23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing a complaint against Chase Card XXXX XXXX regarding their handling of my purchase protection claim for a stolen package. It has been four months since I filed the claim, despite fulfilling all documentation requests and following their process diligently, Chase has continuously delayed and obstructed my claim, creating an extremely frustrating and inefficient experience. 

Incident Summary : - I purchased an item on XXXX using my Chase XXXX  Credit Card, which includes purchase protection. 
- The package was stolen at my frontdoor two days after it been delivered to my front door. I immediately reported the theft to the police and obtained a police report. 
- I submitted a purchase protection claim to Chase right after along with my purchase receipt and police report. 

Chases Repeated and Unreasonable Documentation Requests : - Chase requested documentation from any other insurance settlements. 
I submitted a declination letter from my home insurance company, which denied coverage since the claim amount was below the deductible. 
- A few days later Chase repeatedly requested the same insurance documentation again. I uploaded the Home Insurance denial letter again, but Chase still sent the same request without clarifying what additional information they needed. 
- After calling Chase XXXX XXXX, I learned that they were now requesting a claim from XXXX. 
- I contacted XXXX, and they denied my claim because it was outside their 60-day claim window. 
- I uploaded XXXX 's denial letter, but Chase then requested documentation from the courier ( e.g., XXXX, XXXX, or XXXX XXXX ). 
- I called Chase XXXX XXXX again, and a representative confirmed that the courier was XXXX XXXX and noted it in my case. 
- Despite this, I continued receiving emails from Chase XXXX XXXX requesting settlement documentation from the courier, creating an endless loop. 

Issues with Chases Claim Process : - Lack of Proper Document Review : Chase repeatedly asks for the same documents even after they have been uploaded multiple times. 
- Inefficient Communication : There is no direct communication with the adjusters, and customer service representatives have no authority to resolve these issues. 
- Unjustified Delays & Unclear Requests : Chase fails to specify exactly what documentation they need, leading to an endless cycle of re-submitting the same documents. 
- Bad-Faith Handling of Claims : The process appears to be designed to frustrate customers into abandoning their claims rather than providing the advertised protection. 

Chase promotes purchase protection as a benefit of their XXXX Credit Card, but in practice, they stonewall legitimate claims by endlessly requesting redundant documentation and creating unnecessary delays. This deceptive practice misleads consumers and violates fair claims handling standards. This is a scam. I'm so disappointed to Chase as a customer.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am being charged for transactions I did not make I was overseas in the XXXX  I could not have made these charges. I am not going to be responsible for charges I did not make
Product: Credit reporting, credit repair services, or other personal consumer reports

This all occurred in XXXX 2022. I was a victim of identity fraud and have been trying to dispute information on my credit report with Experian, including a fraudulent bank account and personal address. I went through the correct process to dispute the information, and recently received my results. Experian correctly removed the bank account from my credit report, however did not remove the fraudulent address. This continues to put me at risk as someone would be able to leverage that address to open other accounts. There were several instances with Experian where I tried to login to my Experian account to re-dispute the claim, and each team the site told me my password was incorrect. I would change my password through their standard procedures, try to login again, and it would tell me my password was incorrect. I even tried setting my password as the same password I had previously used, and the system told me I could not use a password I had used before, which had previously told me the password is incorrect. I have tried several times to get on the phone with a live person to fix the issue to no avail. Their systems are incompetent and there is no way to rectify the issues by talking with a live person.
Product: Credit card

Billing Error Dispute Amount : {$2100.00} NAVY FEDERAL CREDIT UNION has refused to address the Billing Error I submitted to them on XX/XX/2024. I have not received an acknowledgement of the dispute. 

I have attached the dispute to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX. Have accounts set up with them and have used them in the past. 
Tried logging in today and and can't access account. I have the correct user names and passwords because I'm an old guy and I write them down. All they want to do is sell you stuff without any access to your account. 
These people sholud be put in jail!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ILLINOIS ) XXXX Balance : {$500.00}, XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX  XXXX Balance : {$1500.00}
Product: Vehicle loan or lease

Lienholder is Fifth Third Bank I requested that all payments over the monthly payment be applied to the principal only. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payments have been placed in a BP curtailment account. The monthly payment is being reduced and the additional payments do not appear to be applied to the principal. I have called to confirm this multiple times and requested documentation stating that my request are being honored to no avail. I am being told they can not put in writing my request and confirm the exact allocation of funds.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX are reporting that I was 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is incorrect. On XX/XX/XXXX, {$1200.00} payment was made. XX/XX/XXXX there was {$1200.00} payment that was made and in XXXX there were payment of {$1300.00} on XX/XX/XXXX, {$1300.00} on XX/XX/XXXX, and {$630.00} on XX/XX/XXXX. The due date is the XXXX of every month, so these payments were not 30 days as it is being reported. 


This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus Equifax, XXXX, and XXXX. The following documentation is provided from the original creditor of the payment and therefore Equifax, XXXX, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX  XXXX XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Amex is reporting inaccurate information ie late payment on my consumer report.
Product: Money transfer, virtual currency, or money service

PayPal limited my account over 820 days ago, associated with the email address XXXX. I have an outstanding balance on the account equal to {$2000.00} which they promised they would be releasing after 180 days but have never allowed withdrawal.
Product: Debt collection

After I told them on XXXX/XXXX/15 that I hold POA for my mother XXXX XXXX they called her anyway on XXXX/XXXX/15 and harassed her for the money. She is XXXX old and has XXXX. I told them this on XXXX/XXXX/15 and yet they called her anyway. This is entirely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I submit a dispute with Nelnet due to a 120 day delinquency that I wanted to be redacted due to the circumstances and the late payments falling within the federal mandate due to Covid and the hardship it caused for everyone. I have disputed this twice with Nelnet and each time they ignore the circumstances and treat it as if Im disputing the accuracy of it ; which I was not. 

Back in XXXX I placed my student loans in forbearance due to hardship. I didnt realize they went back into repayment so the account became delinquent XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I noticed when it hit my credit report, dropping my score XXXX points! I called and placed it back in forbearance as my situation did not change. I recently found out these lates fell within the government covid forbearance. 

I requested a copy of my forbearance history and noticed that the government mandate back dated all the way to XXXX XXXX therefore my late payments are within the government mandated forbearance period. Since my delinquency fell in that time period of the mandate ; I reached out via dispute directly with Nelnet in efforts to have the credit reporting redacted. Without taking any of those factors into consideration they decided not to redact them because they confirmed the information was accurate. Once again, I was not disputing the accuracy of it I was asking for them to be removed to be fair because even the government recognized the time period I fell delinquent was a hardship for us all. 

Even though the delinquency took place 3 years ago ; lenders will not look past it. A XXXX point drop. It was reported as 5 separate accounts with 120 days delinquencies. My perfect payment history ruined. This has caused a bigger hardship than what a monthly payment would have cost. They have all the power to redact it but will not. This does not feel fair and doesnt reflect my true credit worthiness. And the timeframe it fell in ; during a government mandate but still no consideration to it just feels like a huge blow.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXX/XX/XXXXto support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/year> XXXXXX/XX/XXXX - XX/XX/scrub>/2024 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Debt collection

I recently reviewed a copy of my credit report on XX/XX/2019 and noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit
Product: Debt collection

The account is scheduled to stop recording on XX/XX/year> and Im requesting to have it remove from my credit report due to the age of the account Im requesting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with my XXXX XXXX credit card issued by XXXX XXXX. It is being reported on my credit that I'm 30 days overdue and this was reported on XXXX XX/XX/2022 but 30 days overdue would have been midnight XXXX on XXXX XX/XX/2022. I learned that my automatic payment didn't process due to an IT error which I promptly made the payment via XXXX XXXX payment system. The following is the message I received upon making the payment : You recently submitted a payment The following payment will be effective as of XX/XX/2022 : To account XXXX XXXX XXXX From account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Payment amount {$500.00} Additionally, the payment reported as delinquent on my credit report is {$500.00}, which wouldn't be the case if I '' m only 30-days past due. This is another red flag that something is wrong with XXXX XXXX credit reporting schema and it should be investigated immediately. I've worked hard to maintain my credit and it appears that XXXX XXXX has a motivation to make customer accounts delinquent and report false information.
Product: Checking or savings account

error within 60 days from the date the item first posted to my account. '' Call and fax logs to Optum Financial Bank from my cell XXXX XXXX XXXX and email XXXX indicate that I have repeatedly notified Optum Financial of this issue from XX/XX/XXXX until XX/XX/2022, less than 60 days from the unauthorized transaction posted date of XX/XX/XXXX. 
XXXX, a representative who handled my case, confirmed he received my unauthorized transaction dispute faxed in XXXX as well. 

Opened cases XXXX, XXXX, XXXX all indicate Optum is at fault for not processing my unauthorized dispute in a timely manner and falsely blaming me for not communicating promptly. Therefore, I believe CFPB should intervene and have Optum revisit my dispute and correctly refund me the {$270.00} disputed amount.
Product: Mortgage

I closed on the sale of my home on XX/XX/XXXX. Subsequently I called to give Roundpoint my new address so my escrow refund would be mailed to my new address. On XX/XX/XXXX I received my Customer Account Activity Statement addressed to my old address and called. It was dated XX/XX/XXXX and showed my escrow account was refunded XX/XX/XXXX. But the CSR told us it was mailed XX/XX/XXXX! I was repeatedly told they would not stop payment and reissue until 10 days after the check was issued. On XX/XX/XXXX I spoke with XXXX who said the check was issued XX/XX/XXXX! She promised to stop payment and have it reissued through the Cashiers Dept and would call us by XX/XX/XXXX. On XX/XX/XXXX I had to call her as I had heard nothing. I waited on the phone for close to 45 minutes for her to pick up my call. She agreed to stop payment, let her Cashiers Dept know I wanted the check sent overnight, and call me on XX/XX/XXXX. She did n't call. I called her today, XX/XX/XXXX, and waited 1.25 hours for her to take my call. She then informed me a check was MAILED XX/XX/XXXX because she did n't get with the Cashiers Dept quickly enough to have it sent overnight. So, now I 'm to wait another 10 business days to see if my check is received. It 's my understanding that escrow refunds are to be received within 30 days of the escrow account being closed. That did not happen. I also have a witness that heard both sides of the conversations because I had all calls on speaker phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing concerning an old US Bank credit card. The credit card was secured with a XXXX deposit. US Bank is currently listing the account as a Charge Off, obviously they kept the deposit for the account, so I am at a loss as to how the account can be reported as a charge off. While I understand that a charge off is an accounting term, furnishers of information are required to ensure that the reporting of consumer accounts is accurate and reflects their experience with the consumer. This account is listed in my file as a charge off, which indicates that I failed to pay the bank for the debt which is untrue.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2020, I enrolled or created a XXXX Account ( US ) profile with the sole aim of purchasing a smartphone through Finance, and I applied for the Credit through TD-Finance ( NA ) and the sum of {$2200.00} was being approved and immediately I placed my order after few minutes email messages are being sent to me that we are sorry your order is being canceled, several repeated orders were placed and all ended canceled with messages that my information could not be verified, several emails and called was being made to XXXX ( US ) but all to no avail, the company was not ready to get the problem fixed also the Bank ( TD ) is not rendering any meaningful assistance to get the issue resolved, they keep passing the buck and none is taking responsibilities to get the anomalies resolved. 

The main frustrating aspect of this whole process is that XXXX is categorically stating to me that, I have to use a different payment option to make my purchase, that my approved credit can not be used, knowing that the credit was been approved to me by her assigned banker for the main purpose of purchasing a phone. 

On the XXXX & XXXX of XXXX emails and reminders were sent to both XXXX XXXX and TD bank NA, no deemed it fit to respond. 

Very unfortunate and frustrating no one is responding to emails I please humbly request that you please intervene in this situation, even if that both ( XXXX and TD Bank ) can not find a common ground to fix this problem, whatever TD bank is going to resolve to, should not affect my credit score which I have over the years built and guided, XXXX, the purpose of this credit request is to keep building my credit A fair resolution I would accept since the company ( XXXX US ) has stated that I can not make a purchase with my credit, TD Bank should please revert to the status quo without having any negative impact on my credit score. 
The credit is not useful or beneficial for the purpose it was approved for and likewise, it can not be used to make purchases with other merchants.