23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Formal Complaint Against Chase Card Services for Unjust Credit Limit Reductions To Whom It May Concern, I am writing to file a formal complaint against Chase Card Services for unfair and unjust practices related to the reduction of my credit card limit on account number XXXX. 
I have been a customer in good standing with Chase for over 5 years and have consistently met my payment obligations in a timely manner. Despite my long-standing positive history, my credit limit has been reduced twice within a short period, without prior notice or reasonable explanation. These actions have had serious, real-world consequences, including a significant negative impact on my credit score, a higher credit utilization ratio, and a tangible hindrance to my financial flexibility.

Specific Consequences : 1. Decrease in Credit Score : The credit limit reductions have led to a significant drop in my credit score due to a higher credit utilization ratio.

2. Ineligibility for Mortgage : These changes have rendered me ineligible for a mortgage, forcing my husband to secure the mortgage alone at a higher interest rate, complete with Private Mortgage Insurance ( PMI ). This is despite a combined annual income of {$270000.00} and a clean record of never having been sent to collections. 

I have contacted Chase Card Services multiple times to inquire about these abrupt changes and to request a reinstatement of my previous credit limit, but have not received a satisfactory resolution. If necessary, I am willing to escalate this issue to arbitration, a process I understand to be costly for the credit card company as well. 

Under these circumstances, I strongly believe that Chase 's actions violate the terms of fair credit and consumer protection. I kindly request the CFPB to investigate this issue and to take appropriate action to correct these unfair practices. 

Thank you for your time and attention to this serious matter. I am willing to provide further information or documentation upon request. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

( Dates and amounts below ) Zelle 's handling of disputes has been deeply concerning, especially in light of the recent CFPB lawsuit highlighting systemic issues. Despite using Zelle frequently and reporting transaction discrepancies, neither my financial institution nor Zelle conducted a thorough investigation into my claims. Instead, I was told that recovering lost funds was impossible and that tracking these transactions was unfeasible. 

The CFPB 's findings confirm that Zelle has failed to protect consumers, enabling repeat offenders to exploit the system. This negligence leaves users like me vulnerable to scams and financial loss. Addressing these issues is crucial to restoring trust in the platform. 

Money Sent from account ending in XXXX Date : XX/XX/23 Amount : {$130.00} Transaction ID : XXXX Cancelled service/ agreed to refund never refunded Date : XX/XX/23 Amount : {$180.00} Transaction ID : XXXX Cancelled service/ agreed to refund never refunded Date : XX/XX/23 Amount : {$430.00} XXXX Date : XX/XX/23 Amount : {$280.00} Transaction : XXXX Unable to render service, agreed to refund never refunded Date : XX/XX/23 Amount : XXXX Transaction : XXXX Agreed to refund, never refunded
Product: Debt collection

I am being billed for a debt to XXXX XXXX that I do not owe. XXXX, XXXX XXXX XXXX  office out of XXXX in XXXX XXXX and my insurance company have been going back and forth since before XXXX. Now, XXXX has reported me to the Creditors Bureau USA. I feel that this is a form of harassment on behalf of XXXX and the Credit Bureau. XXXX is trying to " Ballance Bill '' me despite the contract that they have with my insurance company. When I called to tell the Creditors Bureau USA that they are trying to collect a debt I do not owe, they initially refused to give me contact information for Quest or to acknowledge there was an error. ( Thanks XXXX working the last shift in XX/XX/21 ). XXXX, a supervisor, finally agreed to give me information. They refused a three way call between my insurance company and themselves where the EOB was explained.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$780.00} XXXX XXXX Balance : {$3900.00}
Product: Bank account or service

Bank of America made an inaccurate assumption regarding one bank item on my account. Without allowing me to rectify the situation or even allowing me due process they reported me to XXXX and has refused to accept payment on to clear up the overdraft three times. I attempted to pay for this item THREE times in person at a bank branch and each time I was made to wait for at least XXXX minutes to an hour while the branch person called people at different offices and each time the payment was refused. worst of all I was told that even with the payment they refuse to reopen my account. This was the only time I had a problem with the account. In addition the last time I arrived with cash to a branch to pay for the item, they added {$59.00} dollars for a service that they did not, nor could they provide a specific explanation as to service they had provided, they just knew that I owed it and it was in the system. Furthermore I was severely criticized by a number of B of A employees for taking such a long time to clear up the matter. And they continued to refuse to accept a cash payment from me or sell me a cashiers check for the cash to clear up the matter. 
The Desired resolutions is I that I humbly ask for Bank of America to forgive my error accept my payment for the bad item and reopen my account. More important I humbly request that they remove the inaccurate report about my account to XXXX. I did make an error in filling out a check but I was in no way intentionally attempting to commit fraud. I stated this numerous times and I attempted to take care of this initially when I discovered that I made a mistake on my entry and the check that I provided. Unfortunately B of A refuses to accept my explanation or my money. It seems they just want to ruin my financial life. The information they are reporting is so inaccurate and so far from my character that I wo n't repeat what they are saying.
Product: Checking or savings account

On XX/XX/year>, I deposited a check that was written to the order of my moms name. I went ahead and deposited because she did not have a bank account at that moment to deposit it in to. The check was out on hold for XXXX weeks and on the XXXXXXXX XXXX XXXXXXXX, Chase let me know that my accounts were frozen. I called that same morning to see what the issue was and they said it was that they needed verification from my mom. I let them know would call later in the day and I did as such. Later that day I called and they let me know that they instead needed verification from the check issuer instead. I gave them the information for the issuer and they claimed it could not be verified. I asked if we could go in person to verify. They said no. I tried to see what the issue was and got another phone number from the issuer to try and called back. This time they claimed they only needed my moms number. I gave them her number and they said it did not come back registered to her name. Since my dad is the authorized person for our phone lines his name came up. I changed that and called again and this time they claimed again they needed the issuers number. I provided the numbers and to no avail they still did not verify. I tried a week later and they were able to verify my mom but not the issuer claiming they are not on a public data base. My issue is why would they not just call the bank institution of the issuer and verify with them or through them for a phone number. It has been a month now and to no avail. The issuer has gone to their own bank and nothing shows up as a issue. Meaning Chase is withholding the money even though the payee was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Transunion via mail and phone and online for the last 3 months about unauthorized inquiries. At one point they were removed and put back on and I was not notified within 5 days of that happening. The last time I called the guy said nothing could be done for inquiries over 6 months old, I told him these inquiries are shy of it by days. He would not put in dispute again.     I notified him that these items reappeared after the company BREACH and he said that they were not looking at items dated over 6 months.
Product: Credit card

I have received a letter in response to a previous complaint however, Target does not want to be responsible in removing late fees that amount to {$350.00}.

the amount is not owed to them. how is it that they can charge late fees over late fees??


Target states that the account is already charged off but still has me owing {$350.00} and I want the amount to disappear completely from account. Target does not want to take responsibility for their shady practices and stacking of late fees. Please assist me in getting Target to take back their late fees.
Product: Credit reporting or other personal consumer reports

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$840.00} XXXX XXXX  XX/XX/XXXX {$4900.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX  {$250.00} XX/XX/XXXX = Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

My American Express credit card provides a feature to extend warranty of a product by 1 year in addition to the original manufacturer warranty. I had bought an XXXX XXXX in XXXX of last year via this credit card from XXXX XXXX and all of a sudden the product stopped working couple weeks ago. I called American Express and filed a claim and was told that they will send me an email if they need anything else. I called again after 3 days of filing the claim but the person said I can not provide you the status and I will receive an email in couple days. I then receive an email stating that this feature is not available on my card. This is totally inaccurate/false as I have used the same feature before on exactly the same card and even there website provide this feature description after I logon to my account on their website. It is totally unfair and bait and switch practice that is just hard to accept. I am providing the key details below : Amex Claim # XXXX XXXX XXXX Charge Amount : {$270.00} Date : XX/XX/2020 Product : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns. 


XXXX Credit Card XXXX XXXX limit Late Payments on Experian XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX not showing account* discrepancies Discrepancy with reporting XX/XX/XXXX and XX/XX/XXXX No missed payment Cares Act of XXXX discrepancy
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed these items as errors and they all came back as valid or not enough information submitted. Specifically XXXX XXXX # XXXX is charged off and is on my credit report. XXXX XXXX # XXXX is the collection company it was sold too and they as well are reporting the same account on my credit report, against federal laws. XXXX XXXX XXXX are garnishing my wages for this same care credit account, but no updates of payments are reflective on my credit report. Also XXXX XXXX/ XXXX # XXXX ( charge off ) and XXXX XXXX XXXX ( collection agency ) are reporting the same account on my credit report too. Account # for XXXX XXXX XXXX are all different from n my reports but same account : XXXX # XXXX, Experian # XXXX and XXXX # is 2003 but all are the same account being reported..
Product: Checking or savings account

Last week on Monday, XX/XX/XXXX I contacted Bank of America because they threatened to debit my checking account ending in XXXX to take back some credits that I was due. I told them that was not right. They said they needed a letter from my Debt Consolidation Company showing that XXXX XXXX was in Debt Consolidation fromXX/XX/XXXX. I faxed that information to them. I also faxed a copy of the letter I did to XXXX XXXX back in XX/XX/XXXX informing them they were going into Debt Consolidation and not to take any more funds out of my account. 
Well, I am a senior citizen and I had very little money in my account. I had an insurance payment due. I needed money for food and gas. Bank of America ignored everything and took out over {$150.00} that they were Not supposed to after receiving my appeal letter that I faxed along with proof. This put my checking account into the negative. I called them very upset. They said there was nothing they could do. I told they I would report them for this. It is illegal.I am going to attach all the documents concerning this. I again faxed for a second time Bank of America today all of these documents again.
Product: Credit card or prepaid card

i did a credit report and found 2 accounts in my name ( chase card ) ( XXXX XXXX ) and immediately reported it for fraud i was told they would investigate it and get back to me this was in XX/XX/2018, i never heard back so i called again, during this process i discovered that my estranged brother XXXX XXXX admited it was him using the card in my name. so we both got on the phone in a conference call explaining the situation he accepted responsibilty for the fraud. chase told me they would do investigation and contact me back, in the conference call my brother XXXX XXXX took responsibilty of the charges so chase said they would contact me back, so 2.5 months go by i never here anything on the investigation i call back to find out the status chase told me they will re open the account and then send a transfer of liabilty form for both of us to sign this was on XX/XX/2018 2.5 weeks later i called to find out where the forms where to sign and nobody i spoke with knew what i was asking i was transferred around for over a hour speaking to several people and finally i spoke to a XXXX employee id # XXXX at chase he said the last person that told me they would allow transfer of liability was incorrect in her statement to me i asked for her info or employe id # XXXX told me he couldn't give out this info without a subpoena, so on XX/XX/XXXX XXXX again told me i had to contact another department called the lending department at XXXX i spoke to a receptionist and said i would have to leave a messge for someone to call me back within 24 hours as of today nobody has called me back XXXX-18. i have been constantly mis lead by chase time after time. i dont think they have people or staff that want to help or know how to help me, i am so frustrated they make statements but nobody follows up on them or does anything and now my credit rating is getting hurt because nobody can help with incorrect information. 

i have filed a complaint with XXXX XXXX and my local police department police department report number XXXX XXXX police dept XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX officer XXXX XXXX XXXX dispute # XXXX i want to file a complaint against chase not wanting to resolve or do anything affecting my account XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX
Product: Payday loan, title loan, or personal loan

I called in to One Main on XX/XX/15 to make a payment. I was not informed that a payment was being withdrawn at that moment. This resulted in a double payment, which is NOT something that I wanted. Only one payment should have been withdrawn which was XXXX. Both payments have posted. The company states that they have a process that takes time for me to be refunded. I sent over the XXXX Statement and real time transaction history over 3 times to One Mains XXXX, GA branch and the executive office. They are asking for XXXX 's statement, but they know that it hasn't printed off yet. The transaction history should suffice in addition to XXXX 's statement. One hand doesn't know what the other hand is doing and I am tired of it. They pulled the money out of my account twice without an issue, therefore I should be refunded asap without an issue. I am not pleased with their response, lack of communication, and their attitude with this situation at all.
Product: Mortgage

My family and I have been in the process of closing on our new house since the original date of XX/XX/2021. We began the mortgage process back in XXXX on the XXXX. Our loan officer at Bank of America, XXXX XXXX, has been stalling and/or unresponsive for most of this process. He will respond hours to even a few days later and never give all information slowing the process. 
For the past 3 weeks they have been telling us that they needs verification of my employment, however ; after 6 different attempts and steadily stalling it still had not been completed. We have accumulated over {$1000.00} in hotel cost, over {$200.00} in storage fees for our household items, and all he does is laugh at our experience. We have a XXXX year old daughter and dog, we should be in our house, not a hotel room. After all the stalling and lack of communication, we are looking to loose our house over this. Can you please call us once you have received this complaint at XXXX. Thanks
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX - permissible purpose of consumer report, Th LAW CLEARLY STATES : ( a ) IN GENERAL + Subject to subsection ( c ), any consumer reporting agency may furn a consumer report under the following circumstances and no othe ( XXXX ) In accordance with the written instructions of the consumer t whom it relates. 
Did I give you written instructions to furnish this account on my cre report? 
Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ( a ) ( XXXX from a consumer credit report clearly states : ( a ) XXXX- Except as provided in paragraph ( XXXX ), XXXX " consumer report '' does not include- + ( A ) Subject to subsection XXXX of this title any- XXXX ( i ) Reports containing information solely as a transactio... 
experiences between the consumer and the person making the repcRts
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed XXXX {$1800.00} XXXX  XXXX Balance Owed : {$970.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3900.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} Chapter XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

open date on my credit report XX/XX/2018 Last reported : XX/XX/2018 {$300.00} reported as fraud on my credit report
Product: Mortgage

In the month of XXXX, I requested a forbearance of my mortgage payments due to increased expenses during COVID19. I was told that when I was ready to start my payments again, I could either pay the missed payments in one lump-sum, spread the missed payments over the life of the loan, or move the missed payments to the end of the loan. Additionally, I was advised that there would be no negative repercussions to any of the above options. 

Since then, my wife and I have found a new home that we would like to buy. I was advised that I needed to take my account out of forbearance in order to get a new loan. I made this request last week. 

As of today that process is nearly complete. However, what I have now been told is that I need to make 3 months of payments in order to qualify for a new loan. This was NEVER shared with me at any point of the forbearance process, nor was it shared with me prior to making the decision to move the payments to the back of the loan ( after the fact, I was told that had I made the back payments, as opposed to moving to the end of the loan, Wells would have written the new mortgage right away ). I am told that this is not a Wells Fargo rule, it is a XXXX  rule. 

I spent several hours on the phone with them this morning trying to unwind the movement of the payments to the end of the loan and make it so I can pay the back payments in a lump-sum in order to get a loan. 

The only response that I have gotten so far is that it is not likely to do that and I will have to wait to get the new mortgage, which will cause us to lose the earnest check as well as the ability to buy this property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted XXXX requests to Transunion to remove XXXX fraudulent accounts through XXXX that were obtained in my name using my personal information, I've submitted a police report and a notarized Identity theft affidavit along with a request to validate how they are verifying these accounts and they have failed to send me proof or acknowledge my requests. This is the XXXX request to remove these fraudulent accounts from my credit report.