23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing this complaint on Chase Cardmember Service regarding their handling of a fraudulent charge on my visa credit card. On XX/XX/XXXX, on our way back from XXXX, XXXX to the US, my friend and I took a local taxi ( merchant name : XXXX XXXX ) from our hotel ( XXXX ) to XXXX XXXX Airport for a flat rate of XXXX ( {$67.00} ). After back in the US and on XX/XX/XXXX, I noticed on my credit card account there was also a charge of {$310.00} from the same taxi company for the same day service. I immediately contacted Chase and disputed that charge. On XX/XX/XXXX, Chase sent me a letter acknowledged my dispute ( case XXXX XXXX ) and with that letter Chase also included a copy of both taxi charges ' meter printout receipts. After close examination of both receipts, I noticed the followings : ( 1 ) For the {$67.00} charge, the XXXX XXXX meter printout has a time stamp of " XXXX XXXX/XXXX/XXXX A XXXX '', and, for the {$310.00} charge, a XXXX XXXX meter printout has a time stamp of " XXXX XX/XX/XXXX A XXXX ''. That is, the XXXX taxi arrived at its destination 48 seconds before my taxi 's arrival at the airport! ( 2 ) The XXXX receipt has an identical - in both shape and size - of the signature I signed for my actual XXXX taxi receipt, i.e., they copied my signature onto the XXXX receipt! Based on those XXXX facts, the XXXX receipt is clearly fraudulent! When I received a letter from Chase Cardmember Service dated XX/XX/XXXX which stated that they considered the XXXX charge valid, I sent them a letter on XX/XX/XXXX pointed out the above XXXX facts, along with additional documents ( my hotel reservation and checkout receipts, my taxi driver 's hand written XXXX receipt ) as well as additional data ( distance from the hotel to the airport which could only resulted in the XXXX flat rate charge ). I have now received another letter dated XXXX/XXXX/XXXX from the same Chase office stating " Our latest review confirmed our previous findings that the charge is valid because we are unable to support that a billing error has occurred on your account. '' But the fact is this charge was not an error, rather a fraudulent act! That Chase letter also suggested that " We encourage you to contact the merchant directly for a more favorable outcome. '' I did contact the merchant via email on XX/XX/XXXX and, after received an email reply next day from XXXX XXXX of the taxi company and per his/her request, I emailed them a copy of my XXXX receipts ( both the meter printout and the driver 's hand-written one ) and a copy of the XXXX charge on my billing account. On XX/XX/XXXX, XXXX XXXX of the taxi company emailed me back stating " We 've got all the information to check, so we will inform you as soon as possible. '' As of today, XX/XX/XXXX, I still have not heard anything further from the taxi company -- another sign of the fraudulent act by the company!
Product: Mortgage

My Deed was transferred XX/XX/XXXX to Ocwen with no Escrow. In XX/XX/XXXX when my Property taxes come out Ocwen when and paid them. I never signed any kind of papers for them to do this. I have never had a home loan with and escrow account for the 35 years in have been in this home. And never missed a payment. My house payment triples by them doing this. It went from XXXX to XXXX. I kept paying my regular payment for 4 months and it was getting me no where. I stopped paying them. They refuse to do a loan modification. Sent papers they ask for and they would tell you they never received them. I has been a night mare since. They now want to foreclose on me for the 3rd time. I need this stopped. I has been a 4 year battle from XXXX. In beginning of XXXX my loan was transferred to PHH nothing changed. They are very good about taking your money and holding it. Than charge late fees. They add fees for sitting in front of your house to take pictures on a monthly bases. These people can not be trusted they just want your house. They will not do any loan modifications. Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their handling of my request for verification concerning the XXXX XXXX XXXX account listed on my credit report. On XX/XX/year>, at XXXX XXXX, I called Experian and spoke with a representative named XXXX. During the call, I requested information about the methods used to verify the XXXX XXXX XXXX account on my credit profile. However, I was informed that Experian could not provide me with the verification methods. When I asked to speak with a supervisor for further assistance, I was told that none were available at that time. This lack of assistance and failure to provide critical information has left me feeling that my rights as a consumer are not being upheld. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request and receive details regarding the verification process used for any disputed information on my credit report. The inability of Experian to provide this information is a violation of my rights under the law, and it undermines my ability to address inaccuracies in my credit profile effectively. I respectfully request your assistance in resolving this matter and ensuring that Experian complies with its obligations under the law. Thank you for your attention to this complaint.
Product: Credit reporting or other personal consumer reports

Self/lead bank has violated my rights to privacy by furnishing private information from my consumer report without provided me by law the proper notice to opt out of sharing my personal information with non affiliate 3rd parties pursuant to tile 15 16801 of the US Code enforced under 16 cfr 313 317 F. No part of my credit transactions which includes credit balance credit usage or any information is to be shared without the CONSUMERS consent which there is no proof nor did SELF/LEAD BANK or any of the 3 credit agencies get my consent which is required to furnish such information. Reasonable investigation is required per federal law before sharing information per the fair credit reporting act. My rights to privacy is hereby demanded and I revoke any consent that may have been granted by way of non disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union after numerous letters and complaints to the institution they continue to re-age my credit profile by reporting monthly Charge Offs to re-age my accounts. They add late payments that are not late payments and have made over XXXX payments without my consent to re-age charged off accounts.
Product: Money transfer, virtual currency, or money service

Multiple attempted and made to restore my access to my gemini.com account. Despite repeated emails from their support that provided incorrect information or information that did not correct the issue, I finally was able to regain access to the account and sell the asset. However after sale of the asset the platform refuses to let me withdraw the funds to my bank. There is an undisclosed 72 hour delay that I have dozen customer support representatives failed to ever mention in the process and I can find nowhere in their verbiage. 

Furthermore, these were charged and none of the documentation available through their website the exact amount of what the fees were which would be needed to file appropriate taxes for gains made on the asset. This should be required to be disclosed after the fact as specific line items in the transaction details but it is completely hidden from me. 

It seems you can put money into their platform and perform transactions but its nearly impossible to get any money out. Thats kind of the way in which a Ponzi scheme works.
Product: Debt collection

I went to emergency room last year but after I got out from the emergency room I never received any communication from the hospital regarding the amount I owe. I called the hospital and asked them to provide the copy of statement but they never bothered. Finally they gave it to the collection agency. I never got any statement from the collection agency either. I was looking at my credit report and realized that I have an account in collection. I called them and raised the dispute with them around  XXXX  and asked them to provide the copy of the statement that they sent earlier so that the name and address can be verified. I was told that I need to file the complaint in written which I did on  XXXX  by faxing the complaint to their department. I have called multiple times after that asking for the status of the dispute but until now I did n't receive any response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$990.00} XXXX  XXXX Balance : {$11000.00}
Product: Checking or savings account

In mid XXXX, money was sent to my Venmo account. After trying to add my XXXX banking info and bank card, Venmo told me they didnt accept that payment type and my account t was frozen. I reached out at least 10 times and was told that I had to wait 6 business days. On the 7th business day, I called and emailed another 10 times. Every time they said they would escalate the issue. It has been 10 days and my account is still frozen. I have {$1400.00} sitting in this account that is mine. I need the money to travel to see my XXXX XXXX. No one will give me an answer
Product: Checking or savings account

XX/XX/XXXX did not receive my direct deposit from my employer and can not access my savings money and can not transfer or XXXX any money out. It's been XXXX days and they have not deposited my direct deposit check.
Product: Debt collection

I am submitting myself under the Fair Credit Reporting Act ( FCRA ). For two years they reported other deceptive accounts to me and I made the different complaints and they removed them but the points that I lost for those accounts were not returned. For example, before those complaints I had the score over XXXX and they lowered it to XXXX and something but they never returned the lost points to me. I have called them several times to make that claim and they tell me that they are going to return them to the score and they do not do it
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report I did not authorize this inquiry. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX  Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the 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 XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX  XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX GA, XXXX EMPLOYER XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This installment loan was taken out on XX/XX/XXXX and no payments were made. In XX/XX/XXXX it was charged off and put on my credit report. My credit report showed that the account would fall off my credit report on XX/XX/XXXX. The account did fall off until a year later in XX/XX/XXXX this company bought the debt and is now reporting it to my credit report as new debt. I was not aware until recently it was even on my credit report, I was not contacted in any way, either by phone or mail that this even existed until I started looking at new loans for college. I have disputed this 3 times with no success. This is beyond the XXXX  year statue of limitations to be negatively impacting my credit report. This is not only affecting me financially but also emotionally and I will take legal action if there is no resolution to come out of this.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information. 

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$5200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information. 
The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Mortgage

Fay Servicing is blocking me from getting access to government modification programs to help me save my home from foreclosure. I have tried to work with them and sent them payments in XXXX and XXXX but they send them back to me and don't give me a chance. They reviewed me for modification in XXXX after I had been in Covid forbearance program but told me the income was too low, but they did not have the right information. My financial circumstances have changed and I can afford a fair payment to fix this problem but they don't care and move forward with foreclosure on XX/XX/XXXX. I have this home for 20 years and never have problems with payments until hurricane in XXXX and I fall behind. I talk to XXXX XXXX about this and they understand but told me that I have to get into a plan with them to fix the problem and when I try to do this the loan gets transferred to XXXX. I try to fix things with XXXX and have a job plus my graphic design business and start working with them but then the loan gets transferred to Fay Servicing. I ask for help but they tell me I need to wait a couple months to apply because they need time to set me up in their system. Then I lose my job at event planning company because of Covid and tell Fay and they give me 6 months forbearance through government program. After that ends I have a new job as customer service agent and apply for help but they tell me I do not qualify and say because I have equity in my house they won't work with me. This was a XXXX XXXX XXXX I don't think that is a XXXX XXXX rule. I apply again in XXXX but this time they say sorry, you do not have enough income for any programs, but when I ask what income they tell me the wrong number which is much lower than correct income. Then they try to sell my house at foreclosure and I had to file bankruptcy to stop them. 

I have owned this home for 20 years and I am very proud of it. I refinanced in XXXX into 15 year loan so I could pay off faster and never had a problem with payments until the hurricane comes in XXXX. Yes I am sorry I miss the payments but business in XXXX was wiped out and I could not do anything for a few months. As soon as I am doing OK I try to fix this but then the loan goes from XXXX XXXX to XXXX  then to Fay Servicing. Then I have problems with Covid and lose my job. I am doing fine now and my income from customer service job and my graphic design business is dependable and I can afford a fair payment if they will work with me. Why do they block me from help? Why do they set a new sale date for my house? Why do they do this on a XXXX XXXX loan? One agent says the loan is not with XXXX XXXX  anymore but now private investor, how can a XXXX XXXX loan get sold to a private investor while it is still active? Is this legal?
Product: Credit reporting or other personal consumer reports

I have submitted five requests for my credit report and credit score. The company continues to provide the credit report but not the reporting credit score as requested.
Product: Credit card or prepaid card

while my son was in the hospital from XXXX someone used my XXXX ( XXXX XXXX  XXXX ) card number in another state. I was with my son in another city and my XXXXcard was in a XXXX at home. I received an email from XXXX telling me this. This card ended in XXXX. I was told they were stopping all charges on card ending in XXXX and sending me a new card. I never received the new card but did finally receive a bill for a card ending in XXXX ( the bill did not show the whole CC number so I couldn't enter it into the online banking acct ) with late fees on it. I have yet to receive any card from XXXX ending in XXXX. When I got the bill and called XXXX I was told the late fees would be removed and they would XXXX XXXX me a new card and to not pay the bill until I got a new bill. I received the new card ending in XXXX but have NEVER received a bill from XXXX with this credit card number on it or any bill at all except for the one with my balance as of XX/XX/19 ( this is the one with the late fee and the card number XXXX at the top ). So today I called XXXX and am being told I haven't paid my bill and I have a late fee of {$28.00}. I paid {$100.00} on XX/XX/19 for the last bill I received for card ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7900.00}, {$2800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account.

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$2800.00} -This is not my account.
Product: Vehicle loan or lease

I entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2016. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to, XXXX XXXX XXXX a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I paid a cash deposit which is illegal. In XXXX of 2016 I was notified by Navy Federal Credit Union that payment was due which is a violation of XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX Navy Federal Credit Union is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to XXXX XXXX XXXX, and they are liable for each fdcpa violation pursuant to XXXX XXXX XXXX. I am demanding they remove this alleged debt from our consumer reports, remit payments to me for violations and apologize.