that I might be entitled to some reimbursement, but I have not received any checks or money from Wells Fargo. I'm not entirely sure if I qualify, but I wanted to check and see if I do. I've had my Wells Fargo account since 2015, so I believe there's a high probability that I am owed something.