23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello there! 

I was supposed to get married on XX/XX/2020. Unfortunately, on XX/XX/2020, I received notice from the venue XXXX XXXX XXXX XXXX that they were going bankrupt and would not be refunding me the {$17000.00} that I had paid them to date in fully-refundable deposits. I contacted my credit card company ( Citi ) and was told generally that they would likely be able to credit me the amount, but that I would have to file disputes through various formats. {$4500.00}, which was the amount charged within the last XXXX months, I was able to dispute through Citi 's online portal. I have since received a permanent credit of {$4500.00} for that dispute. 

The remaining {$13000.00}, I had to dispute via a package that I mailed in to Citi. Prior to being able to mail it in, however, I had to collect all of the statements for both my card XXXX {$7100.00} worth - a {$4100.00} charge, and a {$3000.00} charge ) and for my father 's card, as he had paid {$6000.00} ( two {$3000.00} charges XXXX to our venue as a wedding gift. To do this, I had to speak to yet another round of Citi representatives, get my elderly father on the phone, and get his verbal authorization to proceed. I then bundled everything up and mailed it in via USPS certified on XX/XX/2020. I received confirmation through USPS it was delivered on XX/XX/2020. 

Over the months since then, I have tried numerous times to get someone to help me with my dispute. On XX/XX/2020 I was told they could not find my dispute package and that someone would reach out to me within 1-5 days. Nobody ever did. On XX/XX/2020 I call back, spoke to a manager and was told I would receive a call back within 2-4 days. I never did. I called many more times over the following weeks and months and was told it was in process and would be taken care of, but they could never give me any details. 

On XX/XX/2020, I finally received an email saying that a dispute for {$4100.00} had been opened and asking for additional documentation. I provided the documentation but requested confirmation that the other charges ( three charges for {$3000.00} each ) would also be disputed. I sent multiple emails and made multiple phone calls, but never received confirmation. I have since received email notices that my {$4100.00} dispute is working its way through the system, but I can not get anyone to tell me that anything is being done with the other {$9000.00} in charges that I provided documentation on. 

I am losing my mind. I have spent over 40 hours on hold or on the phone with Citi. They can not seem to call me back, email me, or otherwise provide any support for the disputes that I have submitted. 

Please note, the credit card I am providing on the following page is my current card with Citi. I no longer have the card that I paid with that I am disputing.
Product: Mortgage

I tried to get a mortgage with Navy Federal Credit Union on XX/XX/2021. The application number was XXXX XXXX. The lender refused to treat my like an XXXX XXXX applicant due to me being in the XXXX XXXX serving under emergency COVID-19 orders totaling 533 days. I was told even though the regulations have changed for XXXX XXXX members on XX/XX/2021 that they did not change and would not change their unfair policies. I was refused my loan amount and countered with a significantly lower amount resulting in our family not being able to purchase a home. The lender also did not offer me the fair mortgage amount that my civilian job afforded me because I have been on orders with the military. 
I feel this treatment is unfair to all the service members who are also in my situation due to being activated to serve in the XXXX XXXX under emergency COVID-19 orders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the XXXX Collections third-party half of the balance owed to XXXX and I paid the remainder of the balance in full directly to XXXX back in XXXX 2017 and on all ( 3 ) Credit reports I am seeing Paid in Settlement when it should reflect a status of : Paid ; Closed!!!!!!!!!!!!!! I am seeking Assistance regarding this matter with getting Experian, XXXX and XXXX to accurately reflect the account status o my Credit Reports!!!!
Product: Money transfer, virtual currency, or money service

I am fiting a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I applied for a credit card with XXXX XXXX XXXXXXXX several weeks ago. I got a letter from them saying they got a " no hit '' on my report from Experian. Similarly, when I logged onto experian.com and went to my credit report section, I got the following message : " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' The only lender I have is XXXX. I checked their system and all information matches. 

When I sent a form request to Experian asking to explain what the issue is, I got the following response : " Thank you for contacting Experian XXXX. I understand your concern about your credit score and I will be more than happy to assist you. 

However, you have contacted Membership Services and I am unable to access the information needed to assist you. You would need to contact Consumer Information Services to process this request. Please give them a call at XXXX. '' From there, I called the number I was given. However, there was no available option to reach a live representative to resolve my issue. I am now stuck in limbo and I will be denied on my credit card application in 20 days from now if I can not resolve this issue.
Product: Checking or savings account

On XX/XX/2017 my check # XXXX was debited from my checking account, and this check wasn't cashed by XXXX XXXX XXXX, I requested a copy of the endorsement of whom the fund was credited to, Bank of America can't give me satisfactory answer, since this contractor breach of contract that I needed proof of payment in court.
Product: Credit reporting or other personal consumer reports

Equifax data breaches have caused much discrepancy in my credit report. I have disputed negative accounts to be removed and asked that data be provided to me to prove that those accounts that are of derogatory status would be removed and they were not. Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving it inaccurate, unverified, and unresolved.
Product: Credit card or prepaid card

I paid for a XXXX bedroom apartment stay on XXXX via my Chase Sapphire Reserve credit card. The host moved me into a studio at XXXX when they couldn't get access to my booked apartment. XXXX spent XXXX days giving me the runaround, then said that they're not going to refund the difference in cost and closed the case. When I disputed the charge to Chase, they declined to continue the dispute because I stayed in the smaller space while trying to resolve the issue with XXXX. Now I have to pay for a space that I never got to see!
Product: Debt collection

Original XXXX  electric bill. I was moving and canceled my service, it was in XXXX and was laid off due to Covid impacts XXXX advised the are running a promo for people laid off due to Covid. You could pay one you got a job. XXXX XXXX. For {$590.00}. I thought that was nice in XX/XX/2021 I get a letter from a collection agency Diversified saying my account was sold to them and due now. Sure enough they slapped this on my credit report. Ive paid it right away. But I think this is bad business, and wheres the integrity makes it hard to trust. I spend a lot of time and energy on cleaning up my credit and they did this to me. XXXX needs to stand behind their word. Thank you XXXX XXXX
Product: Credit card

On XX/XX/XXXX Citi Bank declared me Deceased without any verification whatsoever : I could not access my web account since XX/XX/XXXX and finally received letter in the mail on XX/XX/XXXX stating they had closed 2 of my credit card accounts and sent their sympathy. 
Within 5 days, they contacted my XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) stating to him that they were sorry for his loss. He had no idea and immediately hung up the phone to see if i was " alive. '' How they even got his name and number I do not know. I missed time off work and have been thru alot of emotional distress contacting the Probate Dept at Citi Bank, their Customer Service, yet no response or anyone willing to help. I faxed a letter and emailed correspondence, yet no help. Over a month later, recently on XX/XX/XXXX due to me contacting the Credit Bureau, Citi Bank reopened my accounts and now are charging me past due fees and interest from 20 some days ago, Really?????? I am not paying anything to them for what they caused me. My account was in good standing and I always made my payments on time and paid more than I should and now they are doing this to me and no fault of my own. I have missed work going to Social Security Administration to prove I'm alive and hours on the phone with Credit Bureau. To date, I have been unable to use any credit cards that are governed by Citi Bank and today, I was unable to upgrade my mobile phone with XXXX  as my Social Security Number was declined. Citi Bank is unable to resolve this problem and this is a Major Issue, despite my credit score, credit ratio, and credit utilization now that is all messed up. I believe they should dismiss all balance due on charges of credit cards due to all the emotional stress I am having to deal with this - and again, no fault of my own. I work hard to pay my payments and keep my credit score up and now they are going to ruin everything! This is simply not fair ....
Product: Mortgage

I see no record of payments made to XXXX XXXX in XXXX, XXXX, XXXX on my mortgage. 
Now the new holder of mortgage is attempting to collect {$42000.00} which has already been paid. 
XXXX went to XXXX and XXXX went to bankruptcy. I tried over the years to get info from XXXX with no success. Shellpoint Financial just picked up my mortgage in XXXX from XXXX, so XXXX has completely disappeared and XXXX disappeared with no record of my payments. I filed a claim against XXXX during bankruptcy, but the new company is totally ignoring my dilemma, saying it is overbroad. ( Shellpoint ).
Product: Debt collection

I received a collection notification regarding a utility service for an address in XXXX Texas. This is an apparent case of ID theft since I've never lived in XXXX. The amount owed is {$340.00}. The utility company is XXXX XXXX ( account number XXXX ) and the collection company is On Line Information Services ( reference number XXXX, PIN : XXXX )
Product: Debt collection

I previously paid off this collection for a XXXX bill on XX/XX/XXXX/17. After requesting my credit report and seeing it was still posted I called and spoke with representative XXXX XXXX and requested the collections to remove the delinquency from my credit report however he told me the company was unable to complete a deletion. I confirmed that although the collection was paid in full that it could not be removed and the representative told me they are not able to remove the delinquency. I do not believe this is true of a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

All this accounts was never late, please update inaccurate information and this is greatly affecting me and my personal life. I request that you update the following information. 

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

I do n't know what credit management, l p I have like  XXXX  or  XXXX  charges in collections from them. I do n't remember dealing with a company like that please help me.
Product: Credit card

Since XX/XX/year> PayPal received a refund from XXXX XXXX XXXX for defunct gift card.

Pay pal has however did not return money to XXXX XXXX.

1 ) Card Never worked 2 Why is pay pal charge back team holding XXXX XXXX refund
Product: Checking or savings account

Opened my account with USAA whove Ive banked with for 6 years and have been using my hometown bank so I just opened a new checking and savings account and transferred just under 4 thousand dollars from my checking and savings account with XXXX XXXX to USAA and they said they would place a hold on the funds until XX/XX/XXXX and then extended the hold to XX/XX/XXXX leaving me with absolutely no money. My own money
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act Bankruptcy XXXX  XXXX account : XXXX, XXXX, Bankruptcy XXXX  XXXX account : XXXX, have 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 an account without my written instructions
Product: Credit card or prepaid card

Bank of America Child Support prepaid card services and supervisors are refusing to deposit my money. The two payments were made in XXXX. They went to " pending '' but NEVER posted to my account. One was on XX/XX/XXXX for a total of {$400.00} and the second was on XX/XX/XXXX. I 've spoken to Bank of America at least a dozen times regarding this matter. I have submitted all documentation that they have requested. I have been hung up on by supervisors at least four times. I have contacted and gotten documentation from the child support agency for the state of Maryland, gave a supervisor of Bank of America the transaction numbers and the check numbers. They said that child support agency of Maryland did not fulfill these payments. Which I have proof of otherwise. I have documentation from Bank of America showing the pending deposits, and that they were never posted to my account. In XXXX of XXXX there was not one transaction made, not a deposit nor a purchase! I have experienced very rude and disrespectful conversations between myself and supervisors of Bank of America. I have all supporting documents from the state of Maryland and from the Bank of America website showing that nothing was deposited on these matters. Every time I 've spoken to a different customer service representative and or supervisor I have been given different reasons on why the payments we 're never deposited. Despite me sending all of my supporting documents, I have just been turned away and or hung up on, or given the excuse of a glitch in their system. I would not recommend Bank of America to anyone. If I had a choice I would definitely go through a different bank! Please help me! Thank you very much!
Product: Mortgage

In XX/XX/2016, my husband and I began a loan repayment plan for our home mortgage which was past-due with Wells Fargo. The repayment plan was for six months and each monthly payment was to be {$1200.00}. 

We recently completed the plan this XXXX, however, we received an 'Urgent ' note on our door telling us to contact Wells Fargo Mortgage, immediately. We also went online and reviewed our last mortgage statement and the last two payments that we made are not reflected on our statement leaving us with a past-due balance of {$2700.00}. 

XXXX, our XXXX, is the representative specifically assigned to our case. We have made numerous efforts to contact XXXX, but have not been able to get in touch with her. We have, however, spoken with at least three other Wells Fargo specialists only to be told three different things. One representative told us that we had only made partial payments and that we still owed almost {$800.00}. Another representative said, that according to information on her screen, we had not made a mortgage payment in 47 days. 

I have attached all the necessary documents to verify that we have complied and made all of the payments of our repayment plan. We would like our account to be credited and brought up to date immediately and we would appreciate your help in facilitating this matter. 

Thank you kindly, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

The inquiries your company placed on my credit report are negatively affecting my credit, and I never gave permission for them.
Product: Mortgage

On XXXX XXXX my husband and I took out a mortgage with XXXX  XXXX  XXXX. Two years later we refinanced the loan with XXXX XXXX  which was sold to XXXX XXXX XXXX  which was sold To Wachovia bank. To make a long story short XXXX  never released the original mortgage lien. We did not have knowledge of this lien until we sold our house 3 years ago and to our shock was informed of it.Obviously the sale of our house fell through. Not only have we paid our mortgage but we have paid thousands of dollars in interest over all these years. XXXX has been out of business for 28 years we feel XXXX XXXX  was responsible for making shure this lien was released therefore shouldnt Wachovia be responsible? We would appreciate any help you can assist us with as this has been terrible XXXX  we are blameless in.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This complaint refers to Account # XXXX opened XX/XX/2011 This account is now over 7 years old and should be removed from mt credit report in all 3 bureaus.
Product: Credit card or prepaid card

This is my fifth attempt at trying to reach a resolution with Chase Bank. 

I notified Chase bank of identity theft several months ago, since i found information on my credit report of cards that were reporting that i have never opened. On top of that they are reporting as derogatory. I notified chase, sent in identity theft information. Chase continues to abuse the FCRA. Does not supply research information, and falsely accuses me of opening account which were opened as a result of fraud. I continue to attempt a resolution with Chase, but it appears Chase will not let victims of fraud open accounts at there institution. I recall XXXX XXXX doing this to consumers a few months ago and they are being investigated and actually have a lawsuit against them for wrongfully closing accounts of victims of fraud. I want Chase Bank investigated as well, and i will reach out to the CFPB by phone to provide documentation. 

Chase bank continues to deny my information proving identity theft. I am sending in Government Documents. The FTC identity theft is here for us the consumers protection to provide proof of identity theft. I want these falsely reporting accounts removed and all liability held to these removed as these were opened from a thief when i lost my wallet and my ID and SSN was stolen. 

I do not have a credit card with Chase and never have.

First of all this has been going on for well over a year and a half now. I have filed previous reports, and the responses that are received from JPMORGAN Chase are proof as evidence of the company not willing to assist in any resolution. In my last complaint to them, i had advised JP Morgan Chase that i am a victim of identity theft, my wallet was stolen previously well over a year ago. I did call in to report it to the banks fraud department. As a result there were four bank accounts opened in my name two checking and two savings accounts. These were not authorized. I never lived at the address they had on file, XXXX XXXX XXXX XXXX TX XXXX. Yet even when providing them with proof of such evidence that i am a victim of identity theft they refuse to care. Also they put in their last response a copy of an email that was sent from my email when it was hacked. I had to go through actual postal service, get my address re changed due to the fraud person moving my address mail. As well as get my email address back after finding this out. I did not open any Sapphire Credit card with you, I did not sign any fraud letters. I did not use these credit cards. I also did not open these checking or savings accounts with your financial institution. Once again i do not care what previous response you have provided or that you are wishing to not respond any further. I did not write any emails to your executive office. That is not my email, and i did not provide you with any information other than my current address. Which it seems per your customer service rep that you apply negative information to consumers that are victims of identity theft.
Product: Debt collection

XXXX XXXX XXXX claims I owe {$760.00} I dont know consumer never taken or borrowed money from consumer
Product: Credit reporting or other personal consumer reports

Victim of XXXX XXXX. Report has been filed along with 605B. XXXX, XXXX, and Transunion have been notified twice about this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX XXXX # XXXX DOB : XX/XX/XXXX
Product: Debt collection

I never received any information about this debt. I have written letters asking for validation with no response. This company has also reported the same account twice, at the same time, to XXXX during a previous dispute. They have committed multiple FCRA violations and XXXX refuses to remove the account. This account has also been deleted from my report multiple times, only to be added again within a day or so by XXXX.