23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had some interest to upgrade to Chase Sapphire Reserve from Chase Sapphire Preferred but not in any urgent fashion. As part of my inquiry I was informed that the Reserve does not provide anniversary boost points, like the Preferred, and that I should await my anniversary date to make the change so that I would secure these points which amounted to somewhere around XXXX. So I typically receive these points as a credit on my XXXX statement, though as they explained it, I would not have to wait till then to convert my card to Reserve, as long as it was done after my anniversary date, it would entitle me to the " Anniversary Boost Points '' regardless. I confirmed this on multiple calls to Chase as did my wife. Based on that advise, I called in once again to confirm and if that was in fact the case i would request the conversion. At time of conversion, the representative confirmed my Chase Sapphire Preferred card anniversary to be XX/XX/XXXX and this being XX/XX/XXXX, I was sure to receive the boost points and it should be posted on my XXXX statement. Unfortunately, as soon as I received my XXXX statement I noticed that no Anniversary Boost Points credit had been made, I called Chase immediately and spoke with Chase representative, XXXX XXXX on XX/XX/XXXX @ XXXX PST, he both confirmed my anniversary date and the conversion date and in conversation i suggested they review the calls but there would be no need as the facts are the facts, though I would appreciate a transcript of the calls if they were reviewed, multiple calls clearly detailing the advice given to us by Chase representatives, he said though the facts were clearly on my side, he would escalate and Chase would get back to me.

I received a letter from Chase today with an explanation that is neither related or true about any calls I had made in this regard. They basically said something to the effect that the points that were paid in XXXX of XXXX were not being removed and the call confirms that, this is an absolute disregard for the facts and any call that had been made. I believe this to be made up just to not honor WHAT IS CLEAR AS TO THE FACTS. In speaking with them today, XX/XX/XXXX I have now been told that their letter is final and no further action can be taken on this. I have been with Chase since the XXXXXXXX XXXX, I had no urgency to make that change, true review of the calls would absolutely prove that, as though the facts are not enough, they provided the advice and I acted on their expert advise, they are absolutely ignorant to their responsibilities if this is how they treat valued customers in good or great standing. Greatly appreciate your help.
Product: Mortgage

Fay Servicing LLC took over my 13 year old Mortgage in good standing in XX/XX/XXXX. My Loan has at all times remained current. I am in the 4th year of a 5 year payout Chapter-XXXX, the home is not part of the Chapter-XXXX, payments are not made through the Trustee, I pay them directly. Fay Claims I am at least 3 payments past due and has filed a Motion For Relief in NC court, where the home is located. I have furnished proof of all payments including bank statements going back to XXXX and canceled checks showing deposit in to Fay 's account. My bankruptcy Attorney is trying to sort this out, but Fay 's Attorney insists we are past due, even though he has been furnished proof of all payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


IDENTITY THEFT ACCOUNTS : XXXX XXXX XXXXXXXX # XXXX - IDENTITY THEFT XXXX XXXXXXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2021 Equifax 15 U.S.C 1681 section 602 A. 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 a 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a Dispute for those accounts that inaccurate and unknown on my credit report. But over 30 Days no response yet. I was a victim of the Equifax Data breach. Delete ASAP those accounts or I will file litigation.
Product: Mortgage

In XXXX of XXXX, I experienced a mXXXX XXXX XXXX and lost a great deal of our family income. I contacted my mortgage provider to see if they could offer assistance. They shown do interest of assisting me in any way until I contacted HUD, who referred me to an authoring counselor who contacted my mortgage provider. I was then contacted by my mortgage provider on XX/XX/XXXX to complete a loan modification application. For 3 months I called to check the status of my application, but was always told that the underwriter was working on it. On XX/XX/XXXX, I received a letter in the mail stating my application was denied. The letter didn't clearly explain why, so I called but unable to reach my Loan Preservation Specialist. I then filed an appeal, citing the lack of due diligence given to my application and the fact that I have only been in contact with my Loan Preservation Specialist once in 4 months. I only provided proof of additional family, which included my wife 's income and XXXX benefit income from my XXXX son that we care for. After call daily to speak with a representative, I received another mailed letter on XX/XX/XXXX denying my appeal. I then went to my local branch of mortgage company and spoke with some that I enter ask with often. After explaining my situation, I was told off the record that since I have a large amount of equity in my house, the bank would make more money off my house if they foreclosed. I have been in my home for 10 years and don't want to loss it. I XXXX for a XXXX XXXX year old that would be place in a grave position. I have the income to resume my mortgage payment, I just needs a way to regroup the arearage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00} EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX Inquiry Date XX/XX/ XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00} EQUIFAX XXXX Inquiry Date XX/XX/
Product: Mortgage

My father passed away in XX/XX/XXXX. I had been residing with him and after he passed, I continued to pay his mortgage until I became ill in XX/XX/XXXX, and fell behind on payments.I received a notice of sale in late XX/XX/XXXX. 
I contacted the lender to request assuming my father 's mortgage and was informed that I needed to complete Probate to acquire title to the property BEFORE being allowed to apply. In mid-XX/XX/XXXX, I was able to save enough money to hire an attorney to start the probate procedure. We received the earliest hearing date available, which is XX/XX/XXXX however, on XX/XX/XXXX, Shellpoint 's representative XXXX communicated to my attorney that they would not postpone the sale beyond XX/XX/XXXX unless they received a payment of 5 % of the total amount needed to payoff the loan and the Probate Letters of Administration ( giving me title ) to even CONSIDER an application to assume the loan. 
When my attorney expressed that obtaining the Letters of Administration before XX/XX/XXXX was a physical impossibility, XXXX replied that " you'll need to get creative '' to make that happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 602 A 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

My information was leaked several months ago, and I've had credit card applications submitted that are not from me. I've been working on my credit and have applied for credit-building programsnone of which involve any of these companies. I have submitted for this before, and it's affecting my credit significantly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citi Cards CBNA 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
Product: Payday loan, title loan, personal loan, or advance loan

Took out a loan on XX/XX/XXXX with XXXX XXXX XXXX XXXX in XXXX TX. The loan for {$7000.00} Was for treatments for XXXX. The total amount is due by XX/XX/XXXX. Payable to Momnt loans located at XXXX XXXX XXXX XXXX XXXX  GA XXXX. The loan itself was issued by XXXX XXXX. The primary company for XXXX XXXX XXXX XXXX is XXXX XXXX XXXX. 
After getting the first treatment of 12 promised I realized there isn't any medical staff at the clinic that's was located at XXXX XXXX XXXX XXXX Tx XXXX. However I went a few times for treatment then got suspicious of operations of XXXX XXXX XXXX. 
Then one day they just closed the clinic with no notice.On top of that the treatments were worthless. 
However now Momnt loans wants me to pay The {$7000.00} debt by XX/XX/XXXX, or I will then owe {$9200.00}, after that date. 
I'm not paying for this fraudulent company that did not deliver on anything they promised. 
Momnt loans is the services for XXXX XXXX  and both should be investigated for fraudulent practices. I can discuss further. XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies. My financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

On or About XX/XX/2018, after reviewing my credit score ( XXXX ) I contacted the XXXX XXXX company in XXXX, Wisconson about a new collection/chargeoff. After providing my personal information the agent stated that, I owed that debt and the only way to settle it would be pay it off. Being unemployed and XXXX I needed no more setbacks, I honestly wasn't sure of the many doctors visited which one it was ; I just didn't need my credit score dropping anymore. The amount the agent stated did not match the amount on my XXXX report and she said it was for another bill due to that same hospital?? so she added that on. I asked what I could pay and she said she would see if they would offer a settlement, she returned and said they offered a 20 % discount and that I would have to pay it all at one time, and this would be written as paid off on my report. So I agreed to pay it off in mid XX/XX/XXXX likely with tax return money. I later found out she misrepresented herself and gave false information regarding any arrangement/agreement or contract with this hospital to settle. I also believe she violated my rights to fair credit collecting practices and manipulated me into paying on a debt, without giving me any evidence that I owed. I had no contract with XXXX XXXX, beforehand and was coerced into that mid XX/XX/XXXX payment as the only option available. At a minimum If XXXX XXXX, is willing to accept a " settlement '' payment they should have provided me a written statement validating the debt, the original lendors willingness to settle and the outcome this would result on my credit report. Non of this was provided. I have never had a CREDIT CARD ( except secured ) and its these very same tactics that exploit our attempts to establish credibility and credit worthiness. My credit score has been adversely effected by these collecting practices and reporting. I went to XXXX to begin a dispute however on XX/XX/2018 after successfully logging in I was unable to select any fields or enter any statements. So I am left to begin a mail in process and hopefully have this resolved. Your assistance in this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I went to see about a vehicle though XXXX XXXX and I gave them permission to run my credit once. After a week I seen so many hard inquiries and I was calling and writing companys saying I didnt give you all permission to pull my credit. They said well XXXX XXXX said to pull it. I asked them if they could take this off since I didnt ask them to pull my credit and they stated yes. And I have looked and everything is still in there. In may I purchase a car through down XXXX and got approved from there company called XXXX XXXX XXXX There should be only that and XXXX on my hard inquiries and there is 20. Im being hurt by all this credit issues
Product: Credit card or prepaid card

I received a Navy Federal rewards card from NFCU back in 2021 I was using the card while I was staying at the XXXX XXXX XXXX by XXXX I received unauthorized charges on my credit card from the XXXX XXXX after I told them not to charge my credit card so I called my NFCU about the situation and has I was talking to customer service on the phone the hotel charged to again so the customer service representative was looking at my account and told me they was attempting to charge it again I said to her stop can you stop them she said no I said why not she said we can't stop authorization a said what do you mean she began to explain that they have a contract with the credit card processing companies such as XXXX  where as any authorized charges have to be paid no matter what and the merchant as up to 6 months to settle I said to her that's not right because the merchant can keep charging your credit card for what ever amount that will authorize on top of the if the merchant don't collect the funds right away then after 5 days the funds go right back on the credit card as available credit then the merchant can authorize it again and again after every 5 days then she yeah unfortunately we can do anything about it the only thing we can do is shut down that credit card and send you out another one then I said what about those charges she will you would have to pay them they Then I told her that wasn't right because your bank is in valuation of the truth in lending law 's because what you just told me is not anywhere on the contract I signed when I received the credit card she said no it is not that information is not provided no where on the contract then I said so how can you charge someone for these charges she said nothing. I think it's unfair and predator for this bank or any bank to do these types of practices and I don't think I should be liable for these charges. The card balance was {$5000.00} and I was charged over {$7000.00} in unauthorized charges due to this banking problem that violates the truth in-lending law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, Convergent Account Numbers XXXX, XXXX, XXXX has Violated my rights. 

15 USC 1681 Section 602 H states that I have a right to privacy.

15 USC 1681 Section 604 Section 2 It also states a consumer report agency can not furnish an account without my written instructions.
Product: Checking or savings account

Dear CFPB, I am writing to request that my previous complaint against Ally Bank be reopened in light of a recent article detailing a lawsuit filed by the CFPB against three major banks for failing to protect consumers from XXXX payment scam fraud. I believe Ally Bank should also be held liable for similar activity and refund my lost funds. 
Details of My Complaint : Victim of an Online Scam : I have been the victim of an online scam involving the fraudulent purchase of a XXXX XXXX XXXX through the website XXXX The sequence of events leading to this complaint is as follows : XXXX. Transaction Initiation : On or about XX/XX/year>, I entered into a transaction with an individual purporting to be a XXXX named XXXX XXXX, also known as XXXX XXXX. The transaction was confirmed through text messages and emails. The breeder provided contact information including phone number ( XXXX ) XXXX and email XXXX. 
2. Payment Details : The agreed price for the kitten was {$750.00}, with an additional {$70.00} for delivery, totaling {$820.00}. The payment was made via XXXX XXXX XXXX XXXX, using the email XXXX. The recipient 's name appeared correctly, and XXXX XXXX confirmed receipt of the payment. 
XXXX. Scam Realization : Following the payment, I received a call claiming the kitten was on hold due to an obligatory purchase of an Air-Conditioned Pet Travel Crate costing {$3400.00}. Realizing this was a scam tactic, I attempted to contact XXXX XXXX, who became unreachable. 
XXXX. Report to Ally Bank : I immediately reported the fraud to Ally Bank and requested to stop the {$820.00} XXXX transaction. The bank representative opened an investigation, asked me to file an internet fraud report with the FBI, and report the fraud with XXXX. The Ally dispute number is XXXX. 
XXXX. Lack of Action by Ally Bank : Despite my efforts and uploading all requested documents to Ally Banks messaging portal, the bank did nothing to stop the payment. On XX/XX/year>, I received a letter from Ally Bank, backdated to XX/XX/year>, stating that the transaction was authorized and without error. The letter also noted that the recipient had confirmed the transaction as authorized, which led to the denial of my refund. 
I have reason to believe that the bank representative failed to properly flag this matter as fraud or notify the bank 's fraud department to take necessary action against the scammer. 
Given the recent actions taken by the CFPB against other banks for failing to protect consumers from XXXX payment fraud, I request that the CFPB reevaluate my case against Ally Bank. It is essential for consumers to receive adequate protection and support from financial institutions, particularly in cases of evident fraud.
Product: Debt collection

On XX/XX/2020, XXXX XXXX XXXX, XXXX, Administrative Remedy Demand No. XXXX, Notice by Written Communication was mailed to alleged Debt Collector via United States Registered Mail # XXXX XXXX. in response to notices dated XX/XX/2020, XX/XX/2020, XX/XX/2020 requesting validation of any alleged debt and was not a request for a copy of any invoice, statement, bill, agreement, alleged agreement, contract, alleged contract, and the like, nor was it a request for a copy of any notification of assignment, negotiation/transfer of rights, nor was it a request for a copy of any other un-verified document/presentment referencing said alleged debt. The request for validation of any alleged debt is a request for bona fide verification of any alleged debt. 

In accordance with law, only duly sworn/ affirmed affidavits, oaths, and depositions qualify as a verification of the lawful existence of a bona fide debt. Absent such verification validating the alleged debt, and absent proof of a claim greater than that of Secured Party alleged Debt Collector " fails to state a claim upon which relief can be granted ''. Wherefore, in accordance with the Fair Debt Collection Practices Act, effective immediately upon alleged Debt Collector 's receipt of the " Notice by Written Communication, alleged Debt Collector must cease all collection/prosecution efforts against alleged debtor, Secured Party, and Secured Party 's secured private property.
Product: Prepaid card

On XX/XX/2022 I emailed all the requested documents to chime at XXXX and I received a email reply stating that my remaining balance would be sent in the mail.It has now been a XXXX XXXX XXXX XXXX  and I havent gotten anything from chime. I had {$23000.00} in my account and at the time of sending the requested documents my account had been suspended for XXXX years.
Product: Debt collection

XXXX should refund of {$370.00} due from an overpayment by me on their XXXX credit card. Instead, the XXXX  credit card indicates a billing error showing charges in excess of {$2500.00} that I did not approve. In addition, XXXX erroneous reporting to credit bureaus has resulted in very negative credit scores. 

In XX/XX/XXXX I paid for 2 roundtrip airline tickets to XXXX charging the amount on the XXXX XXXX card. The amount was paid in full within 30 days, resulting in a XXXX balance. Upon return from the trip, new charges appeared on the XXXX card that I disputed. I cancelled the card having made no charges except for the initial roundtrip airline ticket. In XX/XX/XXXX I overpaid {$370.00} to a charge on the statement billed by XXXX that was in error. To date I have not received this refund. 

A XXXX Letter, dated XX/XX/XXXX in reference to my XXXX credit card account, stated the credit card dispute is resolved and I am credited {$85.00}. That credit never appeared. Instead of refunding the XXXX overpayment, I have been billed by XXXX with unauthorized credit card charges resulting in {$2500.00}. In addition, XXXX has also reported a default in payments to the 3 major credit bureaus. 

The only charges authorized are as follows : On XX/XX/XXXX I booked 2 roundtrip adult tickets to XXXX. 
Depart XX/XX/XXXX- Arrive XX/XX/XXXX with seats reserved XXXX/XXXX XXXX : Ticket Record XXXX  XXXX XXXX , FL XXXX , XXXX ; XXXX , XXXX XXXX , FL {$1500.00} x2 - {$100.00} for promo using XXXX XXXX Credit Card XXXX XXXX Credit Card- Paid XX/XX/XXXX {$3000.00} Balance : - XXXX XX/XX/XXXX overpayment {$370.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on my report that are not mine. Victim of ID Theft TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX