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

On XX/XX/XXXX I submitted an online application for the Chase XXXX XXXX and responded promptly to two emails for further verification XX/XX/XXXX and XX/XX/XXXX. 

As instructed, I uploaded copy of my drivers license and recent utility bill in response to the first email and mailed a copy of my drivers license in response to the email received XX/XX/XXXX. 

I was also emailed five or times to review letters in my online account application. Prior to XX/XX/XXXX, none of the letters appeared in my online account. 

Per conversation with customer service, Friday XX/XX/XXXX, I was informed that my application was denied because the balance transfer I authorized with the application could not be verified. ( Verification was submitted two times ). 

With further discussion that Chase has issues with interfacing technology and that my application was not accessible to remove the balance transfer request, I was advised to submit a second application without a balance transfer. 

When I contacted customer service the following week XX/XX/XXXX, I was informed that the XX/XX/XXXX application was auto declined because the recent XX/XX/XXXX application was declined and that additional verification was needed. 

On XX/XX/XXXX the Relationship Banker at a nearby local branch transmitted imaging of my Drivers License and requested expedited reconsideration explaining the circumstances of the declined applications. The Chase associate he contacted advised that I would receive a decision in one to two days. 

A week later XX/XX/XXXX, the applications were still in reconsideration status pending further verification. Per conference call with the local Chase XXXX and the department he contacted, the mailed copy of my drivers license and the XX/XX/XXXX transmitted imaging of my drivers license were still not in my file. 

With resignation that all efforts to verify identity were exhausted, I notified customer service XX/XX/XXXX to discontinue any further consideration, that I was hereby withdrawing and canceling the applications.
Product: Mortgage

I put in several mitigation packets to modify my home payment.They have told me several times that I did not make enough income. Even with my spouse has Increased In work hours as well as I.
Product: Checking or savings account

On XX/XX/2022 there was a payment made to a account I did not recognize of {$440.00} to XXXX XXXX XXXX which was supposed to go to XXXX XXXX XXXX instead. I am not sure how the payment was made because to my knowledge I was set up on a promise to pay. When I realize the payment was made to the incorrect bank I contacted the bank and made them aware to cancel the pending payment. However, they stated that I had to wait until the transaction was settled than to report the issue. Once, the transaction settled on XX/XX/XXXX I reported the issue. I spoke to multiple repsetnatives that could not give me a direct answer on the reason why the claim was denied. I submitted screenshot from my bank XXXX XXXX stating that they never received a payment. I also called the merchant on 3 way and they stated that it was applied to the wrong account and I would have to go to my bank to refund the amount. When the claim was denied to they provided me with an explanation that there was a {$100.00} transfer from my savings to my checking around the time the payment was taken, which has nothing to with the transaction that was made to the wrong account. I have never dealt with a bank that can no explain the resolution. Please see the explanation that was provided : We reviewed your claim and determined that there was no error that occurred based on the following supporting information. 
XXXX it has multiple funding event an example occurred on XXXX XXXX amounting for {$100.00} minutes prior and the said funding event is anticipated to the disputed transaction. 
No suspicious deny code related to the specific disputed transaction. 
No PII changes and no sign of XXXX during the disputed XXXX  timeline. 
No fraud alert indication during the disputed XXXX  timeline The transfers were made to prepare for the promise to pay for XXXX XXXX  NOT XXXX XXXX. But what does that have to do with the transaction itself. I don't understand the outcome. Chime is not making me feel like my money is safe with them when it comes down to a error made on a account. There is no one to speak to directly in reference to the issue for an explanation. If there was proper investigation was done then there would have been some contact with the merchant and there was none according to the documentation they provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid XXXX XXXX Card in full for 2 accounts held after going thru a financial crisis. it has been more since XX/XX/2017 and XX/XX/2017 that  these accounts has been paid. they have failed to update my payment status to paid or delete the file as requested upon payment. i have XXXX XXXX multiple times i have called the collection agency XXXX XXXX XXXX begging to update this information i have send disputes to XXXX  XXXX and XXXX  and the fail to update or remove my credit files. i've paid in good faith to redeem my good reputation after my hardship. this is greatly hurting my process to buying a home
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX Balance Owed : {$3700.00}.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to respectfully appeal the permanent limitation placed on my PayPal account with the email address XXXX. 

First and foremost, I believe that this limitation may have been imposed in error. I have always strived to use my PayPal account in full compliance with PayPal 's policies and guidelines. I have not engaged in any activities that would warrant such a severe action, and I take my responsibilities as a PayPal user seriously.

I kindly request that PayPal conduct a thorough re-evaluation of my account and the circumstances that led to its permanent limitation. I am confident that upon review, it will become evident that I have not violated any PayPal policies.

Having relied on PayPal for my online transactions and payments, the permanent limitation of my account has caused considerable inconvenience and disruption to my financial activities. I humbly ask PayPal to reconsider its decision and, if possible, to reinstate my account, enabling me to resume using your platform for my online transactions.

I understand that PayPal 's primary concern is to maintain the integrity of its platform and protect its users. I assure you that I share these same goals and am committed to using PayPal in a responsible and compliant manner.

I kindly request that you provide me with an opportunity to address any concerns or issues that may have led to this limitation, and I am more than willing to cooperate fully to resolve this matter.

I appreciate your attention to this appeal and kindly ask for a prompt review of my case. Restoring my PayPal account would greatly alleviate the difficulties I am currently facing.

Thank you for your understanding, and I look forward to a favorable resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit card

I have made several payments to Macy 's that are not reflected in the account balance. Further, i closed this account over XXXX & XXXX years ago with a statement balance of XXXX. Again, I have made payments that are not being deducted from the account balance. I have consistently paid this account fearing a bad credit rating however, I fear that as a senior citizen I am being taken advantage of. I have contacted Macy 's several times and consistently encounter customer services representatives who do not adequately speak XXXX and are unable to understand and address the problem. 
Please help.
Product: Checking or savings account

On XX/XX/XXXX Chime had locked my account for unusual activity, my acting balance at that point was {$32000.00}. I did all the necessary paperwork and showed proof of my transactions and that the money was from my tax refund. I had sent in the files through XXXX.
Product: Credit reporting or other personal consumer reports

I have been unable to view credit score and report from Equifax which includes other websites like fico score in regard to Equifax credit. They have recently stated that even though they have access to both my social security and Drivers license, my credit is on hold are refuse to remove hold even with a verification of my identity. While I am able to dispute some incorrect information, others I have to call in and am given a hard time continuously having to dispute other information that other bureaus have corrected. There investigation takes less than 24 hours with little to no change and no update to what has been done.
Product: Checking or savings account

Hello, OnXX/XX/XXXX, I received a targeted promotion for opening a checking account. The offer is attached as " Citi promotion.pdf ''. I opened the account and met all the requirements to receive the {$200.00} bonus. This targeted offer contains all the terms, as well as the promotional codes on page 4. 

The promotion can also be viewed via this link below ( as well as the backup below it ) : XXXX XXXX XXXXXXXX? XXXX https : XXXX : XXXX? XXXX XX/XX/XXXX-Citi Representative stated that I have met all the terms for the promotional bonus, and to wait 5 more days for it to post XXXX-Reached out to Citi again, and they asked for the promotional code associated with the offer, as they could not find any offer tied to my account. Every representative I spoke with could not find the promotional codes ( XXXX ) I had received within their system. The final result was for the representative to file a promotion dispute, which was done. 

XXXX-I followed up again with Citi, and the representative said that the promotion dispute could be aided by emailing a copy of the targeted offer to XXXX, along with the case number, my account number, and full name. I did this. 

XXXX-I followed up again twice with Citi, and both representatives said that the alias " XXXX '' is for debit card disputes. This meant that the action I took on previously was ineffective. Their response was that there was no email address I could send the targeted offer to in order to aid the case. After calling back a 3rd time that evening, the representative I spoke to did open the case back up, and said that someone from their back office would reach out to me, with no timeline given. At this point however I have gone through too many hurdles, many of which have amounted to nothing in the end. 

Given the tiring and inconsistent experience I was receiving, I'm hoping by submitting this complaint that the targeted offer can finally be viewed by Citi as an appeal to the result of the promotion dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my report, I noticed Equifax still reporting in inaccurate information. The following accounts are fraudulent. Equifax is the reporting agency who keeps saying its verified. How can Equifax verify a fraudulent account. 

1. XXXX XXXX ( XXXXXXXX XXXX ) {$350.00} Ive never done business with this company or entered into a signed contract. Its fraudulent!! 
2. XXXX XXXXXXXX ( XXXX ) Ive never done business with this company or entered into a signed contract. It Fraudulent!! 


Please See Attached Ftc Report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts only reportimh to Equifax that are inaccurate. Ive contacted Equifax on several occasions but theyve failed to resolve this issue. Im in the process of purchasing a home and my debt to income ratio is higher than it realistically is due to this error. Im trying to have this resolved immediately. The accounts and their balances are listed below. 

XXXX XXXX XXXX  XXXX reporting balance of {$5500.00} & its been paid off since 2020. 

XXXX XXXX reporting {$30000.00} & thats incorrect because it should be showing a balance of 0. 

XXXX XXXX reporting {$36000.00} & thats incorrect because that account should have a {$0.00} balance as well. 

XXXX XXXX card showing {$900.00} & thats inaccurate also.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$13.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX XXXX {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, and US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the unauthorized access and handling of my credit information by the entities listed below. In accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, consumers are entitled to privacy and confidentiality in the handling of their personal credit information. Consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer.

As the lawful owner of my credit information, I assert that any entity seeking access must do so with explicit authorization and solely for permissible purposes. The following entities have violated my federally protected consumer rights by improperly accessing my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report without my explicit written consent. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure that credit reports are accessed only for legitimate and permissible purposes. The lack of compliance by these entities constitutes a breach of federal law.

Additionally, any negative items reported on my credit file by these entities must be immediately deleted from XXXX. The handling of my personal information by these companies may also constitute a violation of the Privacy Act, which requires that personal data be accessed and used only for legitimate and authorized purposes. 

The resulting inquiries and unauthorized access have caused significant harm to my family and me, including XXXX XXXX and damage to my financial reputation. I respectfully request that this matter be investigated promptly and that all unauthorized inquiries and associated negative items be removed from my credit reports. 

Thank you for your attention to this matter. I appreciate your efforts in ensuring that my rights under federal law are upheld. Please feel free to contact me
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed/updated. 

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ICSYSTEMS would verify the debt. So I took it upon myself to ask ICSYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Checking or savings account

I have since XX/XX/2016 tried to open a checking through several banks known and small and also credit unions through XXXX jobs and personal and however always being denied. I have requested a consumer report. No one has gotten back to me. I also have requested paid through various websites as I will proceed further, it was false get all in one credit 3 scores report or free credit report that was a lie also. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. I have yet to open a checking account since 2016. Although prepaid is an option, I see its a gimmick to get minority to settle less with high end fees. No one may have have complained. However I am. It depletes my score even with in house mailers that state invite promo code. Its a scam as robo caller that does nothing and blocks important pertinent calls and to no unveil phone company can not unblock. I literally went with {$400000.00} and was turned away savings and checkings. I disputed and requested file and history. Nothing I was told. What is going on? I will hold all FDIC bank denials accountable second chance included. Although I tried there is nothing found i was told repeatedly. How do I dispute something not there???
Product: Credit reporting or other personal consumer reports

Re : Request for Deletion of Accounts and Block of Inquiries I am writing to formally notify you that I am a victim of a data breach and to request the immediate blocking and deletion of all accounts and inquiries associated with the breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the details of the affected accounts and inquiries that need to be blocked and deleted : ACCOUNTS 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 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: Checking or savings account

I went into labor on XX/XX/XXXX and was hospitalized until the XXXX of XXXX. The day I was XXXX from the hospital, was a complete nightmare. My chime bank account was completely empty!! During my stay at the hospital, I had no access to any of my financial debit cards nor was in a state to be on my phone and monitor my financial apps. I disputed the charges right away as it was all the money I had as I was bringing home a newborn baby. I reached out to chime customer service via phone where they helped me file my dispute. I was told I was eligible for a temporary credit and I should receive it within 10 business days while my dispute gets resolved. The total amount of charges I disputed was outrageous! Every transaction went through!! I have no money. Ive waited. Ive called. Its been 11 business days and no one has reached out in regard to my dispute or temporary credit, as promised. Every representative repeats they have no further information? They say I am eligible and to expect it by XX/XX/XXXX, but contradicts themselves by saying within 10 days. It has been 10 business days. Ive uploaded documents and more! This is something I can not control but yet has took such a big toll on me and my family. I just wish chime would be responsible and keep their word! My temporary credit should have been disbursed by now. I am reaching out to you today because I am desperate and I am tired!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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