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

Chase has repeatedly failed to make the correct decision on a significant payment dispute with XXXX XXXX. Chase owes me {$1700.00} -- I sent over multiple forms of documentation from XXXX XXXX customer service stating in writing ( via email ) that I would be entitled to a refund of the same day flight they charged me for. ( At this point, I was stranded in the IST airport ) XXXX XXXX reneged on the agreement to refund my credit card and stopped responding to my inquiries after I returned to the United States. Chase has failed to thoroughly investigate this matter not once, but twice, as I did appeal the first dispute. I have been a Chase customer since XXXX, and am appalled by the complete incompetence by Chase. There is absolutely no point in having a XXXX XXXX credit card if I can't count on the travel protection benefits they claim to offer. 

I spent over two hours on the phone with XXXX XXXX customer service on XX/XX/XXXX while stranded in the XXXX XXXX XXXX. I was denied boarding onto my original flight returning to XXXX. The airline made a gate assignment error. There was no gate number information printed on my boarding pass when there should have been, nor were there any gate information announcements throughout the airport, or updated gate change information sent to me via phone or email, despite the fact that I included this information when I purchased my flight. Not only that, the gate information that was displayed on the flight information display system was incorrect. 

XXXX XXXX not only denied me boarding on my original flight for their own error ( no/ incorrect gate number ), they also charged me to book a replacement flight returning to the United States even after saying that they would not do so. I waited in line at the XXXX XXXX information desk for an hour only to be told to call a customer service line that I had to call back numerous times because I kept getting hung up on. XXXX XXXX agreed to refund the purchase of the {$370.00} agent fee and the {$1400.00} additional flight charge but then rescinded it later, which is in violation of my Passenger Rights per their website. 

I provided all of these details to XXXX XXXX in-person, over the phone, and in writing, I also sent an email with photo documentation of the gate omission on my boarding pass per their request, only to have them renege and charge my credit card anyway. Per the last customer service agent I spoke with I should have received a refund within two weeks after they confirmed they received the photo of my boarding pass. I sent all documentation to Chase including a photo of the boarding pass, and email correspondence from the customer service agent agreeing to the refund. 

I spent an additional six hours at the airport and therefore experienced a significant delay in reaching my destination city, all because the airline left out critical information. Ultimately, Chase 's failure to resolve this issue adds significant insult to injury, and they need to take accountability for their underhanded business practices. I would appreciate this issue resolved immediately.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries were made on my Equifax, XXXX, and XXXX credit reports without my knowledge and consent. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXF XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Debt collection

I have been receiving robo phone calls almost every day for months about a debt. But, I don't have any debts and have never had any debts. The calls continue, though, and tell me I should call this number ( XXXX ) XXXX to contact XXXX XXXX. The last two recordings are dated XX/XX/XXXX and XX/XX/XXXX of 2020.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

National Credit Adjusters, at XXXX XXXX XXXX XXXX XXXX KS XXXX has been sending me collection notices in the amount of {$2500.00} the collection has been report as past due balance. I do not know this company. I do not know this company. I have never done any business with company. This company does not have a contract with my signature.
Product: Mortgage

Our closing dates have been changed 4 times due to the incompetence of our lender. He has used many excuses and not taking the blame himself for the wrong doings in the transaction. He does not communicate and when he does he sent an email close to the end of a XXXX or towards the XXXX hour does not return phone calls to myself our real estate agent or the listing agent. 
He demanded that we XXXX  insurance due to the home being in a flood zone. We were originally going with conventional loan and 3 weeks after ... 3 days before we were set to close he changed the loan type to fha which delayed us again. 
He has costed us XXXX in feed and rent to stay were we live now, we've had to cancel 4 times to get a moving truck and to get the carpets cleanee. 
The sellers were to close on their new house on the XXXX. If hounding move in on the XXXX. It cos4s them.XXXX a day. 
He keeps.asking for documents we've already sent him, he asks for checks we've already given him. 
We had an appraisal done and I paid XXXX. And he said that its no good since we changed from.conventional to XXXX, he told us we need to get a new appraisal done for an fha loan. 
He also.told us we couldn't waive the 3 day waiting period. 
Now tonight we docs were supposed to.go.to.escrow so.we could close on the XXXX, he said state had the pain amount wrong and we couldn't sign till.wed and wed have to close on Monday of next week due to the holiday. 
It's now 5 times we've delayed closing. 
He waited till XXXX XXXX  to.send documents over to.escrow.. 

XXXX XXXX commerce home.mortgage XXXX WA
Product: Credit reporting or other personal consumer reports

in accordance to 15 usc1681b if a consumer agency doesn't have my written consent they are not to furnish anything on my consumer account. I did not give XXXX, XXXX nor Equifax written permission to furnish inaccurate information to my consumer report. which there is at least about 7 things that is reported inaccurately. ive also reached out to these companies about 2 years prior about reporting false and inaccurate information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since I first tried to be successful chasing the American Dream, companies like XXXX have been profiting off of me and keeping me down. They are the default " ethics police '' and the # 1 form of " lawful '' slavery. Their theft of my personal information means I ca n't even put money in a bank without those XXXX  knowing MY business ( not their business!!! ) I want them to delete my information from their database, they have made my life a living XXXX and I want justice. Their company keeps the rich rich and the poor poor. Their company supported XXXX XXXX and calls XXXX XXXX uncredible! ( For the record, I AM credible, dummy XXXX! ) I find their business model incredulous and can not believe that people are investing billions into this fraudulent scam to profit off of the American poor. This has no dignity and I am concerned that honest people are unwittingly supporting this classism through their investment " advisors ''!!! XXXX : Supporting classism for over 100 years! 
-XXXX p.s. if they made actual changes to help the poor ... that would be something, but as far as I can tell, in its current state, the company does more harm than good. 
Also their " freeze '' is XXXX.
Product: Bank account or service

I got a job offer and was sent a check to deposit so i could buy a laptop computer and home office supplies. I deposited the bank check drawn on The XXXX Bank for the amount of {$3900.00} on Thursday XXXX/XXXX/16 into my Santander Bank Account. I was instructed, by my new employer, to withdraw the money as soon as the funds cleared and deposit that money in a XXXX XXXX XXXX account. My employer supplied me with the account number. On Sat XXXX/XXXX/16, I checked with my bank and the funds were cleared and in my account. I withdrew {$3900.00} as directed. ( I was instructed to leave {$50.00} in my account for petty cash. ) I deposited the {$3900.00} into the XXXX XXXX XXXX account. My new employer said the vendor who would be supplying the laptop and home office equipment would take the money from that account to make the purchases. On Monday morning I got a call from my new employer saying that they needed me to deposit another check for {$2000.00} and then I became suspicious. I checked my Santander account and it was showing a negative balance of {$3900.00}.! I went immediately to the branch and spoke with the Branch manager XXXX XXXX. She told me that the bank check was fraudulent and that the funds had not cleared. I was told that the bank clears checks in two days, as a courtesey to their customers. Now truly how what I have known that the funds had not truly been cleared. I saw the funds in my account and assumed as anyone would that these funds are now available. The customer has no way of checking this. Perhaps the bank should put some kind of warning or disclaimer in place letting the customer know that the funds may not have cleared. But to be told by the bank on that it was not cleared ; it was a fraudulent check and on top of that there is nothing the Santander bank can or will do!!!! The bank assumes absolutely no reponsibility I can not believe that I am the first Santander customer who was scammed and I shocked at the Bank 's attitude and lack of customer service!!
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was incarcerated from XX/XX/XXXX to XX/XX/XXXX someone opened up a XXXX account in my name and ran up my credit and never paid the {$140.00} owed to XXXX XXXX XXXX. I tried disputing it on Equifax but they want a ten digit # I do not have.
Product: Credit card or prepaid card

This complaint is opened because the company closed the previous complaint, # XXXX, without resolving either of the issues I asked to be resolved - while lying to CFPB and me by saying they had, as can be seen by the screen shot of my app, attached. I have no access to either of these lines of credit. This feels like psychoterrorism designed to waste our time. We want both lines of credit restored as well as access to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Consumer Loan

I surrendered my vehicle in a bankruptcy that was discharged in XXXX of last year. The lender has refused to pick up the vehicle after repeated calls. I could n't afford to keep the car registered so the California XXXX put a levy on my bank account via the California Franchise Tax Board. I have {$0.00} in my bank account and no one will help me.
Product: Student loan

I recently sent a payment of XXXX to Mohela certified mail : XXXX, XXXX, XXXX, and XXXX. 

Since Mohela is not processing my payments, this account must be in a billing error with no contact or collect status. 

I also tried to contact Mohela using emails and phone calls. In which neither of the two ways were replied to nor answered. 

The following certified mail receipts prove that my payment was received and not processed : CERTIFIED MAIL # : XXXX, XXXX, XXXX, and XXXX Please process this payment immediately and do not call, or collect my account until this issue gets solved. 

If I get another notification of collection or a call, I will create another complaint a collect {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a review of my credit report at the XXXX, Experian and XXXX   consumer reporting agencies, I determined that said reports contained a XXXX  XXXX Visa credit card under account number XXXX-XXXX-XXXX-XXXX for which I did not apply. I initially disputed the credit card account as " not mine '' and XXXX XXXX returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did XXXX XXXX ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to XXXX, Experian and XXXX. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on my credit report.
Product: Checking or savings account

We discovered someone within our company was writing fraudulent checks to them self and a second person not working for the company. We contacted XXXX XXXX at Fifth Third Bank to let her know what we had discovered and requested additional prior months going back to 2010. ( She is our local branch manager. ) We asked for those images several more times from XXXX XXXX, but did not receive those. In XX/XX/XXXX we stopped receiving the canceled check images with our monthly statements all together. They had also changed the format of our online banking so that check images would have to be view individually, taking hours to reconcile. We made several attempts to get this changed, including calling XXXX XXXX and Fifth Third 's  customer service. We noticed that when we call the listed branch telephone number we are routed to a call center. They provided XXXX XXXX 's direct line, which is disconnected. Since we did n't get any response from XXXX XXXX, we called the Regional Manager, XXXX XXXX. We called three times and left two voicemails with no response. At this point we are seriously considering closing out our account completely. Employees working for Fifth Third are withholding information about our business account and allowing someone to defraud me.
Product: Debt collection

LVNV Funding is a debt collector. In XX/XX/2020 reported a debt on my credit report, the delinquency appeared on all three credit reports. I learned that LVNV funding was attempted to collect a debt on behalf of XXXX XXXX XXXX  for a credit card account that was closed by the grantor as the result of fraud -- that is, the account was opened by a person who used my identifying information without my knowledge or consent. Because the account was fraudulently opened and did not belong to me, LVNV funding can not maintain I am responsible for this account. I requested this removal and they refuse to send me the paperwork to dispute this account.
Product: Student loan

Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit, Sweet v. Cardona, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXXXXXX XXXX XXXX XXXX ), proves without a doubt that we have been absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit, and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans discharged in addition to the federal student loans. Loan balances through companies such as XXXX, XXXX, XXXX XXXX, and loan companies used for consolidation purposes ( such as Earnest, with whom my private loans are now held in the amount of approximately {$24000.00} ) should all be cancelled and refunded if those loans are taken out for a university on the list of fraudulent schools from the Sweet v. Cardona/Devos case XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This an account that was closed by the original creditor and then purchased by Portfolio Recovery Associates back in XXXX. The derogatory remark was supposed to have being removed from my credit report in XX/XX/XXXX then for whatever reason it was then bumped up to be removed in XX/XX/XXXX. I tried disputing this with no luck and when i called XXXX they said this is on record till XX/XX/XXXX because the shady company Portfolio Recovery sent incorrect information to XXXX to purposely have the incorrect information linger on my credit report for another 6 years. Portfolio Recovery is disgusting company that should be banned and put out of business for the underhanded things that they practice and do.
Product: Credit card or prepaid card

I sent the complaint before with my other email address and the Citi bank doesnt recognize it, So I sent complaint with my email. 

On XX/XX/2022 I had a spirit flight, who ever at the airport doesnt allow me to check in before XXXX minutes. So I had to buy another flight ticket on XX/XX/2022. After I go home I ask Citi credit card dispute the amount of {$160.00}, and then bank ask me upload the documents before XX/XX/2022 for this case. I didnt receive any email or mailing says that I need provide document, so I missed that part. And now Citi tells telling to find merchandise spirit which they arent willing to refund me back for my {$160.00}. I just feel not right, I dont even got my flight, I have to buy another ticket.
Product: Credit reporting or other personal consumer reports

I have a debt on my credit report listed as XXXX XXXX XXXX XXXX. The debt balance is from XX/XX/year> and is for {$250.00}. Upon speaking with personnel regarding the original debt the balance is {$130.00} which was subsequently sent to collection this amount is supposedly in reference to equipment that had not been returned to XXXX  upon cancellation of services. This balance was subsequently transferred to an outside collection agency by the name of IC System. Upon contacting IC System they have advised that the balance is {$250.00} and not the {$130.00} that XXXX has advised me is the cost of the debt. IC Systems stated that the equipment fees were {$120.00} and the rest was a past due balance which is incorrect. Upon speaking with the original creditor they were able to verify within the system that the equipment had been returned and that this debt is in error but yet the proper corrections have not been made to my credit report and this information is derogatorily reporting and needs to be removed/deleted immediately.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. An identity thief has used my information without my permission to enter into a business agreement with a company being reported as Mohela XXXX on my credit. 

I have enclosed a copy of my FTC Identity Theft Report along with this submission. 

To eradicate this issue myself I have spoken with Mohela/XXXX  directly on XX/XX/XXXX reporting the identity theft claim requesting for the immediate removal. I have also sent them a dispute letter via certified mail which will also be enclosed. 

I am demanding the immediate removal of this account from all CRAs and confirmation to be sent once it has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the response in regards to the inquiries The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i  ). *XXXX  / XX/XX/2020 *