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

The capital one charges started from XX/XX/2023, to XX/XX/2023. The total charge is about XXXX. I've let my XXXX son purchase an item on a game or app called XXXX of XXXX. But at the time, I was also dealing with a divorce with my spouse. So I couldn't be bothered by anything else. So I've never paid any attention to the card. It wasn't until I've received a bill of XXXX that I've found out about these charges. But now that I'm reporting these transactions as unapproved transactions, they are stating that it was a valid transaction. And is reinstating the transactions back. All those transactions were made by an XXXX XXXX XXXX boy and not approved by me.
Product: Mortgage

About 5 months ago I did a refinance with a mortgage company over the phone ... That process was fine. But they transferred my mortgage to an unknown company to me called PHH Mortgage address : 1 XXXX XXXX, XXXX XXXX, New Jersey ph : XXXX ( XXXX ) XXXX. 
This is when all the problems started. 

My main concern right now is that the way they process payments. I made a phone payment with a rep named XXXX he said they he used my existing card info to make a payment, I got a confirmation number. He said that the funds would be taking out in about 24 hours ... that time has passed and the funds are still in the account. 

I called my bank XXXX and they confirmed that there is no activity for withdraw I have been trying to call PHH to see  what's going on and can not get anybody on the phone and place on hold for 15mins on average. Now this has spilled into my work and I can not stay on hold with them for this amount of time. So now I have to see why the payment did not go through ... and also make sure that they don't make ANOTHER transaction and double charge my account. 

- Web site is very poorly designed, very hard to navigate, they use their own banking jargon that is foreign to me -Payments are not successful, the way the process payments is poor. For example, they have double charged me previously -Very, very difficult to contact during regular business hours you can be on hold for up to 15mins or more, calls drop ... no call backs and they do not keep their word when they said they WILL send documents. I am waiting on a statement to be e-mail that I asked for days ago and still have not got the e-mail. 
-Main problems are : The web-site ( online payments ) Communications - Very difficult to get a rep online I am battling a XXXX XXXX illness and this is giving me great XXXX  because I have to stay on them because there is no protection for the homeowner and they can add charges ... claim that they didn't get my payment. I am not in default with them but I can see it going downhill because of their processes and miscommunications. When I was with XXXX XXXX I never had this problem, took about 2 clicks to make a payment and done! I made this payment on XXXX XXXX ( online ) and still dealing with it. I just want it to be over with, my XXXX payment is coming up and I am getting the same anxiety ... I can not deal with this every month. I am trying to get a larger company like XXXX or XXXX XXXX to buy back my loan. I have been getting up extra early to contact my bank and mortgage company back and forth, missing out on large parts of my day, and XXXX XXXX by the end of it ... But I can not get tired or slip, because things can get out of control. 


Next goals : see the funds transferred get a new mortgage company ASAP!!
Product: Credit reporting or other personal consumer reports

This account been reporting inaccurate information to my credit profile I want this account report off my credit report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/ Letter 3 :XX/XX/2020Letter 4 : XX/XX/
Product: Checking or savings account

I made a dispute on XX/XX/2020 the bank asked me to send a dispute form which i did. The same day the responded with an email telling me that my temporary credit would be back into my account by XXXX which was a total of 10 bussiness day but when i called bank they said that they didnt receive my dispute form that they only had received a link. I had spoken to them all they way up until it was time for my provisioner credit to be released they ensured me that i would have to wait to the end of the 10th bussiness day which i did and i still havent received my money this isnt the first time bank had did this. They told me that i submitted my form late which i didnt and that i would receive and email which i havent. If these things are not done i will be seeking legal advice and sueing company for not following laws. Your company was given everything asked of me.
Product: Checking or savings account

On XX/XX/XXXX th my account had a negative balance causing an overdraft fee. Instead of my bank declining further automated charges they allowed them to process sending my account into a lower negative balance. A total of three charges were allowed to clear although I didnt have the funds available in my account. Chase then turned around and charged me an overdraft fee of {$34.00} each for all three of those charges. Mind you two of the charges were lower than the fee itself as one charge was {$16.00} and the other was {$24.00}. My account was now in the hole over {$200.00} with most of that being overdraft fees. I cant afford that. Its ridiculous how predatory these banks are. I am currently in the process of switching to a bank that does not have overdraft fees because I cant afford being charged an overdraft fee for a charge you knew I didnt not have the funds for in the first place. Shame on you for your capitalistic strategies to take money from those who dont have it to begin with.
Product: Vehicle loan or lease

Good Afternoon, I filed a previous CFPB complaint for this problem where I referred to the financing agreement as a reaffirmation, which is what I thought it was : Ally is calling it an Auto refinance, so I am filing a new complaint using the auto refinance terminology. 

I financed a XXXX XXXX XXXX thru GMAC which was then transferred to Ally bank. The car was titled in Maryland. The VIN number is  XXXX. The car and loan were included in a XXXX chapter XXXX bankruptcy. After filing the bankruptcy, I was contacted by Ally bank and asked if Id like to keep the car. They offered to refinance the loan and make it more affordable for me. I accepted the new loan and paid the new loan in full, every payment on time. The loan has been paid in full for more than 5 years. I have actually purchased a new vehicle since then and also financed it with Ally bank and it has been paid in full. The XXXX is in very poor condition and not running. It needs a transmission, among other problems. It wasnt until I tried to dispose of the car that I realized I did not have the lien release. I have been trying to work with Ally to obtain the lien release for over 6 months. I can not properly dispose of the car without the lien release. I have been told by Ally that they have outstanding fees totaling over {$1000.00} from the first loan that they did not include in the refinance. I have been told that they are not attempting to collect the charges because they were included in the XXXX bankruptcy but that they will not provide me the lien release until the charges are paid. I paid the new loan they gave me for the car in full and would not have accepted the refinance offer if the car was not going to be mine free and clear at the end of the loan. Ally has assigned the following case number to this complaint : XXXX. Additionally, Ally can be reached at XXXX option XXXX
Product: Checking or savings account

On a monthly basis, I make a {$1000.00} mobile deposit from my XXXX Checking Acct. into my TD Checking Acct. XXXX for the sole purpose of making an internal transfer payment to my TD HELOC Acct. XXXX. This transactional activity is the only activity in my TD Checking account. The account is not used for any other purpose. This can be corroborated by reviewing all account statements since opening my TD accounts.

Historically, funds have been made available to me " next day '' upon which I make an internal payment to my TD HELOC Acct. On XX/XX/2018, I made a {$1000.00} mobile deposit as described above. The funds have been Debited at XXXX and still being held by TD Bank. After calling TD Bank for clarity, I was told a 6 Day hold was placed on these funds for fraud concerns. At NO POINT has anyone from TD Bank contacted me to raise this concern or inform me of the extended hold. 

As a result, I now risk a late payment being made to my TD HELOC account, something I have NEVER experienced with any debtor at any point in my financial history. Consequences of a late payment may result in my TD HELOC interest rate being raised. 

I am concerned that TD Bank is utilizing a 6 Day hold on my mobile deposit in order to prevent me from making an on-time payment and in turn increase my TD HELOC interest rate. I feel taken advantage of and don't appreciate that I need to go to a physical TD Branch in order to resolve this issue. This is unacceptable. Deliberately making it difficult for a customer to make a payment ( as I have done consistently without issue or change in variables ) is in my opinion, manipulative and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$430.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately and updated or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

Got a call on XX/XX/XXXX from a third party asking me to contact XXXX XXXX out of CA and ro provide a case #. I am told by XXXX XXXX that I have an lawsuit that is in prelit in regards to an a debt with XXXX XXXX from XXXX. That they have been sending me letters about this.I was told I could settle the claim at that time and if i did not pay that then they would take me to court and I will owe more then {$5000.00} including attorney 's fees and expenses. I have never received any letters from XXXX XXXX or XXXX XXXX about any money owed. I asked the company to provide me with statements or an account number to prove that I owed this money. The rep told me that they did not have to. That and document 's that they had would be provided to me in court. If i did not pay something like {$1200.00} at that time, they could sue me. I would not be able to negotiate and could garnish my income and or tax return. I kept asking for proof. She then asked me for my email address and that she would send me a letter about it. I gave it to her only wanting further information, thinking this was just a scam. Never did i agree to any of the claims. I called XXXX XXXX Recovery Dept and they do not have any accounts in my name. Current or past. The rep at XXXX XXXX told me to insist on the company provide me with proof of this debt. Even an account number and give it to XXXX XXXX to research. I do not owe this money. Nothing has ever showed on my credit report of any money owed to XXXX XXXX  or any other company. I have made major purchases and this would have showed up.
Product: Checking or savings account

I opened a Chime bank account a few months ago because I was interested in their high yield savings account. I transferred a lot of money from two other personal bank accounts and at the end of XX/XX/2021, I had about $ XXXX in a Chime savings account. I am now in the process of closing on a home and I need to access my funds for the down payment. Chime does not offer external wire transfers or certified checks so in order to have this money available, I have to transfer it back out of the account to an alternate checking account. Chime has a limit of $ XXXX per day and $ XXXX per month that can be transferred. On XX/XX/XXXX, I transferred $ XXXX out of the account, on XX/XX/XXXX I transferred another $ XXXX out of the account and on XX/XX/XXXX I transferred the last $ XXXX out of the account to bring me to the monthly limit. I was planning to do another large transfer at the beginning of XXXX in order to have everything available for my XX/XX/XXXX closing date. I received an email from Chime on XX/XX/XXXX that they froze my account. I made numerous attempts to call them ( they claim their support team only operates via email ). So I sent an email. Every day this week they write back asking for another piece of documentation. All of which I have provided in a timely manner. It has been over 24 hours since they last responded and I have made it very clear how important it is to look at everything I have submitted to show all the transfers were legal and legitimate and they have not replied. I am starting to panic that my funds are going to be stolen. I also can't even access the account to provide statements for my mortgage lender to show proof I have the money. I am in desperate need of assistance as the bank has zero sense of urgency and is not helping me.
Product: Debt collection

In XXXX of XXXX JJ Marshall & Associates , IncXXXX alleged that I owed them a debt of {$910.00} and began reporting this collection account to all three of the major credit agencies on a monthly basis. In XXXX of XXXX I sent JJ Marshall a debt validation letter and requested evidence of their legal standing to collect the alleged debt. In XXXX of XXXX JJ Marshall responded that my dispute was lacking any facts or information that would allow them to conduct an investigation. They also sent me a copy of a lease agreement that did NOT state, appoint, or recognize JJ Marshall & Associates Inc. as the landlord 's representative or the assignee of the landlord. Therefore, JJ Marshal failed to provide their legal standing in this matter and used my personal information without my consent to manufacture an account that was deliberately reported to the credit reporting agencies in an attempt to collect a debt that was not owed to them. I proceeded to dispute the account with the credit reporting agencies but the account was continuously verfied. In XXXX of XXXX, I reached out again to JJ Marshall to give them another opportunity to provide me with their legal right to collect on the alleged debt in hopes of resloving the matter. JJ Marshall ignored my request and continued to update the account as a collection, causing severe ongoing damage to my credit report and score. On XX/XX/XXXX I made one last goodwill attempt to resolve this matter and JJ Marshall declined to settle. After exhausting all options I filed a police report for fraud with my local police department. JJ Marshal has not only violated the Fair Credit Reporting Act and the Fair Debt Collections Practices Act but they also violated my rights under the Michigan Consumer Protection Act to include multiple offenses XXXX Unfair, unconscionable, or deceptive methods, acts, or practices in conduct of trade or commerce. JJ Marshall has yet to supply me with ANY evidence that they have the legal authority to collect this alleged debt and therefore have no right to report this derogatory and fraudulent information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the listed accounts ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1400.00} ;
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment through my bill pay for {$87.00} and it was not applied to the card or returned back to the bill pay. 
On XX/XX/XXXX I made a payment for {$120.00} through my bill pay and it was not applied to the credit card or returned. They have been charging me interest and late fee even though the card is paid and even when we send over the wire trace details the Barclays Team is not applying the payment. 
The customer service people do not have access to the payment application team and my payments seem lost. I have called numerous times and a provisional credit gets applied then unapplied. 
They are also not returning the payments back to the bill pay service so they are taking the funds and I am not sure what is going on there. My payments are lost and you can not talk to anyone who can actually rectify the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX on XX/XX/18 violated my 609 rights by reporting incorrect information to TransUnion, XXXX, and XXXX, regarding my credit file. The following Credit Bureaus further violated my rights by adding this incorrect information to my credit profile for others to see. 

The above Buisnesses, along with others reporting to the following companies XXXX, TransUnion, XXXX, that i applied for credit in which is inaccurate. 

They have violated my rights to have fair information on my credit report. 

My personal information on my credit report is inaccurate as well, i have requested to have my addresses, phone numbers and names, corrected on my report this an violation of my consumer protection rights.
Product: Student loan

I do not have a Student loan, Navient has been calling me daily about payment of a loan using my name and phone number. I have not had any student loans in 30 years. I have spoken to them directly multiple times to attempt to clear this up, but they continue to call me daily. when I block their number they change it to continue the harassment.
Product: Consumer Loan

I have a vehicle that was financed through Nuvell/Ally Financial in XXXX. It was paid off in XXXX. I am trying to get a replacement title because I never received XXXX. The XXXX informed me that there is still a lien on my car and that I need a lien release letter from Ally to get a new title. I have been calling since XXXX ( it is now XXXX/XXXX/XXXX ). They say they have faxed and mailed this letter to me, but I have yet to receive anything. I have spoken to CSR 's and supervisors, with nothing helping.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified accounts from Portfolio Recovery. I have previously disputed this account. I have never done business with Portfolio Recovery Associates. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. Portfolio has reported collection on 3 credit reporting agencies. I sent registered letters to Portfolio Recovery requesting validation of debt for their accounts to the address listed, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters outlining erroneous statement of charges from the alleged account as debt validation. I have requested that Portfolio Recovery, verify the following information : 1.  Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. This account is affecting negatively on all credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with Portfolio Recovery.
Product: Credit reporting

I have disputed XXXX with Experian for over a month. Experian will not let me dispute it anymore even though they are reporting that I have an unpaid balance for XXXX of {$320.00} and this has been paid. I just want the report to read correctly or to delete XXXX since it has been paid. Thank you