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

The original complaint with all of the paperwork sent to the XXXX  XXXX XXXX is attached to this complaint. 
XXXX Submitted XX/XX/XXXXXXXX  XXXX XXXX XXXXXXXX processed the claim and the funds were returned to Chase, however, Chase never returned the funds to my account and in fact closed the claim. 

Chase lied several times stating that XXXX never received documents to support the claim, when in fact I have a recorded message from 2 XXXX representatives that the cashier check for my claim was mailed to Chase on XX/XX/XXXXXXXX  before CHASE closed the claim by mailing me a letter in XXXX AFTER they had received my reimbursement funds from XXXX. 

Chase Bank closed my claim and mailed a letter stating XXXX  who had accepted the fraudulently endorsed check hadn't received the paperwork that was submitted to Chase. This is the paperwork attached in my original complaint to cfpa. I was told by Chase that Chase had to handle the claim with XXXX and was given copies with proof that the correct forms and documents signed by the deputy director of the Oklahoma Tax Commission and verifying the check was fraudulently endorsed was in fact sent by fax to the claims department at XXXX. 

I followed up myself with XXXX claims in the fraud department and was told by 2 separate representatives that that the claim was resolved and a cashier 's check had been mailed to Chase on XX/XX/XXXX. They stated on a recorded line that the cashier check number # XXXX in the amount of XXXX had been mail to Chase on XX/XX/XXXXXXXX  and should have already been placed back into my business account with Chase. 

When I called Chase executive office I was told a different story. They agreed to reopen the claim to investigate. I am not sure, but I believe this is FRAUD to take their customer 's money and keep for themselves. I am writing to ask for your assistance in this matter because at this point I have no choice but to seek legal counsel. I have been dealing with this issue for almost a year, calling every week for the last few months. The damages to my business and personal life have been adding up and taking a toll on my health and my business is struggling due to Chase Bank after I had put all of my trust in them as a small business owner starting out. 

Would you be able to assist me in this matter or should I hire an attorney? It seems unimaginable that an American Citizen can't even trust their on own American Bank. Chase prides themselves on protecting your money from fraud and in fact they are committing fraud against their own customers!! I have also thought about going public with this scam because I am sure that I am not the only one this has happened to in the past. I was of course required to pay my property taxes of {$4300.00} twice or fees would continue and I would lose my house. 

Please help me to help myself AND American Citizens
Product: Student loan

This process started in XXXX, XXXX. I contacted VanRu in an attempt to rehab my loan after confirming that they received my packet ( with the salary information and all the paperwork ). I was under the impression that I would be on the reahab loan. I contacted a few months later to check on the status of this- they said that everything looked good and I had a few months left to complete the rehab program. After a while- I realized that the loan had not been moved to a different servicer- I called them again to check on this. They claimed that they never received the paperwork and that all of the payments did not apply to the rehab program. They claimed that they would submit the required paperwork by email /mail and that they would need to be filled out and returned. After a week or so, I contacted them again to ask for the paperwork, they claimed that this has been submitted to me and I have received them. When this happened again- they submitted a loan consolidation application paperwork- not the paperwork required for the loan rehab program. 

I had been making monthly payments for several years and they continue to send me letters saying that the payments are collected by wage garnishments which is false. Now this loan apparently has been deferred to a DIFFERENT collection agency. This loan should have been in good standing as of XXXX.
Product: Credit card or prepaid card

I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and NAVY FEDERAL CU with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my Experian Credit report and found information that is hurting me financially and is also false information. I have several account being listed as " charged off '' meaning these companies should have issued me a XXXX form for tax purposes as the debt has been canceled out and is reporting as income to the XXXX XXXX XXXX I never received such forms from any of the creditors listed below. Since income can not be reported on my credit report then I demand these false, negative items be deleted at once as per the F.C.R.A. 

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 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 was just looking over my credit report and found some inaccuracies that I am demanding you correct. The payment history is incorrect. Late payments from the entire account history were all on time. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines.
Product: Money transfer, virtual currency, or money service

I am experiencing continuing service problems with PayPal. I have filed several complaints previously about the same XXXX thing, they have responded, apologized and now are doing exactly the same. Adding money to my VERIFIED PAYPAL ACCOUNT IN GOOD STANDING, from a CONFIRMED AND ACTIVE PREVIOUSLY USED BANK ACCOUNT is being blocked without explanation and for no reason. I tried numerous times with the same XXXX error message as several months ago.
Product: Credit card

I called CHASE credit card about an unusually high balance on my card. I pay my balance in full every month. There was a difference of approximately {$1400.00} that was explained to me as charges that were assessed after my last payment on XX/XX/year>. I informed them that I paid these charges on XX/XX/XXXX and nothing was pending when I made the payment in full. I was told that these charges were from the XXXX and had not " hard posted '' until the XXXX ( apparently after my payment coincidentally ) even though they showed not in pending status at that time and some charges from the XXXX had posted. I asked for itemized list of charges, posting times, and account balances ( what they were looking at as they explained this to me ) they said they " can not provide that '' I asked why, and was told repeatedly, they just can not. I believe at worse I am being assessed twice for the same authorized charges and at the very least I am being not provided transparent information that is due to me as a consumer. Regulation needs to be enacted and policy changed/enforced to protect consumers and force credit companies to provide accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$230.00} I believe it was reported in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion constantly publishes and uses old and out of date balances on my accounts and credit cards to intentionally lower and negatively impact my credit score.
Product: Credit card or prepaid card

I had a dispute for the {$270.00} transaction from   XXXX   XXXX   XXXX   XXXX   XXXX   as they charged me twice, and I filed the dispute on  XX/XX/XXXX . Barclaycard forwarded my dispute to the merchant, and the merchant responded on  XX/XX/XXXX . Barclaycard forwarded their response to me and said " if you disagree with the merchant 's response and would like to reassert your claim, please send an updated signed and dated letter that addresses all of the points in the merchant 's response within 10 days of receipt of this letter ''. I followed their instruction and filed a rebuttal on  XX/XX/XXXX  to " address all of the points in the merchants response '' one by one and I have the witness ( See attachment ). Unfortunately, Barclaycard refused to forward my rebuttal to the merchant, and also refused to further assist me or pursue credit on my behalf. Barclaycard 's argument is wrong, and i am not even sure if Barclaycrd have read my letters which address their issues already : 1. " When the merchant was contacted they gave an estimate for the service that is to be rendered ''. Partially true. The estimate was {$390.00} for the service of 4 hours on  XX/XX/XXXX , but the service was unable to be completed as the movers went to the wrong address at the first place, and the driver refused to drive down the alley as " it was too dark ''. I did not dispute the charge of {$390.00}, and since it was an estimate, I could accept the final charge a little bit higher as I am reasonable. But I can not accept a separate charge of {$270.00} for the service rendered on the following day of  XX/XX/XXXX  for the service that had not been completed the previous day of  XX/XX/XXXX due to the movers fault.
2. " Until the full service is provided would they be able to bill for the exact amount of the cost ''. Not true. On  XX/XX/XXXX , the movers insisted on my paying {$290.00} ( the remainder of the charge of {$390.00} ) and signing off even though they were not going to unload, and on  XX/XX/XXXX  they refused to unload unless and until after I paid {$270.00} and signed off first saying " that 's the company 's policy ''.
Product: Credit reporting or other personal consumer reports

Equifax shows late payments on an account with which I had a perfect payment record. On XX/XX/XXXX and XX/XX/XXXX, I tried to dispute these charges using their online system, which is poorly designed and does not enable customers to properly document their claims. Then the system kept spontaneously logging me out without saving the data I had spent considerable time entering. I called their help line and they said, " just try logging in again. '' I don't have more time to waste. Their system is broken and even their complaint system is broken. If a company makes a mistake and ruins your credit ( and life ), THERE IS NO WAY TO FIX IT. The idea that you can review, dispute, and correct your credit report is only a pleasant myth because YOU CAN'T.
Product: Checking or savings account

On XX/XX/year>, Capital One withdrew {$700.00} from my account without prior notice, citing a disputed XXXX transaction. They said they were 'holding the funds '. On XX/XX/year>, they closed my account and only returned {$0.00} via a 'Checking Closeout by Check '. I filed a previous complaint with the CFPB ( Complaint ID : XXXX ), but Capital One 's response on XX/XX/year> did not address the status of the {$700.00} they withdrew. They only mentioned returning 'good funds ' without specifying the amount. I believe Capital One is wrongfully withholding {$700.00} of my money, which was unrelated to any disputed transaction and came from my job deposit. I request that Capital One return the full {$700.00} they withdrew from my account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I XXXX XXXX checked my report an i noticed some fraudulent an inaccurate accounts listed on my report i then reached out to the credit agencies to remedy the situation but they wouldn't help me correct these fraudulent and inaccurate accounts
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024 it's been 60 days and they haven't responded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of equifax data breach. on XX/XX/year>2024 i sent a letter regarding inaccurate and unknown things on my report its been more than 60 Days they havent responded yet, i feel like they are taking their time and taken avantage of me by ignoring me. iwant these accounts to be removed. from my report as per FCRA section 611A. 
Isurely a victim of the equifax date breach.
Product: Credit card

My name is XXXX XXXX and recently I hired a contractor to work on my deck. This contractor, without finishing the work, ran away with my money. I disputed the money on my apple credit card but that dispute has been getting closed time and time again without a proper explanation. I have been asked several times for documentation but when I give the documentation, I am told they didn't receive it. I am detailing all the issues we have had with the contract and then with my dispute with my apple credit card.

Background : I hired a contractor for a {$28000.00} project that included deck, underdeck, and concrete work. He provided an estimate and offered a {$3000.00} discount, bringing the contract amount to {$28000.00}. I paid {$19000.00}, including {$10000.00} via an Apple credit card.

According to the contract, the contractor was supposed to supply all materials, but he only delivered the wood. While he did complete the concrete work, it was poorly executed by unskilled workers ( see attached photos ). The concrete needs to be redone, and the work has damaged my sprinkler system and lawn ( see attached chat history ). The sprinklers are still malfunctioning and leaking where dirt was piled.

The contractor began the deck work but left it incomplete, failing to adhere to village code requirements. The village has now instructed me to dismantle the deck because it lacks proper support. Despite this, the contractor is demanding late fees on the remaining balance, which was intended to cover the completion of the work. However, less than 30 % of the work has been finished. Additionally, he is charging me for concrete work, which was already included in the contract, and for transaction fees that were not previously mentioned or charged.

The contractor 's attempts to overcharge and evade his responsibilities are unacceptable, and I am determined to ensure that this situation is resolved fairly.

Apple Dispute I opened the $ XXXX amount on the apple card that was paid to the contractor. This dispute has been open several times and each time it gets closed without any information or reasons. I have provided several documentation but it has been mishandled since their emails are not getting to the dispute agent. Dispute # s are XXXX and XXXX My Request? 
For a company like Apple and Goldman Sachs $ XXXX is not a lot of money but for me it's a huge amount. I am spending another $ XXXX on top of the $ XXXX that I have lost to redo what was done. Please help me with this dispute with Apple Card since I don't believe it's being handled like it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I have opened a loan account with BMW financial services for buying a used car from BMW dealership XXXX my monthly payment is {$740.00} for XXXX payment was paid on XX/XX/2022, at that time I was sick with XXXX and was not able to go out until few days after. the total late days were only 13 days but BMW Financial services reported it as 30 days late payment which is totally wrong. I have written up a request ( XXXX ) to BMW financial services asking them to remove that from my credit report with all XXXX credit bureau but they rejected my request. Also, I did dispute it with the credit bureau but the result came back as accurate info. I am attaching a proof from my account page with BMW financial services showing the payment has been received on XX/XX/2022 which means only 13 days late from the initial payment scheduled date. 
Their intensionally wrong report caused me losing my eligibility for home Mortgage 3 weeks ago, where I was buying a house to my family and elderly parents.
Product: Checking or savings account

I am formally addressing a serious issue regarding identity theft that has directly affected me. Recently, I discovered that some one open a Navy Federal bank account in my name without my authorization. This situation has caused significant distress and has raised serious concerns about my personal information being misused. 
I want to emphasize that I have never consented to the opening of these accounts, and I am deeply concerned about the impact this fraudulent activity has on my financial well-being and personal reputation. It is imperative that these accounts be removed immediately from my name to prevent any further complications or damage.
Product: Checking or savings account

On XX/XX/XXXX I noticed my account was pending for a transaction in the amount of {$2500.00}. That same day i called Bank of America to inform them that i did not authorize that transaction. At the time i called bank of america I told them to to start a claim in order to investigate the transaction. They informed me that a credit of the transaction amount would be credited back into my account within 10 days as the investigation was underway. Before that time i was notified that my claim was closed and not paid. Bank of America also sent a letter stating my claim was denied. 

I went back to Bank of America to appeal the claim. But that appeal was also denied within 3 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX- XX/XX/XXXX and XX/XX/XXXX was closed immediately without submitting it to the companies involved. I submitted a complaint again last XX/XX/XXXX and got a response from XXXX. The others 2 Credit Bureau 's response is still pending. I am hoping that by submitting this new complaint, all the fraudulent accounts from my credit report will REMOVED and DELETED because I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCT # XXXX OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS SUFFERING.
Product: Student loan

On XX/XX/XXXX2023 I paid off the entire remaining due balance of my student loans on Nelnet, a total of XXXX. I ensured group ID was selected for ALL to ensure my full payment was allocated to each loan group and each would be paid off in full. My Nelnet ID account number is : XXXX. I have attached proof of this payment. I have confirmation that the full payment was taken out of my bank account as well. 

Of my full payment to my student loans, Nelnet only applied {$26000.00} to my principal. My payment in full was incorrectly allocated which led to an incorrect remaining balance due of {$61000.00}. Somehow, {$68000.00} was applied towards my group XXXX loan, yet the loan still has a remaining principal balance of XXXX. Only {$410.00} was applied towards my group XXXX  loan, yet the loan still has a remaining balance of {$31000.00}. I have attached screenshots of this as well. Since this error, these loans have still been incorrectly accruing interest. 

I spoke to a NelNet manager on XX/XX/XXXX23 named XXXX XXXX employee ID : XXXX ) who could not give me any information on how or why this happened. I paid my loan in full correctly and he admitted this was a clear, egregious error in their system. Also, he could not tell me exactly when their accounting department will fix this error. While they are not urgently fixing their error, my incorrect remaining balance is accruing interest. I have attached screenshots of this as well. I have tried to call Nelnet multiple times, and have received no update on when this will be corrected and each time I have called has been over a 2-hour wait time to talk to someone.
Product: Prepaid card

Have tried multiple stores on multiple dates over the past 3 months to use the {$500.00} AMEX gift card. Always declined with message " Declined - Missing security code '' AMEX says, 'It 's probably the store " All info entered/checked/double-checked on each store/online retailer 's site. Still declined. Balance for card still shows the original {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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
Product: Credit reporting or other personal consumer reports

I checked my crediit report and there is information that i dont reconized. THERE IS A HARD INQUIRIES BY THE NAME : XXXX XXXX XXXX that i dont reconized p Please Delate that information from my credit report. Thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/18 and I spoke with a rude representative named XXXX, I told her I wanted to dispute some incorrect information in my credit file and she I could not dispute the incorrect items after that she hung up in my face.