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

I had an account with XXXX XXXX Card since XXXX, due to unfortunate events and bad financial habits my account had many late fees and issues. However, I always made payments till in XXXX I got into a personal situation ( divorce ) that kept me away from making my payments. Multiple time I speak with a company representative about my issues and the company provide me some help however the account when to a collection in XX/XX/XXXX.
Product: Student loan

I am on the PAYE IDR plan, and I am also in the PSLF program, so my loan servicer is MOHELA. Pursuant to Department of Ed regulations, if my recertification date post-pause is within 6-months of payments restarting, my recertification date should be pushed out 12 months. MOHELA has not updated my recertification date from XX/XX/XXXX to XX/XX/XXXX. This has been going on for months and is an easy fix. 

I have filed a complaint with MOHELA internally, I have also filed a complaint on Student Aid 's website. I have talked with two MOHELA reps who did not know why my recertification date was earlier than 6 months, but kept trying to push me to recertify early instead ( which would have made me ineligible for the 12 month push out of my recertification ). What MOHELA is doing violates Department of Education rules on how soon borrowers are supposed to recertify their income. 

MOHELA is now threatening to take me off my IDR plan, which will cause my monthly payments to spike from roughly {$99.00} to over {$1200.00}.
Product: Debt collection

Credit collection services had agreed to remove this collection from my account. 

I had contacted XXXX, the original Creditor in question. I was told that the debt in question was fraudulent. 

As a current XXXX customer nothing is owed at this time
Product: Checking or savings account

I use Chime bank and went to an XXXXXXXX XXXX machine at XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ). I was withdrawing {$400.00} cash to pay my bills. When I received my funds I had only received {$240.00} cash instead of {$400.00} ( {$160.00} difference ). I thought maybe it was an ATM issue and they didn't have all the funds. I checked my account and I was still charged {$400.00} I called immediately in the parking lot of XXXX 's and told my bank ( Chime ) of the issue. The gentleman on the phone said I had to wait until the transaction was not pending to file a dispute. I was reluctant but I did that. I called back filed a claim. I feel as though they didnt try to get necessary information to file my claim. Over the phone The gentleman really didn't want to help me and I feel as though I personally was leading the process of filing the claim. My claim has since then been denied. I feel as though XXXXXXXX XXXX fraudulently took my money and Chime is not investigating properly or at all to see that I did not receive the correct funds. In XXXX years this is the first time I have ever received the incorrect amount at any ATM. I filed a second claim but again no information taken. I also asked why my first claim was denied and was not given a reason. My next step if this doesn't work is filing a police report. Its theft at this point
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law.

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I lost my debit card on XX/XX/XXXX, but didnt realize til XX/XX/XXXX that it was lost. 

I called chime on XX/XX/XXXX and reported my card lost and disputed XXXX different transactions. 
Although XXXX were the only ones allowed to be processed because they werent pending anymore. 

The total for the XXXX transactions was XXXX for XXXX transactions XXXX to XXXX and XXXX to a XXXX XXXX 

These transactions happened without my knowledge and chime still denied my claim.
Product: Checking or savings account

Applied for dental coverage for live in boyfriend on XX/XX/2020. The premium was {$780.00} and was to begin coverage XX/XX/2020. No welcome packet nor plan identification was ever sent by email or mail. 

Emailed, called and opened incidents with XXXXXXXX XXXX support repeatedly. Customer service could not find his info nor I in the system and without a participant id they could not process a refund. Their support team closed the incidents I opened without reaching out to me. 

I reached out to my bank, Chase, to request they do a charge back for the XXXX at XXXX XXXX transaction. They said since it was an ACH transaction that they could not do a charge back and I would have to request a refund from the company directly. I asked for all transaction details and drafted a letter. 

I left a voicemail for and sent an email to their XXXX, XXXX XXXX, explaining and requesting a refund. She forwarded my request to their appeals department. XXXX XXXX called me and left a voicemail to let me know that she received my request and she left me her email address. I emailed her to get status and she responded via their secure messaging application ( deletes emails after number of days ) just to email back that she can not respond to me because of privacy laws due to the plan was purchased for someone else and she would be sending the enrollee a response via mail. 

That letter arrived and as I had predicted would happen, they informed my boyfriend that they can not refund me the premium because they suddenly found his plan info! They say their records showed he was given a plan id for coverage XX/XX/XXXX, and was sent a welcome packet. THIS IS COMPLETELY FALSE! He has not been able to utilize the coverage they claim to have provided because no plan info was ever sent and it took me numerous failed attempts to bring this to light and only until after finally reaching out to their CFO did they send an id card. The letter does not even offer to extend the policy for the time lost. 

Customers should be able to dispute any bank transaction in their account to recover funds from a company that refuses to take responsibility for failing to provide service during the subscriber period for which they received payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX of XXXX credit cards, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have taken notes of dates and names and everyone who I spoke to etc since XXXX trying to settle this credit card account with Chase bank. In XXXX of XXXX I agreed upon a settlement amount of XXXX  and paid XXXX XX/XX/XXXX. I called to get the new balance on XX/XX/XXXX and was told the remaining balance due was XXXX}. This prompted chase bank to agree to a in flight settlement of XXXX due by XX/XX/XXXX. I then made a XXXX payment on XX/XX/XXXX and the new balance due was XXXX which was then paid in full XX/XX/XXXX. I have called several times since then begging for a paid in full letter and been told by several people it was accepted as payment in full and never got a paid in full letter. Today on XX/XX/XXXX I received a letter saying the settlement was cancelled due to missed or late payments and they will send to a debt collection agency. I am beyond angry and frustrated this continues to report on my credit as unpaid when I am more than happy to provide all receipts documenting everything was paid in full months ago. I want a paid in full letter and this closed once and for all. This is unfair treatment and causing so much more stress and unhappiness then it should. I even have a car loan with chase and pay them thousands each year it should not be that hard to process and in flight settlement and close it and give me a paid in full letter as promised on several recorded calls!!
Product: Checking or savings account

I was scammed by someone in XXXX  in XX/XX/year> for about {$550.00} and I told them I didnt know who used my card, they denied my claim without a letter for the reason or any proof associated the denial. The Id used to verify my account was an expired id and it didnt even have my address! This is a complete miscount and I am suffering from hardship due to bank of americas frivolous denials and poor investigators.
Product: Credit card or prepaid card

Transaction from XXXX on XX/XX/XXXX an online order for pickup was placed for {$170.00}, the item was for a car seat system. When I went to the store they tried to sell me a used item, I cancelled the order pick up and never received a return. Capital one stated XXXX said I made the online order and never sent them proof that I even picked up the order or returned the order. Capital one has refused to investiage any further and sided with XXXX. XXXX never gave me a return slip since I cancelled the pick up and I would receive an email. I do not have the car seat system and XXXX states the return was processed and capital one needs to return the money.
Product: Credit reporting or other personal consumer reports

there is information on my consumer report that is a result of identity theft. i did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. the identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on a basis of material misrepresentation of fact. I AM IN FACT, REQUESTING THIS BLOCK ON BEHALF OF MYSELF. XXXX, Transunion, and XXXX refuse to abide by FCRA regulations on multiple attempts. they continue the reporting of fraudulent accounts on my consumer report. attached is more proof that the investigation they claim to have made is in fact false as these companies report different days, amounts, types of accounts, some report open as others report closed. this is all FRAUD and the reporting agencies have done nothin g to protect my consumer rights. making them civilly and criminally liable for all the damages i have been through these past few months.DO NOT ATTEMPT TO DELAY THIS 60 DAYS. THIS BLOCK MUST BE DONE WITHIN 4 DAYS OF THIS NOTICE, PURSUANT TO 15 USC 1681C-2.
Product: Student loan

I am attempting to make a payment toward my student loans on the Nelnet website today, XX/XX/20, and Nelnet will not allow me to post the payment sooner than XX/XX/20. By the time the payment posts, 2-3 days of additional interest will have accrued and my payments will apply more to interest than is due today, the day that I'm attempting to pay. My understanding was that I could make a payment at any time but this does not appear to be true. The funds are available in my bank account today regardless of whether Nelnet can collect over the weekend. I should not be penalized for this. 

I submitted complaint XXXX in XXXX for other deceptive practices with Nelnet. They have not yet resolved the issue identified in that complaint or contacted me as they said they would in their response. I believe this new issue is just one more deceptive practice by this company that causes financial harm to borrowers.
Product: Debt collection

I sent this company a debt validation letter on XX/XX/2024. I received XXXX phone call on XX/XX/2024. I advised the agent on the line i did not wish to communicate via telephone to respond to the letter i mailed to their company to validate the alleged debt. The agent states they have not received such documentation from me and they were still attempting to collect on the debt. I advised her of the address in which i sent the letter to and she stated the address was incorrect and they never received the letter in question. Once i arrive home i check my mail and i have a letter from this company confirming they indeed received my debt validation letter and will cease collection attempts until the matter is resolved. I do not honestly feel this company is taking my request serious and willing to provide the requested information. I'm still getting phones from the company attempting to collect even after the letter is dated. I received XXXX calls on XX/XX/2024, XXXX calls on XX/XX/2024. I don't feel they have any true intent on providing the requested information or plan to make this process very difficult just based on my experience with this company. I've also looked this company up on XXXX XXXX XXXX  which it also appears they are not even licensed to be a collection agency
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax, XXXX, and XXXX regarding the inaccurate information on my credit reports that they have failed to remove despite my numerous attempts. 

Over the past year, I have written to Equifax, XXXX, and XXXX eight times requesting that they update my credit report to reflect only my current and accurate personal information. However, despite providing ample documentation, including my driver 's license, Social Security card, and recent pay stub, the credit bureaus have failed to remove the old, outdated, and incorrect information from my file. 

Specifically, my credit reports continue to list multiple, inconsistent addresses and outdated employment and contact information that do not accurately represent my stable financial situation. This incorrect data could severely impact my creditworthiness and hurt my chances with potential lenders or employers. 

I have made every effort to resolve this issue directly with the credit bureaus, but they have been unresponsive to my concerns. The persistence of these errors is causing me significant stress and concern about the potential negative consequences to my financial standing. 

I kindly request that the CFPB intervene and compel Equifax, XXXX, and XXXX to immediately update my credit report to reflect only my current, verified personal information. This includes listing my correct address, employer, and phone number, and removing all outdated and inaccurate data. 

The credit reporting agencies have a legal obligation to maintain accurate information in consumer credit files. Their failure to do so in my case is unacceptable and I hope the CFPB will take appropriate action to rectify this issue. 

Thank you for your assistance in this matter. I look forward to your response.
Product: Checking or savings account

I had many issues with Wells Fargo while a member. They charged high fees which came out of my account. My information was also compromised during my tenure there. A few years after I closed the account, I started getting calls and many of them from payday loan people insisting I had a payday loan that was supposedly being paid by my WF checking account, which it was not. I still get the calls periodically.
Product: Mortgage

I expressed my frustration with trying to get HSBC Bank to honor this agreement with your office. I am writing this letter because I have fought and fought to save wife, children and myself, from homeless. HSBC Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. In XXXX XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note to the Unites States, yet HSBC Bank has not discharged the debt and is still moving to remove property from my estate. The state court has ignored my pleas in Illinois circuit court case 10 CH 14885. The Illinois State court have ignored the fact HSBC did not send any notice of acceleration or default notice before filing foreclosure suit. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? HSBC admitted in Court they did not offer me any trial modification, they admitted in court the assignment was created by the attorney XXXX XXXX who is the Plaintiff 's HSBC attorney who is employed by XXXX XXXX XXXX who falsified documents claiming to by an MERS Vice President. What good is the Consent Order agreement if it is intended to be teeth less?
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I purchased a money order for {$990.00} to pay my rent for the month of XXXX. In early XXXX, I learned that the money order was fraudulently cashed because my management company informed me that they never received my XXXX rent. I immediately went to the check cashing place where I purchased the money order, to request the status of said money order and a copy to prove to my management company that a money order was purchased to pay for my XXXX Rent Statement. Upon receiving a copy of the money order i immediately noticed that the original payee information that was written by me, was clearly altered because I made a copy of the original money order before mailing it out. After learning of the fraud, I brought it to the attention of XXXX, the store manager, who at first shrugged it off and stated that my management company probably altered it. I filled out and notarized an affidavit as instructed by XXXX and mailed it out to the address that she provided. A few weeks later, XXXX calls me stating that my affidavit was not received and i had to complete the entire process again including re- notarizing a new affidavit. Its important to note that XXXX asked me to leave my home in the middle of a pandemic ( COVID-19 ) to complete a process that I had already done almost 3 weeks prior. I demanded that this situation be escalated to the regional manager because the store manager was clearly incompetent. Its been over three weeks since I was told that I would receive a follow up call from the regional manager and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I used my credit card for a friend that lives out of the country to pay a some type of fees on his timeshare account with XXXX XXXX XXXX XXXX XXXX XXXX ; Because his credit/debit card was declined due to his banking security issues and he was not able to use his own credit/debit card at that time, so I used my card for the transaction. That was the ( ONLY TRANSACTION ) I allowed to be made on my credit card and never signed any contract with XXXX XXXX XXXX XXXX. ; After a couple of months I was traveling in XXXX and tried to use my card for a small purchase and the transaction was denied, I figured that the transaction was declined because I was out of the country at that time. Once I arrived back to the United States I contacted my bank and logged in to my online account only to find out that there were several large amount charges from XXXX XXXX XXXX  / XXXX on my credit cards, so I contacted my credit card companies and let them know that the transactions were not authorized by me, so they place a claim for the transactions. Everything seems to be fixed for a while but after a couple of months the charges were reversed back to my account and the bank issued me a letter stating that XXXX XXXX XXXX XXXX. XXXX. ; provided them with my authorization for the transactions when I did not. XXXX XXXX XXXX XXXX. XXXX. negligently and knowingly charged my cards without my authorization for their member/stockholder account because their member/stockholder credit/debit card would not go through for the transactions, so they charged my cards over and over. Without my authorization XXXX XXXX XXXX XXXX. XXXX. saved my card information on their system without notifying either myself or their member/stockholder. 

After and while looking up the company online I found similar situations, they are money hungry and their agents try and do anything to get money in no matter what even it it is to break law in every aspect. 

Now, I owe my credit card companies {$42000.00} not counting interests and my credit card companies only tells me to go to the police and nothing is resolved. 

Now the only choice I have is to file a law suit in Federal Court to  recover the moneys they charged me because I can never pay this amount. 

This also have impacted dramatically my credit scores making it impossible for me to get a loan due to extremely high interest charges. Even more, myself and my partner have almost all of our accounts jointly and his credit has also been affected dramatically.
Product: Debt collection

* XX/XX/XXXX-XX/XX/XXXX I contacted the collection multiple times regarding this matter to get resolved I explain to them this was not me and never signed for the devices as well did exactly what the representative requested a police report in XX/XX/XXXX because was not acknowledged of this purchase will not take ownership of it. 

*On XX/XX/XXXX I contacted the same collection agency about this matter and tried to resolve the representative was very rude and refused to hear me out after contacting smart pay with the collection agency they informed me could not release any information because would have to be the person who owe the account and also discover they don't have photo copy of my id either that link me to this account