23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

i am having an issue with the overdraft fees my bank is charging me. On XXXX I checked my mobile banking app to see how much money I had after a weekend of shopping. I spoke to a customer service rep and was informed that all the fees i incurred were correct to the sum of XXXX. This balance has increased to XXXX dollars in the matter of a week. A XXXX $ that comes out automatically should have been rejected if the funds were not available was processed just to turn around and give me a XXXX $ fee for the transaction. I find these practices to be criminal and predatory.
Product: Debt collection

XXXX fraudulently added charges to my phone bill. We had a total of 5 phones 2 for myself 2 for my fiance at the time at 1 for her XXXX XXXX XXXX daughter. The XXXX XXXX XXXX became defiant and moved out so we suspended the line and XXXX guarantee we wouldn't have to pay any charges for voice services on equipment charges. We paid paid all of our phones off and when it was time to renew our contract we decided to go with XXXX instead of XXXX due to us moving to a new city and XXXX had better coverage. We paid our entire bill and phone on the same day located XXXX XXXX XXXX XXXX XXXX # XXXX. Sometime later I received a call from XXXX saying we still owed them and we know we paid our entire bill. So i asked for a breakdown of charges. The lady proceeded to tell me that when we ended our contract with XXXX  that the line that we suspended and hasn't been paying for for over a year didn't get canceled and was reactivated when we canceled the other 4 lines. She couldn't explain how it happened or how it made sense to start charging for a line that was anyway suspended and not in use. I verified that it wasn't due to any equipment charges and she confirmed. This debt was caused either by intentional fraud in XXXX  behalf or due to a system error. But the debt is not mine and XXXX  needs to fix this as now a debt collector is trying to collect a fraudulent debt.
Product: Debt collection

I got a notification to my credit report that an account was opened early last year without my consent or knowledge at the time I lost my wallet and had to get a new drivers license and social security number. I reached out to the police and they did an on going investigation about identity theft. I then sent in that police report numerous times and the Collin asset group refuses to acknowledge the fraud on my behalf at this point its been a year and they havent gone anything to make it right and its affecting my credit in a huge negative way I need it fixed immediately.
Product: Mortgage

Hello, On XX/XX/XXXX my family lost our home in a wildfire. Insurance provided us with the check for the dwelling in XXXX and we immediately mailed it to United Wholesale Mortgage. The check was in my wife and I 's name and UWM 's as well which is why we had to send it to UWM. UWM proceeded to cash it, our loan balance showed {$0.00} and we are due back {$120000.00} which is the excess of the insurance checks over our loan balance. 

On XX/XX/XXXX UWM processed the check and mailed it, however due to a clerical error on their part with a butchered address, it never made it here and now it's back in their hands. 

Every time we call we get tossed around and thrown a new story, never any supervisors available and this last time they said they have to put a stop payment on the check and reissue which takes 30-60 days. THey are holding our livelihood and money we need and are relying on for far too long. They've had XXXX XXXX  insurance check cashed since XXXX of XXXX and it's now mid XXXX. We're scared and nervous at the incompetency of the company and how long this is taking. 

Please help! They won't help and it's just constant push back and delay delay delay, call back, we'll call you back and never do, it's just thing after thing. This company is run extremely poorly and incredibly inefficient from a customer perspective. 

Thank you. 

XXXX, XXXX XXXX
Product: Debt collection

Navient student loans have been collected interest payments from my parents since XXXX. In my best ability to contact them while on XXXX XXXX orders serving in XXXX I had my mother send them my contact information. They never contacted me via gov email, personal email, or phone. Between XXXX and now they removed my father ( co-signer and retired 100 % veteran ) off the loans, credited him {$600.00} and made my mother, XXXX XXXX the beneficiary. After a security clearance alert, I contacted Navient directly. They told me they sold my loans off and had no idea I was XXXX XXXX. I commented that the information they provided me was predatory, lacking in my self awareness, XXXX XXXX needed to be continuously updated. When I questioned why my father was removed and not forgiven for several loans, they told me to refer to the collections. Navient purposely and willfully, attempted to collect a debt both illegally and without true transparency.
Product: Payday loan, title loan, personal loan, or advance loan

Agent XXXX at titlemax did not read the disclosure about how the contract works. The Federal Truth In Lending Disclosure to be exact. Agent XXXX did not explain how the Finance charge process operates. The amount financed states the amount of credit provided to me because I am the one who extended the credit. Titlemax has violated the Truth In Lending Act Disclosure per United States code 15 1605 " Determination of finance charge '' additionally 18 U.S Code 1341 " Frauds and swindles ", 18 U.S.Code Chapter 47 " Fraud and False Statements, U.S.code 15 45 ( a ) " Unfair methods of competition unlawful '', 15 U.S.code 52 " Dissemination of false advertisements '', 12 U.S.code 1431 " powers and duties of banks ( But I am listed as the " Borrower '' which is false because the code states only the banks can borrow ) 1, 15 U.S.code 1611 " criminal liability for willful and knowing violation '', and title max is fined XXXX XXXX by Consumer Financial Protection Bureau XXXX  for " PREDATORY LENDING PRACTICES '' in Georgia, in which I abode.d.
Product: Money transfer, virtual currency, or money service

I was reached out by an account manager to invest in XXXX XXXX XXXX. I said I didn't know much of investing. I initially started with a XXXX invested, once " profits '' increased I had to pay a fee of XXXX the account manager gave me his word no more fees after paying this and I can withdraw my money. I got an email that same night after requesting the withdrawal that I should pay a fee. I freaked out all these fees I wasn't told about and I had send it asap. I told them to please just refund my money I didn't care about profits anymore. To not make the story longer they said they would refund the money in 7 days but I could not re invest with my name if I wanted to in a future. Today after logging in the platform, I get a message the email doesn't have an account and both the account manager and person who contacted where know where to be reached and the customer service department on the website never responded. Total fraud after a total of {$9100.00} included I had a charge of {$3500.00} debited from my account unauthorized from me. I am giving this information because I don't want this to happen to any good person who makes honest income from these scammers!!
Product: Mortgage

JP Morgan Chase required I pay them up front {$500.00} to consider allowing me to refinance my existing loan. The XXXX was not part of any of the closing costs they just demanded my credit card on the phone during Initial conversation. Then they delayed my opportunity to refinance for 7 months claiming paying quarterly property taxes was out of the normal. However I have always paid property taxes that way each of my prior XXXX refinances with chase plus my Initial mortgage with chase during past 13 years. Then over the next 6 months I had 3 loan officers contacting me and demanding I provide financial and employment documents via unsecure unencrypted XXXX accounts. My credit monitoring notified me of a breach. The documents fell victim of cyber security breach because of chase failing to request documents via secured channels. My identity was compromised. I sustained financial losses and damages
Product: Credit reporting, credit repair services, or other personal consumer reports

partial acct # XXXX XXXX XXXX has not sent me proof within 30-45 days or an obligation of this alleged debt as requested by me and continues to report this derogatory information to XXXX, XXXX   and XXXX. XXXX XXXX had not communicated with me through phone nor have I seen any letter concerning this so called debt at any time before this deorogatory informaton appeared on my credit reports. This is creating problems for me relating to higher interest rates and lowering my credit score. I disputed this account in XX/XX/XXXX on or around the XX/XX/XXXX and in XX/XX/XXXX on or around the XX/XX/XXXX to all 3 bureaus with no verification or validation in the form of a contract or documents with my signature on it from XXXX XXXX. Proof I have sent letters with tracking receipts will be attached. 

The only correspondence that I received from XXXX XXXX was information about an opening date and a billing statement and a balance {$520.00} which could not belong to me. This does not qualify as full verification per FCRA. They continue to ignore my request for contracts and signatures as proof concerning this account that is reporting to my credit report. 

XXXX XXXX continues saying everything was verified. To date XXXX XXXX continues to not verify this so called debt. Under the Fair Debt Credit Reporting Act I have the right to demand this information for the account being reported on my credit report. 

XXXX XXXX is in violation for continuing to verify accounts with the credit bureaus without providing requested evidence. I believe XXXX XXXX does not have these documents or they would have produced them in the past 60 days. I believe they are blatantly breaking the law. For this reason I demand all derogatory information from XXXX XXXX to be removed and deleted and never to appear again on my credit report with all 3 major credit bureaus.
Product: Credit card or prepaid card

I received an Economic Impact Payment VISA Debit card in late spring or early summer 2020. I called the number on the card and activated it. I believe I was able to log on to the website at XXXX and check the balance, which was {$1200.00}, to the best of my recollection. 
I have not used the card yet. I tried to check the balance today on the website and the response page was blank. I called the number on the card, XXXX, and the automated system did not recognize my PIN. I called the number several times more to try to reset my PIN but the automated system either ended the call or continued to ask for a PIN. 
I am hesitant to use the card for fear the transaction will be rejected because my PIN won't be recognized. I fear I will never be able to access the economic impact payment to which I am entitled. 
There is no information on the eipcard.com site about where else to turn for assistance with EIP  card issues, it only refers back to the malfunctioning eipcard.com site and XXXX automated phone system. 
XXXX or Money Network or XXXX need to provide reliable customer service, especially when fulfilling XXXX Government benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax + XXXX XXXX, To Whom it May Concern : On my XX/XX/XXXX Equifax credit report it says I have late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the below XXXX  XXXX account : - XXXX  XXXX XXXX XXXX XXXX  XXXX Enclosed with this complaint/dispute is a letter from XXXX  XXXX dated XX/XX/XXXX that clearly says they have submitted a request with all 3 CRA 's , and Equifax, to remove the delinquencies from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The letter clearly states my account was a secured card, was closed XX/XX/XXXX, with a {$0.00} balance owed. 

Therefore, there should not be showing late payments as well for XX/XX/XXXX and XX/XX/XXXX. 

Enclosed with this complaint are : - my drivers license - my address- my w2 for social security number proof - written complaint - letter from XXXX XXXX - screen shots of my Equifax report where these are showing Please have this handled, as the letter from XXXX XXXX says immediately, as this false information is damaging my credit and my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - XXXX Skrill account, complete verification. Attempt to deposit via credit card of which I am the sole account holder, which is denied. Attempt to deposit via TD checking account of which I am the sole account holder, which is denied. Decide to initiate a bank link with XXXX which is stated to take 24-48hr to verify through me entering the amounts of two test deposits. 

XX/XX/XXXX - Receive email from Skrill stating my account is permanently closed. No reasoning is provided. I submit a support ticket requesting the reason for why my account was locked and seek to unlock it. 

XX/XX/XXXX- Skrill responds : [ Start ] " Regrettably, during a recent audit of your Skrill account, we found reasonable grounds to discontinue our business relationship. Therefore, your account has been closed. Please note that this decision is final. 

For more information, please refer to articles XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of the Terms and Conditions you accepted when you registered. '' [ End ] Some of the articles cited ( i.e. XXXX, XXXX ) don't even exist in the current ( as of XX/XX/XXXX ) ToS ( version dated XX/XX/XXXX ). Of those articles cited which do actually exist in the ToS, they are irrelevant to my case ( i.e. opening, verifying and funding my account ). No violation of the Skrill ToS occurred in any capacity, let alone according to the cited articles. 

XX/XX/XXXX - I reach out to Skrill from a different email address [ XXXX ] to ask about re-opening the account. They point out that the email I am using is not linked to any account and the correspondence closes. 

XX/XX/XXXX - I open a Skrill account using [ XXXX ]. During verification my account is flagged as a duplicate and closed automatically. I send them an email asking to have my account unlocked from [ XXXX ]. 

XX/XX/XXXX - I reach out to Skrill from the email address associated with the account, and make it clear that I am confident that I have not violated their terms, that my account was locked in error, and that I am willing to complete further verification as necessary. 

XX/XX/XXXX - Skrill responds stating : [ XXXX ] " After checking with our records we regret to inform you that your account can not be reactivated. Your previous account has been permanently closed by our team and therefore you would not be able to use our services. '' [ End ] No further reasoning for maintaining account closure is provided. I need the account to receive owed money as a counterparty ( for reasons beyond me ) only offers payment in Skrill. Otherwise, I would do without it.
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit report were not given permission to do so.. 
XXXX XXXX First Pacific Funding XXXX XXXXXXXX XXXX XXXXXXXX Please have removed from my report, thanks..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX, who appear on my credit file as XXXX, trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires date of XX/XX/2017 Neither of these did i authorize or give permission. they are a result of fraud.
Product: Checking or savings account

Someone used my debit card to withdraw {$60.00} from my account. I repotyed this as fraud, my bank later decided this was a valid transaction made by me. It was not.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian Credit Reporting Agency , block information appearing on my consumer credit report that is the result of Identity Theft and Fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of two personal credit card accounts opened at XXXX XXXX on XX/XX/year>, Acct # XXXX with a balance of {$1400.00}, and XXXX XXXX  opened on XX/XX/year> Acct # XXXX with a balance of {$730.00}, both aforementioned accounts have resulted in charge-offs being reported on my consumer XXXX Credit Reports. One other fraudulent account opened at XXXX the transportation solution opened on XX/XX/year> Acct # XXXX in collections XXXX XXXX XXXX XXXX with a high balance of {$4000.00}. These accounts have resulted in several fraudulent hard inquiries, fraudulent charge-offs and collections appearing on my consumer XXXX Credit Reports. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the above fraudulent items. I do not recognize the above accounts, collections, charge-offs, or hard inquiries as reported. The above accounts, collections, charge-offs, and hard inquiries are the result of Identity Theft and Fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint Case # XXXX as proof from the US Federal Trade Commission that all the above consumer credit accounts, collections, charge-offs, and hard inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission toto I.C. SYSTEM, INC # XXXX, XXXX XXXX XXXX I # XXXX, XXXX & XXXX XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than toto I.C. SYSTEM, INC # XXXX, XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXX XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Product: Checking or savings account

On approximately XX/XX/21, I received a XXXX XXXX card to activate for an account opened in my name at Wells Fargo. I did not open an account at this bank. I did not activate the card. 

About 2 days later, XX/XX/21, I received a PIN for this Debit card. 

There are no Wells Fargo Banks or ATMs near me for over XXXX miles. When I checked the customer service number on the card with the customer service number on the Wells Fargo website, they were the same phone number.
Product: Student loan

My total original amount borrowed is {$27000.00}, roughly. However, my interest rates caused my total balance currently to date to be nearly {$70000.00}. Over the years I contacted SallieMae/Navient many times to lower my interest rate which was 12.75 % for many years due to the fact that I was unable to make my payments. They kept having me be put into forbearance and pay the {$150.00} to which I did just so the phone calls would stop. I also told them when they did call that I was out on XXXX due to a work accident and was not making nearly what I made between my three jobs at the time. On XXXX of 2017, I called them again after I received a very high payment schedule and told them I am currently in school, and I do not even make my monthly payment at my job. Magically, they were able to reduce the interest rate to 3.0 % and also reduce my monthly payment from nearly {$1200.00} a month to {$300.00}. Even with the repayment plan that I am on, I have already had to call twice to have them " fix '' the payments because I am being charged a late fee because someone did not put the payments in correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Number ; XXXX XXXX {$0.00} XXXX - - XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} - - - XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts on my Transunion credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

MISSING INFORMATION ON MY XXXX   AND EXPERIAN MY MORTGAGE XXXX XXXX ACCOUNT # XXXX BALANCE XXXX HIGH CREDIT AMOUNT XXXX DATE OPEN XX/XX/2015 TERM 30 YEARS ACCOUNT STATUS PAID AS AGREED XXXX   ATTACHMENTS
Product: Mortgage

Foreclosure sale is Monday XXXX XXXX, XXXX. 
We have asked for short sale to non-profit and have been unable to get cooperation from the lender. We have provided them with contractor estimates, but they have been unwilling to review them and accept them. They are misrepresenting the condition of the house to the lenders for the foreclosure sale. We have sent them a qualified written request in XXXX, XXXX and again today, XXXX XXXX, XXXX. 
They do not seem to be willing to review the actual condition of the house.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXnquired on XX/XX/scrub> XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX, Account # XXXX has violated my rights. 

15 US 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 instructions.