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

My name is XXXX XXXX, I am a senior, I am XXXX XXXX XXXX and have been a Chase customer for XXXX  years. All my deposits including Social Security are deposited in my account. 
I was at the Bank making a deposit, when I was approached by a Banking Agent, who offered me a better Checking Account than the one I currently had. 
I listened to him and he opened a new account for me. Shortly after using my new Debit Card I received a Statement with a lot of unexspected Fees. I returned to the Bank and told them I wanted to cancel this new Checking Account, because I was charged I fees had not been advised of. The Bank agent took all my information and promised that the account would be cancelled. I assumed this would be the end. Then I received a letter from the Bank that I had an outstanding Balance and was being charged a late fee. I also received a letter from XXXX that my Credit was being affected by Chase Bank. 
I was very upset and went back to the Bank and approached another Agent who volunteered to help me. She explained that I had an outstandind balance, which I paid with her and she deleted my late Fee and finally closed the Account. I thanked her for her Help and left the Bank. Now I received a letter from Chase, that due to unappropriate behavior Chase is also Closing my Business Checking Account which I had for 30 Years. I have a witness who was at the Bank with me. I was coaxed into into that new account, never told about the fees and now Chase wants to cancel All my Accounts completely. Also my Banking information had been sent to my XXXX, who was at the Bank with me, but had no part of my Account. This is the only issue I ever had with Chase in XXXX  Years.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports :
Product: Mortgage

Prime Lending in XXXX Tx uses deceptive lending practices while over promising and never delivering. The company had our loan for almost three months before it became clear they were not capable of closing our loan. Originally Prime Lending was selected because they assured us they could close our loan without selling additional property. The Branch manger kept insisting he could close our loan if we could just hold on a little longer and would stop communicating with us for days on end. When another lender told us they could complete our loan and help us close on our house we requested our file to be withdrawn and transferred. The branch manager of Prime Lending decided to force a denial on our FHA loan before transferring the file even though a withdrawal was requested. The branch manager also called us twice while intoxicated, after hours, asking if we were mad at him and wanted to know why we were n't closing the next day ( despite the fact we had never heard from anyone we could close, which we could n't ). The unprofessional manner of the branch manager and the deceitful bait and switch tactics of Prime Lending ensure that I will never go back to them for another financial product and will make sure anyone I meet knows just how terrible and incompetent their service is.
Product: Mortgage

On XX/XX/2016, we accepted an offer from CitiMortgage to refinance the adjustable-rate mortgage we had with them, paying an application fee and locking in a 15-year, fixed-rate of 2.875 %. From the outset, we emphasized that the bulk of our living expenses are funded by automatic monthly withdrawals from our retirement accounts ( IRA, SEP-IRA and a tax-deferred employee savings plan ), in addition to our investment portfolio. 

After five months and countless hours of complying with Citi 's requirements for documentation -- often being asked for the same documents two or three times over -- we have been informed that our application has been denied due to " Insufficient income for mortgage obligations. '' This is despite our repeated documentation of over ample funds in our retirement accounts and steady monthly withdrawals. 

Citi 's underwriting department required : " If income is from retirement assets provide 2 months current, complete and consecutive bank statements to verify sufficient assets for income to continue for 3 years. '' Accordingly, we provided copies of our XXXX statements reflecting our retirement accounts and our bank statements -- several times. At no time did Citi ask for additional information about any of our retirement accounts, even though we offered. In the last communication from the loan processor, she stated that they had enough information to submit the package to underwriting. 

Our cash flow is more than ample to meet our mortgage obligations and living expenses. Citi has known this from the beginning, but continued to string us along and repeatedly asked for the same documents until finally after -- five months -- they declared that our income was insufficient. It is now clear that Citi simply did n't want to refinance the loan in the face of rising interest rates, and continued to mislead and deceive us. We have retained all correspondence and documentation. 

Refinance Loan # XXXX Original Loan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$2700.00} XXXX XXXXXXXX XXXX {$1600.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I had a charge on my credit card at Goldman Sachs for XXXX on my Apple Card, I have disputed this TWICE with Goldman Sachs they keep asking me for verifying documents but like I have told them XXXX times I didn't charge this I have never been to this establishment. Then this week I got a email that said they sided with the merchant so now I have a charge for XXXX that I have to pay even though I never used my card at that merchant. In reference to the card user agreement I can not be charged for fraudulent services.
Product: Credit card or prepaid card

On XX/XX/XXXX the IRS deposited {$1200.00} dollars in my PayPal account and PayPal told me it would be available in 3-5 business days but now its been 11 business days and still nothing, I'm not the only one there's are 10's-1000 's customers with the same problem all over the US that deal with PayPal cash card some been waiting since XX/XX/XXXX for PayPal to deposited our funds it really doesn't make sense to us where is our money and two i even went back in the IRS portal to make sure the information was correct ( routing numbers and account numbers ) and it was and paypal keep saying for me to get in touch with the IRS that its not they fault ... ..
Product: Credit reporting or other personal consumer reports

i recently review the copy of my credit report, I was shocked to know i have been a victim of identity theft. I found numerous accounts on my credit report that was not open by me. this has been hurting me as I am in the process of buying a home for my family. please remove this fraudulent account as soon as possible.
Product: Credit reporting

XXXX XXXX XXXX has lots of information omitted. 
Account Owner : Not individual was a business account. send proof it was a personal acct Date major delinquency first reported information missing Date of Last Acitivity is missing and accurate High Credit amount is missing this account has been disputed before for inaccurate and not reporting full information as per FCRA
Product: Credit card

I have dealt with the issue for over 6 months and made phone calls for over 20 times. Every time this bank made a new story about they were processing it and asked me to wait 48 hours or 7 to 10 business days and nothing ever happened. I keep calling and they keep doing the same thing over and over again in a pattern of infinite loop. They told me they may have a system problem and they are trying to understand it. I am pretty sure it would never resolve it without going through legal help
Product: Debt collection

They have placed this under collections and continue to harass me while threatening to ruin my credit if the money isnt given to them
Product: Credit reporting, credit repair services, or other personal consumer reports

Supposedly I was late 30 days with a payment in XX/XX/2021. Well at that time I was in the hospital with XXXX and I wrote that down in my credit dispute and they said the dispute is over and I checked and the 30 days late is still on my report. TD BANK the company that goes into your account and takes {$30.00} overdraft fees if you got one sent over your balance. I am also XXXX and my XXXX pension and Social Security gets directly deposited into that bank so its hard for me to change without going through hassle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( secured ) XXXX XXXX ( credit card ) XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXXall of the above has violated all or any of my rights..15. u.s.c. # 1681 section 602 A. STATES -a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was going over my bank statements along with my going through my credit to see my report I noticed that I authorized a XXXX payment on XX/XX/2023. Now without my consent they stole XXXX from my account on the same day but on their end it says XXXX on my end I authorized a payment of XXXX. I have proof that this is a fraudulent transaction.
Product: Checking or savings account

I opened a new checking account as required in XXXX advertisement on XX/XX/2017. I met the requirement for more than nine months but have not received the signup bonus of {$200.00} so far. Also, my account was closed for no reason this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  has incorrect hard inquiries on both my transunion and   XXXX   credit reports. They are showing inquires from  XXXX / XXXX /  XXXX  . Inquiries that I did not authorize.   XXXX   XXXX   XXXX   has sent me a letter on  XXXX  stating that they do not see hard inquiries on those  XXXX  reports even though I sent them a copy of both reports. I do not know what   XXXX   XXXX   XXXX   is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my   XXXX   and Equifax report. The inquiry date is  XXXX / XXXX /  XXXX
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT AND MY PERSONAL DATA WAS EXPOSED IN THE EQUIFAX XXXX BREACH. XXXX AND XXXX XXXX ALSO FAILED TO FURNISH FAIR AND ACCURATE INFORMATION ON MY CREDIT REPORT. HAVE NO KNOWLEDGE OF THE ALLEGED ADDRESSES, INQUIRIES, AND FRUADULANT ACCOUNTS ATTACHED TO MY FTC REPORT. PLEASE REVIEW FTC REPORT AND DELETE THESE ITEMS FROM MY CREDIT REPORT.
Product: Credit reporting 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 U.S.C. 1681. 
Account Name XXXX XXXXXXXX collection. Account Number # XXXX... 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 an account without my written instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit card or prepaid card

american express violated " FDCPA, FCBA and FCRA '', truth in lending act, breach of contract by closing account without sufficient cause/ improper account review ... i have been a loyal customer since XX/XX/XXXX and never late on any payments..this has caused severe financial hardship due to that this account is used for daily / monthly living expense to cover charges made while waiting on XXXX XXXX check per month and now since account closure i can not afford to pay current balance owed and make any other any payments being on fix income and single parent father of XXXXyr old daughter ... NOTE : I WERE I VICTIM OF FRAUD ON ABOUT XX/XX/XXXX AND THIS HAS CAUSED MY CREDIT SCORE TO DROP SIGNIFICANTLY DUE DISPUTE FRAUD CHARGES WITH OTHER CREDITOR " XXXX XXXX XXXX XXXX '' ..POLICE REPORT FILED WITH CITY OF XXXX, FTC AFFIDAVIT FILED AND VIA MY ATTORNEY ... ALL DOCUMENT OF STATED PROOF AVAILABLE UPON REQUEST
Product: Debt collection

This company has harassed me so bad I had to change my phone number. I sent this company a dispute on these accounts they have two account from the same company which is XXXX XXXX XXXX XXXX for {$520.00} and another one same company for {$920.00} and when I requested the information that I am in titled to they refused. They just sent a notice saying they are collected Two debts and the balance and that's it. Not even a week later they begin to call me more than 3x a day when I said I requested I information the lady said not my problem you need to learn how to pay your debt .This had went on they would call from different numbers and all hours of day. Threatening to sue me contact my employer.
Product: Money transfer, virtual currency, or money service

I made an appointment to complete a wire transfer on XX/XX/year> for a vehicle purchase. The vehicle manufacturer, XXXX, also banks with Wells Fargo. The bank representative, XXXX XXXX & her manager, XXXX XXXX, did not recognize the wire account number I provided, so they refused to release my money. They refused even after I spoke with XXXX confirming the account number was correct. They did not offer any assistance or resolution. Just a refusal to complete the wire. The funds are in my account and they had no reason to refuse the transfer. They could have contacted XXXX who would have explained that a separate, unique account number, is given for each order. The bank personnel refused to listen. XXXX sales indicated they've never had a sales purchase refused because of the account number.
Product: Debt collection

I signed up for an XXXX XXXX XXXX about two years ago. Fees were added to this account that I was not made aware of until it reached collections. I never received a physical hard copy of an XXXX XXXX card in the mail. The two times I used balance from an XXXX XXXX account is was by in person contact with a sales associate at an XXXX XXXX store. The sales associate asked me if I signed up for an XXXX XXXX card, I said yes but I do not have the physical card, the sales associate replied and said its okay I just need your phone/ email, then I was charged virtual accordingly. Again. I have never received any XXXX XXXX card in the mail. I am willing to pay for the purchases that are on this account. However, the added fees is something I was not made aware of until it reached collections. I have contacted the President of XXXX XXXX regarding this matter. I am a college student desperately trying to establish credit for my future. Again, I will pay for any purchases before the fees were admitted to the account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint with CFPB in regard to Navient negatively reporting on my XXXX credit report. XXXX blocked me from filing a complaint on this account with reporting # XXXX. This account was previously disputed and updated reflecting paid as agreed on account # XXXX. This information is reporting negatively since XX/XX/XXXX which was the last update on this account. This is a old account opened since XX/XX/XXXX and still impacting my credit score XXXX day to XXXX day past due. This account need to be deleted.
Product: Student loan

I have been making on time payments on my student loans for well over twenty years. Within the last two years I began making inquiries regarding student loan forgiveness for public servants and teachers ( PSLF program ) as I anticipate retirement. I made inquiries with the DOE through my congressman ( XXXX XXXX ).  I learned that my loans were " too old '' and under the wrong umbrella because they were taken out as XXXX XXXX loans ( which are also federally funded loans ). Discouraged at this, I began to ask myself questions that perhaps I should have been asking a very long time ago ... that being : Why is my account balance still so high? Why does the principal seem to stay so high? I 've been paying on time for so long, why do I still have ten more years of payments to make? 
Here is where my problem begins with my loan servicer, Navient. In XX/XX/XXXX I requested copies of the documents that were signed when I consolodated four student loans ( XXXX subsidized and unsubsidized as well as {$14000.00} dating back to 'XX/XX/XXXX-'XX/XX/XXXX ). I received the requested documents on XX/XX/XXXX. As I began to look over the numbers I felt certain things did n't add up. The signed Federal Consolidation Application and Proissory Note reflected a total consolidated amount of {$31000.00} on a form signed by me on XX/XX/XXXX. As I began to consider how long I 've been paying on my loan ( over 20 years ) I began to take a closer look at my account as it stands at this time and what my payment history has been over the years. Therefore, I called Navient and made several inquiries. One of which was an explanation as to how my loan balance could remain so high after so many years of on time payments? I was told in a phone conversation by the Navient representative that I was making " interest only '' payments for a period of six years and my principal was not payed down during that time. I asked the rep to send me a copy of the document indicating " interest only '' payments with my authorizing signature. On XX/XX/XXXX I received a document showing I selected the " Grad Choice ( SM ) Account '' and checked the box indicating " Two years of reduced payments '' and makes no mention of " Interest Only ''. This document was signed by me XX/XX/XXXX. So at a minimum, by XX/XX/XXXX my loan payments would have reverted back to a normal payment schedule. I feel this was a major mishandleing of my account by Navient that has cost me a lot of money. 
As of XX/XX/XXXX my account with Navient is as follows : Balance remaining : {$27000.00} Total principal payed : {$9700.00} Total interest payed : {$21000.00} I believe I have payed beyond what is reasonable in interest.
Product: Debt collection

I received a phone call from XXXX XXXX XXXX XXXX XXXX alleging they sent a letter to home for a debt. I called them back and the woman was able to verify my entire social and DOB. She stated that I got a loan online from a company called XXXX XXXX XXXX XXXX in XX/XX/XXXX. I know for a fact that I did not and mainly because I was in the processing of purchasing a house at the time, so trying to get any type of loan could be detrimental to the process. I lost my purse with all of my belongings on XX/XX/XXXX so it is quite possible my Identity had been stolen. I also filed a police report in XXXX XXXX, NV where I was living at the time.