23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT ADJUSTERS , L.L.C for committing identity theft. I have never given NATIONAL CREDIT ADJUSTERS , L.L.C any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any type of documentation requesting validation from NATIONAL CREDIT ADJUSTERS , L.L.C before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT ADJUSTERS , L.L.C can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL CREDIT ADJUSTERS , L.L.C can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL CREDIT ADJUSTERS , L.L.C continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT ADJUSTERS , L.L.C will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Student loan

Since my student loan servicer ACS merged with XXXX, I have not been able to log into the website. I am 100 % positive that my username and password are correct. Even so, I tried the reset function, and the temporary password does not work either. 

I called them last Monday, and they said they were aware that people were not able to log in, and their IT department was working on it. It is still not working 9 days later ( and was not working a few weeks before I called, too ). I 've  noticed many similar complaints online. 

I also just called the automated system to make a payment, and it successfully found my account. As directed, I pushed 3 to make another payment amount. All I receive is an error message there, too.
Product: Debt collection

We recently were trying to refinance our mortgage and they ran a credit report and was told this came up. We called the debt collector on the report and they told us it was a pay pal credit card from XXXX which we never had and gave us an address in XXXX where they sent bills and we have never lived in XXXX. We called XXXX XXXX XXXX on XX/XX/XXXX talked to a collector and he told us to file this report. He said the amount is {$5400.00}. He also said to contact the local police and file a report which we are in the process filing the report. XXXX said they would be in touch via mail.
Product: Credit card

I just received a letter in the mail that my credit limit has been decreased from {$2600.00} to {$250.00}, this is really surprising. 

I have used your card so many times and have always paid on time, why you decreased my credit limit by {$2200.00}. 

This doesnt make no sense. 

All the reasons you have provided in your letter are baseless and doesn't make any sense. 

All my credit cards are paid off and my credit score is good right now.
Product: Checking or savings account

I deposited a check on XX/XX/2022 for XXXX dollars into my Chase checking account. The check was returned on XX/XX/2022 and I was charged a {$12.00} fee from Chase for depositing the check that was returned due to no fault of my own. Then they advised that I seek to recover the fee from the person that wrote the check.
Product: Student loan

This is about my student loan and here is my Navient information   XXXX   XXXX   Account #  XXXX  I am a  XXXX   XXXX  student and have been for the past  3+  years Last summer I noticed that Navient had put me down as starting repayments within a few months and took the appropriate steps to rectify this, including the school sending confirmation regarding my student status Now Navient send me an email stating that I am overdue on a payment and another  one  is due now!   They seem to be unable to rectify the mistake, despite my best efforts.   I have also written to their ombudsman and the contents of that email are bellow.   ================================================ The email : Dear ombudsman office, My account states that   I have an overdue payment and more coming.
I am a full-time student!!!!
I saw this mistake coming last summer and did all the necessary steps ( school sent verification ) to correct it.
So why now am I being billed?
Please look into this and correct it.
I am also sending this letter to CFPB T  hank you  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints identifying identity theft on my report well over 4 business days ago. Because my rights have been violated I am demanding that the accounts that I have identified as being the result of identity theft be blocked or removed from my credit report no later than XXXX business days after the receipt of such information that I have sent over in accordance with XXXX XXXX XXXX XXXX. 
See multiple previous submissions through CFPB portal showing accounts identified as identity theft.
Product: Money transfer, virtual currency, or money service

I have witnessed the worst experience of my life facing a serious of problems with Transferwise.com. It has not only cost me financial loss but also my reputation. I have been a customer for almost a month. My documents were not verified for 3 weeks despite countless calls and several emails. The worst thing, i couldn't even withdraw my money into my own account. Neither i can send personal transactions of large amounts just because i accidentally applied my business account during signup. There were days when i had to call even thrice. I couldn't make a purchase from my own money and i seem to stuck my funds with transferwise. They have the worst customer service one can ever imagine with csr telling you they can't do anything. It is what it is so don't bother dialing their support phone. Their verification department seems to be in hibernation or somewhere in XXXX where you have to wait for days for your turn. You get 1 email and then another number of days. Finally they disabled my account which i am sooo thankful for because i was just so frustrated of all the wait. After all this : I am still waiting for my funds to clear out. I have sent them 2 emails and 3 calls in last 24 hours. 1 agent seems to say one thing and other agent seems to say another. Also now they are dropping my calls without any explanation. 
Account number : XXXX
Product: Debt collection

Had a total loss of my car and insurance paid for my car but Im receiving late payments and saying I still owe money
Product: Credit card or prepaid card

My husband and I had a credit card joint with citi bank, it was a secured account, we deposited XXXX dlls to get the credit after several complaints that we have due to interest and fees we decided to close it, for this we have to pay a remainder balance, we tried to make a payment on the bank directly but even the credit card are from the same bank they only accept payment on the phone, we was scared to give our bank information because we thought they could try to make more charges, so we waited until they send a letter asking for the balance we owed. We make a minimum payment on XXXX for {$15.00}, but we noticed that they continued adding more interest to the account so on XX/XX/2020, we decided to call them and paid all the balance we owed it was {$250.00} dlls and we asked to finally cancel the account and dont contact us again but Instead they keep the account open generating more fees and interest now they send a letter asking for a payment balance of {$260.00} when its supposed closed since XXXX. I contacted them several times and when they transfer my call with another office they always hung up the phone, finally yesterday someone answered me, the person on the phone said they never closed the account as we requested and because they said we made our payment one day late, that amount is the accumulated fees and interest, but in the paper the due dates always was the XXXX of the month and I paid on the XXXX, now I have to wait for them to send me copies of all statements since XXXX and then make a letter and send several documents via fax and dispute charges they said it will take 30 to 60 days to have a resolution. I think thats no fair because its a lot of wasting time they made a mistake for no closing the account on time they should fix this immediately but I am not sure they will make something on this matter.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I initiated another bank transfer from my Way2Go unemployment card and the notice said accepted and cleared. After this the transfer was slated to be delivered and charged me XXXX each for XXXX attempts. I was not notified it failed and was credited back the transfer amount but not the fee amount which is now {$2.00}. I have used this method since XX/XX/XXXX and never had issue. Now for the passed XXXX weeks all my transfers were canceled and returned to the Way2Go card. 

This entity is 100 % automated and there is no method to speak to a real person or email for assistance. The state can not interfere or ask questions. This entity is completely autonomous and automated. I can not pay my bills if I can not transfer the funds to my actual account.
Product: Payday loan, title loan, or personal loan

I was served a court paper by world finance case number XXXX for breach of contract that I didnt sign. Someone got a loan in my name.
Product: Credit reporting

There is a public record on my credit report that has not been verified correctly. 

The courthouse does not provide or furnish information to credit bureaus. Therefore, the public record needs to be deleted from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Credit card issued payment to PayPal 30 days later cardholder disputed payment saying he did not approve. XXXX! For sod delivered to his home, how could he disputes it? It was ordered delivered XXXX hours to his house. I have text messages proving he ordered. 

PayPal withdrew the funds after credit card company disputed payment. 

PayPal sent all info proving he ordered sod.
Product: Debt collection

First I would like to state that I have never signed up with Advance America. I never contacted their company nor signed up for services through them. XX/XX/XXXX I stated receiving emails from what appears to be Advance America saying I owe them for an outstanding balance. I have never received anything in my physical mail in regards to any debt owed. I have asked multiple times for them to send me documented proof of debt and they have continued to not send me verification. Yet every few months I receive an email saying I owe them. Not only are they only emailing me trying to obtain money, but they are refusing to show proof of debt.
Product: Credit card

I received an email around XX/XX/2023 with a promotion about my Chase United Explorer credit card saying i could receive XXXX bonus miles after spending {$6000.00} by XX/XX/2023. I clicked " accept offer '' in that email and began to spend. 
Within a couple weeks, I realized that I never received a confirmation email so I called Chase Customer services and asked a representative if I had been accepted into the program. I don't have the dates of most of my calls, but I know they took place between XXXX and XXXX of 2023. My first call was made early in the reward programs window and prior to my first {$500.00} being spent. The customer service rep confirmed that I was in the program : which is the reason I proceeded to spend money on that particular credit card. 
I called a few more times within the promotion window with the final two calls happening on XX/XX/XXXX and the XXXX. On both days, I was reassured that I not only was enrolled in the program, but I had also fulfilled my end of the bargain with the purchases made on those same days. 
After about a month, I noticed there were no additional rewards points or miles added to my chase account. I then contacted Chase customer service and was told that my points were on the way. I waited about another month and contacted them again. This time I was told that not only were my points on the way, but there were actually far more points coming than i originally believed. The rep said I was actually receiving XXXX points and gave me a date in XXXX that I would see those points in my account. 
I then called on XX/XX/XXXX, about a week after the date I was told I'd see the points. I was then told by a representative and subsequently her manager : that i never signed up for the program and I would not be receiving the points. 
I know the phone calls are recorded for " quality assurance '', and asked them to listen to my past calls. They said they'd review the situation and sent me a letter a month later saying the same thing : my points will not be honored because I was never signed up in the program. 
I genuinely feel scammed. They should have to honor the information i was given by numerous Chase representatives. If I wasn't signed up in the program, each Chase rep that i spoke to along those months wouldn't have reassured me that I was signed up. They each had to search through their system ( put me on hold ) and came back saying, " Yes, you are all signed up. " And then they'd tell me how much more money i needed to spend in order to hit goal. 
I never thought to have them email me any confirmation which is a decision i regret but thats because i knew they were recording our calls. I've lost hope in the situation but I atleast want as many people as possible to know. Chase is so wrong for this.
Product: Credit card or prepaid card

Dear CFPB : In a conversation with several staffers from Citibank, I was informed by credit card payments were placed on hold because there were of large values. Keep in mind I made a payment of {$5.00} on XX/XX/XXXX and {$600.00} on XX/XX/XXXX. I contacted my bank after the monies were withdrawn by Citibank. Its XX/XX/XXXX and the balance is incorrect and Citibank refuses to update the correct balance. In addition, Citibank informed the credit bureaus that my available balance was still below {$300.00} which is well above {$1000.00}. Citibank has failed to provide me in writing the reason ( s ) for said hold and I've reached out to them on three separate occasions to no avail. I have submitted a separate CFPB complaint about a similiar situation in early XXXX, when Citibank representative XXXX informed me this once occurs once a year to all their clients well apparently this is the fourth time a payment was delayed to be reflected on my account for more than 2 weeks. 

I'm seeking an immediate release of all funds and an increase of credit or {$600.00} worth of credit applied to my account for the inability to use my card and the incorrect reporting of my balances to the credit bureaus. 

I'm also requesting CFPB investigate Citibank unethical and scandalous withdrawal processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, SYNCB/LOWES, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX XXXX TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF {$120.00}. THEY SOLD THIS ACCOUNT TO XXXX XXXX AND THE ACCOUNT WAS PAID IN FULL. THEY SHOULD NOT REPORT THIS ACCOUNT SINCE THEY SOLD THIS ACCOUNT TO A COLLECTION AGENCY. THE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A COSUMER 'S ACCOUNT TO A LATER DATE AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING ACQUISITIONS OR SALES, MERGERS AND OTHER TRANSFERS. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION.
Product: Debt collection

I sent my complaint to Experian dispute. Im trying to buy a house this year and I'm being held up waiting for these items to be removed. Can you please help me remove these items that dont belong to me! 


XXXX ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX # XXXX
Product: Mortgage

US Bank fails to accurately calculate my escrow used to pay my tax bill. I also sent them my correction letter of Taxes from XXXX county to show my taxes reduced from {$7500.00} to {$6800.00}. The website after 30 days finally reflected my current year taxes to the correct amount. however, I checked again and now its back to {$750000.00}. I am constantly being overcharge for my escrow as they originally assessment my taxes at {$12000.00}!! Much higher then it actually is. They overcharge me monthly for my escrow, then issue me a refund for a portion of it. Then once again, they increase my escrow and call it ( escrow makeup ) after they just issued me a refund. 

This has been going on for over a year and I have constant conversations and secure emails with the team with no resolution.
Product: Money transfer, virtual currency, or money service

I contacted western union XXXX XX/XX/XXXX to make a bill payment to my Mortgage company XXXX XXXX. I used my Mastercard ending in XXXX. I am a XXXX XXXX Veteran who is on XXXX. The amount was for {$1000.00} MTCN XXXX. On XX/XX/XXXX I went to use my card and it was declined. I looked at my account to find Western Union had made an unauthorized charge to my account on on XX/XX/XXXX for the same amount of {$1000.00}. I immediately contacted them. They advised it was a glitch in their system they are fixing and my account would be refunded. .They gave a case number of XXXX. I called them four other times to be told it would be refunded. On XX/XX/XXXX I called again and they asked to have a copy of my statement which I previously asked if they needed. I sent it in. they gave another case number of XXXX. I contacted them again XX/XX/XXXX and the matter is still not resolved. I am still getting the run around. The money is not back non my account, my other bills are bing returned. I am beyond horrified by their actions and lack of customer service in resolving this issue. I need immediate assistance.
Product: Credit card or prepaid card

Payment for {$5.00} made through bill pay on XX/XX/22 was not initially credited by XXXX 's XXXX XXXX  company ( Comenity ) because it was sent to the creditor 's previous address to receive payments. After speaking with Comenity, a second payment for {$5.00} plus XXXX in interest was made through bill pay on XX/XX/22 and sent to the new Comentiy address for receiving payments. Both payments were credited, however, a late fee was charged to the account in the amount of {$13.00} and interest continued to accrue. On XX/XX/22, I went XXXX  and spoke directly with Comenity with the assistance of the XXXX 's employee. I was told that the total at that time was {$17.00} ( more interest ) and would be waived. I closed the XXXX 's credit card account with Comenity at that time. 
Today i received a bill for {$1.00} and was told i would receive monthly billing statements until balance was paid in full and threatened to be reported to credit bureaus. 
This is not about paying the amount I owe, because I did paid more than what I owed just to make the problem go away however, when I tried to correct the payment issue, Comenity did not follow through and continued to charge interest on late fees and this appears to continue even with my efforts and now will jeopardize my credit. It is my understanding that interest can't be charged on late fees but that is what seems to be happening here. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
US DEPT ED XXXX Balance : {$3900.00} XXXX XXXX XXXXBalance : {$2300.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$3600.00} U S DEPT OF EDXXXX XXXXBalance : {$5700.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$5300.00}
Product: Credit reporting or other personal consumer reports

Reviewing my Consumer Reports, I discovered some instances of late payments on an account of mine which Ive always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with accuracy. I have made all my payments on time on the account : ( XXXX XXXX  ), ( XXXX ). I request a thorough investigation into these discrepancy and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to provide such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations without any delays.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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 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.