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

On XX/XX/2022, Chase Bank sent me a text regarding a possible fraudulent charge on my debit card. The charge was not fraud but rather an error on the part of the vendor - I had canceled my account with this vendor a day earlier. No fraud on the part of anyone. The next text I get is to tell me Chase has closed my debit card - I was having lunch in a restaurant with only my debit card on me. I then went to the branch and was told I would have to wait 5-10 business days for my new card to arrive. I decided to close the account and this is when things became sketchy. 

The banker assured me all pending transactions had been accounted for and monies held back to clear those pending transactions. I was then issued a cashier 's check for the remaining balance of my account. On that same day XX/XX/2022, my car payment of {$670.00} ( a pending charge according to Chase ) was returned NSF- with no notification to me whatsoever. Several days later, and now faced with a late fee and an NSF fee, my auto lender, XXXX, contacted me. 

When I visited the branch to request a copy of my most recent statement so I could see what had happened, I was met with immediate and gratuitos hostility by a XXXX XXXX the branch manager. The very first thing XXXX said to me was ... " This is your problem. You chose to terminate your relationship with Chase last week and as a result we have no obligation to assist you whatsoever. Eventually XXXX XXXX gave me the statements, but only after I insisted she do so. 

It took me another 2.5 hours on the phone that afternoon to convince anyone at Chase to assist me as the bank statement I was given was missing all activity regarding this " transaction '' between the two banks. The bank statement covers all transactions/activity through XX/XX/2022. I have virtually no way of reconciling this account if Chase refuses to assist me. Chase removed all of my online banking access so I am not able to see what transpired - They want me to take their word for it. Per upper management at Chase, this activity should be on the statement, but again Chase refuses to give me any proof whatsoever that this transaction ever existed, was ever sent back NSF, when it was listed as pending, etc.
Product: Mortgage

In XX/XX/2024, I contacted Freedom Mortgage to inquire about obtaining a Home Equity Line of Credit and spoke with XXXX XXXX. We never discussed a refinance, only inquired about the HELOC. He took my information from my wife and I, then received an email from XXXX XXXX stating that his underwriting system had approved us for a VA Cashout Refinance Loan. This is not a product we ever discussed. Later, I called and spoke to someone about the decision, they indicated that a HELOC is not even an option they offer. This is very misleading and very inappropriate practices to never disclose the product your are inquiring about is not a product they offer yet continue to take your information to put you into a product they do offer. They then overnighted refinance documents for us to sign even though we did not accept the offer.
Product: Debt collection

XXXX, XXXX has placed a collection on my credit profiles claiming that I owe {$180.00} to XXXX. I've never had an account with XXXX  before.
Product: Student loan

I have contacted Sallie Mae and my mother about XXXX times trying to get my payments down so I can afford them. They have repeatedly told me that they could not, I told them how much I make and I started work over two months ago they were nasty and told me to get another job. I know I must pay but I can not XXXX a month I only bring home XXXX bi-weekly.i have other students loans that I must pay. Plus car insurance phone bill health insurance I do n't work 40 hrs a week most times.
Product: Debt collection

Foursight repossessed my car they gave a third-party my information without my consent and they have the car back in there possession and they are steady reporting late payments on my credit report they have broken laws : 15 usc 1692F ,15 usc 16802 , and 15 usc 1681 ( A )
Product: Credit reporting or other personal consumer reports

We have had our XXXX XXXX co drop us for just filing XXXX claims in 3 years for home property. We were told that we were dropped due to the claims with XXXX XXXX history showing. this insurance ends in XXXX XXXX both claims were weather related with no control from our end.We never file home owner claims, it has been years. 
We are still not in receipt of the report ordered 2 weeks ago. 
XXXX and XXXX both askes us to call. 
I called their XXXX number and still no report. 

Please contact them and equifax they say to get this report for XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, has a late fee policy that is gauging and loan sharking consumers by applying high late fees and on top of the late fees 29 % interest on the late fees, a double penalty to the consumer. These fees are incredibly higher than what mortgage company charges. Worst all, the customer service reps ( CSRs ) are measured by the number of fees they " do not '' remove and the number of " courtesy removals '' not applied. Upon these CSR reaching their goals, they receive bonuses that those bonuses are greater in the executive management hierarchy. Just look at these companies SEC filings!
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX, I was contacted through text messaging about a possible fraud where someone was trying to get {$2000.00} from my XXXX account. Mind you I never had a XXXX account, so I blocked the number. With in 5 minutes I received a call from my bank, it was their number, with the special Ringtone that I use for them. I answered the phone call, and they introduce themselves as a member of TD Bank. They said there was suspicious activity on my account, and a XXXX payment was stopped until I approved it. I said I never made such a payment, and they said they'd put a freeze on the XXXX payment. Meanwhile as I'm looking at my bank info my savings are being transferred into my checking account. I transfer it back, yet it's transferred again. Now I'm realizing that someone is in my account. This " TD Bank associate '' has me Transfer {$500.00} to the XXXX representative to freeze all accounts, until the funds are released the next day, not realizing I was being scammed. I get a hold of TD Bank the next day, to see what's happening, and they informed me that I fell for a scam. They shut my account of nearly 20 years, and have me make a new account, and report it to their fraud department, that then decides I didn't fall for a scam, and I willing paid someone with ALL of my bill money. They're saying there's nothing I can do about it because I have to personally insure my account, they won't do a chargeback, they won't recover my funds, nothing. They said XXXX has less than a 10 % refund rate when it comes to fraud,
Product: Credit card

Cancelled Chase Sapphire card in XX/XX/2023. Was told, on recorded line, that yearly fee would be credited and account closed. Received statement with yearly fee, late charges and interest. Attempted to resolve with customer service. Told that some, but not all fees can be credited. Ask to speak with supervisor and told, in recorded line, that could not.
Product: Debt collection

I keep getting text messages since XXXX XXXX XXXX XXXX number ( balanced health recieveables debt collector ) about an XXXX XXXX account that is past due but Ive never received any form of written communication about this debt that Im not sure that I even owe and I am nervous to contact this number in the text and get scammed
Product: Credit reporting or other personal consumer reports

I have filed form 14039 with the irs.gov. The perpetrator ( s ) filed IRS tax return using my SSN which has damaged me furthermore theperpetrator ( s ) have obtained from the Data Breach my personal information which has resulted in inaccurate personal information, negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on Experian, XXXX and XXXX. Pursuant to Title 15 USC 1692G ,1692K et seqThe FCRA demands that CRAs use reasonable procedures to assuremaximum possible accuracy of information contained in consumer reports, 15U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute anyincomplete or inaccurate information in their report. 15 U.S.C. 1681i.All inaccurate information highlighted in my credit report must be deleted immediately. 


All the highlighted personal information is inaccurate
Product: Mortgage

My mortgage servicer refused to send me paper statements which is my preference. Also I think in violation of the law ( Truth-in-Lending Act and the Periodic Statement Rule ) My mortgage servicer : Specialized Loan Servicing. 

I called and spoke to agents about this on XX/XX/21 ( XXXX ) and XX/XX/21 ( XXXX ). My complaint was " escalated '' but no one came on the line during the 15 minutes I waited.
Product: Debt collection

I am writing to formally file a complaint against ProCollect, a debt collection agency, regarding their refusal to respond to my attempts to settle a debt. I have made multiple attempts to contact them, both by phone and email, in good faith, with the intention of resolving my outstanding debt. Unfortunately, every time I call, they refer me back to an email address that has not responded to any of my communications.

Despite my persistent efforts, I have been unable to make any progress toward paying the debt, which is extremely frustrating. I am concerned that their lack of communication is preventing me from resolving this matter in a timely manner. This issue not only causes stress but may also negatively affect my credit.

I respectfully request your assistance in addressing this issue and ensuring that ProCollect complies with its obligation to respond to consumers attempting to resolve their debts. 

Please let me know if any additional information or documentation is needed to support this complaint. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Expetrian dropped my XXXX  credit report, dropping my fios XXXX points, and reporting incorrect % of credit usage and available credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular accounts position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct these accounts which are incorrect from my personal credit file : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

I requested for my information to be updated via email provided by customer service of XXXX XXXX. I advised this company that I have no knowledge of any account reported on my profile that is addressed to someone other than myself. I will include the email I submitted : Per the forwarded request : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX I am submitting documentation proving my name is XXXX XXXX XXXX to update and have my personal information corrected on my file with your company. 
I am submitting my Social security card. 
I will also be submitting my utility bill and a lease agreement addendum that proves my request for an update on my address is valid. 
I do not wish to have any other number on my report other than ( XXXX ) update my phone number. 
Update My address ( XXXX  ) I do not want any employer listed at all please remove all past employer information. 
My correct Birthdate is XXXX XXXX XXXX please update. 
Please remove all addresses off of my account as they are not deliverable to me by US post office and they are not reportable as per FCRA since they are inaccurate. 
Also any account reporting inaccurate information on my account not reflecting this information provided including my submitted documents I am requesting to be removed from my account with your company per FCRA 15 USC 1681. 
I am requesting XXXX XXXX XXXX XXXX account number : XXXX  This information reported is a violation of the FCRA and the information reported does not match what I am updating. This needs to be removed immediately.
Product: Mortgage

I applied for a Mortgage with this company in XX/XX/XXXX, and this company requested certain documents and an agreement to pull my credit reports in order for me to qualify for finance with them, and once I produced these documents and agreed to allow them to pull my reports I was told by a XXXX XXXX XXXX with this company that I had qualified for a certain amount money, and then all of sudden XXXX XXXX stopped answering my phone calls and emails, he also stopped answering my realtor 's calls and emails as well. Its now XX/XX/XXXX and it's been months since me or realtor have heard from XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX and I am the owner of XXXX PayPal account. 
My phone no. is : XXXX Ive been notified about this case about a couple of unauthorized transactions, ( Case ID : XXXX ) and ( XXXX ) and that my response is needed. ( Seller response ) First I would like to say that it was no sale in this case. 

I I am referring to : Transaction ID XX/XX/XXXX, 1. money receive at XXXX pm XXXX {$90.00} 2. Money send at XXXX pm XXXX - {$90.00} XX/XX/XXXX XXXX. Money receive at XXXX pm XXXX XXXX {$100.00} 2. Money send at XXXX pm XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in their XXXX 's, are our friends and XXXX XXXX XXXX is there son and he is on his XXXX 's. 
Both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX to upload their cards on Paypal and use them at will. 
On XX/XX/XXXX and XX/XX/XXXX as you can see, The money that XXXX send me, on both occasions were returned, PAID BACK in under a minute. 
On both ocasions, he said that the transaction was done by mistake and he request his money back. 
I would like to mention that XXXX XXXX XXXX does not have a credit card on his name and he actually send the money from his fathers and mother 's credit cards since they share the same name. 
Soon after he did multiple charges on his parents credit cards ( I don, t understand how Paypal aloud him to use somebody else 's credit cards on his own Paypal ), he got the cash from the people he scam than his parents denied all charges to credit to the credit companies and got their money back totaling over {$30000.00} and me as the victim I am being harrased by Paypal who is forcing me to cover those illegal transaction taking the side of the scamers even after multiple complains has been filed with XXXX XXXX XXXX police, Consumer Financial Protection Bureau, He Did the same thing to my stepson. 
XXXX XXXX XXXX. 

Please let me know if I can help with anything else.
Product: Credit card

There has been a compromise on my credit card sinceXX/XX/XXXX My daughter tried to fix the problem for nearly a year to no avail. She left with several friends after XX/XX/XXXXt for a XX/XX/XXXX my daughter was XX/XX/XXXX and her friends may have used her card to get food, hotels, gas, and more. 
I was not allowed to obtain information due to XXXX. 

I made numerous attempts to reach XXXX XXXX reference these charges, due to privacy act issues, I was never able to resolve this issue. 
The fee and interest have been accumulating since XX/XX/XXXX and they recently brought the interest rate down a nudge, however, no charges were removed. I had an ongoing investigation in cycle however it had been going for many months. I have paid XXXX XXXX for many years and am on the brink of breakdown due to my commitment to pay XXXX XXXX for charges I can not make. 

My Daughter is still underXX/XX/XXXX and is still not totally in herXX/XX/XXXX I have paid nearly XXXX of a cash advance succesfully over XX/XX/XXXXyears ago. In addition she was sent a few credit cards numbers over night twice. 

This has caused me much stress.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation 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 the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX  Bankruptcy XXXX XXXX  Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX and XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance : {$2600.00}
Product: Debt collection

Prior to XX/XX/2023, I began the process of re enrollment, and on the date mentioned I was made aware by XXXX  XXXX XXXX that I had a collections holding up my re enrollment. I was provided the number for a Resolution company, who in turn referred me to Real Time Solutions for the collections. The amount owing on my account was over {$1000.00}. I advised I could not pay that amount as I was just finding out about the debt and I asked for verification, which was sent. 

I called my enrollment advisor ( XXXX ) at XXXX  XXXX XXXX. Who advised that if I made a payment arrangement, they would provide the information to the school and then I would be able to continue enrollment to begin XX/XX/2023. I then called Real Time Solutions back and they advised the information I received was correct and they would notify the school ( and myself ) that an agreement had been made on the account. Since there was urgency to start on XX/XX/2023, I moved things around to make a payment of {$200.00} on XX/XX/2023 and the remaining resolution amount of {$510.00} in XXXX, based on a settlement amount of {$710.00}. Payment was processed the following day. 

As of XX/XX/2023, I had not received a call from XXXX  XXXX XXXX nor a email from the collections company regarding the arrangement. I called the school on XX/XX/2023 and was advised by XXXX that they had not received the information from the collections agency yet. So, I called Real Time Resolution. I spoke to a representative that advise they would not send anything until the account was paid in full, which negates my necessity and reason for making that rushed payment in order to start classes on XX/XX/2023. I then called XXXX  XXXX XXXX back, and was told that was correct. This is the definition of deception, and should not be allowed as my payments were made by way of deception from both XXXX  XXXX XXXX and Real Time Resolution. Both the University  and the collection company should be ashamed of themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried disputing this issue with XXXXXXXX XXXX XXXX via phone and via XXXX, XXXX and TransUnion. XXXX has removed the record for fraud. This issue is regarding a fraudulent amount I have no knowledge of from summer XX/XX/XXXX that was sold and place for collection by the company XXXX XXXX which NO LONGER EXISTS AS OF XX/XX/XXXX, and was set for collection in XX/XX/XXXX. 

In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 

Account name : # ( acct # ), list all accounts and acct # s, has violating 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.