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

I received my first NSF fee with Chase bank in  XXXX , and on   XXXX   XXXX   I called and spoke with a representative who advised me that I should turn OFF the everyday Debit protection service. I did so. She explained to me that this would only prevent overdraft/NSF fees related to " same-time/instant POS payments using my card at a merchant '' I asked her to clarify further as to whether or not a  XXXX  withdrawal, or scheduled credit card payment, for example, could trigger a fee still, and she said that YES - even though I had turned off everyday debit protection, I would still be charged fees in the event that I had insufficient funds to pay for a scheduled debit transaction.     I complained to this agent directly on the phone on this phone call, and after I explained that her saying  " Chase can n ot control whether or not we process these payments '' was total nonsense ( my counter example was - " what if I had a scheduled debit transaction for {$100000.00} but I only had {$5.00} in my account? You 're telling me  Chase would  process that? '' ) she finally relented and said that she would leave a note in the system saying that I was not to be charged any further NSF or overdraft fees and should be made eligible for a refund if this should happen again.     Later in the year, I had another NSF fee, and it was waived no later th an 60 seconds after I started explaining what had happened.      Now,   XXXX   XXXX   XXXX  , I have tried to ca ll Chase to have  XXXX  (  XXXX ! ) NSF fe es waived, which I did not even see until yesterday as I was camping with my family.     I first called tonight at approximately   XXXX   XXXX   PT and spoke with a level  1 representative. She said she tried to process the refund but her system would  not let her process it. I was then transferred to her supervisor. He said he tried to process the refund, but was unable to. He then told me he would leave a note on my accounting saying to refund me {$100.00} if I call in a year ... A YEAR! ( After the  12-month r olling NSF refund limit rolls off ) I requested to speak with his  manager, in the hopes that the manager would be able to just credit me the refund I was told I would get NOW rather than making me wait a yea r ( I am a  XXXX  and this is my student loan money ) The " hea d manager of Cu stomer Service in the  XXXX  '' named  XXXX  tried to process the refund but was unable to. He also told me that if I called back in a year they would refund me the money.     Worse -  XXXX  told me that the agent I spoke with in   XXXX   lied to me. I said, " Okay, well she said she left a note on the system, can you please check that? '' and  XXXX  said there was NO note. Now I was upset ... I asked  XXXX  to pull the call recording and he said that they are not able to pull call recordings older than 30 days now.     How convenient, no w Chase only has  to wait 30 days to renege on their promises to customers and take more than they gave anyway.
Product: Credit reporting or other personal consumer reports

After numerous attempts to have this fraudulent account removed from my credit reports XXXX Bank refuses to remove it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 US 1681. 
XXXX : # XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

XX/XX/2024 - Amazon order # XXXX. 
XX/XX/2024 - Amazon Return Authorization Id. XXXX ( Amazon insisted they will send XXXX driver pick-up ) XX/XX/2024 - XXXX driver pick-up the original package containing the XXXX XXXX weight XXXX. pick-up slip provided. 
XX/XX/2024 - XXXX proof of delivery to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/2024 - Chase Amazon Credit Dept. letter claiming charge of {$430.00} after I submitted all the documents of my dispute online. Unfortunately, there's no way to attach them here. 
XX/XX/2024 - Chase Amazon Credit Dept. letter claiming charge again. I called them they acknowledge my return documents proof were received and did not provide a resolution of my dispute. 
XX/XX/2024 Amazon Customer service emailed me indicating that Amazon has refunded my purchase after receipt of my return # XXXX. In XX/XX/2024, I ordered the XXXX XXXX XXXX XXXX ( {$430.00} ) and a wrist band ( {$53.00} ) - order XXXX. The watch doesn't pair with my Android phone. I went to the XXXX XXXX XXXX XXXX, XXXX XXXX to talk to the technical staff ( Genius ). Two of them verified that the XXXX watch doesn't work with the XXXX phone. Order detail is attached. 
# XXXX. In XX/XX/2024, I called Amazon and Amazon provided me with the Return Authorization Number : XXXX. AMAZON INSTRUCTED ME THAT THE ITEM MUST BE PICKED UP BY UPS DRIVER AND TOLD ME THAT UPS WILL PICK UP IN 2 DAYS. AMAZON REFUSED TO PROVIDE ME THE RETURN SHIPPING AND QR CODE. Amazon provided me with the QR code and return shipping for the 2nd item - AXXXX XXXX XXXXXXXX ( Amazon provided the return email with the QR code. {$53.00} credited after personally returned the item to XXXX XXXX XXXX XXXX booth ). I returned it to the XXXX XXXX  drop-off location and the credit was processed properly. 
# XXXX. In XX/XX/2024. XXXX driver arrived to pick up the package containing the XXXX XXXX packaged in the original brown box and provided me the pick-up receipt as attached. 
# XXXX. In XX/XX/2024 XXXX proof of delivery from XXXX tracking online. 
# XXXX. In XX/XX/2024, I received the XXXX letter from Chase Amazon credit card and called them. The Chase credit card customer service requested I upload the proofs of XXXX driver pick-up. I even tracked the package on XXXX tracking and uploaded the UPS proof-of-delivery showing it was dropped off to the shipper in XX/XX/2024. 
# XXXX. In XX/XX/2024, I received another letter from Chase Amazon credit card. They confirmed that they had received my XXXX driver pick-up proof and the proof of delivery I tracked from XXXX. 
# XXXX In XX/XX/2024 I have received email confirmation from Amazon Customer Services notifying me the return has been received and the refund has been issued.

Chase Amazon credit card still insisted that the charged was valid.
Product: Money transfer, virtual currency, or money service

I am writing a complaint about Citibank Risk Management and Retail services. On XX/XX/XXXX I was scammed through the internet and on the phone. I have filed crime repots with the XXXX Police Department ( XXXX XXXX ), the FBI and the XXXX XXXX Police ( Cyber Crime Reference number XXXX ). The criminals took {$400000.00} from our accounts including {$200000.00} from an equity homeowners line of credit. 

The scam started with my request for a refund from an internet software company, XXXX and XXXX. The request for a refund registered {$200000.00} instead of the {$200.00} I was requesting ( obviously a scam ). They told me and showed me on my Citibank account that they had transferred {$200000.00} into my checking account. This must have been a screen shot or a picture because my checking account did not have the {$200000.00} balance. I went to the bank and wired transferred the {$200000.00} to the scammer in XXXX XXXX. The next day they said the XXXX XXXX bank did not receive the money so I thought I wired another {$200000.00}. I did not know that they transferred the {$200000.00} line of credit from my home equity account into my checking account. In addition, they transferred an additional {$130000.00} ( severance ), and {$50000.00} from other accounts. No one at the bank at any time questioned the transfer of {$200000.00} from my home equity line of credit to my checking account and subsequent transfer out of the country. They never questioned my release of {$200000.00} for the transfer of an additional approximately {$200000.00} for a total of {$400000.00}. No one questioned the conversion of the line of credit that had not been used in over 5 years. 

What about the anti money laundering rules? Why did the bank not contact us when a huge amount of money was withdrawn and transferred from our accounts including the home equity line of credit? 

My other bank would have notified me of potential fraud. I received no notification from Citibank or their Risk Management or Fraud Divisions.

I went to the bank on Wednesday to report the scan and block the account. At that time I found out about the use of the home equity line of credit. The Bank Manager told me I had to pay back the line of credit because the transfer was completed on line. Citibank has responsibility to notify me of potential fraud and they did not do so. 

I can not even reach anyone at Citibank to discuss the case. It is my belief that Citibank did not exercise appropriate risk management and anti money laundering procedures and should be required to make restitution.
Product: Debt collection

In XX/XX/year>, I became XXXX  and was already struggling financially. I went through a period of prioritizing necessities and soon began receiving daily calls from my creditors, which caused me immense stress because the amount of calls i was getting was XXXX times a day from the children 's place collections. I learned about financial hardship programs and contacted my credit card companies, specifically Ulta and Children 's Place, both of which are through Bread Financial. 

During my discussions with them, they explained interest rates and payment amounts, but at no point did they inform me that entering a financial hardship program would result in my account being sent to collections and reported as late. I received a letter stating that I couldnt have XXXX accounts in financial hardship, so I understood that clearly. However, they continued to withdraw my automatic payments as we discussed. 

After getting a new job, I focused on my credit and repayment plans. Despite making payments, I discovered that I now owe nearly {$800.00} on a card that started with a {$500.00} limit, primarily due to unexpected fees. It seems I was considered late on payments, and Im being charged an additional {$41.00} each month. I didnt check my statement closely because I was on auto-pay and assumed everything was in compliance based on my conversations with them. 

My Target Red Card shows on my credit report that Im in a financial hardship plan, but my Ulta and Childrens Place accounts do not. There are late payment marks on my credit report from those accounts, but not from the XXXX XXXX, which suggests inconsistent reporting. 

When I try to resolve this, I often get stuck in a call center loop with generic responses. I had to interject during calls just to get my account number, and I'm frequently placed on hold for extended periods. After drafting a dispute letter for my Children 's Place account, I received a generic email response about my Ulta account, but it didnt address my concerns. 

I want to dispute the late payments and fees and establish a reasonable repayment plan. It feels like I'm being ignored despite my efforts to communicate. Ive tried to do the right thing during a tough time, but I'm facing significant obstacles and poor treatment. I just want to settle my debts without the added late fees. This experience has been incredibly frustrating, and I believe their operations are unfair.
Product: Credit reporting or other personal consumer reports

IT APPEARS THAT THIS ITEM XXXX HAS TURNED INTO A CHARGE OFF... 
XXXX XXXX XXXX BUT I NOTICE YOU NEVER SENT ME A 1099C FOR CANCELLATION OF DEBT OF THIS ITEM, DUE TO MY FINANCIAL HARDSHIP. 

If the file isnt removed you will be sued for {$1000.00} per item.15 USC 1681n ( Civil Liability )
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO XXXX FOR VERIFICATION.

Again, if you fail to immediately remove inaccurate, incomplete, or unverifiable information, be advised that I intend to log a complaint against you with the Federal Trade Commission and the Consumer Financial Protection Bureau
Product: Debt collection

I received a voicemail on Friday XX/XX/XXXX stated in being served. I called today XX/XX/XXXX twice once at XXXX XXXX  and once at XXXX XXXX. When I called they said they where attempting to collect a debt from Chase visa bank. Date of unpaid credit card debt XX/XX/XXXX. It didnt sound right so I asked if I could verify who they where. XXXX XXXX XXXX. They said theyre from XXXX California and they would go after anything like automobile, money in my bank as well as garnish my paycheck. After soon research online I realize my account had a statue of limitation. So during my second call I asked about it and XXXX said be a man and pay just pay. When I said I was reporting him he hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial is illegally reporting information without my expressly written consent or appropriate notification. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires that any institution that must provide written notification of furnishing any negative information to the credit bureaus. I have no records of any written notification made in the appropriate timeframe.

If GM financial is unable to provide proof of timely written notification, I demand that any and all negative information ( I.e. late payments ) to my credit report be removed.
Product: Debt collection

This is my second complaint regarding this company. Midland Credit Management who has sent this to XXXX XXXX XXXX XXXX, XXXX. They are requesting me to pay XXXX to them regarding a XXXX XXXX XXXX  XXXX XXXX XXXX. Back in XXXX of 2020 I received correspondence from Midland Credit Management stating I owed them. I then responded XX/XX/2020 requesting them to provide proof bearing my signature showing I have or ever had some contractional obligation to their company. Their response was dated XXXX XXXX they could not find any records of me. I then receive a letter from XXXX XXXX dated XX/XX/XXXX. I explain that Midland had 30 days by law to provide me with proof. And they failed. I then sent them my letters and asked to please comply with the laws. I also received a letter from XXXX XXXX XXXX  stating I no longer owe them anything. I now have received a summons from XXXX XXXX that was delivered to me XX/XX/2020. But was filed on XX/XX/2020 and received by the court XX/XX/2020. I feel this is retaliation because I filed a complaint with your company and the Attorney Generals office.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX  XXXX Balance {$19000.00} XXXX XXXX Balance {$2900.00} XXXX XXXX XXXXXXXX {$5800.00} DPT EDXXXX XXXX Balance {$0.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.
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 U.S.C.1681 XXXX, XXXX ACCT # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) 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.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have removed these. ACCOUNTS : Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX XXXX, XXXX, XXXX, and Equifax.
Product: Credit card

A Synchrony Home Mattress Firm credit card was opened with a joint owner in the middle of XXXX. On XX/XX/27 I activated my card, but the joint owner was told her information did not match any records on both the website and on the phone. The joint owner called in and was told only the primary cardholder can have a login. When we logged in with my credentials it asked to confirm the last 4 of the user 's SSN. We tried entering hers and it gave an error that it was incorrect. 

I called in and was told that the joint owner can not create a login, was not given an answer when I asked how we even knew the joint owner 's information was correct on file, and was told explicitly I needed to share login credentials with the joint owner. I have another card with Synchrony, but I was still told that I must share login credentials. I asked to speak to a supervisor and was transferred to a number that was not in service and was hung up on. 

The joint owner does not have access to account statements, no ability to limit the personal information shared outlined in the privacy policy, and no way to make payments. We had to check XXXX XXXX to see if they even got her information entered correctly. The account was showing up so it appears that they do have the correct information on file ( we hope ). 

I'm at a loss for how to proceed when everything on their website and app says her information does not match anything on their records, and the representative is advising me on a recorded line to share login credentials for a financial institution and then hanging up on me when I try to escalate.
Product: Mortgage

To Whom It May Concern : I was put on a loan modification in XX/XX/2014. I paid XXXX payments. The second payment was a partial payment. 
I spoke to Flagstar Bank representative XXXX XXXX in your XXXX Florida Call Center. I told her it would be paid from my next paycheck. She said do n't worry about it. I 'm going to work on something else for you to lower your payment. I filled out all the required paperwork. When XXXX XXXX came, instead of receiving a lower mortgage payment, I received a payment schedule to start in XXXX XXXX raising my mortgage payment by {$400.00}. 
We have a unique situation with an XXXX year old XXXX daughter, who in the long run, her health might be negatively affected by not working something out with Flagstar Bank. 
The bank keeps saying I did not make a payment since XXXX, but that is simply not true. 
I would like a response to this message. 

Thank You.
Product: Payday loan, title loan, or personal loan

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account SELENE FINANCE LP # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and A Opened XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  inquiry, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX have violated my rights pursuant : 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.