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

On XX/XX/XXXX, I was a victim for Identity Theft ( XXXX Scam ). I contacted XXXX over the phone on XX/XX/XXXX and asked them to lock down my accounts. I visited my local Chase bank in XXXX on XX/XX/XXXX to close my checking and get a new checking account and credit cards. This individuals of group transferred {$16000.00} from a XXXX XXXX IRA account to my Chase checking account. {$1600.00} of that transfer went to the IRA to cover taxes, so Chase recieved a net transfer of {$14000.00} on XX/XX/XXXX. 
I asked Chase to reverse the transfer on XX/XX/XXXX. The transfer was in pending status until in was posted on XXXX. From XXXX to XX/XX/XXXX I was on the phone for hours with both Chase and XXXX attempting to locate the money. XXXX XX/XX/XXXX XXXX was able to arrange a 4 way call with Chase, XXXX XXXX XXXX ( who managed to IRA ) and myself. During that call Chase finally admitted that they had the funds in a holding account and that it would take up to 20 days to process since this was a fraudulent transaction. I attempted to explain to them that this transaction was not fraudulant and it was a result of a request I made to have the funds returned to the account they came from. 
I waited the 20 days and again contacted Chase on XX/XX/XXXX since the funds were still not returned to XXXX. After being transferred 5x and being on the phone for over an hour again, chase informed me again that I need to contact XXXX that the money was returned on XXXX. I again told them that was not possible since Chase told myself, XXXX and XXXX on XX/XX/XXXX that they had the funds in a holding account. 
After hanging up with Chase I contacted XXXX on XX/XX/XXXX and let them know what I had discussed with Chase. XXXX again intiated a XXXX call with Chase. The rep from Chase indicated they could not accept a 3-way call and I infomed her we just had a 3-way with her department 2 weeks earlier. We continue that call with her with no success and I asked to speak with her Manager. We werre connected to her manager and continued the call. We were talking a XXXX in the Claims Department.Chase indicated they could provide a return code and then lated admitted they did not have one.XXXX  indicated a return code was an internal Chase number and would not help them track the transaction any way. Chase also indicated they have no trace information after XXXX asked them for a trace number. Chase now says they do not have the funds and they have no record of a rejection on XXXX. XXXX said she ha no more information for me and that I need to put a request on the Chase on line as the next step. XXXX asked Chase for a XXXX reference number for the transaction. They said theyhad no information on the return. Chase opened up a contact ID number of XXXX and told me to call back in 48 hours. 
As of today I am out the {$14000.00} GChase removed from my checking account and I need to keep chasing Chase for a resolution. I am further behind where I was on XXXX.
Product: Debt collection

On XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, Chase Bank emailed me notices attempting to collect a time-barred debt that was charged off on XXXX. The statute of limitations expired on XXXX. I sent a Cease & Desist Notice in a reply email, asking them to confirm in writing confirming that they have agreed to cease and desist all collection attempts on this account due to illegality.
Product: Checking or savings account

After having been a Bank of America customer with an opened checking account for years, though it is not my main checking account or one that ever has a lot of money in it at any time, I suddenly received an email that there will be a monthly {$12.00} fee, that I can only avoid by using Bank of America products I do not have, do not want, and do not need. 

Here is the sudden email I received on XX/XX/XXXX : " A $ 12 monthly maintenance fee will apply to your Core Checking account beginning with your statement cycle that starts on or after XX/XX/XXXX. ''
Product: Credit card or prepaid card

I disputed the information with  XXXX ,  XXXX , and  XXXX  that the information is not matching up that Kay 's Jewelers is reporting on   XXXX   XXXX   and  XXXX   XXXX   XXXX   XXXX   The information came back verified with All  XXXX  bureaus both times. They all stated I have to contact original creditor, Kay Jewelers. On   XXXX   XXXX   XXXX   Kay received my letter  XXXX . They have not responded to my letter/request or acknowledged receipt of my letter. They are not in compliance with the provisions of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following error still remaining on my report. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes TransUnion Credit bureau is currently still reporting XXXX XXXX XXXX - XXXX an inaccurate account on my report, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX and XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. TransUnion is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.
Product: Mortgage

Concerns Regarding Escrow Tax Payment Delays and Shellpoint Communication Practices I am submitting this complaint to raise serious concerns regarding the handling of property tax payments through the escrow account for my mortgage, which I share with a co-borrower. On XX/XX/year>, Shellpoint Mortgage Servicing sent an email to my co-borrower, informing them that the property taxes would be paid within XXXX to XXXX weeks of their due date. 

This email presents several issues : Delay in Tax Payment : The email indicates that Shellpoint will pay our property taxes up to XXXX weeks after their due date. This delay introduces the risk of penalties, interest charges, or other financial consequences, which could negatively affect us as borrowers. 

Unclear and Incomplete Information : The email provides an estimated payment amount but does not explain how this figure was calculated or why Shellpoint is uncertain about the final amount. 

Lack of Transparency and Consumer Guidance : The email does not clearly outline borrower rights in the event of late payments or errors. It also fails to provide regulatory contact information for escalation if a dispute arises. 
Actions I have taken include reviewing previous escrow statements and seeking clarification on whether prior tax payments have been made. The communication raises further doubts, as it conflicts with previous notices from Shellpoint.
Product: Credit reporting

I tried to dispute this information on Experion 's website according to the procedure they themselves give you to follow, but - as usual - the site did not allow me access to their services.
Product: Checking or savings account

I went to the local chase atm XX/XX/22 around XXXX. Deposited all of my money ( literally every last dollar ) and the atm glitch after taking my cash deposit. The gear spinned for about XXXX minutes. It then showed the screen in the picture I attached. Telling me to call chase if I didnt see my deposit. I didnt see my money in my account so I called the number provided and the representative told me that claims was closed and I would have to call back in the morning. I called claims directly as soon as they opened XX/XX/22 and made the claim. The representative told me it can take up to 10 days to get a response or even see a temporary credit but its usually much sooner. I called back XX/XX/22 checking the status and that representative told me its in the Finance departments que for approval so it should only take XXXX business days. Called back XX/XX/22 for an update because like I stated, I deposited all of my money into the atm and with XXXX kids at home, waiting another two weeks isnt going to work. The initial representative just kept repeating I had to wait and would not transfer me to her supervisor. After telling her several more times, she finally transferred me and that took another 20 minutes. The supervisor researched about 10 minutes the first hold she put me on then continued when she took me off of hold and told me Im not going to risk losing my job to approve a temporary credit for your account. Im not saying youre lying but I cant see your atm transaction so I have to wait until our 3rd party atm vendor counts the money and gives us a report but we dont have schedules for when they empty atms I told her pull the cameras, you will see my car, and I even reached out of my car! But she just kept repeating she wasnt going to lose her job to help me and I had to wait. I informed her I had no money and was unable to go grocery shopping, had to cancel doctors appointments, And would have to cancel my daughters birthday party and all she said was well there is nothing I can do.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

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 XXXX
Product: Credit card or prepaid card

In  XXXX  or  XXXX  I opened a  Sears  credit card account, used it once initially and paid it off and did n't use it again until  XXXX  of  XXXX . Accrued a balance of ~ {$130.00}, paid it down to ~ {$50.00} in  XXXX   XXXX , the next time I logged on to the credit card management website it said that my balance was  XXXX . I did not keep track of how close my balance was to  XXXX  so I just figured I had paid it off already and did n't need to bother looking at it again. Around  XXXX   XXXX  I received an email from  Sears  saying my account balance was overdue, so I log in and there is a  Sears Mastercard a ccount ( in addition to the original  Sears  Card account I had applied for ) with a balance of about {$95.00} :  XXXX  was transferred from my old account, and {$27.00} late fees x2.  XXXX   XXXX  was the first time I discovered the existence of this account, the first time I was aware that a previous balance was transferred over to it, the first time I knew it was overdue for  two  consecutive months. I then get an email from a credit monitoring service I pay for through another credit card and see that my  credit scor  XXXX  had dropped nearly  XXXX  points for a delinquent account. I do n't even have a physical copy of this card.     I spoke to Sears customer support today on the phone and they insisted they sent out mailers and the card to the address on file and said there was nothing I could do because of that and the fact that they had never received any returned mail.     My problem is that a new credit card account was opened in my name without my consent instead of being " upgraded '' like  Sears  customer support said it would be, and balances were being transferred to it without my knowledge or receiving any indications or notifications of anything happening and now my  credit score is significantly damaged because I did not make   payments on an account that I did not know was even open under my name until 2 days ago.     Attachments :  1. Sears credit card management page - shows nothing in recent activity to include the transfer between this account and the new one opened without my consent 2. S ame page as picture above showing the last statement available to me being the  XXXX  from  XXXX   XXXX .    XXXX .  XXXX   XXXX  statement 4. Enrolled in paperless statements AND letters - never received any emails about any changes to my account.
Product: Credit card or prepaid card

On XXXX XX/XX/2020 I ordered online an item to Walmart. I included a warranty service for three years. The item was shipped without the warranty and was charged only for the item ( a XXXX  '' XXXX XXXX ). I was not informed and realized only when the Capital One credit card charged for the laptop. I contacted Walmart and they did not completed a depth investigation and referred me to the seller XXXX ( Third Party ). They contacted XXXX  and returned the item. I never saw the item. I was promised by Walmart and XXXX to refund me the charge. On XX/XX/2020, Capital One applied an adjustment for {$44.00}. On XX/XX/2020 I was charged again for the same charge of {$400.00}. I contacted them and their response was the seller provided " additional information ''. I contacted the reseller and Walmart again. They promised investigation and Walmart and escalation. I still have the charge for {$400.00} and no answer or updates.
Product: Credit reporting or other personal consumer reports

Please read this complaint carefully, there are credit inquiries on my report which I don't recognize and it is XXXX me out. I did not authorize this nor given consent to these company to access and use my credit report.
Product: Money transfer, virtual currency, or money service

i put furniture for sale on XXXX XXXX. XXXX contacted me stating he was moving from colorado and his company was paying for the relocation. He emailed me a check of XXXX and he instructed me to deposit it to my account via my XXXX XXXX. He asked me to pay his " movers '' and for me to keep the {$700.00}. He asked me to send {$1400.00} to his movers via XXXX at email XXXX and he confirmed with me movers would be at my house sunday for pick up. Sunday came around and he texted me that afternoon he son was in the hospital, needed emergency XXXX and will not be relocating at the moment. I told him i would send him back {$700.00} for his purchase. he asked me to send XXXX via XXXX to XXXX, in which i did.Five days later the check bounced and the bank took XXXX and is not considering it fraud because i was the one who deposited the check. Chase has not been helpful at all in my situation. Check Issued was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX BANK IS XXXX XXXX XXXX ACCT # XXXX. I DONT KNOW IF ROUTING # ARE XXXX OR XXXX ( both are on the bottom of the check )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining against Experian credit bureaus regarding the alleged account with XXXX & XXXX. This bureau and XXXX XXXX have repeatedly ignored my request for debt validation and proof of this alleged debt with XXXX & XXXX. 

I sent both parties a request to complete the about investigation and show how the account was validate if it come back verified on the following : XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX Now of these letters have been address, but my reports show this account charged off with a balance which is illegal. The account is filled with error, inaccurate, incomplete and unverified information.
Product: Student loan

I had filed a complaint against Navient ( student loan company ) with CFPB XX/XX/XXXX. Through CFPB, Navient responded ; however, I later understood the response to be related to a bankruptcy filing, which Navient, in their response, stated : " The Administrative Forbearance placed on your account is in connection with a nationwide class action lawsuit, under an Agreed Order which is pending in the U.S. Bankruptcy Court for the Southern District of Texas. '' I did not and have not filed for bankruptcy at any time in my adult life. I was not contacted about a bankruptcy lawsuit and the forbearance placed on this account by Navient or any other party associated with Navient. My XX/XX/XXXX complaint against Navient was in relation to the 39-state settlement reached with the states ' AGs in regards to Navient 's offshoot company Sallie Mae 's predatory student loan lending practices. I was primary on this loan and therefore should have been alerted to a bankruptcy filing and forbearance status placed on this student loan. Please see my XX/XX/XXXX complaint below. This complaint is based on the 39-stated settlement reached with the states AGs : XX/XX/XXXX complaint filed with CFPB " Navient has reached a 39-state settlement to clear student loans for thousands of students due to the attorneys general litigation via Navient 's ( offshoot of Sallie Mae ) predatory student loan lending practices. I took out such a loan in XXXX but did not attend for more than a few weeks due to a job offer and relocation to a different state. I tried to reach an amicable resolution with the lender but was not able to and the loan has increased from XXXX to XXXX. No payments have been made in several years, however the loan is being reflected as paying as agreed -- I suspect this may be in light of a stipulation in the 39-state settlement agreement. I have disputed the loan based on the press release and news reports of the settlement, but the credit bureaus are sticking with Navient 's claim that the loan stands. Please help me get this resolved and cleared from my credit report via part of the recent settlement agreement. The school I attended is on the list in the settlement. Thank you. '' XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Vehicle loan or lease

Vehicle was traded in and the dealership paid off the loan. Finance company posted payment to wrong account and has sent to collection stating Im behind payments. They are aware of the problem and have not corrected for over 3 months
Product: Credit reporting

I would like for Equifax to take this mortgage off of my credit file. I had my attorney review my credit report and he was the one who discovered the XXXX XXXX as the creditor for this mortgage on my credit file. I do not have a mortgage nor have I ever had a mortgage, take this information off of my credit file immediately.
Product: Money transfer, virtual currency, or money service

Im associated with XXXX. I initiated a mobile check deposit on XX/XX/XXXX I was told 5 to 7 business days it would be funded. Seven days come around I contacted customer support and I have been for several days. They keep telling me the same thing my moneys still not posted. I cant take my check anywhere else to get cash because Ive already sent it to them. My money is still not initiated and its now XX/XX/XXXX. They keep telling me wait till the end of the day and nothing is being done. I cant talk to a person. They keep giving me the runaround. They keep telling me to be patient. Its way past the day that I shouldve had my money. They need to fix this. I have taken pictures of all of the conversations that Ive had with him. Its always the same thing nothing is getting done. And my money lost in space.
Product: Checking or savings account

Opened a personal checking account with Wells Fargo with a promotion/incentive. Met all the requirements but did not get the promotion bonus paid.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not initiated any transaction with your COMPANY. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with yor company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, 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 Account # XXXX XXXX XXXX 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 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.