23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing this as I just got off the phone with the Chase fraud dept after waiting 6 weeks for them to tell me they were not going to return the nearly {$7400.00} that was removed via ACH transactions. There were multiple transactions starting with {$2.00}, {$2.00}, {$2.00}, {$3.00}, {$1.00}, {$9.00}, {$3.00}, and {$9.00} which were deposits. 

Since they were deposits and were in my savings acct at first I didnt pay much attention because I thought they were dividends due to the amount in the account. Then as Covid was gearing up and we were dealing with my husband becoming unemployed, homeschooling, and trying to get our accountant to do our taxes etc the next few weeks the with drawls started weekly {$480.00}, {$780.00} and {$980.00} totaling {$7400.00} The source was labeled XXXX XXXX. We use XXXX XXXX and XXXX for a lot of our business transactions so at first I assumed my husband was purchasing something for business. Being at the computer more with pandemic unemployment claims etc I finally noticed the amount was unusually low and caught the activity. I then made a claim with their fraud dept. Apparently they only look at 60 days from the first transaction and will not do anything about replacing the money when it is apparent fraud. One year ago there were two with drawls totaling {$11000.00}. via ACH transfers. All at the same bank. We opened a new account and transferred the money to the new account, with their help and guidance, within a few days the ACH with drawls started happening again. We then with drew the money as cash and put it into a third account. Since the connection between the accounts in my mind was broken there was nothing for a while. Apparently regulation E, which I was not aware of, states that there is only a 60 day window to make the claim. Even if we were to claim the transaction window starting XX/XX/XXXX it would have fallen in their window. Since we did not authorize this source it atomically goes back to all transactions even if it was a tiny deposit looking like a dividend. Which then puts it passed 60 days but the large part of the stolen money was within 60! days. This EFTA was made in XXXX! The internet was not even around then. How can this still be a thing in todays time. When these hackers know how the system works. This can not be right. 

With everything going on especially XXXX - XXXX you would think that they would do something about this. Fraud is fraud. I have been a member of Chase since XXXX and am surprised at them not wanting to help at all. Have you had any experience with this situation before and can you help us get our money back from Chase. 

Thank You for your time. 

XXXX XXXX
Product: Bank account or service

I bank with Suntrust and this keeps happening. they will take the biggest amount from my account first then charge me XXXX per item that came in before the big amount. I have asked them if this is how banking regulations and its not but that is how they operate. So far they have taking XXXX for pretty much overdraft charges I want my money bank, they are also charging for extended overdraft charges.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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: Credit reporting or other personal consumer reports

they use my info without my permission sevral times from 1990 to present this has caused me not to able to simple buy or rent anything or even notify me on what i have to do to raise my score. They have given my personal info out wihout my consist. etc
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last few months, I have disputed a fraudulent account on my credit report in the name of XXXX XXXX. I have never opened any type of account with XXXX XXXX nor did I ever authorize the opening of such account or any transactions afflilfated with that account. Each time I have disputed this account, I have not received any correspondence from XXXX XXXX and the both TransUnion and XXXX have come back and validated the account with providing me all the required documentation and evidence I requested in order to property and legally validate the debt under my name and social security number. This account violates the Fair Credit Reporting Act by reporting a fraudulent account without my consent, knowledge, or authorization to my consumer credit reports. XXXXXXXX XXXX has not sent me original contract with my wet-ink signature, all the statements with transaction history. the method of account opening, or any other evidence to validate this debt. This account does not belong to me as I have been a victim of identity theft which I have stated to all the credit reporting agencies so that they know the exact context of my dispute. Its been several disputes that have came back verified and it says they are meeting FCRA requirements, however each time I dispute they change the reporting on my credit reports. One month they change the statement, then the amount due, then they say its a charge off. Then it says profit and loss write off. They are simply executing delay tactics and blatantly violating FCRA rules and regulations. This account needs to be investigated thoroughly and my identity theft dispute taken seriously. I will not back down from these violations and obvious manipulation of the credit laws put in place to protect consumers like me that have been wronged and the company mishandling both the reporting of a fraudulent account and the improper investigations being conducted.
Product: Checking or savings account

Below is a copy of an email sent to nearly 40 email addresses of executives, various departments, and authorities in the hopes to escalate resolution to the issue I am facing ; that is, a check from my employer being withheld/and or refusal to verify my employers account that is with JP Morgan Chase Bank . 

For the record, I bank with XXXX XXXX ; the check is from JP Morgan Chase Bank. XXXX XXXX has assured me that Chase refused payment/ would not verify my employers account and send funds made to me by their check, the morning after I deposited it. 

Below is a quote of the email I sent, and attached is the check itself, and my state DL as well as Government Employee Badge. 

Hello, my name is XXXX XXXX and I am a new USPS employee. I deposited a check via mobile deposit into my XXXX XXXX account yesterday afternoon that was issued to me from my employer, the United States Postal Service, by your bank. I tried to cash it at XXXX since I do not have a brick and mortar bank relationship status since moving back to KS. They tried to run it twice and said it was denied. So I turned to XXXX XXXX- they credited me {$400.00}, and was to deposit the rest this morning. I woke up to an overdrawn bank account. Their position is that JP Morgan Chase Bank wont release my travel reimbursement check to my account. I need to eat. This is unacceptable, and I will not wait 10 for you to release me my paycheck. What kind of Bank doesnt back the Postal Services checks? Especially one paid to an employee. Im sure this is unlawful, its certainly unruly- and I will be contacting an attorney on this matter. I have spoken to everyone I can today at PO and they just look at me like, What happened? 

UPDATE : Is this really where we are at? Are you really the type of bank that refuses to verify or acknowledge a USPS workers paycheck from the Postal Service, with ZERO explanation? 

This is unacceptable. I have a right to be paid for my labor. Verify my employer 's account and release the funds made to me- To my XXXX XXXX account. Consider this a final notice before my legal counsel files a complaint. 

CC : Consumer Financial Protection Bureau, Federal Trade Commission, XXXX XXXX Kansas Attorney General
Product: Payday loan, title loan, or personal loan

On XX/XX/21, I applied and was approved for a SoFi personal loan. I used a referral link that gives me a {$310.00} sign up bonus. However, it's been almost 6 weeks and I still didn't get the bonus. I reached out to SoFi customer service via chat to inquire about the bonus. I was told that because I don't have a money market account with them, i'll have to add an external checking account to get the bonus deposited to, which I did. Few days later, I chatted a gain to see if theres any updates, I was asked again about the money market account, I repeated the previous conversation again, opening and/or having a money market account is NOT a requirement to get the personal loan bonus. The agent said that she marked the ticket with that information and that I've already added an external checking account as instructed. I just chatted again today with SoFi and it's the same conversation all over again. Same thing for the person who referred me, she was told to add an external checking account, which she did, and still didn't receive here referral bonus of {$300.00}.
Product: Credit reporting or other personal consumer reports

XXXX account was back in 2020 and should not be reporting on my credit report by XXXX. Experian and XXXX is still reporting this account. They stating they are performing investigations and they are not. If Experian and XXXX are doing a true verification then they know this account should not be reporting on my credit file. I want this account removed immediately. Experian and XXXX please provide me with proof of verification. I want to know who verified. So I can take XXXX to court if they saying this is a valid account and they own this account. I am giving Experian and XXXX 4 days to get this rectified.
Product: Credit reporting or other personal consumer reports

At the time of purchase, our original mortgage was with XXXX. 
On our original loan, we were making payments on time regularly. 

We were made aware in XXXX of 2023 via mail from XXXX that impounds were being incorrectly calculated by XXXX while they held the loan. 

XXXX was now assuming our loan from XXXX, but XXXX noted that XXXX should have been applying approx {$900.00} to the impound account rather than the {$500.00} they had been applying for quite some time before selling our loan to XXXX. 

XXXX insisted I pay approximately $ XXXX immediately to bring the loan into compliance, and to avoid delinquent reporting. 

Although this large unexpected expense was a severe hit to our budget, we complied. 

To have a blank slate, and to avoid further confusion as to where monies were going, we created a new bank account with XXXX for any future mortgage payments. 

We made the update of the new account on their secure website. 

We did not take a snip-it/screenshot of the confirmation since it would be recorded on their site. 

Though we had made this change, XXXX continued to auto-deduct from the original bank account but said we were not making the payments. 

We had the confirmation we were paying via our XXXX personal banker 's records. 

Upon our informing XXXX of this, XXXX stated that there was a glitch in their system, yet chose not to correct their error. 

This latest error ( " Glitch '' ) was only discovered when the city sent us a tax bill claiming non-payment of the very same taxes that were rolled into our mortgage. 
We were fuming now! 

This is how we learned of their error in not allocating our payments correctly. 

All of this was taking a huge toll on our budget in addition to XXXX taking my spouse out of work as well. 

XXXX sold our mortgage to XXXX, and we continued to make our payments as directed. 

We feel that we were improperly informed of factual changes and errors that put undue stress and hardship on our family. 

XXXX. The new assessment for the house. 
XXXX. A subsequent tax increase. 
XXXX. Disclosure of newly allocated monies regarding principal, interest, and taxes. 
This coupled with the fact that they were not making payments to the taxes, and not applying the appropriate funds to the correct places. 

By now, we were so very happy that XXXX sold our account but they never applied our last payment they had pulled from the old bank account, kept the funds, and reported to XXXX that we were 2 months behind, ( which was an untruth ) This forced us to make payments totaling 3 months ' payments to XXXX to rectify the mistake of XXXX. 

We never got any more refunds or information detailing the payment they had taken.
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
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: Credit reporting, credit repair services, or other personal consumer reports

I supplied all the necessary documentation to capital one proving the vet killed my puppy. They refuse to credit back these charges and I refuse to pay for them. I have tried settling the account and they are rude and obnoxious. They continue to charge interest, late fees and reporting my account as written off but still shows a balance.
Product: Prepaid card

I purchased two Vanilla ( branded ) Visa Gift Cards from XXXX on XX/XX/year> at XXXX as XXXX XXXX XXXX XXXX. I added {$200.00} to one card, and {$300.00} to the other card. The CVS is located at XXXX XXXX XXXX, XXXX, California XXXX. I learned today from the gift recipient, that on XX/XX/year>, the card with the {$200.00} value had an unauthorized charge for {$37.00} at " XXXX # XXXX '' at XXXX. After learning this, I checked the value of the gift card for {$300.00}, which the recipient has not used themself. The card with the {$300.00} value, had two unauthorized charges on XX/XX/year> for " XXXX XXXX XXXX XXXX XXXX # XXXX '' ; XXXX at XXXX for {$49.00}, and a second at XXXX for {$240.00}. 

The gift recipient of the {$200.00} card submitted a fraud dispute to Vanilla Gift Cards, and I have now submitted a fraud dispute to Vanilla for the second gift card. Neither of the cards showed any sign of tampering when I picked them off the display at XXXX, but someone has clearly had access to the card information prior to my purchase, and quickly fraudulently stole the value from both cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent Disputes for those accounts I found on my credit report inaccurate and unknown. over 30 Days today since I've sent those disputes but I haven't received a response. I was a victim of an XXXX  Data Breach. I demand to Delete those accounts or I will file litigation.
Product: Credit card or prepaid card

citibank keeps sending me about my credit card limit and their promos..i applied a credit card last XX/XX/2018 but my card did not arrive.. when i checked the status of my card application.. it was approved and have a limit of XXXXphp..i contacted several times the company but they still keeps saying that my card will be redeliver.. as of now i have not received my card.. I'm afraid that my card will be use by someone else ... am i responsible for that? the company keeps saying that they will get in touch with me but i have not received any call from them..
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account 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 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: Mortgage

I have been trying to submit a payment to my Mortgage Services for {$810.00}. The first payment I tried to submit was on XX/XX/2023, and then attempted to make another on XX/XX/2023. I was unable to login, or contact them and verify my account. The Mortgage Servicer Company is LoanCare , LLC located in XXXX XXXXXXXX, customer care number : XXXX. They event sent me an email last night stated " Your online account is up and running. Access loan information, support options, and make payments today by visiting https : //lakeviewloanservicing.myloancare.com. 

As part of resuming our online services, we have made enhancements to the website. You will notice the following improvements : Updated user experience Expanded tools and features Secure statement storage Special Note : You will need to set up your preferred bank account the first time you make a payment through the enhanced website. 

Reminder, if you have been unable to timely make your payment due to the system outage, no late fees or negative credit reporting will be incurred. '' I just want to make sure they honor this Reminder statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; US DEPT ED XXXX XXXX XXXX {$7500.00} ; XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX PL XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to complaint to EQUIFAX about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with XXXX XXXX XXXX Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Product: Debt collection

Sallie Mae called me XXXX times yesterday. I answered the phone each time and there was no on on the other end of the line. I called the number back and spoke with someone who claimed I owed an amount of {$25.00} and some change. I advised them that they had called me XXXX times in one day and the supervisor advised it was an automated system and shows they only contacted me XXXX times. After I ended the phone call because the supervisor and rep both told me there was nothing they could do about the phone calls until the bill was paid, I paid the bill online. The amount it showed I owed online was greater than what I was told on the phone, but I paid it all anyway. I received XXXX more phone calls after the payment was made last night. Again, no one was on the other end of the line. Today, I received XXXX more phone calls from the same number and no one was on the line. I tried to call them back, but ca n't speak with anyone because their office is closed.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

We paid our mortgage loan ( # XXXX ) in full on XX/XX/2015 to Ocwen ( lender was XXXX XXXX XXXX ). After months of telephone calls, Ocwen has not released the lien on the records of XXXX County Va. I 've dealt with their Office of Consumer Ombudsman, a misnomer to say the least. I even collected a {$500.00} civil penalty under Va. law for their failure to deliver a release to the county clerk within 90 days of payoff, but can not get them to file the satisfaction/release after six months of the XX/XX/XXXX payoff.. I 'm aware of the XXXX dollar settlement with Ocwen & wonder how many complaints there have been like mine. Thanks-XXXX XXXX, XXXX
Product: Vehicle loan or lease

Purchased XXXX end of XXXX  2023. XXXX indicated a finance packet would arrive shortly. 
By middle of XXXX, I contacted them and they said TD Autofinance now had the loan. 
They never contacted me. I contacted them on XXXX or XXXX times. My first payment was due XX/XX/XXXX with XXXX  day grace period. So I wouldnt be late I paid to overnight payment which they accepted XX/XX/XXXX. They still charged a {$42.00} late fee. I paid USPS to overnight payment. They failed miserably to invoice me. The first they contacted me was end of XXXX. I dont owe a late fee.