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

I have 3 credit cards with Chase. I've never had a late payment or even run a balance. My credit score is XXXX. No criminal record. They have been advertising to me for many months asking me to open checking and savings accounts. So I gave in and did. I switched my direct deposit to the checking account and deposited more than $ 15k into the savings account. I did this because it is the minimum balance to receive the account opening bonus of {$600.00}. 

Suddenly I can't log in to my online account because it is locked. No email, no text, no call, no snail mail. I called multiple times and after getting through they informed Chase has closed my account. No reason. I looked up the reasons they often close accounts  and none apply to me. The deposit came from XXXX XXXX is 100 % legitimate. I moved a couple of weeks ago and the person said maybe they weren't able to verify my address. But I'm signed up for paperless so why would expect mail from them? In addition, I have USPS forward my mail so I could not possibly have missed it. I offered to send my lease agreement or provide other proof of residency and they said no. 

I pointed out that if something fishy was going on and they wanted to stop the relationship they would have canceled my credit cards as well. They said the checking/savings are separate. If that's true then they shouldn't have locked me out of my online account. 

Also, how am I supposed to pay my credit card bill and manage those accounts if I'm locked out? 

They escalated it to the executive office who finally offered to initiate an investigation only after I said I would go public with my complaint. I asked them to email me to confirm the investigation and they refused. They said they do not communicate by email. How does the office of the CEO of a huge bank not have an email account? 

I asked if they can confirm a timeline for the investigation and they refused. They finally gave me a phone #, email, and case number ( below ) to check-in. 

This behavior is abusive and frankly should be illegal. They have XXXX of my money and I have no idea if I'll ever see it again. They said the procedure is to mail me a check within 7-10 days. But they failed to communicate and have been totally dishonest so how to do I know they will follow through? 

I understand mistakes happen but this was completely exploitative and abusive to a loyal customer. Please help me fix this. I want them to open an account with my XXXX and give me the {$600.00} opening bonus they promised. 

XXXX XXXX XXXX Can't give you specific time. Within next couple hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian about an account dispute. Today i received a message from Experian stating an account dispute had been opened. I logged into my account to review this information because i did not dispute any account this day. Experian would not tell me where this account originated from. All they could tell me was it was Medical. I dont owe any because any Medical treatment i ever recd is approved by my insurer to be paid in full. I had previously disputed this account several months ago and Experian removed the account since they did not verify the account within 30 days. Now this same account was able to open a dispute then put the account back on my credit report for this absurd amount. Experian could not tell me information how this investigation was done despite the email stating i could request investigation information ( see attached ). Heck they couldn't tell me anything. Please help me because this is wrong. Im sick of these scams taken advantage of people. 
Amount is {$1900.00}. 
Company is XXXX This amount is Nowhere to be found in any past billing for any facility! 
It's pretty sad that Experian, the credit keeper just allows this activity without proof. They said the collection co sent an affidavit and that was good enough for them. i asked Experian to please forward that to me and they told me No they didn't have to. 
This is pathetic how we are treated. 
And i just want to add how unreasonable and abusive Experian was to me on the phone. " I was told, " You can call us so why don't you call them '' really Experian! Why on earth would i call a scammer who just wants to scam me more. Her name was XXXX and the man i spoke with prior was worse. He basically told me to be quiet and let him finish talking. Uhm, if i need to interject regarding my personal credit report i will. He would not allow me to speak with a manager when i asked for management. Just unbelievable all around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries Chase card Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Chase card Inquiry from XX/XX/XXXXLate payments XXXX XXXX onXX/XX/XXXX. & XX/XX/XXXX I'm always on time with my payments and if an error has occurred, I make sure to give them a call and correct the situation. That has only happen once but XXXX XXXX corrected that error. Although, XXXX XXXX on my credit report it states I've given two late payments & that effects my credit history.
Product: Checking or savings account

Wells Fargo bank claims that My checking and savings account was closed in XX/XX/XXXX by them, but I closed my account. Now theyre trying to accuse me of owing them over {$400.00} in overdraft! From three years ago! Theyre also telling me that they charged my account off and they closed my account and thats not true. I tried to tell them that my identity was stolen in XXXX and again recently, but I was able to retrieve everything. This could be another indication of that but see Wells Fargo just wants their money so theyre not doing what Ive requested. Ive put in several Complaints and to have them investigate and they wont do anything, but keep sending me a bill for money. They think I owe them which I dont and I will never pay it by the way.
Product: Checking or savings account

On XX/XX/2020 I used my Checking account debit card to purchase airline tickets through XXXX. The flight was scheduled for XX/XX/2020 ; flying from XXXX XXXX, XXXX to XXXX XXXX, Texas. As a result of the Corona Virus pandemic the scheduled airline ( XXXX ) announced that they were no longer flying Internationally in late XX/XX/2020. We immediately notified USAA of the circumstances and asked that USAA charge back XXXX for the {$650.00} USD that was charged to the debit card. USAA responded that we had not disputed the charge within 30 days of the transaction and had closed the dispute as a result. We contacted USAA on XX/XX/2020 and explained that the charge was for airline tickets and that it seemed appropriate to extend the time limit as tickets are often purchased in advance of travel. A USAA supervisor agreed and said that the dispute would be " re-opened '' and we would hear from USAA within 10 days. On XX/XX/2020 we called USAA again and asked for a status of the dispute. USAA said that nothing had been done on the dispute but the " dispute resolution team '' would contact us within 2 business days. On XX/XX/2020 we again contacted USAA as we had not been contacted and were told that this dispute had been closed on XX/XX/2020. We were told that " nothing could be done '' because it had been more that 120 days from the transaction. We explained that we had had every intention of using the tickets until the airline cancelled the flight in XX/XX/2020 when we first contacted USAA in this regard and had contacted USAA immediately once the cancellation was announced. 
We also contacted XXXX and asked for a refund. They stated that we had to wait until 14 days before the flight to verify that the flight was cancelled. We contacted XXXX 14 days before the scheduled flight and requested a refund per US Department of Transportation regulations for flights originating or terminating in the US. Their response was " we are not offering refunds for cancelled flights ''.
Product: Credit card

Citi bank has caused me a great deal off wasted time and money. I have attempted in good faith to make multiple payments to Citi with my credit union checking accounts. In times past ( XXXX ) the account information worked perfectly fine. Recently, when attempting to make payments my payments were returned. I use the exact same payment information for every credit card payment that i make with all financial institutions ( XXXX, XXXX, XXXX ) and these other financial institutions have no problem making my payment with these checking account numbers. Because of issues with citis payment processing i have been charged fees ( returned check fees ) which are undue because the issue was not with me but with Citi 's payment processing system. I contacted my bank who advised that paying with the account information that i provided is the correct way and would be processed by the banks. I have attempted to correct the problem with a customer service representative in XXXX. They had me use the account number at the bottom of my check book which they were n't able to process. I can prove there was money in the accounts at the time every payment was attempted as well as show proof that other financial institutions have, and continue to accept payments from the checking account information that i have used in times past. I personally believe that there was a technology change, programming change, or code change that occurred at citi with their payment processing systems which has caused payments like mine to be returned now when they were accepted prior. I was never informed that there was a system change which would require me to change the way I made payments with Citi. I believe this is a broader issue impacting other customers as well so someone needs to speak with the head of payments processing/technology and research what changed and why it changed. I am a compliance manager for a competing bank within their small business credit card division and fully understand how small program or system changes can impact a customer segment.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Subject : Removal of Unauthorized Inquiry Pursuant to 18 USC 1028A Dear TransUnion , I am writing to formally dispute and request the removal of an unauthorized inquiry from my credit report as listed by TransUnion XXXX XXXX XXXX This inquiry appears to be in violation of 18 USC 1028A, which pertains to identity theft and related offenses. 

Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX Phone : XXXX Email : XXXX Inquiry Information : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Explanation of Dispute : Upon reviewing my credit report, I discovered an inquiry listed from the above-mentioned company on the specified date. However, I did not authorize this inquiry, nor do I have any affiliation with the company in question. This unauthorized inquiry raises serious concerns regarding potential identity theft, which is a violation of federal law under 18 USC 1028A. 

As a consumer protected by federal law, I request that TransUnion XXXX XXXX conduct a thorough investigation into this matter and promptly remove the unauthorized inquiry from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take all necessary steps to ensure the protection of my personal information and credit profile. 

Enclosed with this letter are copies of documents supporting my claim, including but not limited to proof of identity and any additional evidence relevant to this matter. 

Please provide me with written confirmation once the investigation is complete and the unauthorized inquiry has been removed from my credit report. 

Thank you for your prompt attention to this matter. Should you require any further information, please do not hesitate to contact me at the above-listed address, email, or phone number. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : # XXXX  XXXX, Account name : # XXXX XXXX XXXX. Account name : # XXXX XXXX XXXX. Asked for debt validation collection accounts not response. 
This has violated my rights. 
XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft/fraud. I lost my bank card while on vacation in XXXX. I received a notice from XXXX  XXXX XXXX, stating my account was overdrawn. I went in branch to investigate, and was advised there were fraudulent checks going through my account and XXXX was returned for forging signature. The account was closed and my cards shutdown. Even though they know my card was stolen, I was forced to pay the overdrawn amount which was {$9700.00}. Now, on my XXXX and Chex systems credit file and report, its showing that I was committing checking account fraud. I contacted XXXX XXXX XXXX and ask that they update my account internally and with the credit/consumer reporting agencies. I was told I have to contact them personally. i have written multiple letters to Chex Systems and XXXX, providing proof that i did non of the transactions and I have no knowledge of if, I lost my card and this has been the pending result, they either send me back to XXXX XXXX  XXXX or say the information is correct. either way I keep getting the runaround. I asked for details example the name of the person they spoke to while investigating, proof bearing my wet ink signature or any documents and up to this day, they have not provided me with anything. Under the FRCA I asked them to remove all unverified, derogatory information from my report being they can not provide any documented or verifiable proof, they have not done that either. Due to the derogatory, unverified information XXXX bank who was my main bank for over XXXX  years immediately closed all my accounts and ended all relations with me. Same thing happened with other banks I had accounts with. This derogatory information has been a huge burden on me and huge inconvenience with financial institutions. I was denied opening a new bank account because of this. I did everything they asked even paid the balance, I wrote, called, plead n  begged. I'm at my last resort now, I'm tired of the back and fourth honestly. I feel like I have been getting computer generated replies, because its the same thing over and over. I'm kindly asking you to step in and help please. 
Any proof or additional information you need please don't hesitate to ask I'm a hard working honest young man, no arrest or criminal history. 
Thanks in advance XXXX Institutions are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX chex systemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I requested by phone that Mountain Run Solutions provide me proof of debt to support the derogatory collection they placed on my XXXX credit report. 

I filed a complaint with the XXXX XXXX disputing the debt and asked once again for proof, On XX/XX/2021 they once again refused to provide this information to me saying it was my responsibility to obtain it. 

Under Federal law they are required to send me proof of a debt and they failed to do so.
Product: Payday loan, title loan, or personal loan

I have made many calls to PenFed to try and get a debt consolidation loan with them. They are having a problem getting my XXXX  Credit Report to return, I have spent countless hours dealing with PenFed and them telling me its going to be another 24-48 hours. My call today XX/XX/XXXX I spoke to a supervisor in customer service that was worthless. The rep got an attitude with me when I told her to cancel the application, PenFed just keeps pointing fingers. PenFed was not able to obtain a copy of my credit report HOWEVER, there is an inquiry listed on my credit file. I have requested PenFed remove this from the report as they were NOT able to view the report so they shouldn't have an inquiry listed. This has been the worst time I have ever had with this credit union. I have had prior loans with them and they all went through seamless. Loan Application # XXXX, and it has been pending since XX/XX/19.
Product: Checking or savings account

I am writing to file a complaint against Nacy Federal Credit Union in regards to multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This aligns with the recent CFPB findings against Navy Federal Credit Union 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, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX ... CAPITAL ONE BANK USA XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2019 I went check my credit report as I do monthly. I found 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft.
Product: Mortgage

I am a senior that has come across a lot of fraud and it has left me in an horrible situation. After the passing of my husband,  XXXX / XXXX / XXXX , I started to look for ways for ways to lower my mortgage. I was listening to the inspirational radio station and heard that the  XXXX   XXXX   XXXX  could help me lower my mortgage payments. The Law office of  XXXX   XXXX  charged me {$3400.00} advised me to fall behind on my mortgage payments to get a principle reduction because my husband passed.   I was denied assistance because my income was listed way too high on my forms that I never received a copy of. I then went to  XXXX  of  XXXX  and was assisted with correcting my income on an appeal that I won.    Ditech offered me a HAMP modification and I took this agreement over the Hardest Hit Funds because of the lower interest rate they were offering i n the trial plan. When I revcieved my permanent modifcation documents, I saw the very unfair terms. They started my prinicple balance back to when I first purchased it and extended my loan out to 33 years when I originally only had 8 years left. I also have a {$41000.00} balloon payment. The modification documents did not provide a separate disclosure for the balloon payment, I did not even know it was there until a hous ing counselor told me about it for the complaint. The permanent documents   did not require a notary and I put a (? ) after my signature because I was not sure what I was signing.   I called Consumer Affairs as the paperwork stated and was referred to  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  IL  XXXX . I told Consumer Affairs I was already working with   XXXX   XXXX   but they insisted I use   XXXX   XXXX   instead. I initially met with Pastor  XXXX  and he assured me that he can negotiate the terms of my modification and explained that I HAD to sign the permanent modification. I never heard from him again. I complained to the church and a  XXXX   XXXX  explained that it was my responsibilty to make sur e Ditech had their authorization. I called Ditech and they did have the authorization to speak with them on  file. I then never heard from  XXXX   XXXX  again.   I am senior that purchased my home with my husband for {$95000.00} in  XXXX . I can not believe that Ditech has prosed this modification that will end with my family being in foreclosure. I have reached out for help numerous times, but have just been taken advantage of and provided with false information. Before I seeked help, I was never late with a payment for 23 years straight. I know that I refinanced with a predatory lender  XXXX . I was then transferred from  XXXX   XXXX   XXXX  and now  XXXX . I could not afford a lawyer to help me with these documents and I feel like I am losing my house with all my years of hardwork.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX  someone opened a loan with XXXX XXXX  and also on XX/XX/XXXX  someone opened a loan with a possible finance both loans are a result of identity theft please remove