23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was offered a credit card product that would serve as an overdraft protection option for my checking account. The program was offered at an introductory rate of 2.9 % and after the initial 6 month period would increase to the typical rate of 12.24 %. Instead of increasing to 12.24 % it went to 19.49 %. To summarize the impact what I ended up being charged was {$2200.00} in interest vs. {$1500.00}. So at the end of the day I 'm legitimately liable for the {$1500.00} and this is what I agreed to pay Chase. What makes this scenario worse is that I did n't realize they were only taking out the monthly minimum when I had more than enough cash in the account to cover the full balance. While it 's my fault for not noticing this fact earlier I could have paid far less than the {$1500.00}. I have since paid of all the principal balance on the account plus the {$1500.00} in interest. I have asked Chase on numerous occasions to credit my account for the remaining balance as a gesture of good will and to bring the overall annualized interest down to a reasonable 12.24 %. Even though I have filed a formal dispute with Chase they are now dinging my credit report. Despite my 20+ year history with Chase as a " valued '' customer the insist they are unable to credit my account for the overcharged interest. I will soon be closing my accounts with Chase in exchange for a local bank who truly values their customers.
Product: Checking or savings account

A company I've never heard of attempted to get XXXX out of my account I had no idea until I called to check my balance that one number that every one of those people told me to call directs me right back to fraud line, I go into BOA and try to explain my ID and phone were in the same phone cover when lost, all they kept saying over and over again, ,you need to go to XXXX and get another ID, well you have my money held XXXX and taking your XXXX dollar fee out while I have no access to it so until I get access to cash I can't pay for a ID, the company that tried to get my money we're denied but still locked my account for something I had nothing to do with so the only people taking my money is BOA, I have a very Aggressive stalker that has assaulted me, destroyed my property and had family to jump me for my phone that had ALL the proof of stalking me this was the second phone in XXXX months I desperately need to pay for audio XXXX calls to get these people out of my life and I can't, NO MONEY
Product: Credit reporting or other personal consumer reports

I opened a credit card with XXXX XXXX in XXXX. The account shows delinquency that is over seven years that should not appear on my credit report. I also asked that the company provides statements from the beginning of the account, and they have failed to do so. I called on XX/XX/XXXX and spoke with a XXXX in the Special Collections Department and verified that this account was paid and it was still reflecting as open according to her records. She advised that I would not be able to get account information since account opening. I have in the last two years requested that the derogatory information be removed since it has not been verified and validated as accurate. The company has not provided any account history and proof of the delinquent payments. The furnisher and credit reporting bureaus are still reflecting this on my credit report, even though the account is 13 years old and paid. This is in clear violation of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, 1681s-2B of FCRA 15 USC 1681 et seq and Section 623 ( a ) ( 1 ) ( B ).
Product: Student loan

In XXXX I had XXXX and had to have a full XXXX. I was not able to work so I enrolled in college. In XXXX I took out a loan for {$1500.00} to cover the expense of college. After about six months I was not able to continue with my classes due to complications from the XXXX, so I dis-enrolled. I picked up small, odd jobs to try to pay the loan back. My physical complications progressed and got worse so I was not able to hold a job for many years. I have paid a significant amount of money on the loan throughout the years. They have transferred my loan to multiple companies many times, and each transfer I am expected to pay an absurd transfer fee. I am now a low income, XXXX year old on Social Security. Once I pay my bills I do not have enough money to provide for the special diet my doctor requires me to be on. Even after 36 years, and years of wage garnishment, I am expected to pay back {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not mine : FCRA violations see attachments : XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Open. {$530.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7200.00} Status Closed. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$12000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 



XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3600.00} Status Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/XXXX.
Product: Credit card

Trip ID : XXXX XXXX XXXX XXXX XXXX  I booked a babymoon trip for my wife and me in XXXX XXXX. I used my points to book a room in XXXX. When booking, I was unsure if the reservation went through. I have used XXXX XXXXXXXX multiple times, and when a trip is successfully booked, it appears under XXXX Trips. After the trip date passes, it then shows up under Past Trips. 

I attempted to confirm the trip, but : I never received an email from Chase confirming the trip. 
The trip never appeared under Upcoming Trips. 
The points were never deducted. 
I called the hotel, and they confirmed that I did not have a booking. ( Note : This could be because Chase 's third-party booking company might have booked under their own name. ) Given these factors, any reasonable person would assume they did not have a reservation. So in XXXX, I rebooked the same room, valued at {$1200.00} in points. Again, I did not receive an email confirmation for this booking. Additionally, I receive marketing emails from Chase, so there is no issue with my email address. 

When we arrived for our trip, the hotel informed me that I had two suites booked. I explained this was a mistake, and the hotel also stated that the email confirmation was sent to a different address than mine. This is crucial because Chase is denying my refund, claiming they have proof that an email was sent to my email on file, even though the hotel says otherwise. 

I have had multiple calls with Chase Travel, and while they show the trip under Upcoming/Past Trips on their system, it does not appear on my Chase Travel dashboard , as they claim it should. I have sent Chase Travel ( with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) multiple images and videos of my travel dashboard showing that the trip does not appear. 

Despite providing two sets of proof, XXXX XXXXXXXX only response is that the email confirmation was sent, dismissing all other evidence as irrelevant. I doubt they even reviewed my proof, which clearly demonstrates they are in the wrong. 

I have asked for proof from their end showing that the email was sent to the correct address with a timestamp, but they have refused to provide it. It seems they are aware of their mistake and are hoping I drop the issue. However, I have spent a significant amount of money on their credit cards, and I do not want {$1200.00} worth of points to disappear due to their error. 

Attachments show that the trip never shows up under my trip and is no where to be found.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX and XXXXXXXX XXXX account # XXXX, has violated my rights. 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
Product: Credit reporting or other personal consumer reports

The account in question is with XXXX XXXX ( Account Number : XXXX ). The details of the account are as follows : - Status : Derogatory - Date Closed : XXXX - Date Reported : XXXX - Balance : {$33000.00} - Last Payment : XXXX - Account Type : Auto Loan I am disputing this item because I believe it is reported inaccurately. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to credit bureaus must be accurate and verifiable ( 15 U.S.C. 1681e ( b ) ). Specifically, case law, such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), emphasizes the obligation of credit reporting agencies to ensure the accuracy of the information they provide. Furthermore, I have reason to believe that this account does not reflect my true payment history or account status, which has negatively impacted my credit score. I kindly request that you conduct a thorough investigation into this matter under the provisions of the FCRA. If you can not verify the accuracy of this information, please remove it from my credit report immediately. Enclosed with this letter are copies of relevant documents supporting my position, including [ list any included documents, such as payment receipts or correspondence with the creditor, if applicable ]. Please provide me with written confirmation of your investigation results and any actions taken regarding my request. Thank you for your prompt attention to this matter. Sincerely, - 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: Money transfer, virtual currency, or money service

Party involved : Binance US BAM Trading Services, d/b/a Binance.US, is a separate entity from Binance XXXX XXXXXXXX XXXX XXXX XXXX Contact Information : BAM Trading Services Inc. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX California XXXX. 
XXXX XXXX XXXX No phone number available. 

I am reaching out because I have not received my wire transfer at XXXX XXXX XXXXXXXX - XXXX XXXX account. 
This transaction was initiated on XXXX XXXXXXXX, 2021 and in the past this sort of transaction has only taken a day. My attorney also spoke with XXXX XXXX XXXXXXXX on XXXX XXXXXX/XX/XXXX and they confirmed there were no incoming wires and that most likely it had gotten rejected, which means the money went back to Binance US. 

I also spoke with XXXX XXXX XXXX Third party custodial for Binance US ) and they directed me to Binance US. Given the lack of response, I've opened two tickets asking for an update as to when my funds will settle back into my Binance US account. 
According to their procedure found online ( https : XXXX ), funds will settle back within " two to three business days '' ; but in my case that has not happened. 

The total amount wire from Binance US  to XXXX XXXX XXXXXXXX was {$15000.00} XXXX. As of today, I have not received a single response from Binance US ( i.e. customer service or any of their employees ). 
All I am looking for is for Binance US to release my funds - they are holding them for no legal reason.
Product: Bank account or service

I 'm being charged for XXXX ATM withdrawals for which funds were not received. Each transaction was for XXXX for a total of XXXX USD. Chase back credited me for that amount on XX/XX/XXXX the date of the attempted withdrawal. No receipt was given to me at ATM. On XXXX/XXXX/XXXX they took back the XXXX credit and on XXXX/XXXX/XXXX tomorrow they are taking the other XXXX back also as per their investigation. This happen at XXXX XXXX XXXX XXXX, they gave me the information on the owners of the ATM '' s XXXX XXXX. They told me that they ca n't do nothing until a count is done at the end of the week. I reported it to security trying to get film footage of me to prove that I did not receive funds, they refused because I was n't robbed. Come to find out the has happen before with a Chase Bank customer before so I felt that I would not be ripped off, how wrong I was. The Claim number with Chase Bank is XXXX, Card ending XXXX, account ending XXXX. That casino has camera footage and it will show I did NOT receive funds.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX TD XXXX XXXX XXXXXXXX Balance Owed : {XXXX} XXXX : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX  XXXX Balance Owed : {$XXXX} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX LLC ) XXXX XXXX XXXX : {$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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 if 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

I have disputed inaccurate personal information including name and address. I have also disputed fraudulent inquiries on my credit. I have been informed these have all been verified as accurate. I then requested information about the verification process approximately 20 days ago and have only received a copy of my credit report in response. There is no response to method of verification request and the inaccurate information remains. I have delivery confirmation on XX/XX/19 of the request I sent. This problem is with all three credit bureaus including XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I noticed XXXX XXXX accounts on my Experian credit report that were not mine. 
XX/XX/year> I confirmed with the creditor ( XXXX ) that my SS # does not exist in their system. 
I asked for written confirmation via email so I can forward it to Experian and was told it would be sent to my email by the end of the day. 
Opened dispute on Experian website. 
XX/XX/year> Checked email and did not received email. 
Checked dispute with Experian and it was denied. 
XX/XX/year> Called Experian the next day to inquire why it was denied, and Experian alleged that the info was verified by XXXX. Opened dispute again. 
XX/XX/year> Called XXXX to request email previously agreed to. Request was denied. 
I received consent to record the phone conversation. Received supervisor 's employee number and verbal confirmation that I do not have accounts with them. 
I can provide the audio file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report recently and noticed that you did not remove it. 
Americredit Inquiry from XX/XX/2019 Why is that? It appears to me that you don't care about my rights and my creditworthiness.
Product: Checking or savings account

Last year maybe the beginning of the year I opened an account with Fifth Third. Never have any transactions on it I believe u payed the fee only once and never used the account again. It is now XX/XX/2021 and I called Fifth third to check and see if there was a fee to pay for reopening it because Im with me not using it at all and not paying the monthly fee again that the account isnt still active. I was told that there was some kind of fraudulent check that was attempted to be deposited into my account that I had no idea of and now this is become a problem because Im not allowed to get an account anywhere!! Please get back to me when you can
Product: Mortgage

My 2019 XXXX Property tax still not paid yet, despite of many attempts and complaints via phones and emails I did to PHH Mortgage Services. Right now I was approved for home modification, because I had a hard time to pay my mortgage. I did apply for Home Modifications and my lender approved it, and I passed the 3 months trials. 
My only concern why my property tax was not paid yet for XX/XX/2019.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billin

g Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. "
Product: Debt collection

I was made aware of a medical debt in XX/XX/XXXX on my credit report via XXXX. Commonwealth Financial Systems is attempting to pursue a medical debt from the year XXXX. Currently in the State I reside the statute of limitations to collect a medical debt is 4 years. being that date provided by Commonwealth as the date of service is XXXX they have exceeded the ability to collect. I have not ever received a bill or communications from this company or a bill for the monies owed initially. It states the status was " updated '' XX/XX/XXXX. I placed a dispute via XXXX. It came back as a " verified debt ''. They are displaying a medical debt on my credit report in XXXX from XXXX which is well past the 4 year mark of collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and there's accounts reporting on my credit file inwhich I have absolutely no knowledge. Therefore, I'm demanding that these accounts be blocked and removed immediately. If you or your company do not then please show physical cause why you still reporting these unauthorized accounts. Please remove immediately these accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX {$1700.00} 3 ) XXXX XXXX XXXX XXXX {$3100.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX
Product: Debt or credit management

This is now in my credit report. It is from an online loan from XXXX XXXX  which I did not do myself. Someone else took this loan out from this particular bank. Is its been sent over to National Credit Adjusters who are trying to collect this money. I have talked to them and discussed to them that I didnt take this loan out. They then told me to go to this website and put in a fraud claim.
Product: Credit card

i asked to refund interest fees as i made ontime and proper payments. Please remove fee of {$4.00}. See attached.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 inadequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

In XXXX of XXXX my husband and I were forced to close our business 's due to covid 19 and the governors orders. Being self employed we were not eligible for unemployment at that time. Out of fear we called our bank and asked if there was anything we could do. They offered us a forbearance plan which they said was very simple and would just add 3 months onto the end of our loan. We went ahead with that. We were not to make payments for XXXX XXXX and XX/XX/XXXX. We were told they would send paper work for us to sign in the mail. We never received anything. I called on XX/XX/XXXX and then on XX/XX/XXXX. I was told everything was delayed and they assured me we would get it soon. I then called on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. All the same thing everything is delayed it will be mailed soon. On XX/XX/XXXX I called and was told they were working on our paperwork and I should get it soon. I called again XX/XX/XXXX and XX/XX/XXXX same response. On XX/XX/XXXX the paper work was sent over night. We signed and notarized and send it back the next day. I called again XX/XX/XXXX XXXX and XXXX. They said they received the paper work and were working on things. I called XX/XX/XXXX and spoke to a man who was extremely rude and told me I should be greatful that they even gave us the opportunity to do the forbearance and I needed to be patient. I called back on the XXXX of XXXX and Then on the XXXX of XXXX. I was told on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX that someone would call me within 48 hours to discuss my issues and I have never received a phone call. It has now been 1 year. We are losing money. We have everything ready to refinance our home at a lower interest rate so that we can fix the roof that is leaking into our home. So everyday this process goes on is costing us money and damage to our home.