23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I got married on XX/XX/2022. I called Chase to do a name change to which they had to mail me documents on my three cards that I needed to fill out, sign, and mail back ( what I was told by phone - an issue in itself that a big three bank wants their consumers to send copies of IDs and PII through the mail these days ). When I get the form, it does say I can submit through secure messages. Thankfully there is an option other than mail. 

On Chases form for a name change, I am asked to do a recertification of my social by writing it out and signing confirming it is accurate. Ive been a customer for over 20 years! Im not comfortable writing my social out and uploading it to a platform that, like yours, specifically says not to write socials in. See attached screen shot in their secure messages noting not to add this type of information, yet they require me to do this to change my name on all three cards. If it was secure, then why would the message specifically say not to put my social in the message? Why as a consumer should I believe that this is safe and secure and protecting my PII when it is specifically noted not to do so? 

I have not had to do the recertification with any other financial institution that changed my name, and Ive banked with Chase the longest. I also havent had to sign anything for anyone else. They used other verification methods. They have no issue doing limit increases and offering new cards ( I have three with them now ) to this social but I cant change my name to what is legal and correct so it can report to my bureau correctly? I work for a financial institution as well, so Im quite familiar with these processes. It doesnt make sense.

Im addition, I wrote the last four on the form and said no change. I recertified that. It was not acceptable. I offered to do a phone call to share my full social and recertify. That was not acceptable. I am supposed to take comfort in Chases employee, XXXX, telling me that this decision is the same for all cardmembers. Im also supposed to feel comfort in being told that my Chase credit cards include Zero Liability Protection meaning Im not responsible for charges. While that sounds great to cover my Chase cards, if my PII is not protected, I have to worry about much more than Chase. Also, a lot of customers dont understand how many checks and documents are lost in the mail these days, how credit reporting works, how your social can be used, or how the recertification is not necessary to change a name. 

This process is outdated and appalling. Ive loved Chase for years and sung their praises, until now. Chase should be doing better to protect their customers PII, specifically their social. Nothing should be sent through snail mail with a social. If the secure messaging says not to include a social or account number, I shouldnt be required to upload that information to the portal. 

Chase needs to do better at protecting my information. There are many other players who provide better experiences and protect the information better than they do including XXXX, XXXX, and many small institutions.
Product: Money transfer, virtual currency, or money service

Good day! My PayPal account is Permanently limited without valid reason and proof, now I can't use my PayPal account to withdraw and for my online job, this happened XXXX XXXX XXXX XXXX. I hope you can help me to remove the permanent limited of my account. Thank you so much!
Product: Credit reporting or other personal consumer reports

I am exercising my right under section 605B ( a ) of the FCRA to request a block of the following information due to Identity theft : XXXX XXXX  account # XXXX. My original request to block was sent via mail but was ignored by TransUnion. Ive attached the receive receipt and my original identity theft report.
Product: Mortgage

It seems awfully convenient for Shellpoint Mortgage to never be able to access their online payment system ( which is supposedly a free processing cost )? If you use their phone system it is an additional {$5.00} charge, if you must go through one of their " customer service '' agents it's a {$15.00} charge. So needless to say if the online system NEVER WORKS the customer always must pay the {$5.00} or {$15.00} charge every month? How convenient??? Please you try, I've spent hours equal to days while trying to get into it.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 ( b ) I am writing to formally request the removal of late payment information reported on my credit file in accordance with Section XXXX ( b ) of the Fair Credit Billing Act ( 15 U.S.C. 1666b ). I have never been late on payments for the account : ( XXXX ) ( XXXX ) I believe that the late payment reporting is either inaccurate or was caused by circumstances beyond my control, which are protected under this statute. Specifically, 15 U.S.C. 1666 ( b ) requires that creditors credit payments to accounts on the date they are received and prohibits unfair reporting when payments have been improperly handled. 
Given these circumstances, I respectfully request that you investigate this matter and remove the inaccurate late payment information from my credit report. This correction would ensure compliance with federal laws and maintain the accuracy of my credit history. 
Please notify me in writing of the outcome of your investigation. Should you need any further information, please feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Ive been with Navy Fed for almost 15 years. They have charged me overdraft/insufficient funds the most in the last 5 years or so. Probably monthly. With my XXXX account Ive never had these issues.. so I always knew NFCU was up to something. I can provide bank statements. I would love to recoup some of those funds. Thank you!
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$66.00} ; XXXX XXXX  Balance Owed : {$350.00} XXXX XXXX XXXX XXXX  Balance Owed : {$7100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$470.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$390.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report in XX/XX/2020 due to an alert from XXXX  about an updated account on my credit report. When I logged in to identify the account, I noticed 3 collections on my 3 credit reports that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REALLY TRIED TO WORK WITH EXPERIAN CREDIT COMPANY THEY HAVE CHARGE MY CREDIT CARD TO many times I set up my account and everything once they have charge my credit cards of the amount of XXXX I was on a trail basic until XX/XX/2019, meaning they wasn't not force to charge my credit card, not only did they lied to me a consumer, they charging my credit card before the renewal date, they are committed fraud charges on my credit card. Then they lock me out of my credit report they still charging my credit card under false pretenses
Product: Credit card or prepaid card

In XXXX Best buy automatically charged my card for XXXX XXXX I called in XX/XX/XXXX and had the charge removed as I utilize the business XXXX XXXX my business I asked for the subscription to be removed from my account so that I will not be charged in the future I was told they had removed In XXXX XXXX I had an alert stating I had a balance on my best Buy card I had not used the card, it was the XXXX XXXX  XXXX I called multiple times They did not refund me the full purchase price-they refunded {$59.00} on XX/XX/XXXX I called to get the rest removed and I was under the impression it was getting removed-as a letter from Best Buy dated XX/XX/XXXX states they credited my account the remaining difference However, The balance of {$4.00} remained and was reported to the credit bureaus My credit limit was decreased This was all set in motion by a charge that I did not authorize Best Buy has not been helpful in rectifying this situation
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

All Transactions From the Dates of XXXX XXXX XXXX when I was XXXX were submitted for dispute. The transactions were not authorized and were fraudulent. I reported a claim with my Bank Wells Fargo. I provided them with my hospital admission documents and they closed and denied my claim. My entire purse was stolen. I had to get a new Drivers License, new social security card, all my credit cards and along with my entire purse had to be replaced.
Product: Mortgage

Recently XX/XX/2018 shellpoint foreclosed on my home. I paid the account including past due fees. I paid it current to bring it from foreclosure, I had to pay the attorney fees, appraisal fees, etc. Shellpoint sent me a letter stating I owe Attorney fees and my account is still past due. I believe they are scamming me out of my money. I have requested the appraisal report, they refused to send it ... I'm not even convinced that they completed an appraisal of the property because if they did they did realize that the property ( home ) is burned to the ground. I want to know how was my money applied to the Account if everything is still past due and I still owe all those fees. Please investigate this issue.
Product: Credit card or prepaid card

On XX/XX/XXXX I reached out to a travel agency online known as XXXX to purchase 3 tickets to XXXX. Due to Covid getting worse I though it would be best to change the dates from XX/XX/XXXX to alter date but when I reached out to the agency via e-mail to do so I received no response. I tried calling them as well and the phone number listed in the confirmation e-mail I received is not in service. Due to these red flags I tried looking up the eticket numbers from the confirmation e-mail I received with the airlines listed in the email and found out the ticket numbers are fake my trip does not exist. I reached out to American Express immediately to dispute the charge and get my money back so I can book directly with an airline company myself on XX/XX/XXXX. I even submitted screenshots showing the eticket numbers from the confirmation e-mail does not exist with the airlines the travel agency falsely claimed to book my tickets through. The travel agency sent American Express the same falsified confirmation e-mail they sent me with the same e-ticket numbers that does not eco and I sent them proof it does not exist. American Express stated regardless of my proof that the tickets does not exist and this was clearly fraud since they submitted something they have to re-charge my account. Completely baffled I re-opened the dispute 2 more times for the same lack of result for a clear display of fraud from the travel agency side. On the third dispute made American Express re-charged me TWICE for the same dispute amount {$940.00} sending my account balance from positive {$450.00} credit limit to negative XXXX and change. I had no reason to be re-charged this disputed amount and much less twice!!! I submitted a billing inquiry only for them to tell me to review my statement that shows what I already know and told them. They did not resolve my dispute and then they re-charged my account TWICE for the same dispute and refuse to fix their mistake as well!!! Im beyond upset and at this point if this is not resolved Im filing a police report for fraud against both American Express and XXXX and if this isnt resolved Im filing a lawsuit for fraud to both as well, American Express had no right to bill me twice for one single disputed amount. Ive attached a screenshot of my last statement showing where the morons charged me twice for the disputed amount.
Product: Debt collection

I have been receiving numerous calls to my work place from a man name XXXX who says he is with City Management Group. He says I owe a debt of XXXX dollars for " XXXX XXXX ''. There is no such thin as XXXX XXXX it is known as XXXX XXXX. I found it to be very " shady '' I asked him numerous times to send me a paper bill to my address which they said they did but sent it to an older address of which i have not lived for almost 10 years. They kept asking me to " Take care of it '' over the phone using a credit card and i said i was not going to give any personal information over the phone unless I have verification of the debt via paperwork. They would not oblige, and kept harassing my place of work and I am a police and medical dispatcher. They called today while I was dealing with a call and i told them to politely call when I 'm not on duty to which he says " I never answer '' but they never call after XXXX which is when I 'm still at work. I hung up after telling him i was busy at work dealing with a call and i hung up. He proceeded to then call me back requesting to speak to my supervisor which is me. I told him that over and over how this debt would be handled and he has not obliged and instead harassed me for the last month or XXXX. And keeps threatening me with " further action '' Yet no " further action '' has been taken. 
The number they are calling me from is XXXX which is in XXXX XXXX. I 'm in XXXX XXXX. Ive researched the number and most websites have listed it as spam and harassing. I do not mind paying a debt if it is real, but i have reasons to believe this is not a real debt especially after I refuse to give them my credit card which i do not have XXXX and he tells me to go buy a prepaid card and put X amount of money on it. 
If this is a debt that i owe I gladly would pay it, but there are easier ways of going about trying to collect a debt and this guy XXXX has not done so and has been very unprofessional, rude, and threatening. I have recorded lines proving so.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/2017 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. 
We request time to review the information being request once received.
Product: Credit reporting or other personal consumer reports

Last year, I discovered that a XXXX credit card account had been opened in my name without my knowledge or consent. 
I did not apply for or authorize this account, and I believe this is a case of identity theft. I immediately filed a report with the Federal Trade Commission ( FTC ), documenting the identity theft and providing all necessary details. 
I contacted XXXXXXXX XXXX  fraud department to report the unauthorized account and requested an investigation.Despite my detailed report and the FTC filing, XXXX concluded that the case was not identity theft. 
This conclusion is incorrect, as I did not open or authorize this account. 

According to the Fair Credit Reporting Act ( FCRA ), once a creditor receives an Identity Theft Report, they are legally required to remove the fraudulent information from the consumer 's credit report. The FCRA mandates that companies must block the reporting of information resulting from identity theft. 
My FTC Identity Theft Report constitutes a valid Identity Theft Report under the FCRA, and XXXX is legally obligated to remove the unauthorized account from my credit report.
Product: Debt collection

many years ago i had XXXX installed in my home XXXX to XXXX rooms then i returned all equipment and discontinued service because they were raising prices to extent. so then they said i did not return a box from XXXX or later. i went down took all the equipment i had leased and was paying for monthly then they came up with equipment was not turned in now i was only getting charged monthly for the equipment i turned in they came back saying the i owe XXXX for equipment.. From XXXX they have been reporting to credit bureau and hitting my credit.
Product: Debt collection

Currently, I don't have a job and I can't apply for jobs at trucking companies. 

All the truck companies I applied to required : - 3 months experience - Graduates of XXXX A need school certificates and transcripts With the driver training agreement from XXXX, I didn't get a job anywhere and couldn't use it for anything else. 
I didn't quit my job during my training at XXXX. The staff at the new driver training center stopped my work with unconvincing reasons. 

I need more time 1 year for me to have a stable job and I will pay the driver training agreement payment as below : Weekly Payment Plan for a term of 1 year ( interest free ) : {$110.00} per week And I also need XXXX help and facilitate, so that I can apply for jobs at truck companies, related to the amount that I have agreed with CRST.
Product: Checking or savings account

On XX/XX/XXXX I received an email offer related to my Citi/XXXX XXXX XXXX XXXX. The promotion said that if I opened a Citi XXXX XXXX XXXX account and made a deposit into the savings account and left it for a period of time I would earn XXXX XXXX miles. 

The email I received had the terms and conditions in the body of the email, which stated : " ... deposit New to Citibank funds into your On Deposit Balance within 30 days, and maintain that On Deposit Balance for 60 consecutive calendar days, you can earn ... bonus miles. '' I chose to deposit {$10000.00} when I opened my account, by clicking the link from the email on XX/XX/XXXX. 

On XX/XX/XXXX I withdrew my {$10000.00} deposit since it had been 60 days since I had made my deposit. Which according to the terms in the email I received should have entitled me to XXXXXXXX XXXX Bonus Miles. I waited several months for to see if the points would post to my account but they never did. 

In XXXX XXXX XXXX I contacted Citi explaining that I thought they had made a mistake in not giving me my award miles. They launched an investigation and that is the first time they sent me a letter stating that the terms of the deal actually were that I had to leave the funds in my account for 90 days. I appealed the decision because no where in the initial terms in the email had it said 90 days, in fact it clearly states 60 days. The appeal listed new terms I had never seen and nowhere was the 60 days reflected as it was in the email, only 90 days was referenced. 

I have appealed this twice more, both times stating that I had a copy of the email that contained the original terms stating that I only needed to leave the funds for 60 days. No one has ever contacted me asking to see the email, they simply restate the letter with the terms I have never seen before that state 90 days. 

I feel like this was a bait and switch on the terms and I am entitled to the miles as I followed the terms as they were outlined in the initial email I signed up on.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds with transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair, and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

I need help updated my credit information. Everything I have is paid on time. Also, it is very confusing for my credit score not to be update on each site. I can't get an accurate reading.
Product: Credit reporting or other personal consumer reports

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

I have been receiving numerous harassing phone calls from United Legal Group after I asked them to stop calling me. I last received a voicemail message from them on XXXX. I believe they are harassing me to try to collect a debt that I do not owe and that is also zombie debt or time-barred debt. I believe the debt is time-barred because a representative at XXXX told me the debt relates to a medical bill that was delinquent in XX/XX/XXXX. However, the company reported falsely that the debt became delinquent in XX/XX/XXXX on my credit report with XXXX and XXXX. The information on my credit report identifies the reporting company as Credit Collection Bureau, but this appears to be the same company as United Legal Group. The phone number and address are identical to those used by United Legal Group. United Legal Group has called me numerous times and left numerous voicemail messages even though I asked them to stop calling me several months ago. In addition, they never have identified why they have been calling me. They either hanging up the phone when I answer or they will play a recording instead of a person coming to the line purely done for the purpose of harassing me.