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

XX/XX/24 XXXX came out of my account twice. I called Chase and told the person my rent was only supposed to come out once. It was explained to me I could contact the company that rent was paid through or do a stop payment and be charged XXXX XXXX The rent was paid via XXXX XXXX and they have a chat system no phone number and the chat system doesnt work well, you can only see half of the chat screen. I asked for the stop payment and was charged a XXXX $ fee. It is now XX/XX/24 and my checking account is still XXXX $ as chase failed to stop both payments ( they said they couldnt stop XXXX it had to be both ). XX/XX/24 called XXXXhase multiple times and spoke to countless people. I was told I could not get the XXXX $ stop payment fee back. I was told the money never left my account. I was told I guarantee you the money will be back in your account by XXXX EST. XX/XX/24 I called chase a good 3 times for a total of XXXX hours and spoke to XXXX different people. Today I at least was given the XXXX $ back for the stop payment that was never stopped. I was told by XXXX lady that she couldnt find any of the transactions I was referring to. I was told that I cant do a stop payment on a fee??? Not sure what she was smoking. I was told because the payments went through I now how to file a claim, there will be an investigation and I MIGHT get my money back in XXXX business days. Ive been without any money since XXXX. Ive spent all of my free time on the phone with chase trying to resolve this ( prior to the payment going through and after the payment ). And none of them seem competent at their jobs. This is isnt funny, its not cute, I need my money back now. There is nothing to investigate. It came out of my account, its a duplicate charge. I called and requested a stop payment and chase messed that up. So why am I having to wait out an investigation because chase cant execute a stop payment? I want them to now pay my interest rate Im racking up on my credit card and all the lovely late fees Ive been getting for bills linked to this account that arent getting paid. Fair is fair right? Worst customer service I have ever encountered. My favorite part is how from person to person they cant figure out if Im being charged over draft fees. Again all overdraft fees need to be returned as well. I dont over draft my account. Ever.
Product: Student loan

Applied for XXXX on XXXX XXXX. Contacted US department of education and have not heard back. Asked for an update or processing and have not heard back.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and haro inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Issue is with Cash App. I have tried to resolve an issue by providing them with everything they requested of me only to get additional request each time I comply with a previous one. I have a {$150.00} balance on my account that I can not access nor will they give it to me. I had ( 2 ) accounts with them not realizing that one of them was still opened and should have been closed a couple of years ago for a similar reason. I took my chance and opened a new account and now I am in a situation once again. The company do not offer person to person contact and everything must be done via email. As I mentioned, I have provided them with everything they ask for until they started requesting documents that made me uncomfortable and at risk of Identity Theft. In an email, I explained to them I was not aware/familiar with the requested items and therefore did not feel comfortable with the request, They have made no effort to release my funds, froze my account and ceased from communication. Because I did provide them with I California Drivers License 9against my better judgement ), I immediately contacted Life Lock and advised them of the dilemma to assist with visibility in case of an identity threat. I just want my funds return/released and I will NEVER deal with Cash App again.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I have not been able to get help from them. They still have my money withheld from my XXXX sales. The total amount exceeds {$4600.00} from XXXX and XX/XX/2021. I'm submitting my complaint on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently with absolutely no problems in the past. I have submitted all tracking numbers on time and every item that I sold has been delivered. No issues or complaints from my customers. My email linked to my PayPal is XXXX XXXX
Product: Student loan

XX/XX/2018 received a call from Navient that my student loans were in default : I explained that my student loans were in deferment. Navient stated as of two days before XX/XX/2018, it came across their desk that it was turned over to them in default. I explained that I haven't received anything stating my loans were no longer in deferment : Navient stated loans were in default and interest has been accruing and demand I pay something. Navient also stated the amount was {$250000.00} which is incorrect because one letter states I owe XXXX. Navient also contacted my children for my information. I also just received a letter stating my wages will be garnished by the IRS. They are not even trying to work with me to find out why my loans, all of sudden are in default and why are the amounts incorrect with added massive fees. I also checked the student loan databases and Navient has added these incorrect amounts to my student loans which are very confusing. That is not the amount I owe after I left school.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to XXXX multi - layered scam operations run by " XXXX XXXX '' and an " XXXX agent '' which involved me making deposits for a total amount of XXXX usd from XXXX XXXX XXXX account to fraudulent investment firm ( XXXX )
Product: Mortgage

Citizens bought our loan in XXXX. I have paid all of our payments on time or early. I was paying {$500.00} biweekly. 

In XXXX of XXXX this became an issue with Citizens even though I was about {$3000.00} ahead on our payments. They stated, among other things that we could not pay ahead and that we owed money due to placing an escrow on our account- even though we submitted documents that we did not owe any money as we were paying our taxes and insurance ourselves. 

In XX/XX/XXXX, Citizens started returning our checks- I sent them back to them with a letter stating they were to be applied to our account and that the situation needed to be resolved. 

In XX/XX/XXXX, Citizens stopped allowing our bank to send payments to them ( they were automatic ). 

In XX/XX/XXXX, I had to send Citizens attorneys {$11000.00} to prevent my home from being sold/foreclosed on. 

I felt this would create a fresh start, but in XXXX of XXXX we started getting the same letters. This time I have kept very specific records of my conversations with them. I have stopped paying ahead on our mortgage to prevent issues, but once again, there are issues. 

In XXXX of XXXX, I was notified that Citizens had sold our loan to XXXX. They are now pursuing collections on us due to the file submitted to them. 

We are about to loose our home, our credit is destroyed, and my husband may loose a job opportunity due to our credit ( due solely to Citizens ). 

We want our account corrected and our credit restored.
Product: Mortgage

Purchased dream home in XXXX XXXX with Countrywde. In XXXX XXXX was contacted by By Broker XXXX XXXX XXXX for lower payments, refinanced my husband ( XXXX Vet ) into another conventional loan ( XXXX XXXX ) with New Century Mortgage ( Bankrupt NC ) .in XXXX. XXXX Payment was due to XXXX in XXXX, but was notified in XXXX That it had been sold back to Countrywide and we would make our payments to Countrywide. XXXX my husband begin to get sick and got hurt on his job XXXX. Got behind on payments and was struggling to make ends meet. In XXXX XXXX signed a reconstruction/with Deed in Lieu of Foreclosure and a payment of {$1700.00}. My husband signed this on XXXX, XXXX and on XXXX, XXXX, the XXXX XXXX In served us with Foreclosure papers. We now know this as the famous Dual Tracking. We were stunned, and that 's when our almost 10 year nightmare began. From XXXX XXXX, we have had XXXX attorney 's and several who said they would n't touch it XXXX, several who have said that there was a conflict of interest because they had worked with the Broker, Title Company, and Now XXXX XXXX XXXX, who supposedly purchased the loan in XXXX. We have been through XXXX bouts of Foreclosures and XXXX Chapter XXXX Bankruptcy. Plus XXXX different Loan numbers all on the same house. The Title Company was closed by the FBI, the title company owner is in jail, and his wife who was his notary signing agent has most likely gone to jail by now. They were XXXX XXXX and XXXX of New Age Title. Also ran a XXXX business out of the same location in XXXX, In across the bridge XXXX. The Broker was hired by XXXX XXXX XXXX who offered us {$10000.00} to get lost in XXXX. We knew that everything was terribly messed up, but no idea until the second Foreclosure in XXXX. We presented title work, and had a private investigator to trace from the beginning of XXXX XXXX to XXXX XXXX. We presented our facts in our Foreclosure Hearing in XXXX XXXX, with the Pooling and Sevicing Agreement for XXXX and was told by Judge XXXX of XXXX XXXX, In that it was Hear Say, and if we did n't have the XXXX that Deustch Bank was Foreclosing on, we had to surrender and vacate the house, because we had lived there for 7 years and had n't paid a thing. We had spent our money on attorneys, this mess forced my husband into XXXX from the XXXX, and I was already XXXX since XXXX. We were too tired to fight another day. We vacated the house in XXXX XXXX, we moved XXXX and was homeless for a month, but thanks to a couple here XXXX who looked pass our circumstances let us rent a furnished XXXX bedroom condo. My husband has never been able to use his VA Certicate for housing, and it does n't look like he will ever be able to use it. Our belongings are still in a Pod Storage facility XXXX, his health is again failing, and our credit is tore up. This is n't what we thought we had planned for our last years, the stress of this 10 year ordeal has taken a toll on us XXXX.
Product: Credit reporting or other personal consumer reports

i was reviewing my credit report and noticed that a collection account from XXXX XXXX was still showing even though i paid the collection years ago
Product: Money transfer, virtual currency, or money service

When sending money to people did not ask me if I was sending it to the correct person prior to sending it. Once the money was sent there was no way to recover it if sent to the incorrect person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter to Experian disputing an account on my credit report that does not belong to me and that has inaccurate payment details compared to other reporting agencies such as XXXX and XXXX. 

The disputed account has a debt balance of {$4200.00} and is listed on my Experian credit report. Despite the fact that I have never opened an account with the company in question, the account was erroneously added to my credit report, damaging my credit score and my ability to obtain credit. 

After sending my dispute letter to Experian, I received no response or acknowledgment of receipt for several weeks. On XX/XX/2023, I checked my Experian credit report and found that the dispute had been completed and the account had been updated, but without mailing me proof of debt and other relevant information. This was unacceptable and left me feeling frustrated and powerless. 

To my surprise, XXXX had already deleted the account from my credit report, which confirms that the debt in question does not belong to me. XXXX also has no record of the debt, which further supports my dispute. I find it puzzling that Experian would not do the same, despite being provided with the same information.
Product: Credit reporting

I was trying to verify my identity in order to rent an apartment. However, I failed the identity verification XXXX via phone. Although, I have answered the questions correctly, I somehow managed to fail my own identity. 
I wrote down the questions and the answer choices given to me, and there were a few answer choices that came out on both phone calls -- I am assuming those are the " correct '' answers that they were looking for, although they were all false.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX Account Bankruptcy XXXX XXXXXXXX reference # 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 or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I signed up for a Citi Bank checking & saving account in XX/XX/2020. I signed up under a promotion which would provide {$400.00} for maintaining a {$15000.00} balance for 60 days and {$100.00} for making two qualifying direct deposits. On or before XX/XX/XXXX, I met these requirements. Citi was contractually obligated to deposit the {$500.00} into my account by XX/XX/XXXX ( 90 days after I met the criteria ). 

On XX/XX/XXXX, I contacted Citi, who agreed that the money should have been deposited and promised to deposit the money by the end of XXXX. Some time after XX/XX/XXXX, Citi bank closed my checking account without my authorization, notification, or request. 

On XX/XX/XXXX, Citi bank issued a letter stating that the funds could not be deposited because the checking account had been closed. This letter falsely stated that I had closed my account on XX/XX/XXXX. On XX/XX/XXXX, I spoke with a representative who confirmed that Citi was in error, acknowledged that the {$500.00} should have been deposited on or before XX/XX/XXXX, and acknowledged that Citi had mistakenly stated that my account was closed on XX/XX/XXXX. 

On XX/XX/XXXX, however, I received another letter again falsely stating that my account had been closed on XX/XX/XXXX, and I was therefore not eligible for the {$500.00} reward. On XX/XX/XXXX, I spoke with another phone representative who also acknowledged Citi 's error, but was unable to provide assurances that this issue would be resolved.
Product: Debt collection

This letter serves as a formal demand that XXXX XXXX XXXX immediately cease and desist all collection efforts and communications regarding the above-referenced account ( # XXXX ). 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am invoking my right to demand that you cease all contact with me regarding this alleged debt. This includes, but is not limited to : Phone calls ( to my home, work, or mobile ) Letters or written correspondence Emails or text messages Any further attempts to collect this alleged debt Furthermore, I have previously requested validation of this debt under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, yet you have continued reporting inaccurate and unverifiable information to the credit bureaus, knowingly damaging my creditworthiness. This is a willful violation of federal law, and I intend to pursue legal action if this matter is not resolved immediately. 

Intent to Sue If XXXX XXXX, XXXX does not immediately : Cease all collection activities, Remove any inaccurate or unverified information from my credit report, and Provide written verification of the debt with all supporting documents, I will file a lawsuit against XXXX XXXX, XXXX for : Willful and negligent violations of the FCRA and FDCPA Knowingly reporting inaccurate information to the credit bureaus Failure to validate the debt upon request Emotional distress and financial harm caused by your actions Additionally, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. Should this matter escalate to litigation, I will seek statutory damages, attorney fees, and punitive damages as allowed by law. 

Please provide written confirmation that you have received this request and will immediately comply by ceasing all collection activities and correcting the inaccurate reporting. If you fail to comply, be advised that I am fully prepared to take legal action without further notice. 

This letter serves as my final warning before legal proceedings begin. I expect full compliance under federal and state law.
Product: Debt collection

Pulled credit report XXXX/XXXX/15. Sent validation request of XXXX medical collection accounts. Received response from Business and Professional dated XXXX/XXXX/15 refusing to provide validation. Their " reasonable belief '' is incorrect ; validation request was NOT prepared or submitted on my behalf NOR was it supplied by a credit repair organization.
Product: Credit card

I've never missed a payment on this account, always keeping them current. I don't understand why there are reports of late payments on my accounts. As per 15 USC 1666b, billing mistakes should be fixed.
Product: Credit reporting or other personal consumer reports

It has come to my attention that your reporting of my account information to the credit bureaus may be inaccurate or incomplete, particularly concerning utilization data and account history.

As a consumer, I am fully aware of my rights under federal law, including those outlined in the Fair Credit Reporting Act ( FCRA ), the Consumer Credit Protection Act ( CCPA ), and the Privacy Act of 1974. Your disregard for these laws and regulations is unacceptable and will not be tolerated. 

Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq.

Consumer Credit Protection Act ( CCPA ) - 15 USC 1601 et seq.

Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 et seq.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies.

16 CFR Part 660 : Duties of Furnishers of Information to Consumer Reporting Agencies. 
I demand that XXXX immediately review and rectify any inaccuracies in the reporting of my account information to the credit bureaus. This includes updating utilization information and ensuring the accuracy of all data reported.
Product: Debt collection

I got a letter today, XX/XX/XXXX, from RSI enterprises inc., saying that it was attempting to collect a debt from the DC office of tax and revenue. It says that I owe {$4900.00} for a tax period end date on XX/XX/XXXX. It then directs me to pay online XXXX. The issues include:XXXX I did not live in Washington, D.C. during the XX/XX/XXXX tax year, so I do not owe this debt. I would attach a receipt for my XX/XX/XXXX state tax return for the state where I was living, but I do n't want to give RSI more of my personal information. 

XXXX. If this even is a legitimate debt collector with bad data, and not an outright scammer, a ) this is the XXXX I 've heard about this issue -- has this hurt my credit because they notified me 5 years after the data error was made? b XXXX it says the principle was {$2400.00}, the interest is XXXX, and the penalties are {$600.00} -- they essentially XXXX the supposed debt? No wonder they did n't try and tell me sooner that they thought I owed this -- they could charge more interest/fees. 


XXXX. I am split on whether or not this is even a legitimate debt collector. " OfficialPayments.com '' is the most scammy sounding website I 've ever heard of. This is exactly what scammers do to try and trick people -- send official looking letters with threats of owed money, and then tell them to send money through sketchy .com websites. 

XXXX. The letter includes a logo for the " XXXX. '' If RSI Enterprises, inc. is actually a member -- they would have a ) a legitimate website, b XXXX better data. If they are a member of the " XXXX, '' they should be kicked out.
Product: Credit reporting or other personal consumer reports

Hello, On XX/XX/XXXX I created an experian account to report identity fraud and to freeze my credit report. Apparently some HACKED my experian account changed some information on my account and I am no longer able to log into my account. I'm assuming that because I can not log into my account I am unable to unfreeze my credit and I could be denied credit because of your actions.
Product: Debt collection

I feel like my disagreements are being disregarded unfairly. XXXX makes it very clear that failing to review an item within 30 days will result in the item being immediately removed from my credit report. This entry should be removed right away. This account is not mine.
Product: Credit card or prepaid card

Card provider charged my account as " Dispute Credit Reversal '' in the amount of {$120.00} on XX/XX/2019 after giving provisional credit back for the same amount on XX/XX/2019, but then having exceeded the allowed time frame within which to resolve the original credit charge dispute from XX/XX/2019.