23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hi, I cancelled a flight through Chase XXXX XXXX on XXXX XX/XX/2023. My ticket is fully refundable, and also cancelled within 24 hours of booking. But I haven't received the refund yet. I booked the flight through Chase XXXX XXXX. Cancellation was done by calling Chase agent. I received email saying that I will get full refund of {$640.00} within 5 days. But I haven't received the refund yet. I talked to Chase agent once, and they said to wait until 1st billing cycle. I called up Chase again after the 1st billing cycle, and now they told me wait until the 2nd billing cycle. It would be great if you can help to resolve the issue, and get me full refund from Chase. I am not sure if Chase is really trying to resolve this issue. 

I am attaching the Original Ticket and also the confirmation for cancellation and refund. Here are the trip details for your reference : Trip ID : XXXX XXXX to XXXX on XXXX XX/XX/2023 Number of passengers : 2 Ticket price : {$640.00} Thanks in advance. 

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

Someone using my information trying to get a credit cards that I never applied for
Product: Money transfer, virtual currency, or money service

On XX/XX/21, I transferred {$120.00} from a Venmo payment from a friend via bank transfer. I submitted the incorrect routing number for the bank and tried to cancel or retrieve the transfer within 10 minutes. I couldnt do that on my own so I started a chat with Venmo customer support. The Venmo representative told me to contact my bank and wait 3 days, even after I told them the routing number was for a bank that was not mine ( multiple times ) and I would NOT see the money applied to my account, a loan, or a mortgage as a line of credit as they told me to expect. They told me there is nothing they can do aside for tell me to contact my bank ( even though the routing number is for a bank that is NOT mine ), wait, and contact them after 3 days if things are not sorted. The disappointing part is that a company specializing in money transfers does not have the ability to cancel or retrieve a bank transfer until after 3 days.
Product: Vehicle loan or lease

I had an auto loan with Wells Fargo from XXXX of XXXX through XXXX of XXXX and I believe that I am owed money due to the settlement that is out there. I contacted Wells Fargo and they said they were not aware of any settlement my account number was XXXX. Near the end of the loan Wells Fargo repossessed to the vehicle and sold it at auction.
Product: Checking or savings account

On XX/XX/2018 I made a deposit of {$120000.00} from my attorney with an attorney trust account check. On XX/XX/2018 I was charged ( 3 ) {$36.00} NSF fees even though my account was not overdrawn. I believe that since PNC held funds availability on this deposit, it caused items to be uncollectible. The funds were ultimately released and the deposit cleared with no issue. No sure why I was charged three fees when I did not overdraw my account NSF or uncollectible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX was previously closed and removed from my credit report as of XX/XX/XXXX, I double checked on XX/XX/XXXX and it was Closed and removed the same day. How ever the Credit Bureau XXXX and Equifax have Reinserted this Unverified Collection that was previous deleted. I have written multiple documents to both creditors as well as contacted the collector who could not substantiate this collection which is why it was deleted it has been disputed and no help has resulted in 4 months Per 15 U.S. Code 1681i - of the FCRA ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which was never done so this should be deleted as it initially was when it was not verifiable
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing in reference to my previous dispute regarding the account from XXXX XXXX, which continues to appear on my credit report. As mentioned in my prior communication, XXXX XXXX is currently involved in a lawsuit for failure to properly investigate disputes, among other violations of consumer rights. 
Given the ongoing legal issues and the company 's failure to comply with consumer protection laws, I demand the immediate removal of this account from my credit report. This companys actions have caused significant harm to my credit and financial reputation. 
Below or just a few violations included in my original complaint. Attached are the original details of my prior correspondence with XXXX XXXX, outlining the specific violations and demands. I expect this matter to be thoroughly investigated and resolved promptly. 
Inaccurate Credit Reporting : Despite multiple efforts to resolve issues concerning my account, XXXX XXXX has failed to accurately report my credit status to the major credit bureaus, which directly violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e regarding the accuracy and integrity of information provided to credit reporting agencies. 
1. Failure to Correct Discrepancies : As per 15 U.S. Code 1681i, I have provided XXXX XXXX with clear documentation regarding the inaccuracies in my credit report. However, they have either failed to investigate or responded inadequately, further exacerbating my financial situation. These actions are in direct violation of the FCRAs requirements to investigate and correct reported errors within 30 days of notification. 
2. Recent Lawsuits and Legal Violations : XXXX XXXX has also been involved in multiple lawsuits, including but not limited to those related to improper credit reporting and failure to resolve consumer complaints. The presence of these lawsuits further reinforces the systemic issues within the company 's practices. 
3. Hardship Considerations : As a result of XXXX XXXX  ongoing failures, I have experienced significant financial hardship, including damage to my credit score, increased difficulty obtaining credit, and other negative repercussions. Given the severity of the situation, I request that these violations be investigated immediately, and that the inaccurate information be removed from my credit report as a matter of urgency under 15 U.S. Code 1681s-2 and 15 U.S. Code 1681o. 
I will also request that the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate these violations and ensure compliance with all applicable laws. Additionally, I seek your assistance in facilitating an immediate correction to my credit report. I expect a prompt resolution and removal of these inaccuracies to prevent any further adverse impact on my financial well-being. 
Thank you for your attention to this matter. Please confirm receipt of this complaint and provide updates regarding any actions taken in relation to my concerns.
Product: Debt collection

Remove the fraudulent accounts on my credit report now! Other bureaus did it, so can you. Your lack of action is not just wrong but illegal delete those unauthorized accounts immediately, or face legal consequences. Take this seriously, act now, and ensure my credit report is accurate. XXXX XXXX XXXX andXX/XX/XXXX. Please delete immediately.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Experian and XXXX I have received a document stating that an account that XXXX XXXX is reporting is fraudulent. XXXX XXXX purchased a fraudulent account from the Original creditor XXXX XXXX. XXXX  XXXX sent me a document stating this account was opened du to fraud. Document attached.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I sent dispute letters to Equifax about inaccurate items on my credit reports. The inaccurate items were not fixed. I do not believe a proper investigation was completed.
Product: Debt collection

The company called and I said to stop calling but they just ignored me?
Product: Debt collection

I had an account with  XXXX   XXXX   XXXX . I did n't realize that I did n't return my equipment to the company until I began receiving phone calls fro m Southwest Credit Systems. W hen I first received the call I told them that I still had the equipment. They instructed me to contact  XXXX   XXXX   XXXX  to have the issue resolved. I had to cancel my account because I was moving and the company did n't offer the services in that area. I returned my cable and internet equipment to  XXXX   XXXX   XXXX . They claim they have not received the equipment and they are unsure of where it  XXXX  be. I have been calling them at least twice a week for the past month and half. No one at  XXXX   XXXX   XXXX  seems to want to offer me any help. They stated that there is nothing they can do as the equipment should 've been returned 60 days after closing the account. I said no where does it state that they ca n't accept any equipment from me because it has been over the 30 day period. I have asked to speak with supervisors who have told me they would contact  me within 72 hour  s of creating an investigation as to where my equipment may be. As of now it  has been  XXXX  days later and still have n't received a response. As a result of that,  Southwest Credit Systems calls me every day at least 10 times a day from various different numbers.
Product: Money transfer, virtual currency, or money service

I received the check. My name was spelled wrong it caused every major bank to deny my check deposit I ended up going to a XXXX where I ended up spending over {$2000.00} in fees due to a mistake on the end of hsbc. I want the check to be reissued by hsbc with hsbc funds due to this careless frustrating headache Ive endured for over half a year. I want them to resend the {$20000.00} to me using their money because if it wasnt for them I wouldve never experienced any financial hardship. That video I sent should count for some type of evidence against them in my claim. I have been wronged and I expect to be redressed immediately. There has to be some kind of consequence for corporations that break the law. I suggest the federal governments all over the world seize and control all financial corporations to make sure they all follow the rules to ensure the safety of the corporations and especially the consumer. Nobody is above the law I mean nobody. 







I have proof of being mislead, misinformed and, I also have proof of hsbc denying me my inalienable rights deliberately for capital gain. I deserve to be redressed and hsbc deserves to be disciplined for the inadequate unacceptable shoddy workmanship I have endured. Nobody is above the law not even banks. I do not deserve this type of treatment. I should never be deliberately victimized by anyone especially hsbc or anyone like them overly for capital gain. Im forever scarred from multiple banking experiences involving these majors corporations breaking the law for capital gain. I honestly want millions of dollars. I mean I know you guys cant give me legal advice but I do believe in America and Justice I do also believe the cfpb will not stand idle and let this type of corporate corruption affect innocent unwary American civilian in any way
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXX I opened an account with CNAC also know as JD-Byrider. Now in XXXX the car was totaled and paid off by insurance and if there were any extra costs that were not paid by the claim then the protection plan I paid extra ( for not having full coverage ) to JD-Byrider would have covered the remaining total of the loan I have attached two photos showing the beginning and endling balance of the loan.
Product: Mortgage

My mortgage was sold by XXXX to Specialized Loan Services in the midst of a refinance in XXXX of XXXX. We were informed by XXXX that we had a 60 day grace period after a loan had been transferred and that the refinance would be done in that time. So we didnt pay the XXXX mortgage. At the end of XXXX the loan was transferred back to XXXX. All was settled. In early XXXX I got a warning that my credit rating had dropped due to a delinquent account. Upon investigation I have found that Specialized Loan Services reported my account as delinquent as of XXXX of XXXX. I have contacted them 3 times and have not had a satisfactory reponse. This is the only negative mark, albeit incorrect, on my report and is dragging my credit down from the 800s to the 700s or below.
Product: Consumer Loan

Hi. I received a phone call from my finance company on XXXX/XXXX/16 in regards to my vehicle. I immediately advised the rep that I had previously asked Santander to place me on their do not call list he replied " obviously not since we 're calling ''. This representative continued on with the call without ever apologizing for calling although I stated I had requested not to be called by this company. I would hope that this is not the techniques taught by Santander when training new hires. This company has violated my rights as a consumer by continuously harassing me after I made a direct request not to be called. The agent who handled this call did so in a very poor manner. Not only was he rude but the tone of voice he used said he was owed something personally instead of the company he called on behalf of. It is very frustrating when a person becomes unable to pay for something they need and I do not believe anyone should have the right to call and make a consumer feel even worse about the fact that they ca n't take care of their debt at that time. I would like to see this matter dealt with accordingly because I take harassment very serious and this company should as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some incorrect personal informatio. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

I have a a unverified account from CBE. I had previously disputed this account. I have never done business with CBE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CBE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Checking or savings account

While I was in XXXX in XXXX, apparently at some point my debit card got skimmed and someone tried to do 3 massive transactions against the debit card. The bank had the business location listed where the transactions were noted from and it was on an island I've never been. Additionally, I've provided ample evidence as to my location and actions at the time of the fraud. The initial fraud happened on XX/XX/XXXX and they tried 3 separate transactions. ( Also, I NEVER approved my Point of Sale limit to be above {$590.00}. I intentionally keep them low as I do not use debit cards for anything other than cash ). I tried to contact XXXX  on multiple occasions after the initial fraud call and was unsuccessful, I was finally able to contact them and they said they would investigate, but they never followed up or asked for any actual information and did not complete any kind of investigation. Clearly if they would have reviewed the case it would be undeniably clear that there is no way possible I did those transactions. 

Since XXXX  didn't actually investigate the fraud they reversed the credit, which then overdrafted the account. I have NEVER EVER overdrafted. 

As you can see from the documents, it appears a transactions took place in somewhere called it appears the transactions took place in somewhere called XXXX, which from what I've found, was a LOOOOOONG WAY away from where I was at the time. 

I can provide even more evidence if needed. But XXXX  did not once reach out to me to ask for anything. They fully expected me to forget about this while they broke the law and did not actually investigate and handle the fraud Is required for federal and state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I received a copy of my consumer report ; to ensure all information is reporting accurately. According to the FCRA the information furnished and reporting is out dated information; please remove and delete these 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
Product: Debt collection

I contacted Pioneer Credit Recovery , Inc several times asking for verification of a debt they claim I owe. I filed a complaint against them back in XXXX of XXXX. To this date, XX/XX/XXXX, I have still received no validation as to why money is still being taken from me for an unverified debt. Below is the response given from the first complaint : Pioneer Credit Recovery , Inc. ( Pioneer ) thanks you for bringing this matter to our attention. On XX/XX/XXXX, The United States Department of the Treasury ( Treasury ) placed your Department of Labor debt with Pioneer for collection. On XX/XX/XXXX, an initial validation notice was mailed to you, to alert you of this placement. On XX/XX/XXXX, we forwarded these documents to Treasury for review. Additionally, we have requested the Proof of Debt. This information will be forwarded to you upon receipt. Pioneer does not control nor determine the federal offset process. This determination is between Treasury and the client, the Department of Labor. Should you have any additional questions or concerns, please contact our office directly at ( XXXX ) XXXX. 

They state to have requested Proof of Debt from Treasury when I requested verification but they claim the debt was already validated. In order to start a collection, a debt should already be validated by the company before money is taken. They have had more than enough time to review and correct the problem. Yet, it still exists. I am given the run around now and told to wait. It has been almost XXXX months. No Proof of Debt has been sent to me. This needs to end. Please help me resolve this matter. Collection needs to desist without proof.
Product: Vehicle loan or lease

Due to the continual inaccurate and false information by Santander to my 3 credit bureaus I have been denied a mortgage, have had to pay higher interest rates on other loans, and have lost thousands of dollars. I had an auto loan with Santander in XXXX and the car was total loss on XXXX XXXX due to intoxicated and uninsured driver who illegally hit me from behind. Santander is inaccurately reporting 3 different things to all three bureaus. I have reached out to them and submitted disputes with no response or corrections. from them. They currently have numerous other complaints on your website and with the XXXX. Also Santander Consumer USA settled with the Consumer Financial Protection Bureau over allegations that the ban sent inconsistent information about consumer auto loans to credit reporting agencies between XX/XX/XXXX and XX/XX/XXXX. They have had lawsuits through the attorney generals office due to their inaccurate practices.
Product: Consumer Loan

I have a car 72 month fixed rate Loan with BB AND T bank. 
I never had late payment I always make payment on time but the interest keeps going up. 
I want to know why it 's keeps going up. I usually pay total {$470.00} per month with interest of {$61.00} BUT it keeps going up and I 'm currently paying interest charge of {$75.00}. 
I want to deduct principal so I pay extra per month but the bank always charge more interest every month. 
I need help.
Product: Mortgage

I have my Mortgage through XXXX XXXX XXXX. I called them the early part of XXXX when I received a letter about mt Escrow shortage. They explained to me that I will have to call my old insurance company myself to request the money back that my mortgage company paid when I had found another home owner insurance company. However, I called and requested the money back from me mortgage company that had paid them from my escrow account. I have now been calling them since Saturday XX/XX/2023 until current today XX/XX/2023 to put money back into my account to get my payments back low. The website was down all this time, the call center was closed and a recording stated the no one can access your loan information at this time due to a system outage please try again later. Noone from this company sent out any notification to the customers and they just left everyone in limbo. I finally received and email today stating the website is back up and running. I tried to call again today and no one is still answering the phones they keep hanging up like it's after normal business hours. This is not professional at all when it comes to someones home and not knowing what's going on and can't talk to anyone from a big financial company as XXXX Loancare suppose to be. I'm not sure how and when I can speak with someone to get my issue resolved and taken care of. I have no other choices because it feels like my mortgage company shut down with no other options made available to there clients. Someone needs to address this and someone needs to be held accountable for some nonsense like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME AND I WOULD LIKE THEM DELETED : XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX