23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The company reported many aliases ( around XXXX ) and wrong addresses on my credit reports. There are also collections on my credit report which are not accurate. these informations are damaging my opportunity to get funding and mortgage. There are also account open in my name that I do not recognize. by example for XXXX has account that was open under my name when my identity was stolen. I ask that the credit report reflect accurate information. I was both victim of XXXX and XXXX data breach. I would like to see these inaccurate information be removed from my report and prevent any collection agency to repost them after they are removed.
Product: Student loan

I have automatic payments set-up with this company ESCI Heartland XXXX and every year or so they try and say I don't make a payment, and they overcharge me with and additional payment and send me threatening letters about reporting me to the credit bureau XXXX I've had this same dispute resolved before. When I call, they say that they can not help me with this sort of issue and that they only deal with website related issues. They said that they don't have any history of my payments and can not help me. They refer me to contact XXXX XXXX ( the school ). They clearly have something wrong with their system and they are using it to charge late fees for non-payments that they take from your account, and then return it. This is a predatory practice, and it needs to stop. The last payment that was taking out from them was {$90.00} on XX/XX/2023, and then it was returned. Now they are saying I owe them when they take the payments, and then reverse the charge. Again, this is why I'm set-up for automatic payments.
Product: Vehicle loan or lease

I took out a loan for a vehicle in XX/XX/XXXX, never missing a payment. PNC has strange rules about online account access, requiring a fee based checking account - so i set up automatic payments. InXX/XX/XXXX i received a 'final statement ' and was told i would have one more payment and would be done. That final payment was not for the notified amount. Instead they took less, and immediately sent me a late notice and began calling me 3x per day. Then collection calls started. To end this, i paid the remaining amount. A few weeks later, i received a check, and was told i had overpaid. Then i received a closed account letter and my title. OnXX/XX/XXXX,  PNC took yet another payment. I have been unable to find a human to help me. my case was 'elevated ' to 'executive level ' but the person i'm to call is never at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian is charging me to put a freeze on my credit report. its unfair - they should allow me to put a freeze on my account without a charge as it is my account,
Product: Checking or savings account

US Bank allowed fraudulent transactions over several months after I reported fraud and stolen debit card. My social security XXXX automatically deposited to my account, US Bank never resolved all of the fraudulent transactions over a year period. Withdrawals, deposits made to other online financial services which were unauthorized, US BANK refused to resolve the disputed and fraud accounts and never issued a replacement bank debit card. Checking and savings both impacted. Over $ XXXX in monies stolen.
Product: Money transfer, virtual currency, or money service

I received a Wells Fargo Bank Transfer statement in the mail. I called Wells Fargo and told them we had cancelled my application in XXXX 2020. I spoke to my bank credit card department and was told that the {$56.00} purchases and adjustments they charged me would be cancelled and there would be no balance transfer. I received a bank statement from XXXX XXXX  that Wells Fargo did a balance transfer. The amount was never discussed and I had not approved of this transter. I called Wells Fargo and was told there was nothing they could do, today, XXXX XXXX, 2020. 
I do not want Wells Cargo balance transfer. I told Wells Fargo unless I can get the entire amount {$2500.00} paid in a balance transfer, I would not agree to their transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is reporting a {$27000.00} balance on my account, and showing it as a charge off on all XXXX major credit bureaus. My online Santander account shows they received over {$14000.00} for my vehicle that was illegally repossessed. It shows the payment posted on XX/XX/XXXX, yet on XX/XX/XXXX they also again reported a {$27000.00} charged off balance, instead of the {$9000.00} balance that my Santander account shows. They also still have not subtracted my service contract amount of {$3500.00} that I was not allowed to use, never used and never received paperwork on. I have disputed this since I purchased the car in XXXX because I was forced into it after being told it came with the new car purchase, which is deceptive practices. I was never notified of the sale of my vehicle either. I want Santander to completely delete this account from my credit report immediately since they have continually reported wrong information and refused to fix it. There is no reason that they should be allowed to continue to cause me further financial and credit harm.
Product: Credit card or prepaid card

Hello, I am writing as a follow-up to my recent complaint # XXXX and # XXXX against Citibank , N.A . 
I feel that my case was unfairly closed. 
Citi claimed to have sent me a refund check number XXXX of {$1700.00} mailed on XX/XX/2021. I received it on XX/XX/2021 and deposited it to my bank account the next day. However, the bank informed me today that the check has bounced and charged me a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I believe I have been a victim of identity fraud. My information must have been compromised during the Equifax hack or elsewhere because I have accounts showing on my credit report that have no connection to me nor did I ever do business with. Please help me get this issue resolved and get my credit report back to normal before these accounts showed up. They are a credit center company and its reporting 3 times which is super suspicious and also a receivables outsourcing looks like another collection company also and a eastern account system which is also reporting twice. I would appreciate your professional help in this matter. Thank you.
Product: Credit card or prepaid card

We built up our reward points with our Chase Visa card and used our points to purchase an airline ticket for our daughter, who lives in XXXX, XXXX. The value of the roundtrip ticket was {$840.00} or XXXX points. The flight was booked through Chase Rewards Travel on XXXX XXXX for XXXX to XXXX XXXX with a travel date of XX/XX/XXXX. Two weeks before the flight the U.S. implemented travel restrictions due to Covid 19, resulting in the flight being cancelled by XXXX XXXX. 

Between the time we booked the travel and the actual travel date, Chase Bank cancelled our checking, savings, and credit card. We received a letter in the mail from Chase Bank that gave no reason for the cancelling of our accounts. When I called and talked to a supervisor, I was told they couldn't release that information. A couple of months after the flight was cancelled I began to call the Travel Rewards department to get our refund. I explained we no longer had an account because Chase cancelled our accounts. Despite explaining this to them, on XX/XX/XXXX they attempted to credit the XXXX points back to an account that was closed. I received a letter from Chase Bank explaining the refund didn't go through, but the other option was to send us a refund check. 

I called Chase Travel Rewards later in XX/XX/XXXX to ask them to send a refund check. They updated our address and confirmed they had received a credit back from XXXX XXXX and that they would send a refund check of {$840.00}. I received an email on XX/XX/XXXX confirming our address had been updated and a check request had been submitted. The letter stated the timeframe would be 6-8 weeks with an additional 1-2 weeks due to the new year. 

By XX/XX/XXXX I had not received the refund check so I again spent hours on the phone with Chase Travel Rewards. After 3 hours on the phone, a supervisor apologized for the situation and expedited another refund check request. On XX/XX/XXXX I received another email confirming a refund check had been submitted and it would take 8-10 weeks to process. By XXXX I had not received the refund check. 

On XXXX, after hours on the phone with Chase Travel Rewards, I spoke to a supervisor who apologized for the situation and said she was sending a note to the offline team who processes the check. I was told I would hear from them within 5 business days. I did receive an email from the offline team saying they were too busy to help me and that I should call customer service.

I believe Chase Bank intends to send us our refund check, but for some reason they have been unable to deal with processing the check. I intend to take Chase Bank to arbitration or small claims court if I can not get this resolved in the next 4 weeks.
Product: Bank account or service

Sometime in late XXXX I received an offer from Citi bank to join their CitiGold Checking account program. The literature stated that a bonus of XXXX TY points would be awarded if I met the required terms and conditions. This seemed like a decent deal to me ( given the fact they charge a high monthly fee for the account ). Once I had met these conditions I sent a secure message to confirm that I had all the details correct. I received a message in return stating that " yes, I had completed all the necessary requirements '' and was given a date when the points would post. This date passed and I sent a second message inquiring as to what the delay was. I was then told that I was n't eligible because they believed I had not originally been targeted. This application was submitted in XXXX and I naturally do not still have the slip I received from them about the offer. I have screenshot the message from the rep stating that they had in-fact confirmed my eligibility previously. More disturbing, is that when I attempted to access the older messages where they had confirmed I had met the requirements I was unable to do so.
Product: Debt collection

I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 

1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 
2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and I.C. systems, I'm enforcing my rights and demanding they CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ) 3 ) I as a consumer have the right to PRIVACY and I.C. systems violated 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. 
without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT. 
I the Consumer/Beneficiary demand  account # XXXX be updated, credited and zeroed out Immediately or I will file for litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1692k under the civil liability section. 
Reference # XXXX
Product: Student loan

I recently reviewed my credit report with XXXX in XX/XX/XXXX and just noticed that the student loan I co-signed for someone back in XXXX is being reported as a joint account on my file. I disputed it as it should show on my report that I am a co-signer not as a joint account. When I checked the investigation results last night, it says it was verified as reported. This is the only student loan that I have on my file, which I co-signed for my niece. 

I contacted Navient earlier today who acquired the loan. The original creditor of the loan is XXXX XXXX XXXX. When I spoke with XXXX from Navient 's Private Loan Dept., at the beginning of the call she identified me as the " co-signer '' for XXXX XXXX, the student and primary borrower on the loan. I again asked XXXX to confirm if their record shows me as a co-signer, and she said yes. After I explained to her the situation regarding my credit bureau dispute, she then indicated that they consider a co-signer the same as joint loan holder. She asked me if I know the difference between the two and when I explained it to her, she agreed but still indicated that Navient considers me as a joint loan holder. I reminded her that at the beginning of the call, she confirmed twice that I am showing on their record as a co-signer. That did not seem to matter. I asked XXXX how I became a joint loan holder when the original loan from XXXX showed me as a co-signer. She could not really explain that to me.
Product: Checking or savings account

I opened Claim Number : XXXX in XXXX with Chase Bank, I needed their assistance as I was getting the run around with XXXX. XX/XX/XXXX I ordered a new laptop through XXXX third-party seller XXXX XXXX XXXX XXXX When the laptop arrived it was powered on and open, showing it had been used. The laptop cost was {$1200.00} new. Since it was powered on and used I asked XXXX to return it. XXXX said ok, sent me a label and I sent it back. To my surprise I was only refunded {$960.00} because XXXX XXXX XXXX only refunded partial and kept a restocking fee. This was not disclosed at any point. I fought with XXXX and was going in circles. I reached out to Chase. Chase disputed it and came back and stated that XXXX returned on all the money, and listed a bunch of returns from other orders. I kept trying to explain but the lady and eventually the manager would not listen. They kept saying they can't dispute again. However this is illegal, you can't sell goods as new and send used ones. I called and spoke to Chase on XXXX at XXXX CST, it was a XXXX phone call. I really want this resolved and want the XXXX back as this was not my mistake or buyers ' remorse but literally a bait and switch from this company. Chase should help protect my money coming from my banking account with them.
Product: Mortgage

I applied for a refinance on an existing mortgage loan in XXXX thru Homeward Residential. After extensive paperwork, appraisal report, verbally told that loan was approved, lender stopped communicating with me. I call them up wondering what happened to signing of my loan document, I am told casually that my loan was rejected and a loan officer was supposed to call me. What happened to my rights as a consumer to be notified when rejected for a loan? I call XXXX of their executives to obtain an explanation, XXXX XXXX, I never get a courtesy response from him.
Product: Checking or savings account

I try withdraw money from XXXX several times using my credit karma debit card after receiving tax return. I called numerous times regarding the issue and never got resolution.The response I got was to drive a hour to another XXXX or pay XXXX fee.Supervisor hung the phone up on when I said was feeling stressed out and suicidal. I let the XXXX know I was about cut my Wrist. I cut my Wrist because Credit Karma kept hanging up the phone. XXXX is misleading XXXX XXXX customers when it comes to fees and benefits of using them. I should not be forced to pay XXXX fee because Credit Karma will tell me when error message.
Product: Credit card

Received a promotional offer to upgrade my XXXX American Express card ; my current card offered a voucher to redeem a hotel room worth up to XXXX points. The promotional offer increased my annual fee considerably, but gave me a voucher worth XXXX points ( better hotels available ). However, the company only gave me a voucher worth XXXX points ( not much different from what I already had ). I complained and had forwarded the original email to them/ posted the PDF on their website so they could fix, but they refused to do so.
Product: Debt collection

Credence Resource Management called to collect a XXXX dollar debt I already paid in XXXX for XXXX XXXX XXXX between XXXX XXXX and XXXX Hospital.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX  XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is has been several times in an attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

On XX/XX/2019 I contacted Debt Recovery Solutions regarding an account they are attempting to collect for and reporting on my credit report. They received my request for them to validate this account via certified mail number XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 and they have yet to respond to that request. Instead what DRS has  done is send me a text and call stating someone will be delivering papers for me to sign and I needed to be home to sign for them ... giving me the impression that I am about to be sued although the alleged account they are attempting to collect occurred more than 4 years ago, which is the statute of limitations in texas to sue a consumer. Debt Recovery Solutions continue to verify this account with the credit reporting agencies even though they have failed to validate the account.
Product: Checking or savings account

On XX/XX/2020 I placed an order with company XXXX XXXX XXXX XXXX. The order was for a roll of tape that was free, l just had to pay {$1.00} for shipping. When I checked my account shortly after placing the order, an amount of {$110.00} was charger from this company. I imedietly called their customer service and was informed that the {$110.00} was for a club membership that was never explained in the add i ordered from. I asked them to cancel the order and refund the full amount. They refused. I asked to speak with a supervisor and still to this date of XX/XX/2020 have yet to receive that call back. I have never received a receipt for my transaction of any kind. I contacted my bank to help in this matter. They were unable to help me. I called the company again to get the receipt for my bank and have received nothing. I have made numerous attempts to rectify this situation to no avail. Please help me in this matter. I have attached screenshots of all the information I have. The company refused to provide anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a XXXX fraudulent account on my credit report. XXXX XXXX {$7400.00}
Product: Credit card or prepaid card

I have had my chase XXXX credit card for years now and have always had a credit limit of XXXX $ and have always been perfectly fine with that as it controls my spending habits and i know when i reach my limit as it cancels the transaction. But starting this last statement cycle my credit was changed and increased without any notice. In going to pay off my card this month my balance is XXXX which is far above my credit limit of XXXX my previous balance for this card on XX/XX/19 was XXXX which was paid including interest. In speaking to a chase representative they said that credit limits can vary depending on them but increasing a credit limit without any notification or approval by me is unacceptable and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection App ( 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: Credit reporting, credit repair services, or other personal consumer reports

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! Please see attachments below.