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

Hello, I need assistance in a challenging situation with a merchant and Chase. I'm raising a claim against deceptive acts by a vendor and inadequate support from charges processed by chase that weren't rendered. 

Situation : I'm an owner of a rental property and unfortunately the tannate I had stop payment since XXXX of 2020 and left the property in XX/XX/2020, I dealt with heavy financial loses while still needing to pay the mortgage and taxes on the property. The rental income not paid from the tenant rent for over 6 mounts added up to a loss of XXXX. Once the individual left and I was able to go into the home I saw the damages the tenant and his family did that required repairs. Fortunately I had a new tenant who would be able to move in quickly, obviously due to the loses and ability to have someone come in immediately was a great blessing as we have been able to support the loses earlier and only could survive a few more months. This put a tight window in having the repairs completed prior to the individual move in. 

One of the repairs were replacing the carpet ( Previous tenant had 4 children and lived there for over 3 years ). I reached out to xxxx and advised them of the situation and if they weren't able to complete the project I would be forced to go to another vendor as I priced out and spoke to many other carpet providers and installers. I wanted to provide this business to local small shop since I knew the challenge of Covid and impacting business. Unfortunately the individual didn't come by and install the carpet or services agreed to. I was forced to go with another vendor due to this, the vendor was unresponsive to my calls and follow-ups. 

I reached out to chase and advised of the situation and unfortunately they processed the charges in full for a vendor where services or products weren't provided ( XXXX ). I've been reaching out to the vendor and chase since XXXX and both have informed me they will not be reimbursing me for these charges. I feel I was scammed by the carpet provider by deceptive selling and billing tactics. I would understand if certain charges and services should be deducted but I find it unfair to be charged for something where I didn't received the agreed upon service or product as per the agreement they signed and violate. Chase should of followed my instructions but after multiple calls they refuse to provide support in resolving this matter
Product: Credit reporting or other personal consumer reports

vrthing began back on XX/XX/year> at XXXX he received an alert saying that his social security number has been compromised on the " dark web ''. I never had an idea the message were true because I thought it was scam. My XXXX XXXX and XXXX ). charged XXXX on my XXXX XXXX, {$15000.00} on my XXXX and also took out a loan in my name for a unknown amount. later this year victim I saw the results of more identity theft this XXXX XXXXXXXX unknown to me and XXXX XXXX these accounts are not mine I am growing tired and weary of so much run around s and then evrything goes from XXXX to worse inquirires on my credit report XXXX XXXX XXXX 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 was with XXXX for about two months, they did n't supply service/towers in my neighbourhood, never had reception, towers were always out of service. I called daily on landline to get service on my non working phone, their answer was that it was the phone, not the towers, reset my phone multiple times did not help. They did not fulfill/breached their end of the contract, I moved service because they could not supply me service. I paid the two months I was with them and returned the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of Education ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

I should have ONE name, ONE date of birth, and ONE address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have received a letter from VyStar Credit Union about opened ( probably XX/XX/2023 ) checking and savings accounts on my name which I never opened at all. I called to the VyStar Credit Union asking them to close these accounts but they told me that I have to file police report and send them a copy of that report. Only after they will receive police report from me they will close these fraudulently opened accounts. I never had anything like that at any other banks or credit unions. I want to close both fraudulent accounts as soon as possible.
Product: Checking or savings account

Bank of America provides very poor services to my business accounts, and the manager at the local branch is incapable of guiding me in selling products, leading to a mistake. Bank of America refused to accept the mistake, so now I want a copy of all communication with that manager to take legal action. Also, I want a competent manager to talk about XXXX XXXX needs mov ing forward. With so many advertisements saying is the best bank for XXXX  business, I am sure must be someone.
Product: Vehicle loan or lease

XX/XX/XXXX, car reposed by KIA Motors. After calling KIA for instructions on what was needed to get the car back. A cashier 's check was sent to KIA on XX/XX/XXXX, XXXX amount owed. My mom and I called KIA on XX/XX/XXXX, to get status update, we were told that even though it was cashier 's check they would have to clear it and due to holiday season it XXXX take some time. On XX/XX/XXXX, I called KIA, they told me the check had cleared. I would need to call to schedule an appointment with the XXXX XXXX XXXX in Maryland for my personal belongings and the vehicle auction house in Virginia to get my car since they had it moved to that location the week before. On XX/XX/XXXX I obtained an appointment from the XXXX XXXX in ( MD ) and auction location in ( VA ). On XX/XX/XXXX, I got my belongings from XXXX XXXX  and vehicle back auction location with additional separate fees from the XXXX XXXX to get my belongings back and additional fees to auction location to get my vehicle back. XX/XX/XXXX, I went to ( MD ) XXXX to get new tags, was told ( No Vehicle in My Name ) anymore no Title was it transferred to XXXX on XX/XX/XXXX. XX/XX/XXXX KIA sent me XXXX to get title. I returned the same day XXXX # XXXX XXXX received XX/XX/XXXX but when calling KIA, they said XX/XX/XXXX per phone call with them on XX/XX/XXXX. On XXXX sent it to XXXX, KY ( XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX via XXXX  XXXX. XX/XX/XXXX, called KIA twice for status update was told first time additional XXXX weeks for title and on XXXX call that day I ask for email record stating additional XXXX weeks for title with my father beside me they said they couldn't send me an email. My dad spoke to them too ( XXXX XXXX XXXX XXXXXXXX just said check back in approx. week. We can't give you any further information on our request. KIA rep said I already inquired on the XXXX of XXXX they sent a request in for update then. KIA still wants monthly payments but at same time inhibiting me from driving, I am requesting to see if any laws have been broken by requesting payment on something while still inhibiting the individual use at the same time thus effecting/hampering my employment options.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX  and experian are all reporting false inaccurate information. I want to File auto dealer fraud XXXX XXXX finance None of my documents that I requested match or support the transaction. I went to the XXXX XXXX dealership who ran up to 5 applications over a week for no good reason and they provided me a lender whose terms changed once it came to signing with was XXXX. The Declaration page has XXXX yet XXXX is now listing themselves as the lien holder and reporting inaccurate information to credit bureaus. Documents have False Signatures Never signed or agreed to any of the Terms with XXXX XXXX I have included a letter, emails to XXXX corporate office and screen shots
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 {$2900.00}.

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 ) -- OTHER ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$2900.00} -This is not my account.
Product: Student loan

Sin ce 2014 w hen I graduated from  XXXX   XXXX . I was inf ormed that Navient would be my loan servicer. Unfortunately this has been nothing but a headache. I had only started working this passed year. Between then and now. Navient has harassed me about my loans. They have even called daily if not twice a day. I also suspect that they have use many times a autodialer or robo dialer. On top of the harassment by Navient. The reps I have spoken to have never tried to put me in to any income based repayment plans. Furthermore there has n't even been any discussion of any options I may have. They just kept pushing me in to forbearance after forbearance. It was only after I had spoken to another company did I find out that I have options. It has come to my attention that there are a number of law suits against this company I have even wondered why an injunction has n't been filed against this company.
Product: Credit reporting or other personal consumer reports

This is my formal complaint to GOLDMAN SACHS AND CO. I am seeking the correction of inaccurate and fraudulent account in my credit reports to accurately reflect the correct information. I assert that the account in question made on erroneous and unverified. 
In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of inaccurate and fraudulent account in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Mortgage

We purchased a home on XX/XX/XXXX with XXXX XXXX. On XX/XX/XXXX we received a letter stating the loan had been transferred to XXXX XXXX XXXX  XXXX , XXXX. stating our payment was {$720.00}. On XX/XX/XXXX, we received a statement that our loan was transferred to Rushmore Loan Management Services stating our loan payment was {$780.00}. Due to the holidays, I called Rushmore Loan Management Service on XX/XX/XXXX, I was advised by XXXX that the escrow was incorrect and to wait until it was corrected before making payment. It showed homeowners and taxes were the same amount in escrow. He advised that I should get notifications by mail when it was corrected. The next day, I received a collection call. I explained escrow problem and was told to call back in 10 days. Again, the next day, we received a collection call. On XX/XX/XXXX, I called Rushmore Loan again spoke to XXXX, I was advised it was corrected but not corrected in there system and to call back on XX/XX/XXXX. After that, we have received numerous collection calls. This is not our mistake. I would refinance if I could afford it. This is harassment to us. Not fair that they made the mistake but we have to take there harassment. They to tell us we are on robot calls and until we pay it will continue. I have asked to speak to a supervisor but never available and never calls back. Look at the attachments below. It would be nice to know who is the correct mortgage company. I only know know due to several phone calls.
Product: Vehicle loan or lease

I was sold a Lemon Car with Multiple Issues! And the Dealer knew of the Issues and didnt disclose until after he was paid by the Financial Company! The Financial Company says I Sam still Liable for the Loan and I can not get the Vehicle Repaired! The Car Dealer refuses to help with Another Vehicle or a Refund of the Down Payment!! My mother had no Car or Money to buy Another Vehicle. I feels the Loan Company should not put this on my Credit Report! And they Refuse to Work With Us!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised and so I froze my credit report on all three bureaus. I am a XXXX and using a service to do XXXX background check and the XXXX system relies on Experian 's data. I temporarily unfroze my credit report to be able to use the XXXX XXXX  XXXX  system. When the system tries to validate my identity, at least half the questions do not relate to any recent transactions that I have done ( e.g. where did you buy pet insurance recently? ). As a result, I've been locked out the system. I've tried two separate days thinking the incident was just a fluke since I see nothing on my Experian credit report that is unknown to me ( including a review of all hard inquiries ). I tried calling Experian through XXXX and XXXX to inform them that something was wrong and have been unable to get anyone on the phone. For someone with compromised identity and a valid pin number issued by Experian, I'd like to be able to talk to a human being as I don't know if this was an internal system error ( e.g. my file being crossed with someone else 's ) or if someone had used my personal information for other purposes than the account recently discovered.
Product: Checking or savings account

This was theft of {$1000.00} at a Wells Fargo Bank ATM. Here 's the address of the bank : Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, PA XXXX There was a large group of people at the bank. I tried to deposit using my tap debit card at the ATM that was outside the bank on XX/XX/year> at XXXX XXXX. The ATM was full or something so I couldn't deposit a check like I wanted to. I left the ATM, I think without waiting for my account to close out. At this point I went into the bank to deposit. Someone, not an employee, was watching me and there were lots of people in there. I made my deposit at the counter. When I was in there, I believe someone jumped up to the ATM which was outside and took {$1000.00} out of my account, because {$1000.00} was taken out of my account at XXXX XXXX  based on an email I received from the bank but I didn't notice that I received it for about 20-30 minutes. I called Wells Fargo two times about the fraud but they've said they are dropping the case both times, with no logical reason. I did the first fraud complaint within about an hour of this happening. I will attach the first fraud denial letter that they sent to me, where Wells Fargo says I should consider the case closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Experian.XXXX XXXXXXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying ExperianXXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX  . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

XX/XX/XXXX : I was able to pay a pass due amount of {$69.00} but the monthly payment of {$130.00} is not doable since I am paying other private loans through them monthly of {$260.00} which soon will increase in XX/XX/XXXX. This amount is drafted every month on the XX/XX/XXXX. I would be paying close to {$400.00} a month, money I don't have after all my bills are paid. I tried to speak to them if they were able to place the loan under the same low-reduction program but they stated they could because of the type of loan. I asked them what type of loan it was and the rep stated it was a class loan. I told her I was never told of a class loan when I was being helped by the financial staff at the school. All they stated was I will be getting Private loans and Federal loans. Very general terminology of what the loans where. The rep in turn stated pretty much they didn't have to place me in any type of program when it came to private loans, they can just terminate the program period. I told her, all I was trying to do was to be able to pay my loans and be in good standing. I am trying to avoid non-payments because I cant pay all they are asking of me. I want to come to a middle ground with them where we both benefit from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed XXXX, Equifax and XXXX that they are reporting invalid information on my credit report. They did a dispute BUT did not validate as I requested with signed documents, receipts or any proof that either of these accounts are mine! I have repeatedly requested that they investigate and remove from my report. they have refused XXXX. XXXX XXXX XXXX {$560.00} balance acct XXXX opened on XX/XX/XXXX XXXX. XXXX XXXX XXXX  {$1000.00} balance acct XXXX opened on XX/XX/XXXX My rights are being violated! 

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. ''
Product: Student loan

I got on a repayment plan that was supposed to lower my monthly payments. Since I had a cosigner on my loan, they had to take both of our information in order to calculate a payment. They first tried to tell us we had a certain amount of money laying around when we indeed do not. The person that helped us set up our account asked did I spend x amount on groceries and I lied and said yes. The truth is, I do n't even have enough money to buy groceries. We set up a plan and I was able to split my payment up biweekly to something barely manageable for me. They take have been taking my payments up bi-weekly and I started getting calls and emails saying that my account was n't current. I called and spoke with a very rude and snippy NAVIENT rep that was mean to me all because I was trying to gain clarification about my loan and why the payment had went up in the midst of me paying what I could already BARELY pay. She said it had something to do with my interest going up, but no one EVER told me that this was even possible. Unable to get some understanding I eventually hung up in her face because it was pointless talking to her. She was heartless and inconsiderate and poorly trained representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for mortgage loan through XXXX XXXX in XX/XX/XXXX, and XXXX  XXXX XXXX XX/XX/XXXX. Both stated they received no scores from TransUnion, XXXX, and XXXX. In XX/XX/XXXX, I got scores for them when I applied for rental units. So XX/XX/XXXX, I called the bureaus listed, asked why they reported no scores? I was told by customer service representatives they were showing scores for me. They refused to give me the score over the phone, citing I had to pay for it ( {$9.00}, etc. ). I questioned why two different lenders were getting the same result, they claimed not to know and said I needed to have them call the bureau directly. I shouldn't have to pay for my own credit report and submit it to lenders. 

Something does not add up!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid at least 3 companies to get these things removed and also asked the bureaus. Only address on my file should be XXXX XXXXXXXX XXXX XXXX All others are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

false account reported on my credit report. 
XXXX XXXX  XXXX I have lived in XXXX since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  and  XXXX  my social security number was use to file income tax and I also have over  XXXX  inquiry on my credit report which causes  my credit score to d rop drastically
Product: Credit reporting or other personal consumer reports

realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}