23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Macy 's changed bank servicers to CitiBank -when they changed their website changed. The website prohibited access for months. I sent numerous emails and no one responded. I called XXXX times in one day -- no one could explain the issue. During that 3 month period I had a XXXX balance. I then made a purchase in XX/XX/XXXX, and was sent a bill via email. The bill linked to the website that would not allow me to view my bill. I sent emails and logged a support ticket as I could not review my statement or see my balance or payment due. No one responded. I could not even access a payment screen. So I went into my old XXXX account and found an old macy 's bill and paid a minimum payment due of {$25.00}. I was called on XX/XX/XXXX and told I owed an additional XXXX and I had late fees. I asked how, and no one could tell me why-they told me different payment amounts that were received, different interest accruals, and refused to offer ANY insight into why the site was down, why no one would call, and how I could see my statement. They also could not answer whether the false late payments were reported to my credit. They should have been able to answer ALL of these questions. I was not permitted to even VIEW my statement. So, I disputed late fees as I did not have a balance and they could not provide any information on the balance, even one rep said she couldnt tell where a {$180.00} balance came from and transferred me to fraud, then I was left on hold for XXXX minutes waiting for someone in tech support to pick up. So I finally got access to my account, and nothing was updated, no late fees were waived. but the payment due on an incorrect balance of {$440.00} was {$95.00}. I had just paid {$25.00}, but they said I paid it too soon, and it would n't be reflected in the XX/XX/XXXX payment, which is illegal. So I paid another {$50.00} -- totalling {$75.00} in payments on a {$400.00} balance that should have been a {$350.00} balance. Then I submitted an email requesting they provide the new balance with the late fees waived because their system was not updated, they refused to respond -- its been 3 days. SO I log in today to see if anything changed, and the late fees were waived, but they demanded an additional {$45.00} -- They forced me to pay a total of {$120.00}. XXXX on a {$350.00} balance. Obviously this is a blatant violation of the CARD act. They have had ample opportunities over the last 90 days to cure their technical issues, to respond to my emails, to pick up the phone while I 've waited on hold, and they refuse to abide by the law. In turn, I 've suffered financially because of their intentional and willful acts, and negligence in behavior and communication.
Product: Mortgage

JPMORGAN CHASE BANK , N.A . 
I REQUEST BOTH A FULL ACCOUNTING OF ; XXXX. LINE BY LINE AMOUNTS, PAYMENTS, and FEES [ details : to whom & for what ] from inception of original loan, XXXX XXXX, XXXX to XXXX of XXXX when {$16000.00} 'unclaimed funds ' exited CHASE Bank XXXX 
XXXX. DETAILS REGARDING 'UNCLAIMED FUNDS ' {$16000.00} I obtained an $ XXXX Interest only 6.125 % mortgage from CHASE on XXXX XXXX, XXXX - for a home I purchased in XXXX at the height of the grossly inflated housing market in XXXX XXXX XXXX I paid 20 % cash down and put over $ XXXX cash XXXX into the home and property. 

The financial crisis hit and in XXXX I began struggling to pay the mortgage due to substantial loss of investments, and loss of income. CHASE would do nothing for me until the Federal Government forced them to. In XX/XX/XXXX, under XXXX CHASE refinanced my mortgage to a much lower interest rate [ 2 % ] that increases over a period of years, with a balloon payment of $ XXXX due the XXXX year. I received {$0.00} DEBT FORGIVENESS. Additionally, CHASE NEVER provided an item by item financial accounting of my loan from date of inception, XX/XX/XXXX to XX/XX/XXXX. 

Before the ink dried, CHASE sold the loan to XXXX on XX/XX/XXXX. 
XXXX months later, in XX/XX/XXXX, I received correspondence from CHASE dated XX/XX/XXXX stating that they were in possession of {$16000.00} of 'unclaimed funds ' and should I not respond immediately CHASE would release the funds to the State of California XXXX notice attached ]. I claimed the funds, however, I received NO additional correspondence, no financial breakdown, or clarification - just the check NOTE : I would NEVER have been past due in XX/XX/XXXX had I received those funds from CHASE during or immediately after the sale of my mortgage to XXXX! 

XXXX EXPECTED XXXX ) A full line-by-line accounting of my account from the day of inception XX/XX/XXXX to the date in XX/XX/XXXX when I deposited the 'held back funds ' into my XXXX account. 
XXXX ) 'why ' the $ was held-back XXXX ) 'where ' the funds were 'held ' XXXX XXXX How long they were 'held ' XXXX ) Did the amount include interest CHASE earned on the funds? 
XXXX ) Am I entitled to interest earned on the {$16000.00}, or a monetary settlement for fiduciary mismanagement causing harm to an already distressed homeowner? 

The loan has again been sold by XXXX and is managed by XXXX XXXX XXXX, whose attorney, CLEAR XXXX XXXX, is actively foreclosing with an auction date of XX/XX/XXXX. I am requesting this information in response to a XXXX XXXX Notice. 
XXXX I not legally entitled to this information as well as a suspension of the foreclosure activity as I sent written notification that I did not agree with all or part of the Debt Validation Notice sent to me by CLEAR XXXX XXXX, and requested further clarification? 

ATTACHMENTS : XXXX. CHASE UNCLAIMED FUNDS NOTICE - dated XX/XX/XXXX XXXX. CLEAR RECON DEBT VALIDATION NOTICE - dated XX/XX/XXXX XXXX. HOMEOWNER RESPONSE TO CLEAR RECON requesting debt details - dated XX/XX/XXXX XXXX. FAX COMPLETION NOTICE - dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I BEEN CONTACTING CHEX SYSTEM ABOUT THESE FRAUD 5 BANK ACCOUNTS FROM XXXX XXXX XXXX XXXX .I SENT IN DOCUMENTS TO HAVE THEM REMOVE BUT THEY NEVER REMOVE THEM. THEY EMPLOYEE HAVE LIED TO ME SEVERAL TIME ABOUT COMPUTER DATA ISSUE BUT IM STUCK WITH THESE ACCOUNTS ON MY FILE AND ITS EFFECTING MY LIVELYHOOD AND MY FAMILY.
Product: Credit card or prepaid card

On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the credit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity. 

The credit later closed my XXXX credit card. I paid an annual fee of {$49.00} for the card. This should be refunded since I no longer have use of the card, and the credit union closed the account without consulting me.
Product: Debt collection

On XX/XX/2023 i asked to not call my references, then on XX/XX/2023 my references were called again. On XX/XX/XXXX a associate named XXXX showed up to my place of employment, called her manager on a cell phone put him on speaker, and I advised again to both of them not call my references, to not come to my job or call my job, and to not show up to my home. On XXXX XXXX showed up to my work again around XXXX, she didn't speak to me she spoke to a customer at my work stayed for about 20-30 min, and left. That same day XXXX about a hour from when she left my job around XXXX XXXX  my cell phone is called ( I'm still at work ) assisting the customer she spoke to, and then right after the missed call to my cell, my work phone number was called at XXXX XXXX and the call was disconnected. On XXXX i sent a complaint via online On XXXX my references were called once again after i asked 3 times to not call, as well as the reference stating they wasn't supposed to call. XXXX ( same day my references were called my work is called also ) ( my is manager very upset that they called ) she had to verbally tell them to not call the business once again. On XXXX i had no choice to send via text ( the number they call and text from me from ) a Cease and Desist letter, and i will send a physical copy to the store location as well. I have all calls and visits with date and times if needed. The frequent calls to references, my work, and job visits is affecting my work productivity, position, and mental health.
Product: Checking or savings account

The same multiple previously disputed merchants have previously been blocked by chime, and my checking account remains locked and disabled for transactions. Yet Chime continues to allow over {$1000.00} in transactions from these merchants. I have provided all merchant service cancelation documents numerous times. I request my situation be escalated and get refused Chime refuses to give me any information as to why my dispute XXXX was denied, then rebuttal denied. I insisted they give me this info, so twice they sent me an email with blank document. I opened a new dispute XXXX and it is already being mishandled And I was basically just told theres nothing I can do about the quality of service Ive been given, the gross negligence of chime, they refusal to allow me the proper resources to monitor my financial wellbeing. The withholding of requested information and refusal to reasonably escalate. 

Ive spent hours and hours arguing with their agents, and supposed Supervisors. 

They have a responsibility to protect my money and they have failed repeatedly. They need to be held liable for the illegal misuse and witholding of my money
Product: Credit card

On XX/XX/year>2024 I filed an unauthorized ACH charge form with my bank, XXXX  XXXX XXXX. I have attached the form that was submitted on this date. The charges that were disputed were on XX/XX/year>2024 for {$650.00}, XX/XX/year>2024 for {$650.00}, XX/XX/year>2024 for {$650.00}, and XX/XX/year>2024 for {$650.00}. The individual for these charges was named and not an authorized user for my business checking account. The last XXXX digits of the card were also not an authorized card tied to my business checking account. I received confirmation that it was received and would be processed. On XX/XX/scrub>, 2024, I received communication from XXXX  XXXX XXXX for claim XXXX and was informed that the charge would not be recovered due to a contract between the XXXX institutions. I was directed by XXXX  XXXX XXXX to reach out to the merchant, Discover, directly to resolve the issue. I contacted Discover on XXXX XXXX, 2024, and informed them of the situation. After speaking with numerous individuals, I was told that I needed to take the case up with my bank and that they would not work to rectify the funds that were disputed. They were not able to assist even though I had further information. They refused to assist and were not caring about returning the funds that were not authorized. I have a credit card account with Discover that is tied to this account, which makes me believe there was a mistake on their end applying the wrong bank account information to the wrong credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING C/O RESURGENT CAPITAL, " collection '' agency is reporting an alleged debt on my credit report without my knowledge ( previously ) nor my consent. I have repeatedly demanded validation, disputed, and reported the accounts as Identity Theft to the company and have never received a reply, only continued regular negative reporting. As a result My credit Report is bad because of this one alleged account.
Product: Credit card or prepaid card

This company continues to delay my payment processing I never update my account reports incorrectly etc.
Product: Money transfer, virtual currency, or money service

I was surfing the web looking for a loan for {$3000.00}. my phone rang and it was XXXX XXXX from lending tree. he said they would give me the loan if i let them put {$900.00} in my account and then i would send {$490.00} to XXXX through my XXXX  account. sounded reasonable so i did it. they said they would put it right back in but when i called them of course, they didn't answer the phone and will not answer it any longer. i was duped. lost the money and i am on social security which makes it only more embarrassing and plain stupid.
Product: Debt collection

XXXX XXXX XXXX Scenic XXXX XXXX XXXX, TX XXXX XX/XX/year> Consumer Financial Protection Bureau Dear Consumer Financial Protection Bureau, Subject : Complaint Regarding Fraudulent Reporting of Items Related to Identity Theft Account # XXXX I am writing to formally file a complaint regarding fraudulent items reported on my credit file that are directly linked to a data breach in which my personal information was compromised. As a result of this breach, I have been a victim of identity theft, and the items listed by JJEFFERSON CAPITAL SYSTEMS, LLC are not only inaccurate but also violate consumer protection laws related to the fair and accurate reporting of credit information. 

Details of the Complaint My personal information, including my Social Security number and other sensitive data, was exposed in a data breach. 
Since the breach, I have discovered unauthorized accounts or transactions reported by JEFFERSON CAPITAL SYSTEMS , LLC, which I did not initiate or authorize. 
Despite disputing these items with the company and providing proof that they stem from identity theft, they have failed to adequately investigate and remove these items. 
This companys actions break provisions of the Fair Credit Reporting Act ( FCRA ), particularly : The duty to investigate disputed items thoroughly. 
The obligation to ensure the accuracy of items reported to credit bureaus. 
Impact on Me These false reports have negatively impacted my credit score and caused financial and emotional distress. I have taken every step within my power to rectify the situation, including : Filing an identity theft report with the Federal Trade Commission ( FTC ). 
Placing fraud alerts on my credit file with all major credit bureaus. 
Contacting the reporting company directly to dispute these items. 
Despite these efforts, the company has failed to comply with its legal obligations, leaving these fraudulent items unresolved. 

Requested Next Steps I am requesting the Consumer Financial Protection Bureau to take the following actions : Investigate the actions of JEFFERSON CAPITAL SYSTEMS , LLC regarding their failure to address fraudulent items stemming from identity theft. 
Require the company to remove all inaccurate or unauthorized items from my credit file immediately. 
Impose any applicable penalties on the company for failing to comply with FCRA regulations. 
Ensure the company implements stronger measures to prevent such negligence in the future. 

Supporting Documentation Enclosed with this letter are the following documents to support my complaint : A copy of my FTC Identity Theft Report. 

Thank you for your attention to this matter. I trust that the CFPB will act promptly to resolve this issue and hold the company accountable for its failure to comply with federal regulations. Please do not hesitate to contact me at XXXX or XXXX if you require any additional information or documentation. 

Sincerely, XXXX XXXX
Product: Debt collection

PAID CO PAYMENTS BEFORE GOING TO THE DOCXTOR OR THEY WOULD NOT SEE ME HAVE INSURANCE ANY THEY PAID FOR ALL THE BILL DOCTORS OFFICE IS WRONG DO NOT OWE ANY BALANCE TO THEM
Product: Debt collection

XX/XX/2020 I sent a certified letter for verification of debt to imc credit. I received receipt debt collector signed for documentation. Creditor changed on my credit report to rmp llc. On credit report notes it says in dispute. It has been more than 30 days for response.
Product: Debt collection

this account does not belong to me i have tried to resolve this account with the creditors but have been provided with no help. i have also notified experian of these fraudulent accounts and have asked them to remove these accounts from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been breached someone used my information for SYNCB/OLD NAVY inquiry on XXXX also the address reported XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I tried to add my phone number to my Cash App and received a message : " This phone number can't be used for Cash App. It's been linked to activity that goes against our Acceptable Use Policy. '' I did not violate any policies. I am a U.S. citizen over age 18 and legally received money from friends and family. Cash App 's message is false and misleading. Cash App is violating, among other things, certain consumer laws. I seek to hold Cash App accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most up-to-date credit report sent to me by Experian. I noticed that the following accounts are still being reported as updated in verified, but what under the guidelines of the fcra rules and regulations is a violation. 

Please see attachment for the following accounts ; ( XXXX XXXX XXXX XXXX XXXX  ) this account is currently being reported on Experian with no balance. No last date of payment, no date of last activity, no information on original creditor including business address and telephone number. All violations of the FCRA rules. 

( XXXX XXXX XXXX ) after notifying Experian that the original creditor has not responded to my validation letters. Experience still continues to report this account as updated and verify. This is a violation of fcra rules. 

( XXXX XXXX  ) unknown account- after requesting Experian to fully validate this account by providing relevant information as per fcra rules section 609b. The company still reports this account as updated and validated and are verified. This is a violation of fcra rules. 

( XXXXXXXX XXXX XXXX XXXX ) in and around XX/XX/XXXX of XXXX, XXXX XXXX  has been reinserted onto my Experian credit profile without notification as required by law 5 business days prior to reinsertion. In addition, in an attempt to damage, and discredit my credit worthiness. The company intentionally change the name of the original creditor from XXXX XXXX XXXX XXXX to XXXX XXXX, using the same collection agency, but different original creditor with the same outstanding balance. This information is not only fraudulent, but misleading, inaccurate, inconsistent and a clear violation of fcra rules. An attachment ; notice that XXXX XXXX XXXX  in a was in fact deleted back in XXXX of XXXX but now we reappears as a collection item under the name XXXX XXXX and associates with original creditor XXXX XXXX a violation fcra rules. 

( XXXX XXXX  XXXX XXXX )  this an collection account that reports as paid has agreed. But does not report last date of activity. Does not report last date of payment. Account still reports as verified and updated even though account was disputed back in XXXX of XXXX. Account currently shows last date updated was in XXXX. Account Does not accurately reports last date account was updated. All violations of fcra rules. 

( XXXXXXXX XXXX XXXXk ) I've notified Experian of the inaccuracy of outstanding balance being reported, I've also notified of the inaccurate last date of payment all are violations of fcra rules.
Product: Prepaid card

Its been over 7 days and I still dont have access to my money or direct deposit which posted on Thursday XX/XX/XXXX. No customer service and no expected time when or if I will get my money.
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. Delete account immediately! 

XXXX XXXX Account XXXX Opened XXXX Reporting 60 Days Late ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX Account XXXX Opened XXXX Status : Paid, was a repossession ( XXXX XXXX Current ) XXXX XXXX  Account XXXX Opened XXXX Status : Paid, was past due 30 days two or three times ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX 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.
Product: Credit card or prepaid card

bank name popular credit service, I received my credit card latest statement and showing my annual fee was charged on XX/XX/16, and I called to Close my credit card and waive the annual fee they charge me, because I dont wan na use this credit card for the next year, but they said they cant waive the annual fee, normally the customer has right to closed the account for the first billing cycle and wont get charged for the new year annual fee, its not fair to the credit card holder please help me, thank you
Product: Mortgage

We are doing a short sale and the Mr. Cooper Mortgage says they have canceled the foreclosure sale until after the short sale.

They did an appraisal and it came to {$720000.00}. The appraisal company did not take into consideration the {$170000.00}, repair estimate to remove the leaking Septic Tank and other repairs. 
We received an offer for {$700000.00}, They refused to accept it, but says they will try to sell it for more at an auction, but if offer from the auction is not more than this buyer 's offer, they will revert back to this buyer who is already in escrow for months. 
The highest price at the auction was {$660000.00}, and I am asking them to revert back to the buyer that has a higher offer of {$700000.00}, but they say they would rather foreclose and I have never seen such unfair policy and decision before. 

I want them to give the buyer with a higher offer to close.
Product: Student loan

I have been trying to lower my payments, figure out a different payment plan, or defer my payments since XXXX/XXXX/XXXX. I spoke to numerous ppl through Navient and each person I spoke with would tell me that I had already exhausted all of my options, and that I just needed to make the payments. As a XXXX XXXX XXXX XXXX XXXX XXXX, and also taking care of my XXXX father, I am unable to make the outrageous payments that they state I need to make, which has now ruined my credit.
Product: Vehicle loan or lease

XXXX and XXXX XXXX they scammed me. XXXX XXXX did the service and they charge me way to high and at the same time they dont wan na give my car. It was because of them they repossessed my car. And the XXXX and the financial institution called Chrysler capital they dont serve me right documents and they sold me a lemon car. Now I am having a financial hardship and my name was damage by this situation they did. I am a single mom. And I had a XXXX XXXX due to the stress what I experienced with this company. I am poor and they want me to be more poor.