23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My husband had his social security check deposited to JP Morgan Chase on XX/XX/XXXX in the amount fo {$2100.00}. My husband, XXXX XXXX, passed on XX/XX/XXXX, which is why that check was put on hold by Chase after being alerted by the social security administration on XX/XX/XXXX. At the end of XXXX, I had finalized all other issues with getting spousal benefits with social security, and received all funds due from social security in XXXX for months after XXXX 's passing, but the check at Chase was still on hold. 

In early XXXX I notified the Chase estate team that they should release the hold, as the banking team told me that they could not release it. The estate team told me that the money was sent to social security, and that I needed to talk to social security, as they did not have the funds any longer ( they said I should fill out a form XXXX to claim funds ). I contacted social security and found out that the funds had never been sent back to social security from Chase. Upon talking to the estate team AGAIN, this time they told me that I needed to fill out a form XXXX to get the funds released. I contacted social security, set up the first appointment on XX/XX/XXXX of XXXX, filled out and got the form signed, and then took the form to the Chase branch office on XXXX XXXX XXXX in XXXX XXXX, CA. They contacted the estate team and faxed the form to them. I was then told that the funds would be released in my account ( checking XXXX ) the next business day. On XX/XX/XXXX, the funds were DEBITED from my account instead of just having the hold released, and SENT BACK to social security! 

I spoke to the estate account teams # times in the last week, and the only resolution hI have been given is that now I need to go to social security and claim the funds directly from them ( have another check issued ). This is unacceptable, as this was their screw up. This is a fairly regualr occurance that I would assume the estate team at Chase can manage. I followed all of their process circles to get it resolved only to end back at square one.
Product: Credit reporting or other personal consumer reports

I noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed.
Product: Credit card

To whom it may concern ; OnXX/XX/XXXX, I attempted to use my Citi bank premier strata card to book a vacation stay through Citi travel. The charge was roughly {$550.00}. My charge was declined due to a fraud alert. Both myself and my wife contacted Citi and Citi travel directly to determine why the alert had occurred. After multiple conversations, the fraud alert was removed, but we were unable to book the vacation using Citi travel. The customer service representatives were not entirely sure why the alert occurred and said it may be an issue with the merchant. They advised us that it may take 24 to 48 hours to reset through the vendor and at that point, to retry and the alert would be cleared. 

I attempted to book again on Monday XXXX and received the same fraud alert. I contacted Citi to have the alert removed, requested additional information on why this continued to occur, and made them aware I was not happy with the inability to use Citi travel to book a vacation. The only reason I have used this card is to accrue points for travel and receive travel discounts. However, the block and fraud alert only occurs when I attempt to use Citi travel. The representative said that my phone number did not match the number on file ( due to an error on the representative reading back the number ). The representative stated they would call the other number on my account to verify my identity. They placed me on hold and never called my second number. When the representative returned, they stated there was not an answer at the second number ( however no call was made to the correct number ). The representative then proceeded to keep my account locked and said I was required to wait 7-10 business days for a mail correspondence to provide account verification. 

I relayed my frustration with the process and made them aware I wished to cancel my card and account with them due to their poor service and false advertisement of services. My wife and I use this card solely for the travel benefits, and they have prohibited me from using the pricing discounts or utilization of points as advertised. 


I escalated the issue to a supervisor who proceeded to provide me the same reasoning. She stated the letter had already been mailed while we were on the phone. I asked if she printed the correspondence and placed it in the mailbox while we were talking and she stated she had. I replied that I believed this to be a false statement, and it was highly unlikely she did so. She continued to state she was telling the truth. 

At this point, I would like to make my complaint and voice heard. It appears Citi is providing false advertisements and misleading claims for services provided by their cards. I do not want to use their strata card any longer and also feel it is not right that they can also refuse to allow me to cancel their card. 

Thank you for your time
Product: Credit reporting 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 XXXXXX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

I did a modification in the year of 2015 they are claiming that I owe over {$400000.00} on my home I did not take any money out of my home Ive never owned that much money on my home I need help Ive talk to an attorney they sent over a letter I have not got any response from XXXX they keep sending me the same paperwork over and over again stating that it is valid I dont see it in the paperwork I dont understand it I never pulled any money out of my home so that being said I dont believe I owe this. They added principal twice on my loan which does not make any sense to me please help
Product: Credit reporting or other personal consumer reports

Hard Inquiries Experian Creditor Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX received the following request to block, On XX/XX/2023 XXXX received the following request to block, and On XX/XX/2023 Experian received a request under 15 U. S. Code 1681c-2 to remove/block fraudulent information reporting on my credit report. XXXX XXXX XXXX XXXX is using my identifying information without my authority. I never gave consent under 15 U.S. Code 6802 for any use of my information to 3rd parties furthermore under 15 U.S. Code 15 U.S. Code 6803 I have not provided that consent annually. XXXX XXXX XXXX XXXX is aware that use of my information without my consent/authority and outside the boundaries of the law is illegal. 

I have requested XXXX, XXXX, Experian and XXXX XXXX XXXX XXXX to validate the account by providing me with a copy of the original contract with my signature and a copy of the mandatory disclosures of personal information pursuant to 15 U.S. Code 6802 for any use of my identifying information or where pursuant to 15 U.S. Code 6803 I have given that consent annually. These disclosures are mandatory and must be disclosed prior to the consummation of the contract and a response must be given in writing before any reporting can take place. 

The use of my identifying information without authority is IDENTITY THEFT regardless of the user. Therefore I have filed an Identity Theft Report which will be attached. 


On XX/XX/2023 XXXX received the following On XX/XX/2023 XXXX received the following On XX/XX/2023 Experian received a request under 15 U. S. Code 1681c-2 to remove/block fraudulent information reporting on my credit report. XXXX XXXX XXXX is using my identifying information without my authority. I never gave consent under 15 U.S. Code 6802 for any use of my information to 3rd parties furthermore under 15 U.S. Code 15 U.S. Code 6803 I have not provided that consent annually. XXXX XXXX XXXX is aware that use of my information without my consent/authority and outside the boundaries of the law is illegal. 

I have requested XXXX and XXXX XXXX XXXX to validate the account by providing me with a copy of the original contract with my signature and a copy of the mandatory disclosures of personal information pursuant to 15 U.S. Code 6802 for any use of my identifying information or where pursuant to 15 U.S. Code 6803 I have given that consent annually. These disclosures are mandatory and must be disclosed prior to the consummation of the contract and a response must be given in writing before any reporting can take place. 

The use of my identifying information without authority is IDENTITY THEFT regardless of the user. Therefore I have filed an Identity Theft Report which will be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have accounts that need to be validated
Product: Money transfer, virtual currency, or money service

Was having issue sending or receiving funds was not able to speak with anyone about the issues
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to file a formal complaint regarding a significant issue with American Express ( Amex ) related to an unauthorized direct deposit. 

On XX/XX/scrub>XXXX a direct deposit of {$54000.00}, which was intended for me as part of my XXXX XXXXXXXX compensation, was mistakenly deposited into an American Express account. I have recently discovered that this account is not in my name, and I do not have any access or authority over this account. The funds were directed to this account without my knowledge or consent. 

Despite my attempts to resolve this matter with Amex, I have been unable to access the funds or correct the error. It is deeply concerning that Amex accepted and processed a direct deposit into an account that I am not associated with in any way. This situation has caused significant financial hardship, as these funds are critical for my personal needs. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist in recovering the misdirected funds. I also ask that Amex be required to implement stronger verification procedures to prevent such errors from occurring in the future.
Product: Student loan

My loan had been serviced by XXXX XXXX for 16 years. It was then assigned to Nel Net. When asked XXXX XXXX for a simple repayment schedule going forward, I was informed that information was not transferred with the assignment, and my requesting that info from them may re-open the repayment schedule and terms of repayment. I then informed them this not only baffling but perhaps legally actionable on simple assignment theory, as a legal transfer can't increase the burden of the obligor 's burden to perform. For their part, XXXX XXXX informed me they are unable provide me a repayment schedule because the loans was assigned. Please advise what I can do to obtain a repayment schedule on my existing terms. Thank you very much, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Experian credit report shows XXXX twice for the same student loan accounts. One listed for $ XXXX the other for $ XXXX, with Experian stating I have $ XXXX in student loan debt. I have $ XXXX per the Dept of Education and XXXX. 
Same day I contacted my acct rep with XXXX, he stated one will fall off give it a month. 
Same day I filed a dispute with Experian on the $ XXXX, denied it. Verified with the Dept of Education no one called or placed a verification request for total amount of distributed student loans.The person handling the disputes states consumer doesnt agree with FFCRA. Never mentioned FFCRA as I have no issue with 0 % interest yet but yet now I owe more money since XXXX. XXXX is charging me {$50.00} a month to service my {$0.00} payment plan, yet my interest went up when it should be 0 % from XX/XX/XXXX onward through I believe XX/XX/XXXX. 

XX/XX/XXXX - Both the $ XXXX and $ XXXX student loans are still showing on my Experian Credit Report. Placed a dispute with Experian again, this time under the $ XXXX, sent in documentation to include a print out of my last XXXX statement and a screen shot of the owed amount per the National Student Loan Database, and the Dept of Education with explanation that they are showing the same accounts with two different amounts combining them for total student debt of $ XXXX which is incorrect. 

I send an email to my account rep at XXXX XXXX he calls me back from the East to West Coast, drunk at XXXX XXXX PST, to assist me. Basically said XXXX can not speak to Experian and that yes it is wrong on the Experian credit report as I sent him a screen shot. He suggested what I had already done that is to dispute it. 

XX/XX/XXXX - I called Experian they said no I have the debt of $ XXXX, and opened another dispute on-top of a dispute. They gave no information on how they verify my student loans and refused to acknowledge that the same accounts are listed twice under the same account number ( s ). I advised it is impossible to take Federal Loans out for an XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX - pulled my XXXX  and XXXX credit reports to confirm they are reporting correctly of $ XXXX, sent info to Experian and updated XXXX. 

XX/XX/XXXX - Experian dispute remains unchanged, stated they spoke with the student loan servicer and that the information is correct. Problem is they are verifying one account because you can not combined the two open student loans together, not resolving that these are listed twice. 
Filing a complaint.
Product: Mortgage

Submitted a loan application with the 6 pieces of information for XXXX with Pennymac. The loan officer called me from XXXX XXXX XXXX and said his name was XXXX XXXX XXXX XXXX XXXX. He has what my credit score was, I told him I was not sure and I gave him verbal permission over the phone to pull my credit and he told me to go to XXXX. I explained I had already done that and those scores are usually 10-20 points higher than the XXXX XXXX  credit report mortgage companies use to make a credit decision. He put me on hold when I asked him to pull my credit for 10 minutes, came back and still had not pulled my credit and again told me to go to XXXX. Pennymac is my current mortgage lender and I was trying to refinance my home thru them. I asked for his name and number and the information on him was not valid, I asked for his supervisor and it took him a few minutes to get me that and was was told XXXX XXXX XXXX XXXX XXXX and I called that number and it is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to fix my date of birth with myEquifax on XX/XX/XXXX. It says I was born in XXXX on their report. This is stopping me from being able to move into a home because that information doesnt match the other credit bureaus. I am XXXX not XXXX!! You would think this would be an easy fix. But NO!. They ask me to verify my identity and its wrong everytime because they have it listed incorrectly. I know for a fact it was correct before their " breach ''. I attempted to send a picture of my DL on their site. The site prompted me to call customer service. Customer service says they cant do anything I should mail a copy of my ss card and DL. I dont feel comfortable sending my info in the mail since I already had identity theft issues because of them and I have to have a perment freeze on all of my reports. I asked if I could email it..the guy who barely spoke English and sounded as if he was in a daycare said I could FAX it! Where am I going to get a fax machine? I asked for a manger..he said no. Lol.. I continued to ask because now its clear he's not even in the U.S. he says okay and then HANG UP!.
Product: Credit card or prepaid card

We closed our Synchrony Bank JCPenney credit card back in 2020- XX/XX/2020 according to my XXXX XXXX account. We suddenly got an email, and then a statement in the mail, announcing they were reviewing our account and found they owed us XXXX cents and will issue a refund with our next billing statement. We closed our account with them because of previous awful customer service and run around. Contacting us nearly three years later because they have kept the account active, or are reviewing a closed account, seems like a flimsy excuse to either keep it open or re-open it. My name on the account was XXXX XXXX, and my husband was also on the account, XXXX XXXX. I spent six months bouncing between JCPenney and Synchrony Bank getting them to honor the advertised conditions under which we had bought appliances through them, and the largest reason we closed the account after we paid it off. I have not contacted them because I don't want that contact to constitute some sort of agreement on my part to re-open the account, and I don't wish to waste more time getting the run around from them. We are so opposed to doing further business with this company, we took out a loan on my car to finance buying a garden shed rather than open another line of credit with Synchrony Bank, who did the lending for the shed company. When I tried calling their system it kept asking for the card number, but we destroyed the card when we closed the account.
Product: Credit card or prepaid card

This is a notice to request information regarding : Synchrony Bank/TJX | Acct # XXXX Please provide copies of the following information : All billing statements from the date of account opening A list of people you have sent my personal information to The XXXX XXXX disclosures A copy of the XXXX cancellation of debt if applicable Date of First Delinquency Please forward all correspondence regarding this matter to the address stated above or attach directly to this complaint within XXXX XXXX.
Product: Checking or savings account

Routing Number : XXXX Account Number : XXXX Username : XXXX I have been unable to close my checking account with Wells Fargo. Wells Fargo here assumes all liability for any fees associated with the checking account.
Product: Debt collection

I sent a letter on XX/XX/year> requesting validation and the company failed to provide any information within the time provided under the FCRA
Product: Money transfer, virtual currency, or money service

Wanted to pay an invoice through Paypal as a guest, but Paypal created an account without my specific authorization, and stored my credit card information without my authorization. 

Using this alleged service is very troublesome, confusing, and dishonest on the part of Paypal..
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 XXXX XXXX XXXX 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} 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: Credit reporting, credit repair services, or other personal consumer reports

I recently was denied a car loan due to the incorrect reporting and negligence Acima Leasing. They wilfully and knowingly reported incorrect and inaccurate information to the reporting companies. Acima Leasing is in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1611 ( 1 ). They are reporting a vehicle lease on my consumer report which in fact it was not a vehicle lease it was a phone. They have made it hard for me to get to work with this wrong and fraudulent reporting. I have uploaded documents that I have sent them with no response.