23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was a victim of a phone fraud scam which resulted in the loss of almost $ XXXX from my personal bank account at Chase. I foolishly permitted the fraudsters to gain access to my bank accounts so that they could supposedly refund money they errantly charged me. I was tricked into authorizing an international wire of my funds to an XXXXXXXX XXXX XXXXXXXX. I reported this to Chase within a couple of hours of the crime, and a recall case was immediately initiated. 
Over the ensuing 5 months, I received blatantly contradictory information from Chase officials regarding the status of my case, including disparate information about actions taken or not taken by Chase and about practices followed at Chase in managing recall cases. The contradictions have suggested the possibility that delays and policy driven errors by Chase officials may have had a significant impact on the outcome of my case. This specifically pertains to the question of when and if Claims Department officials sent Hold Harmless letters as requested by the recipient bank, a step that Wire Research officials told me should have been immediately taken. Executives at Chase at the CEO level have accepted no responsibility for the delays, errors, and procedural inconsistencies that occurred. I question whether any banking regulations may have been violated in the manner in which Chase handled my case, in how Chase mis-communicated with me and/or how Chase interacted with XXXX XXXX the recipient bank XXXX I have the impression that given the fact that the recall case was instituted the same day as when the crime was committed, if Chase then responded immediately to XXXX , some or all of the wired funds might have been recovered. 
I feel that Chase exacerbated the trauma of my being victimized by the scam through the collective incompetence and/or deceptive communications of its officials. 
No letter of apology, including acceptance of any degree of responsibility for the mismanagement of the case, has been issued, and no compensation of any kind has been offered. My complaints have been essentially ignored, even though Chase claims to have conducted an internal investigation concerning my complaints. It was a sham investigation which yielded no written answers to the specific questions I posed. This is no way to treat one who has been a loyal Chase customer for over 4 decades. Disgraceful.
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 an 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 XXXX XXXX XXXX XXXX XXXX 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

On XXXX Chime sent an email requesting an explanation for a direct deposit amount totaling XXXX. I replied and explained the deposit was from my 401k. I emailed the 401k distribution statement for verification. Later, my account was suspended. Chime stated they also need a copy of my paycheck stub from XXXX XXXX along with ID, SSN card, and a picture of myself holding my ID. I complied with hopes to resolve the issue. More than a week later Chime reaches back out and asks for a statement of my unemployment benefits, which I sent. 

Nearly a month after the initial email, I have no resolution date and I have sent every document along with an explanation. I lost my job due to the pandemic and XXXX XXXX has been paying me severance pay but I still qualify for unemployment. My problem is that Chime hasn't given me a date of the resolution or responded to my email request. I have over XXXX in that account that I can not access to feed my family or pay my bills.
Product: Credit reporting

I have multiple duplicate inquiries on my credit file. I received an notification a while back on XXXX they were removed and they have reappeared. I have alot of duplicates from the same day and that is incorrect.
Product: Credit reporting or other personal consumer reports

My information was used to attempt to get an apartment.
Product: Debt collection

In XXXX, I started receiving mail and phone calls from LVNV Funding about a debt from XXXX XXXX for {$1000.00}. I disputed this information several times in writing telling them I dont owe this debt and to send me verification or delete this information off my credit report. LVNV keep sending me a bill as valid reason for them to report this fraudulent information on my credit report. In XXXX I starting receiving more calls and mail about this debt, this time it was Resurgent Capital Services, telling me I need to pay them because it was in pre legal status and I am getting sued. They called several times a day, interrupting me while I was at work. I disputed with them as well but received mail correspondence from LVNV with yet another bill as verification. In XX/XX/XXXX, I started to receive mail and calls from now XXXX XXXX XXXX about this same debt. I have been getting harnessed by LVNV and its related companies for months about a debt that isnt mine. LVNV couldnt provide me with a contract with a signature like I requested so I am being attacked by 3 different companies about the same debt that is hurting my credit file and coasting me additional money. On XX/XX/XXXX, I decide to call Resurgent and resolve this debt because of the damage it is doing to my credit. I explained to the representative that this wasnt my debt however I wish to resolve it. I asked about a settlement and they offered 20 %, I said that was too much. The representative pulled my credit without my permission and told me I could afford it and quoted every credit card as well as my children names off my credit report. She told me my credit lines and who I was an authorized user on what card and everything. I dont feel its fair that LVNV Funding is allowed to report fraudulent unverified information on my credit file. I dont feel that LVNV Funding should be allowed to harass me through all of their different companies for the same debt. I dont feel as the representative had a right to access my credit file without my permission and tell me that I can afford to pay a debt that I told her I wasnt capable of paying in full. I was treated very badly and I feel my privacy has been invaded.
Product: Checking or savings account

I opened a new Citi Checking account at the XXXX branch located at XXXX XXXX XXXX XXXX, NYXXXX last XXXX. 

I was assisted by XXXX XXXX, who no longer seems to be working there, and XXXX XXXX XXXX. Her contact number is XXXX. All attempts to contact her by phone failed, and emails where unanswered. 

According to the checking promotion I used when opening the account, after making a {$15000.00} deposit and maintaining that balance for 2 months, I should have been credited a {$400.00} bonus within 3 months of meeting the requirements. I met those requirements in late XXXX and the bonus was never credited. I can provide an email I received from Citi shortly after opening the account, reminding me of the bonus requirements. 

I contacted customer service on several occasions. The first few times they assured me that all requirements had been met and that the bonus would be credited 90 days after that. Coincidentally, after the 90 days elapsed, they started insisting that according to the terms and conditions, a savings account was also required and they initiated two requests that did not fructify ; I also contacted more than five chat representatives through my online account. The case number I was provided with is XXXX. 

According to both the promotion I brought to the branch and the Citi email that I received shortly after opening the account, this is not the case. Not only that, the promotion is explicitly referred to as " Checking Bonus ''. Furthermore, when the banker asked me if I was interested in opening a savings account, I double checked with him to make sure that was not a requirement, and after inspecting the promotion he said that it was not. The savings account requirement was only buried in the terms and conditions. 

I have never experienced this degree of dishonesty before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my report and discovered there were unverified accounts. I reached out to bureau and it was not corrected. here is the item : XXXX XXXX XXXX  # XXXX
Product: Credit card or prepaid card

Filed dispute and followed all requests from UPgrade credit card and they did not resolve all the charges that I did not make. I should not owe the amount it shows and have been paying for now months of interest that is inaccurate that I will not get back! This is seriously affecting myself and my fam and they will not correct this right ; the charges that were not refunded were from XXXX and I have not made ANY purchases from XXXX this is beyond frustrating!! No XXXX!!! That is not my purchase I called them as did the police!! And the app info was not even my info!!! Upgrade failed to investigate this, failed to follow up correctly, and did not correct this. I have also sent them a dispute in writing twice, as asked for on XX/XX/XXXX and XX/XX/XXXX with out hearing back from them. Only to find out through my credit karma that they decided they were authorized due to not receiving my statement in writing which is inaccurate as I sent them and have the emails they were both sent promptly and not replied to however I asked for an update both times. I would like this resolved and like to hear the status.
Product: Credit reporting or other personal consumer reports

Years ago I was married and we had a joint account at Great Lakes Credit Union, it was a XXXX XXXX card. We then got divorced and the court ordered my ex-wife to pay the credit card off. Eventually, Elan Financial bought the debt from Great Lakes Credit Union and my ex-wife continued paying until about XXXX of XXXX. Then, they started harassing me and it showed up on my credit reports. I disputed it and they said it all checked out. I provided Elan Financial the divorce agreement that included the order and they still continue to try to collect from me. XXXX is of no help, repeated disputes have done nothing. It is not my debt and it is negatively affecting my credit score. I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an account I have no knowledge of on Experian because I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Address identification number XXXX ACCOUNT : XXXX
Product: Debt collection

As a Federally Protected Consumer, the Original Creditor, and its Principal and Authorized Representative for on all accounts created by my seal/signature, As of the date of this letter you XXXX XXXX has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft
Product: Credit card or prepaid card

Capital One denied a recent application of mine because of the security alert on my credit report. 

They advised me that until my current phone number is updated and they can call me it will remain denied.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, Equifax, XXXX on XX/XX/2024 in regards to removing these inaccuracies off of my credit profile. Currently each bureau has these 3 account listed as Charge offs, which are certificate of indebtness meaning income and income can not be reported on one 's report. Also these 3 account have different last activity dates. The Fair Credit Reporting Act grants the right to accurate and fair credit reporting using 15 USC 1681. Please remove XXXX XXXX XXXX XXXX and XXXX XXXX XXXX off of my credit profile
Product: Money transfer, virtual currency, or money service

Service provider: https://remitly.comService initiation Date : XX/XX/2019 Service Request: Transfer money to international accountPromised Delivery time: Immediately or within Hours  I have placed an international transfer with the remitly.com on XX/XX/2019, they have taken money form US bank account , but did not credited to international account till date XX/XX/2019.I have contracted more than 7 times to  customer service both email and Phone support, I haven't received any response in the email , but during phone support each time there will be a representative talking to me  and giving me different answers such as , money got sent to wrong account we are still investigating and we cannot give you when we will complete investigation and sometimes they promise me to call back but no followup after that.After all the conversation what I infer is either they are planing a scam holding my money hostage or something very bad happened  in their system that routed my money to wrong account.I have all the investigative and supporting  documents for my claim above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX
Product: Student loan

XXXX reversed loan back to AES in the amount of XXXX on XX/XX/XXXX. I received letter from XXXX on XX/XX/XXXX that I was 60 pass due on my AES loan. I called XXXX immediately. We had a conference call to AES. They refuse to mail me anything since I was enrolled paperless option back in XXXX. I could not login to online account. There was issue with my legal name but it was important to them to upholding paperless option. Withholding information about loan as it was accruing interest. AES told me the only thing they could do was to put my loan into forebearance. I would need to mail them proof of ID before I could access loan online. XXXX recommended that I call them back afterwards to consolidate loan. That I should try to pay the accrued interest. Once I could logon to my account the accrued interest was unaffordable to me. As I tried many times to get help from AES to roll back balance to XXXX since only receiving letter from XXXX on XX/XX/XXXX informing me to call AES. This loan has skyrocketed way beyond original amount after 9 years of paying it down. I want to consolidate loan balance but not until AES corrects the balance on loan. This problem was created by AES refusing to inform when loan was reinstated by mail, giving me the run around about paperless option, and locking me out of my account.
Product: Mortgage

I have been having a problem with Quicken Loans and their timely processing of my mailed payments. On this latest occasion I sent a mortgage payment on theXX/XX/XXXX. Quicken did not process the payment until XX/XX/XXXX! They are not only charging me a late fee but sending me a delinquency notice! I understand the problems created by the last administration has created unreasonable delays with the U.S.P.S. But let me describe a company that is more efficient and responsible than Quicken. I have a bank card through XXXX  XXXX XXXX their payment normally only takes only two days to process and this payment to XXXX Texas. During this disruption of the Post Office my current payment still only took four days! The Quicken depository is in XXXX..! 9 days for this process to complete. I believe that this action by Quicken Loans is a form of harassment for complaining about another fee of {$50.00} that Quicken attempted to charge me because another loan company was asking for a credit rating about me. When I took out the original XXXX loan this potential fee was never revealed to me. I want these late fees tobe expunged, the real reason for this and a commitment be the company to quit harassing me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within XXXX  hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I mark as inaccurate XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been 4 years now and transunion has not moved my credit score. I sent letters and disputes, still nothing. My scored is still showing low score. They are not reporting my car, my credit card and all my paid ontime bills. Its hard to get a live person to help you. When you call the switch over to XXXX XXXX. Its been a complete horror trying to get them to fix this. I never get any response when I dispute this situation. My address and phone # is not updated as well.
Product: Credit reporting or other personal consumer reports

Global CU pulled 3 credit reports without my authorization, there is no permissible purpose. When I disputed this with them, they replied in a mail piece " it is the credit union 's practice not to change or delete the inquiry. ''
Product: Debt collection

Upon closely reviewing my recent credit report, I identified several accounts that I believe are incorrect and were added without my consent.
Product: Debt collection

XXXX {$3100.00} XX/XX/XXXX did nothing XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXXXXXX XXXX  removed from credit Credence Resource Managment {$3100.00} XX/XX/XXXX reinserted into credit blew me off even though they acknowlage fraud XXXX in XXXX of XXXX a XXXX account was opend up in my name in XXXX Florida XXXX I also had several credit cards and my XXXX XXXX accout stolen as well. I can only guess this was a result of the XXXX data breach. In XXXX of XXXX I was moved to XXXX XXXX Texas. I learned of all this frauad pieces at a time as it came through, and all was delt with except XXXX XXXX. They have been nothing short of imposibile to work with. they do not have a fraud department I can contact and once its in collections they will do nothing to help. I have sent the credit bureas all the information including police reports, lease agreements pay stubs showing I was at work in Texas the day it was opened. XXXX XXXX XXXX XXXX help the debt it was removed XX/XX/XXXX report number XXXX now XXXX XXXX has sold the debt again to Credance resource managment on XX/XX/XXXX I was alerted to this and again I am having to dispute this. report number XXXX This is coming as I am trying to buy a house an could impact my ability to do so. I have proved left and right it was identity theft. this is becoming a case of harrasment to me please help.
Product: Student loan

I attempted to file this complaint with my student loan servicer ( see below ). I received an emailed response " an application is being mailed to you. '' I completed an IDR application online. I emailed my tax return to FLS the next day. I spoke to XXXX at FLS who said this was received. On the IDR application the Department of Education listed FLS as my loan servicer, one name one address. 

I am requesting to file a formal complaint. First, I spoke to your agency and I was never advised about the income based repayment plans when I was having trouble paying my loans. I received no assistance from AES or FLS other than forbearance and then being told my forbearance time is up. Second, your agency is refusing to process my XXXX application. I contacted both FLS and AES and notified them my application was submitted online and my tax documentation was emailed to FLS and I received confirmation on the phone and via email, the tax documentation was received. 

I understand you use two separate names, but you are the same agency. Your AES representative lied and said you were a completely separate company and not in the same building or associated, which is untrue. I am requesting, again, that you ( FLS and AES ) process my XXXX application accordingly as you have the completed application and my income documentation. 

There is a serious problem when a student loan servicer deliberately makes this process hard for borrowers because of your lack of communication and unwillingness to take a few extra minutes to assist your customers. Instead your 'escalated ' representatives attempt to make me duplicate efforts by faxing income documentation that you already have. And I emailed the tax return initially after trying to fax all day, to a constant busy signal. Your ever so helpful representative then suggested 'just keep trying, ' until I asked questions about alternatives and was given an incorrect email address. I called back again to get the correct email address.