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

I made a transaction with a merchant ( XXXX ) that used 4 hours of my time ( Staffing shortages, Hold times, etc. ) on XX/XX/2022. I used my personal Chase ( Amazon ) Visa CC to pay said merchant over phone. Two days later ( XXXX XXXX 2022 ) I received an " alert '' from Chase via txt msg on my personal phone informing me of a declined charge. Chase did not give the name of the merchant, phone number of merchant, or any other description, so I was not able to confirm or deny the transaction. Chase also sent me an email to my email address on file XXXX XXXX 2022 and again included no identifying details other than an amount billed. After some research, I was able to match the amount of the disputed charge with an approved merchant and approved the transaction on the email webpage provided. Chase would not acknowledge my approval, and instructed me to call their office. 

I called Chase ( XXXX ) as instructed at XXXX mountain on XXXX XXXX. I was hung up on by the agent. I called Chase back at XXXX for help. Chase could not give me the correct contact information, or the name of the vendor in question. I was instructed by Chase to do my own research, and contact them ( Chase ) and either approve or deny the disputed charge upon completion of my research. I again did my research and called Chase to approve the purchase at XXXX XXXX XXXX. I explained to the agent that Chase 's failure to provide any supporting merchant information, and the fact that they would not acknowledge my email was putting an unreasonable burden on me because of the lack of disclosure on Chase 's part and refusal to approve the purchase. This " third '' agent apologized and informed me that she would contact this merchant while I was on hold and approve the transaction directly. The agent lied. She did not contact the merchant, but instead " patched '' me through to the merchant and I was on hold for another 47 minutes with the merchant ( not Chase, Chase hung up on me ). The Chase agent hung up and left the call as soon as she said she would approve the transaction with the Merchant ( XXXX XXXX ) After refusal of help from Chase, I called the merchant and using another 40 minutes of my time, cancelled the " disputed '' order and made another duplicate order using a different Credit card. 

At XXXX I again called Chase ( Amazon ) and visited with XXXX. XXXX elevated my call to her " supervisor '' XXXX. I explained to XXXX that Chase 's negligence in failing to give me detailed merchant information, refusing to follow my order of approval through my email, disconnecting two separate phone calls caused me an unreasonable burden and was unethical banking. I informed him that I planned on filing this complaint. XXXX informed me he was sorry. 

XXXX
Product: Checking or savings account

My debuts card was used by someones fraudulently. I even got a chase fraud alert for that transaction at XXXX XXXX XXXX. The card was also used for playmakar at the same time. Chase bank refuses to give me my money back. I filed a claim in XX/XX/2021. It was closed within two weeks saying it was not fraud. I told them I will proved your profs I have even filed a police report about identity theft they reopened my case. They asked me to keep calling them every week that soon decision will be made, now on XX/XX/2021 Im told that the case has been closed and you will not be getting your money back and its like around {$300.00}. I would like consumer help to please help me get my money back that were a fraud
Product: Debt collection

I received a phone call on Tuesday from F & M capital stating that I owe a past due amount to XXXX  University in XX/XX/2014. They stated XXXX XXXX paid for my tuition and I had to pay either a lump sum of {$3500.00} or the Full amount {$5100.00} in monthly payments. I wasn't comfortable giving them my information. They sent me a enrollment form to my email, However the address and zip code didn't match. They called me from 3 different numbers. ( XXXX  ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX. XXXX   called me this morning stating that he is from XXXX and that he would summons me in 48 hours. ( XXXX ) XXXX.
Product: Checking or savings account

Subject : Follow-up Complaint Regarding Navy Federal Credit Union XXXX XXXX # XXXX ) Dear CFPB, I am writing to file a follow-up complaint regarding an unresolved issue with Navy Federal Credit Union ( NFCU ) that I initially reported through the CFPB on XX/XX/XXXX. While Navy Federal provided a response to the original complaint, the issue remains unresolved, and my funds are still being withheld without sufficient action or communication. 

Background : XXXX. On XX/XX/XXXX, I deposited a third-party check for {$63000.00} into my Navy Federal business checking account ending in XXXX. 
XXXX. NFCU placed an extended hold on the funds and released {$220.00} per their Funds Availability Schedule. 
XXXX. I filed a complaint with the CFPB on XX/XX/XXXX, and Navy Federal responded that they had contacted the maker of the check to verify the payee and were awaiting a hold harmless letter to release the funds. 

Current Issue : As of today, XX/XX/XXXX, Navy Federal has not received the hold harmless letter, and the funds remain on hold. Despite my multiple attempts to follow up with Navy Federal, there has been no resolution or meaningful progress in this matter. The extended delay has caused financial hardship and has prevented me from accessing funds that rightfully belong to me. 

My Efforts to Resolve the Issue : 1. I have repeatedly contacted Navy Federals customer service department to request updates on the status of the hold harmless letter and the funds.

2. I have attempted to reach out to the maker of the check to confirm the letter was sent, but the process remains stalled.

3. I provided all necessary information to Navy Federal and have cooperated fully with their verification process.

Request for CFPB Assistance : I am requesting the CFPBs assistance in ensuring that Navy Federal : 1. Provides a clear and timely resolution to this matter.

2. Releases the funds or provides a valid explanation for the continued hold.

3. Takes appropriate steps to address the prolonged delay and lack of communication.

I have attached a copy of Navy Federals response to the initial complaint, as well as all relevant documentation, including deposit records, correspondence, and any updates from the check maker.

Thank you for your attention to this matter. I appreciate the CFPBs continued efforts to ensure accountability and fair treatment for consumers. Please feel free to contact me at ( XXXX ) XXXX or XXXX if additional information is needed. 

Sincerely, XXXX XXXX XXXX Owner, XXXX XXXX XXXX
Product: Checking or savings account

In XXXX XXXX. I received a {$150.00} offer to upgrade my HSBC choice checking account to HSBC advanced checking account. I upgraded my account on XX/XX/XXXX and met all the requirements, but I never received the credit. I have contacted HSBC twice recently, however they refuse pay the credit.

According to the terms, I need to 1. Upgrade your existing HSBC Choice Checking account to an HSBC advanced checking account from XX/XX/XXXX through and including XX/XX/XXXX. I upgraded my account on XX/XX/XXXX. 
2. Meet one of the Advanced Qualifying Criteria. Maintain combined U.S. personal deposit and/or eligible investment balances of at least {$10000.00} within 30 calendar days from the date of upgrade to Advance or at least {$5000.00} with a recurring direct deposit from a third party to your Advance checking at least once a month or any HSBC U.S. residential mortgage loan. On XX/XX/XXXX the combined balance of my checking and saving account reached over {$10000.00}.

3. Maintain the minimun Qualifying Criteria for 3 consecutive calendar months from the first full calendar month after account upgrade. Since XX/XX/XXXX, I kept my account balance over {$5000.00} with monthly direct deposit until XX/XX/XXXX, which include 3 consecutive months XXXX, XXXX. and XXXX. 

However, HSBC claims that the third criteria was not met because it requires XXXX to be included. Since I met the second requirement on XX/XX/XXXX, I didn't meet the third requirement. 

I can't accept their explanation. It is clearly stated that I have 30 days to meet the requirement, so " from the first full calendar month after account upgrade '' should imply XXXX, XXXX. and XXXX. Otherwise, no one will have the full 30 days window to meet the requirement. In my case, I only have from XXXX. For other people, if they upgrade on XXXX of the month, they will only have 15 days, it they upgrade on the XXXX of the month, there's only 10 days left. 

The terms of the offer is misleading and self-contradictory. I have met all the requirement and HSBC simply refuses to pay the credit, which is totally unacceptable. 

The offer confirmation and my checking, saving account activities has been attached for refernce.
Product: Checking or savings account

On XXXX a debit from a company named " XXXX XXXX XXXX '' charged my account twice in the amounts of {$120.00} and {$120.00}, then again on XXXX in the amount of {$150.00}. I called Direct Express ( Comerica Bank ) to advise that I did not authorize these charges, and it was probable that my XXXX  son had somehow gotten my debit card number as I take a prescribed XXXX XXXX, and he had broken into my house before and stolen my money, ID 's and bank cards. An inquiry was opened and eventually my funds were returned and a new debit card was issued, which I received a few days. As I was checking my account on XXXX, I noticed there was a new charge from " XXXX XXXX XXXX '' listed on my new debit account in the amount of {$250.00}. I immediately called Direct Express and disputed the charge, again. Again, an investigation was initiated. I have followed up nearly every day since, and have been told a variety of different things I had to do, including faxing a letter, then faxing a completed form sent to me, then told no, those weren't correct. Each time I called I was told something different. I was told I would have my money in late XXXX, then early XXXX, then late XXXX, Then by early XXXX and then that the investigation process was not complete. I have spoken to a 3 different people, including a supervisor who gave different " escalation case numbers '' Most recently, this past week, I was told that the refund was made. After many questions, it was discovered that the refund was put on the old debit card number and that I was told to destroy when I received the new number. In addition, when I called to activate the new debit card number, I was told that the old debit number and the attached account would now be closed, and the new debit card was attached to a new account. They don't know which way is up over there. I have requested that they do a transfer of the fund to my current account. I have not as yet received those funds in my open, current account. I am asking for your help in resolving this matter. I am not attaching any documentation at this time as they already have everything.
Product: Mortgage

My mortgage company ( Mid-Island Mortgage ) did not give me the 6 % allowed sellers concession by the FHA guidelines. They only gave me about 3.5 % even though it was agreed that the seller would allow up to the allowable 6 %. I been after them for over a month asking as to why and they would not give me a clear answer. I had to speak to the branche VP and he said something was wrong and he 'll look into. Had a conference call between myself, my attn. and XXXX XXXX ( branch VP ) he stated my cash to close was incorrect and was suppose to be XXXX dollars, when I paid XXXX dollars and said he 'll find out what happen as well as why I was n't allowed the 6 %. That was the last I heard from him. He has not returned my calls or emails for the pass 2 weeks. I had to come out of pocket last minute at closing to pay for the remaining closing fees, which I should n't have if they gave me the 6 %.
Product: Debt collection

On XX/XX/2022 I checked my XXXX  credit report and noticed that I had a past due loan from affirm that was sent to collections. I did not take this loan out. This was fraudulent activity. When I tried to log in to affirm, the account associated with my social security number did not reflect my phone number, email address, or physical address, but it used information associated with my ex-wife. I never received any notice of a debt accrued, nor did I receive information regarding my right to dispute the charges. I just caught the fraudulent activity today, XX/XX/2022 or else I never would have known about the debt.
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed in the XXXX XXXX XXXX reviewing my credit reports I have noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt however, the information has not been provided to me due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with
Product: Credit card

I started noticing charges to XXXX in another state. So I contacted customer service at cash app. Went through all charges. Got hung up on 4 different times called back and got different agent Everytime and had to start over Everytime. Finally got an email tan agent or I guess it was one we emailed 1 time never hurd from her again. Been dealing with this for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice inaccurate information reported by Experian regarding a Charge Off account Discovery FIN SVCS LLC # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$8700.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$8700.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows a Credit Limit {$7500.00} and a Charge Off/Close Account must show {$0.00}. 4. Delete this account, because it shows Payment History reported 45 charge-offs, 30 Days Late XX/XX/XXXX ; 60 Days Late XX/XX/XXXX ; 90 Days Late XX/XX/XXXX ; 120 Days Late XX/XX/XXXX ; and consecutively as NEGATIVE in XXXX ; in XXXX ; in XXXX ; XXXX XXXX ; A Charge Off/Close Account must show NO Payment history or consecutively as N - Negative reported on my credit report. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Checking or savings account

The he east coast DC, PA, NJ, NY, NC, TN, XXXX, SC, IN, and etc used my stm info to get money out of atms in the most of me not knowing in XXXX, FL. They are bad people I got to get my money back the bank said ask you for the money since wells fargo had my info leaked out all over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account Fed load Services removed from my credit report. XXXX, XXXX and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by XXXX and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However XXXX and XXXX rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party.

I did not give written permission to have the accounts added to my credit report.

I have also attached a recent copy of my FICO report to support and show inaccuracies.

This clearly violates my federally protected consumer rights
Product: Checking or savings account

I had a wells fargo account and I received an inheritance in XXXX and I kept getting strange calls about my new account. It was very suspicious. I think they ripped me off. Is there anything I can do about it? It was a long time ago. I read that they did a lot of illegal activities around that time, so I wondered about all those calls I was receiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I received a letter from Georgia Student Finance Authority. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding Georgia Student Finance Authority. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with XXXX. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted XXXX concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however XXXX refused to comply with the FCRA compliance. This action has affected me in a negative way
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to remove an inquiry due to credit fraud. XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

his letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately :
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX I opened an account with Robinhood Exchange. I started using my debit card to make deposits and purchase stocks and XXXX. On or about XX/XX/XXXX I attempted to transfer my XXXX, XXXX from the Robinhood Platform to the Robinhood Wallet, The transaction was denied and my account was restricted. Since that time I have been asked to send bank statements and conduct XXXX 3 times, I have been asked to place myself in the call queue, which I did numerous times and waited up to 3 days for a call back. 

The questions I was asked about what I wanted to do with my XXXX that was attempting to transfer to my wallet, were very personal. 

As of this writing on XX/XX/XXXX at XXXX EST I have {$52000.00} in assets on the platform. 

I have sent documentation and bank statements in their on 2 ocassions and emailed them on 3 occassions. I can not see any of the internal help activity, however I have copies of emails I responded to and my responses. There have been over XXXX in deposits from me into the Robinhood platform and one withdrawal of {$400.00} which I used to test the withdrawal speed, costs and process. 

I have not used the platform as a day trade, as I dont recall as of this writing of ever selling any XXXX  or stocks. 

Being a XXXX veteran on fixed income this is my life saving that I have invested as I believe in the XXXX movement and I understand the technology.
Product: Mortgage

My mortgage company raised my monthly payment based on incorrect information. I had changed home owners insurance company and i notified my mortgage company but they did not update the records. For the last four months they have been " looking into the problem '' and their only solution is for me to pay the new payment and stop calling and telling them to fix their error. They also are callling me from blocked numbers demanding that I pay any outstandng balances. Each time I tell them that they made an acounting error, they say they " will make a note for future information '' but that note seems to not make it to my file.
Product: Debt collection

PROFESSIONAL MED ADJ BUR is trying to collect a {$260.00} medical bill that was paid by my XXXX when I was pregnant. I have told them and given them my XXXX card # to no avail.
Product: Debt collection

CREDITOR-REPUBLIC FINANCE CONTINUES TO CALL MY PLACE OF WORK AFTER I HAVE INFORMED THEM THAT PERSONAL CALL ARE FORBIDDEN AT MY WORKPLACE.
Product: Credit card

Charge was made at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Kohls is stating that it will investigate but I still am responsible for that balance