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

CHASE BANK SENT ME XXXX EMAILS THIS MORNING AT XXXX AND XXXX STATING THAT MY ACCOUNT AND AVAILABLE BALANCE WAS {$10.00}, BASED ON A {$10000.00} RETAINER FEE CHECK I DEPOSITED WITHIN THE PAST 48 HOURS. BASED ON THOSE XXXX EMAILS, I MADE SEVERAL BILL AND ONLINE PAYMENTS FOR A FEW XXXX DOLLARS, PLUS A CHECK FOR MY CHILD SUPPORT IN THE AMOUNT OF {$XXXX}. AROUND APPROXIMATELY XXXX THIS MORNING I RECEIVED XXXX EMAILS FROM CHASE TELLING ME THAT MY ACCOUNT WAS NOW XXXX. I CALLED CHASE BANK IN A MASSIVE STATE OF ALARM AND WAS TRANSFERRED 3-4 TIMES. FINALLY SOMEONE IN THE " FRAUD UNIT '' TOLD ME THE CHECK DEPOSITED WAS BEING " HELD FOR POSSIBLE FRAUD. '' I EXASPERATINGLY TOLD THEM THAT I MADE THESE BILL AND CHILD SUPPORT PAYMENTS BASED ON THE INFORMATION IN THE XXXX EMAILS THEY SENT ME THAT THE BALANCE AVAILABLE WAS {$10000.00}. 

XXXX IN FRAUD UNIT TOLD ME THEY RECEIVED A " ALERT '' AT SOME POINT THAT THE CHECK WAS GOING TO BE RETURNED OR REFUSED BY THE ISSUER BANK, XXXX. I ASKED HER WHEN DID SHE RECEIVE THAT NOTIFICATION ALERT, AND WHY DID THEY NOT EMAIL ME IN REAL TIME SO THAT I COULD ALSO NOT WRITE CHECKS OR PAY BILLS BASED ON THEIR INFORMATION, AND SHE HAD NO ANSWER. FURTHERMORE AND EVEN MORE EGREGIOUSLY APPARENTLY THEY ARE CHARGING ME A FEE FOR NEGATIVE ACCOUNTS. 

THIS WHOLE EXPERIENCE HAS OBVIOUSLY GIVEN ME AN XXXX AND THIS IS NO WAY FOR CHASE TO DO BUSINESS - THEY MUST ALERT CLIENTS IN REAL TIME TO AVOID FURTHER COMPOUNDING CUSTOMER MISERY AND CHARGING NEGATIVE ACCOUNT FEES. I WAS FINALLY ABLE TO RESOLVE THIS MATTER ON THE PHONE WITH " XXXX '' BECAUSE I AM AN XXXX AND KNOW MY RIGHTS WHEN THEY CLEARED THE FUNDS WITH XXXX, BUT AGAIN THIS IS NO WAY FOR CHASE BANK TO DO BUSINESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION, I DID NOT GIVE YOU EQUIFAX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.
Product: Student loan

Description of the problem : On XX/XX/23, I made my first payment to Mohela. The payment was failed, nothing showed up in my bank account nor Mohela account. 
On XX/XX/23, I made my second payment to Mohela. My bank account showed me a successful transaction, while it showed nothing on my Mohela account. I called Mohela, they told me they the payment was not success. They couldn't find my bank account based on the information I input. They also suggested me using a saving account to make a payment, instead on a checking account. At this point, I though this might be a system issue. So I called my bank, to see if there are anything they can do to help me get the money back. My bank said Mohela already took the money, there is nothing they can do to take the money back beside filing a claim. So I file a claim about Mohela not putting my money to a correct account, and I got a credit on my checking account. 
On XX/XX/23, I made my 3rd payment. This time, I followed what the Mohela staff told me, I use a saving account for the payment. Same thing happened, my bank showed the transaction was completed, while my Mohela app show nothing, and I couldn't find any of my payments history on my account. 
Now, my requests are : 1. How can Mohela fix the problem in their end? I can make the payments as many times as possible, but if none of my payments go to my student loan, there is no point of me doing this. 
2. Since Mohela claim they did not received the money, how can I get my money back? ( The transaction on XX/XX/23 ) 3. If, in the worst case scenario, the problem got fixed after my payment is due, can I not paying the interest for that part? Since it wasn't my problem, it was Mohela 's problem on not putting my payment in a correct account.
Product: Student loan

On XX/XX/2021 My sister with whom I do not have contact with was contacted from XXXX  XXXX bank asking information about me. On the same day my sons mother with whom I am no longer with received a call looking for my son for information. He is only XXXX XXXX XXXX. I called and spoke to them and was informed that they use a third party vendor for this information. All of this was unnecessary as I have had contact with them within the last month and my information has not changed. Following speaking with Sallie Mae my sons mother called and was able to access my account information and have him removed. I am not sure how they would have given her access to the account as she is not listed and has never been listed as a point of contact.
Product: Mortgage

In XXXX XXXX, I applied for the removal of the PMI insurance on my home based on the increase in value of the home. By letter from my mortgage servicer, PHH Mortgage, dated XXXX/XXXX/XXXX, the PMI was confirmed removed. The letter also stated that the PMI was paid in arrears so I may owe a final payment but that " as of the date of this letter, no new PMI charges will accrue to your account. '' It seemed reasonable to take that to mean that as of XXXX XXXX, XXXX, even if I owed a final PMI payment, it would at most be prorated for the first 7 days of XXXX before the PMI was canceled. 

When my XXXX mortgage payment posted on XXXX/XXXX/XXXX, a charge of {$320.00} was listed as a payment of PMI. My normal monthly PMI charge prior to this date was {$170.00} so I was charged an extra {$140.00} for PMI in XXXX. I called my mortgage servicer to find out about this extra {$140.00} payment and was originally told that this was due to the fact that PMI is paid in arrears so I was being charged for the PMI that accrued in XXXX. Here 's the proration math : {$170.00} ( normal monthly PMI amount ) divided by 30 days in XXXX = {$5.00} ( rounded up ) per day. Assuming I was charged for 7 days in XXXX, this would mean a prorated amount of {$40.00} ( {$5.00} x 7 days ). This obviously does not equal the extra {$140.00} I was charged. When I walked through the math with my mortgage servicer, no one could explain the discrepancy but just kept telling me this was the amount requested by the PMI company, XXXX, and that it was prorated. As the contract for PMI insurance is between my mortgage servicer and XXXX, I was told no one from XXXX would speak to me to explain the extra {$140.00} charge. For this reason, on XXXX/XXXX/XXXX, I requested my mortgage servicer request a breakdown of the {$140.00} from XXXX. I was told to call back in 7-10 business days. On XXXX/XXXX/XXXX, I called to follow up on this request and was told they had no activity in their systems showing a request to XXXX had been made or that any response from XXXX had been received. 

Between XXXX XXXX and XXXX XXXX, I made XXXX calls to my mortgage servicer totaling approximately XXXX hours and no one was able to give me a sound explanation for the extra {$140.00} that I was charged when my PMI was canceled. The mortgage servicer does n't see it as their problem because they do n't have to pay the bill and because of the contractual relationship between the mortgage servicer and XXXX, I can not receive any information/explanation for the extra charge. If a consumer is being charged for something, there must be proof of the validity of this charge. After many hours of trying, I have been refused this proof and told I would never receive it from either my mortgage servicer or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent a letter to Equifax, XXXX  and XXXX  about my personal information on XX/XX/2021. I have not seen any change on my report or got any response from the bureaus. I would like the changes I asked for to be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion harassment Of XXXX XXXX by Spamming his mail box with the information provided and not investigating and or solving the issue at hand which is student loans that are past the age and need to be taken off of XXXX XXXX Credit report. 
Closing the case by just sending mail of the Loan as it appears on the website... 
Harassing mail documents Please ask TransUnion to cease stop harassment... 
I am getting aggravated Tell Transuion to do some work... 
TransUnion has not upgraded XXXX XXXX XXXX XXXX for the month of XXXX Again please inform TransUnion to do some work and get the message at hand .... 
Workers at TransUnion are getting paid to do a job and unfortunately they are not getting the message after the 20 the time of complaining.. 
Apparently their are no supervisors or head that keep their workers accountable and make sure that people who depend on them while they have more important things like life issues while TransUnion sleep and drink coffee all day... 
Respectfully This is the letter received from department of Ed Again for the 20 the time close student loans XXXX XXXX XXXX XXXX reoprt Remove student loans from XXXX XXXX Credit report And remove delinquency from credit report because the age is more than 7 years as stated by law Transuion closing cases Stating that they solved the issue By spamming mail box .. harassment Threatening mail and not handling the issue at hand
Product: Credit card or prepaid card

I previously filed a complaint with the CFRB ( id # : XXXX ). Your site says the complaint is closed because the company responded to me. The company did respond by sending me a letter dated XX/XX/2019 stating that will need 1 to 2 billing cycles before they can respond. I then received a call on XX/XX/2019 from someone who was unable to be heard during some of the voice message left. He called from XXXX XXXX XXXX XXXX which is listed on Internet SPAM/SCAM sites as a marketing number for Synchrony Bank and GE Credit. The caller left a call-back number of XXXX XXXX XXXX XXXX extension XXXX XXXX " in case I had any questions. '' I did call back and was placed into marketing loop cycle where the only option was to be registered for some sort of security health alert system. Also the paperwork that came with the new credit card ( received XX/XX/2019 ) stated I would be receiving a paper account on the replacement account in 2 to 3 weeks. I have yet to receive that statement or any other paperwork from this bank or any of its subsidiaries.
Product: Vehicle loan or lease

Honda Financial finally posted my 9 car payments ( XX/XX/XXXX through XX/XX/XXXX ) and they are overcharging me interest applying my XXXX payment ( Payment amount of {$140.00} they applied {$940.00} toward the principal and {$95.00} toward principal ). For my next 8 payments ( XX/XX/XXXX through XX/XX/XXXX ) they are also charging me the same interest rate of {$95.00} per payments ( 8 of these ) although my principal should have been reduced on each payment. Also, I did not receive a complete statement instead they told me to XXXX. I have NEVER set up an online account with Honda. I have no idea how they applied the 4 payments that I have no record of ( based on them applying the wrong interest on the first 5 payments I assume they overcharged me on the next 4 payments. I do not know when they applied the {$330.00} that was supposed to be applied to the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is in regards to unfair credit reporting practices and retaliation for complaining to the bank and credit reporting agency about it. 

As of XX/XX/XXXX statement I had a balance of {$1900.00} with a credit line of {$2000.00}. On XX/XX/XXXX I made a payment of {$750.00}. Sometime between XX/XX/XXXX & XXXX they reduced my credit line to {$1200.00}, leaving approx {$5.00} available. On XXXX they charged me interest of {$23.00}, causing the account to go over the limit and reported it to the credit bureau causing a negative mark, when all I did was make a big payment. On XXXX I paid the account in full and filed a complaint with the bank. I have not heard back from the bank about my complaint as of today ( XXXX ) like I was told i would and it appears they certainly reviewed my account and once again, reduced the credit line down to {$500.00} on XX/XX/XXXX. Seems to me they are retaliating against me because I filed a complaint in regards to the unfair practices and they also haven't even acknowledged the complaint or negative marks I received on my credit report because of THEIR actions. I find this very unfair beacaue all I did was make a large payment which they took advantage of by reducing my credit line and then gave me negative marks on my credit for it. I've recently disputed this through the credit reporting agency also.
Product: Debt collection

I attempted to pay my Macys debt ( Account # XXXX ) and was unable to do so because the account is to old and because the company issued a 1099-C form.

I'm currently working with a mortgage company and they are requesting I pay the account in full. After multiple attempts to pay the account off, and after being told I was issued a 1099-C form, is it possible for my Macys account to show a balance of {$0.00}. 
Thank you for your time!
Product: Debt collection

I called the business that has a negative account on my credit file and inquired about a fax number or email address msg my information : identity theft police report, drivers license, social security number, certificate of birth, XXXX XXXX  Identification Card issued per XXXX Safety Administration and a formal letter of identity theft, in addition, a citation issued per XXXX Highway Patrol issued to someone with my license in XXXX, CA. 
I mailed my prove to the courts and the court dismissed the case, also deleted the citation from my driving record. 
However, the prove I am submitting for more evidence of Id theft is to inform the collector know I am a victim of identity theft and to remove the negative account from my credit report. 
The Representative was not completely honest with me because he stated, there is no email address or fax machine to send or receive facsimiles or emails. The collection company is only able to receive USPS mail. I called two more times because I did not believe the representative. The second rep. said we have a fax number. 
The third representative said, " We have an email address and a fax machine. '' The rep said he was going to contact the business to inquire of the documents and and that was going to take a while. 
Accounts : 2nd. XXXX {$560.00} / XX/XX/XXXX 1st. XXXX / {$600.00} / XX/XX/XXXX I am also attaching DMV printout of a citation issued on XX/XX/XXXX to someone holding my driver license and presenting it to a XX/XX/XXXX Highway Patrol officer, however, the citation and signiture were under my name. I have cleared the citation with XXXX, CA and citation is cleared from my commercial driving record. Fraud was also committed under my commercial driver license and the identity thief signed my name. 
I have lived in XXXX XXXX, CA from XX/XX/XXXX to present.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Caller stated that agents will be coming by my place of business or residence to serve me legal documents unless I contacted a XXXX XXXX with Hewitt Capital at XXXX.
Product: Checking or savings account

I have a checking and saving account with citibank several month, XXXX ago I travel on XXXX and XXXX XXXX when I travel outside of U.S. before everytime I did every transition I called citibank and let them know what going on, and after when I stay my hometown XXXX XXXX XX/XX/XXXX I found my all of citibank account has been closed, I feel so confused and so sad, this is like the discrimination against intermational students, which makes me feel very uneasy and anxious, right now I couldn't go back to U.S and get my founds withdraw, I don't know when because I am waiting my new student visa. this is unfair for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion are reporting a government overpayment as a collection with a balance of {$10000.00}. The account was included in my bankruptcy and was previously disputed as such. However, this should n't even be reported on my credit report as it is not a consumer loan/debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. At the time involving the relevant matters, a Fraud Alert had been placed on all of my credit reports. 
2. This has been an ongoing criminal matter since about XX/XX/XXXX in which the investigative information was shared with the Fraud Department and a criminal complaint was filed. 
3. Although the credit report has been locked, the credit reporting agency has continually allowed others to access my credit history report, which has resulted in my information appearing on the Dark web. 
4. Moreover, when conducting business I would never permit a company to run my credit history multiple times. 

The following inquiries are UNAUTHORIZED : XXXX XXXX XXXX XXXX, XXXX, XXXX, CA XXXX ( XX/XX/XXXX ) XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX, CA XXXX ( XX/XX/XXXX ) Allowed credit report to be accessed while BLOCKED : XXXX, XXXX - XXXX XXXX XXXX ( I DO NOT AND HAVE NEVER HAD AN ACCOUNT WITH THIS ORGANIZATION ) ( XX/XX/XXXX ). This company was allowed to ILLEGALLY access my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning XXXX has no respect for the Fair Credit Reporting Act or the laws. Early warning XXXX  has admitted that they are a credit reporting agency and the FCRA clearly states a credit reporting agency can only produce a consumer report with the written permission of the consumer to whom it relates. Early warning XXXX  has not provided me with any permissible purpose and without that they do not have a right to report fraudulent accounts to my consumer report. Early warning XXXX  is in violation of the XXXX XXXX XXXX act which clearly states financial institutions such as early warning XXXX  must provide a consumer with an opportunity to opt out of any reporting of non-public personal information. I have been a victim of identity theft and the accounts reporting from XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, and chase need to be deleted from the early warning XXXX data base immediately.
Product: Credit card

My statement with Nordstrom Card Services for the period ending XX/XX/year> included 2 transactions for the same item ( a pair of boots ) resulting in two charges of the same amount for two pairs of boots. When I viewed my Nordstrom order history I saw that I only ordered and received one pair of boots. Leading me to believe that while I ordered one pair of the boots, I was charged for two pairs of the boots. When I called to report this, I was transferred and hung up on numerous times. Eventually, I was able to connect with a representative that filed a dispute for me. I received a letter stating my dispute was denied and that documentation " found during the investigation '' was included. However, no documents were included and no explanation for why the dispute was denied. After calling again I was told that one of the 2 charges was for a different item, even though both transactions display that the charge is for the exact same pair of boots on my statement. When I asked to have documentation showing that the 2nd transaction was valid and what it was for, I was advised there was nothing they could provide me with. I would have to believe that the transaction was valid and there was nothing further they could do for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full a charged off affirm account that I had. The balance was XXXX. Made the full payment on XX/XX/XXXX. A month later I submitted a dispute with XXXX so that affirm could reflect the account as being paid in full. I got a message that affirm would not make changes because the account is being reflected correctly. Yet, its still showing that I have a balance of XXXX. I have pictures showing proof of payment directly from the affirm app.
Product: Payday loan

Progreso Financiero is Poising my Credit Score every month, I told them 2 years ago I 'm not able to Pay, I was in a Car Accident and was not able to pay, I still owe money to some Medical Facilities and Keep paying as today, but they decide to Poison my Credit and want me to pay more than I can afford and I ca n't, since then every Month they send to the Credit Company 's like XXXX that my Account is Delinquent Account and is Collection/Chargeoff, I been paying other credits cards and other bills on time but my credit is still in XXXX because of them. 

I Send an email to the Credit Companies like XXXX and XXXX and they Still allow them to do it, I feel Hopeless and do n't know what to do, When the financial market broke in 2007 I also lose my Job was not able to pay, I file for bankruptcy and my credit was getting better after that. but I was in an accident years latter and now this Company has been tide my Credit for the last year just because they want to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 There is a serious delinquency showing on my credit summary report and I am being denied for a new credit card. I have spent two hours calling Experian customer service and they said I have no delinquent accounts. 

On the summary report, it is saying there is a SERIOUS DELINQUENCY which is an error. It also shows one late payment but upon clicking it nothing is late. I have confirmed with multiple Experian phone calls there is nothing late and no serious delinquency. There is nothing to dispute because there are NO actual delinquent accounts. I have spoke to many different departments and they confirmed the error but they said they dont have anywhere to remove it because there is nothing to actually dispute it. No other credit reports have this error. 

I looked everywhere online and dispute the error on my report and there are also no options. 

No one followed up with my dispute or resolved it. I have waited weeks and called multiple times and all they do is transfer me around XX/XX/XXXX sent a certified letter to Experian XX/XX/2023 - dispute closed and says " Your dispute results are currently not available online '' I called Experian and they transferred me around multiple times and said they can not see any late payments on my account and that nothing is showing XX/XX/2023 called Experian again they said there is nothing to dispute. But in my account is still showing. I can still see where it says one late payment and under key factors it says " Number of your accounts that were ever 60 days late or worse or have a derogatory indicator : 1 account ''. 

But they continue to say there is nothing there. But the credit card that denied me still says that there is a delinquent obligation on my account reported form Experian.