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

In XXXX 2016, I closed my personal checking account with Chase Bank. I was told that my remaining balance would be mailed to my address. 60+ days later, I called customer service to see if Chase could issue me a new check since I figured the old check must have gotten lost in the mail. The representative informed me that there was nothing that they could do to cancel the previous check and reissue another one since they did not keep track of the original check number. When I asked why they did not record the check number, he told me that sometimes they do and sometimes they do n't. Unfortunately for me, they decided not to be so diligent in my situation. 

I then went to a nearby branch to see if someone could help me in person. At the branch I spent 20 min trying to get the manager to understand that I was still owed my remaining balance since I never received a check from the bank. He finally had me update my address and contact information and then he had me sign a notarized form. He then told me that I should have a new check sent to me within 2 weeks. 

4 weeks later, I still had not received a check. I went back to the same branch where I signed the notary and informed them that the check had not come. The manager checked my account and realized that there was an error in getting the check issued. I was at no point notified of the delay, nor did the man seem aware of the mistake until I went back to the office. After correcting the mistake, I was told that I should expect to receive the check 14 days from its issue, which was 2 days from XXXX XXXX. 

It is now XXXX XXXX and I still have not received a check containing my remaining balance. Every time I try to get an answer from someone, I am sent to somebody else. This process has been obscenely long, deceptive, and discouraging. Though I still have a savings account and credit card with Chase, I have very little incentive to continue using their products given this horrible experience.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and my credit report contains fraudulent accounts across all three credit bureaus ( XXXX, Equifax, and XXXX ). Specifically, the following accounts are unauthorized and do not belong to me : XXXX XXXX  with a {$17000.00} balance, XXXX listed as a charge-off, and XXXX with derogatory marks. 

These accounts were neither opened nor authorized by me, and no supporting documentation exists to validate their legitimacy. I have previously disputed these accounts but have received inadequate responses, leaving these inaccuracies unresolved. 

These false entries are severely damaging my creditworthiness and causing financial harm. I demand a thorough investigation in compliance with the Fair Credit Reporting Act ( FCRA ). If these accounts can not be fully verified with proper documentation, including signed agreements or applications, they must be removed immediately. 

I expect all three credit bureaus to uphold their legal obligation to ensure the accuracy of my credit report and provide a resolution promptly.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed incorrect and inaccurate personal information such as addresses related to identity theft.
Product: Credit reporting or other personal consumer reports

Information on my credit report is different on all XXXX of my credit reports. I have disputed most of the the negative closed accounts and most of them were removed.but some of them keep coming back with inaccurate dates from third party debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days with no results.
Product: Mortgage

Our mortgage company is refusing to take just one contractual payment and our loan is not in a foreclosure status. We have filed for assistance because we are going through a financial hardship, but they have denied that. We have advised them that all we can do right now is make monthly payments until we 're able to catch up but they are refusing to do so. They wo n't accept a payment from us unless we schedule two payments within the same month.
Product: Credit reporting or other personal consumer reports

There are 3 hard inquiries on my Experian credit report that I do not recognize or authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

We received a notification back in XXXX, 2022 regarding a credit on the account. After several months and attempts to inquire about the credit on the account, it has not been received. By now we thought the credit would have been applied to the account. 

We are asking that you open an inquire regarding this credit on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not agree or accept the company response. I demand they send me the agency and employees that they verified their information with. In addition, I want my XXXX XXXX account to reflect as on time for the 30 day late because it was paid on time as agreed. They also is in violation of 15 U.S.C. 1666B.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions Dear, TransUnion I am writing to request the removal of the unauthorized credit inquiries on my TransUnion credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXXXXXX : XX/XX/2023 Thank you in advance, XXXX XXXX
Product: Mortgage

I have my mortgage from Chase Bank. I purchased y house in XX/XX/2016 in foreclosure, my monthly payment was approximatively {$2000.00} and in 2016 my monthly payment goes up to {$2700.00}. I tried to have the PMI cancelled on my mortgage because my monthly payment increase too much. Chase sent someone to do an appraisal on my house and the value on my house goes up to XXXX. They told me that they were unable to cancel the PMI because the value is not high enough and that I did not do too much improvement in my house since I bought it. I bought the the house in very bad condition, I changed the garage door, I removed the carpet in all XXXX bedrooms and installed hard woods, I repaired the entire roof in the sunroom. I feel cheated by the bank when they told they are unable to cancel the PMI because I know the value of my house is there. Please help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a letter from the United States Bankruptcy Court XXXX XXXX of Georgia that they do not provide information to consumer credit reporting agencies and data furnishers. Lexis Nexis is in violation of 15 USC 1681 A 4, they infringed upon my federally protected consumers right to privacy, they violated also because of permissible purposes 15 USC 1681 B, and Lexis Nexis did not obtain my written instructions or affidavit to furnish this consumer report. Lastly, Lexis Nexis is also in violation of 15 USC 1681 A-E, I obtained a letter from the United States Bankruptcy Court XXXX XXXX XXXX Georgia stating that they do not provide my personal information to 3rd parties therefore Lexis Nexis is unable to do a consumer investigation to verify this alleged Bankruptcy. I am not a lawyer and I am outraged by the blatent disrespect of my privacy rights according to the Graham Leach Bliley Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$920.00} from XXXX XXXX co XXXX and XXXX and Transunion continue to report negative fradulent information on my credit report. They are in violation of the FCRA
Product: Credit card

Wells Fargo Bank , NA ( hereinafter " WFC '' ), and its divisions ( Consumer Accounts for checking and savings account as well as the credit card accounts are to eager to charge fees, but will not return fees for their own mistakes ( continually ignoring the requests, disputes and issues - until it is passed the deadline, then its representatives claim that " it is pass sixty or ninety days allowed '' ). Therefore, the unjustified charges they make on the checking and savings accounts become permanent. WFC is very ANTI-CONSUMER. 

and NOW, I have issues with disputed charges on Debt card and a credit card. 
On three ( 3 ) occasions : 1. XX/XX/XXXX on my debt card in the amount of {$340.00}, Disputed unauthorized charge and WFC claims that I never disputed and there is no record of the dispute. 
2. XX/XX/XXXX on my secured credit card in the amount of {$65.00}. I disputed the charge 3-4 times and finally WFC provides me an UNSIGNED COPY of the charge. When I ask for the Merchant 's telephone number, WFC provides me a DISCONNECTED telephone number. Yet, XXXX claims that the charge is valid. 
XXXX. XX/XX/XXXX on my secured credit card in the amount of {$1900.00}. I disputed this charge 2 times. WFC can not produce ANY record. In fact, its representative told me that the merchant claims it was going to ship me something. I repeatedly told WFC rep.s that I do not have any relationship with the merchant and did not order anything from it and that the charge is unauthorized. WFC even confirmed with the merchant that the item was not sent ( EVEN THOUGH I DID NOT ORDER ANYTHING and DID NOT CONTACT the MERCHANT FOR ANY REASON ). However, it claims that because this merchant ran a {$290.00} charge FIVE MONTHS EARLIER ), then this charge must be valid. 
So, does not matter if I dispute a charge or not, nor that it matters if I truly purchase something, just because WFC does not want to process a dispute, then the consumer/card holder must suffer its representatives laziness or ignorance. Moreover, if a merchant made a charge and the card holder did not questions the first charge, then if the merchant makes additioanl charges sometimes in the very far future ( not even on a specific pattern ), then the charges must be valid ( even of WFC or the Merchant can not produce any evidence ).
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION IN MY CREDIT REPORT. ACCOUNTS : XXXX XXXX XXXX XXXX  {$27000.00} XX/XX/XXXX. XXXX XXXX  {$110000.00} XX/XX/XXXX. XXXX XXXX  {$1500.00} XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The bed in question purchased at Mattress Firm on XX/XX/2022, and financed through Synchrony Bank was for my daughter. She passed away on her bed on XX/XX/2022 and the mattress had to be removed. With all that needed to be done after her passing, I tried working with Mattress Firm to see if the balance due of {$2700.00} could be negotiated to help me out financially with no success. I also related the same information to Synchrony Bank with no available assistance. The mattress is no longer in the house, and I'm currently still with a balance of {$2200.00}. I just made a payment to Synchrony today. 

I don't know where else to turn, is there help available in a situation such as mine? 

Thank you for your time and help.
Product: Mortgage

The company, Freedom Mortgage is not giving me the options that according to VA guidelines are there for me.
Product: Mortgage

Rushmore have problem taking my payments from my Account and have been suspended from making payment over phone with my checking are saving account ..The thing is every now and than what ever they are typing in go through sometimes and when it dont Im suspended from making payment that way for like 3 months are more ..and they give me other options which is a burden and crazy but not even my fault ... because the money will still be in my account..its very frustrating when I have to verify often to see if its processing ..please fix ...
Product: Vehicle loan or lease

So I got a car approved through credit acceptance and I ended up going to XXXX. When I was released I had no car. I found out the car was stolen and wrecked. I later found out some towing company had it and wanted me to pay over XXXX just to get it out. Later found out it was auctioned and yet credit acceptance knew and kept wanting me to pay
Product: Money transfer, virtual currency, or money service

I attempted to make a {$1100.00} transfer to my grandson using PayPal. In order for the transaction to be completed, he needed to access his PayPal account. When he attempted to access his PayPal account, it opened to the following message - " We noticed some unusual activity ''. Activities for the account was then locked, except for PayPal 's process to " secure '' the account. The secure process required three pieces of information. One, the users email address on file when the Pay Pal account was opened, two, the account users cell phone number on file with Pay Pal, and three, the account users credit card number on file with PayPal. The problem arose because two of the three required pieces of information were not current i.e., the cell phone number on file was from a previous phone that had been long ago disconnected and the email on file had not been used for a long period of time and hence cancelled by XXXX. When the " secure process '' was attempted using the credit card number, the card number checked out, but the secure process required additional steps that required the phone number and/or the email address. Once input, a text or email would have been sent to the disconnected cell or deactivated email account to unlock the PayPal account. Since this was not possible and the transaction could not be completed with my Grandson, PayPal was holding the money. I contacted PayPal using the phone number they provided. I was referred back to the website account by a machine. No human contact can be made. I then filed a dispute. The dispute was denied because " the transaction was processed correctly ''. I again filed a follow-up dispute emphasizing that the transaction was processed, but could not be completed, again I was denied. I then sent a letter and was again denied on the same grounds. The money is in my Grandson 's account of which he can not get into as a result of the discontinued email and cell phone number and we can't talk to anyone to help him reactivate his account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The manager or an employee at XXXX XXXX XXXX approached me with an offer to postpone my payment. I agreed, paid a fee for the extension, and was granted - as the manager ( XXXX ) at XXXX XXXX stated a postponement. 

Although XXXX skipped the month, unbeknownst to me, XXXX XXXX also reported the skipped payment as past due to the credit bureaus and increased their fees on the account. Consequently, it intentionally harmed my credit score. 

Other XXXX XXXX  borrowers I know reported the same duplicitous scam by XXXX XXXX, which appears to be an attempt to limit people in this class to continue borrowing from XXXX XXXX since they won't have a good credit score to go somewhere else.

Over the past five years, I've never missed any payments on my cars, credit cards, student loans, or other personal loans. The only item showing missed is the scam payment extension by XXXX XXXX. After refinancing the loan in 2021 with XXXX XXXX, I haven't missed any payments. Still, they continue to incorrectly report a missed payments making it costly to purchase a home. There is a whole class of borrowers impacted by this scam.
Product: Credit card

CITI BANK is charging me late fees without sending me a bill. CITI claim they are sending me a bill but now I don ' believe them because this has happened before and I contacted them about this problem and they are blaming it on the Post office, but I received my other bills with no problem. Because I pay my bills on line they have taken for granted I know the due date, but I do not have a paperless account with them, I need to see my bill monthly. They claim my bill was due on XX/XX/XXXX, they called me on XX/XX/XXXX after they had already late charged me for another {$25.00}, and I think that is what they are after, those late fees.
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 XXXX XXXX XXXXXXXX : # XXXX, XXXX, XXXX at XXXX : XXXX XXXX XXXX XXXX at 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXXXXXX 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 consumer reporting agency can not furnish a account without written instructions.
Product: Debt collection

I recieved a letter from Radius Global Solutions stating that we owe {$5400.00} but everything from our accident was paid through a lawsuit. When i contacted them they did not verify me or my husband by either DOB or SSN & they did not give me the mini XXXX statement. I tried explaining to them that all debts related to our accident were paid through a lawsuit & we would need validation of the debt. I was told to hold for a supervisor. when the supervisor finally came on the line i tried explaining to them the same info & they still did not do any verifications or mini XXXX but then told me they would need my husbands permission to speak to me. i advised them that in the state of TN they don't need the spouses permission to speak & she kept just saying i need his permission. I tried again to ask for validation & she again refused.
Product: Credit card or prepaid card

Citi Double Cash credit card changed their benefits on XX/XX/2019, but the information was tucked as a part of the XX/XX/2019 statement, not like an update e-mail before, thus I missed the information that they no longer offered Collision Waiver for a rental car. 

We rented a car in XX/XX/2019 from XXXX and they charged us for the damage weeks after. Citibank did not respond our numerous phone calls and a letter, and we finally got their response after we filed a claim with XXXX XXXX XXXX and Consumer Financial Protection Bureau. 

They declined to credit back for the rental car damage, and reported to three credit bureaus to add " disputed by the consumer '' to our credit profile, even though we PAID all the charges on their statement IN FULL.
Product: Credit card or prepaid card

Chase liesto you initially first reference number is attached along with all documents support I'm telling the truth and they are cowardly being protected by you. Credit bureaus attached do not have Chase on my credit report and what card I have as well are attached
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, and XXXX XXXX XXXX acct # XXXX have violated my rights and have furnished my account information without my written consent and/or my written instructions. 

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 also states a consumer reporting agency can not furnish my accounts without my written consent and/or my written instructions.
Product: Student loan

Sallie Mae has continuously called our phone number and we are a XXXX. The person they are trying to reach CAN NOT be reached through this number. Sallie Mae 's representative is aware of this, yet she continues to call and harass employees who are not involved in this situation.