23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I submitted a complaint to the XXXX and Chase corporate and have not received a response. On XXXX XXXX, XXXX I went to a Chase branch on XXXX XXXX XXXX, XXXX NJ XXXX. I had a coupon that offered a {$300.00} bonus if I open a Chase Total Checking Account and set up a direct deposit. The relationship banker, XXXX, that was helping me did not mention until she was done setting up the account that I 'm not eligible for the coupon until XX/XX/XXXX. I guess she wanted her commission badly because she promised to apply a code XX/XX/XXXX if I call her with another coupon. The XXXX was a XXXX and XX/XX/XXXX and XX/XX/XXXX was a weekend. I called the branch on XXXX and XXXX but XXXX was n't there. I finally caught her on XX/XX/XXXX where she was with a client and promised to call me back but never did. On XX/XX/XXXX I called again and she tried to apply my coupon. She told me that the system was n't recognizing it when I know it was a real coupon sealed, unopened and was originally from Chase. She said she would call corporate for help and call me back. She never did. I believe that I was tricked into opening an account at Chase because I never intended to have an account and was only hoping for the bonus. I do n't think Chase has the right to offer false bonuses to lure in customers. Moreover the relationship banker should have told me that I 'm not eligible for the bonus before opening the account.
Product: Payday loan, title loan, personal loan, or advance loan

In previous years, I had a good credit score and was able to obtain a personal loan from my bank. However, after my divorce, I began to struggle financially and started to use numerous credit cards and had a difficult time keeping up with the payments, resulting in a decline in my credit score. Due to this, I began to only use my debit card to build myself back up financially. In doing this, I was able to build my credit score back up and pay off any debts that were owed. Now, a year has passed after I fully paid off my debts, and I attempted to apply for a personal loan. However, despite my previous payments to rid of my debts, they said they were unable to provide me with a personal loan likely because of my financial history. I was told to report to this company, and I was just wondering if there was any way for me to fully clear out any financial history which may be the cause toward my inability to obtain a personal loan. I am aware that constantly applying for a personal loan may cause my credit score to decline. So, are there any other resources that could help with this current situation, or is there any advice I should take to go through with obtaining a personal loan without any issues? Get back to me when you can. Thank you for your time, and have a good day.
Product: Credit reporting or other personal consumer reports

Credit card was open in my name with the approval from my XXXX XXXX Trustee. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I attached the credit card company names right from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the middle of a refinance. I have signed loan docs and gone through the recission period. At closing the new lender ran a new credit report and found that my ex husbands loan is now showing delinguent instead of as a foreclosure. It was showing properly in XXXX when I received my loan approval. The new lender has my divorce papers that show this property was awarded to him, my ex and we also provided a copy of the comissioners deed to confirm the foreclosure. This is where the problem begins. The loan was with XXXX XXXX and the loan # XXXX and the old property address was XXXX XXXX XXXX XXXX # XXXX XXXX hawaii XXXX. I have been calling this lender since last week Wednesday and they just give me the run around and nobody there can help me. I have asked to get to corporate and many supervisors all of whom cant or wont help me and the credit bureau will not fix the incorrect reporting without a letter from XXXX and they tell me only only someone in customer service can do this and that I have to email them. I have done this and they still say they have no email from me. I am now being asked for extension fees in order to keep my loan approval good until such time that they decide to help me. I am going to be saving over {$600.00} per month on my payments and I would like XXXX to pay any additional cost that I will incure due to the miss reporting on my credit report from this company. My email is XXXX and would appreciate anything you can do to assist me.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 - I opened my email to several emails from the company MoneyLion saying that I had completed my signup and a phone number that was not mine was in the profile. I contacted the company but have heard no response nor have I received any response from the chat message feature on their website. I am trying to cancel this fraudulent account before any transactions are made in my name.
Product: Debt collection

On XX/XX/2020 ; I sent a letter certified to the collection agency informing them that I was requesting Validation and Proof id Claim for an account that was being reported on my credit reports. I received the certified card back on XX/XX/2020 with a signature that my letter had been received. On XX/XX/2020 ; I received my XXXX  credit report and the account had been deleted yet it still remains on my XXXX  and XXXX   credit reports. I am again requesting this collection agency send documentation to have this account deleted from my XXXX  and XXXX  credit reports ASAP and also provide me with the documentation that this has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are both a result of Identity Theft. XXXX had a data breach, and someone with access to my personal information is using it to make transactions that are damaging my credit. I have no idea what or who this may be. I have attached proof of a data breachfromXXXX.
Product: Debt collection

I have been violated multiple times through a debt collector with the debt I never had 15 U.S Code 1692d states that a consumer shall never be harassed or no words of abuse but yet this has happened on multiple occasions I have been harassed about debt that does not pertain to me Ive been contacted and sent letters even though me as a consumer is not supposed to have no contact with a debt collector 15 U.S Code 1692c. This debt collector company have had unfair practices and unlawful violations that continued to keep violations 15 U.S Code 1692f.
Product: Checking or savings account

XX/XX/XXXX at XXXX. Received 1st email from Wells Fargo, sent to my personal email " XXXX ''. Email was addressed to XXXX XXXX ( my maiden name ) saying " We have received your application ''. At XXXX I received a email from Wells Fargo XXXX` Access your deposit account documents electronically ''. At XXXX another email from XXXX " Please complete your Wells Fargo Online enrollment ''. At XXXX another email from XXXX " Next Steps for Your Application ''. Access code in email : " XXXX XXXXXXXX ''. An email at XXXX from XXXX, " Your Wells Fargo contact information has been updated ''. Showing the new email as : XXXX. Then at XXXX I received another email from XXXX saying my application for a new Wells Fargo account has been approved. ( I have pictures of these emails ) At XXXX I spoke with multiple employees at Wells Fargo ( XXXX ). They stated they will freeze the account, and have it set up for cancellation. They set up a fraud case ( Wells Fargo Fraud Case ID # XXXX ) and will be mailing me information and confirmation in 30-45 days. Through my own research, I was able to located the application documents for the account. ( I have copies of these documents ) It shows the account number ( was ) # XXXX. The name on the application was " XXXX XXXX '', their phone number ( and I assume this is the perpetrator ) # XXXX ( not mine ). The address on the application showed my previous address, " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX ''. The Drivers License showed as " # XXXX EXP XX/XX/XXXX '' ( again not my DL # ). They were using my social security number. I have now frozen my credit, and am having to do many things to safeguard my identity. I am very very scared that they will use my identity further, and I wont be able to stop it again.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX. I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 


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

On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXX Services -XXXX XXXX On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : -Professional Finance -XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional unauthorized inquiries on XXXX XX/XX/XXXX : -Professional Finance -XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing to report an incident of unauthorized transaction and subsequent dispute with Chime Bank, and I seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter. 

On XXXX  XXXX, I received my Social Security check into my Chime account. However, immediately after the deposit, the entire amount was taken from my account without my authorization. Upon discovering this unauthorized transaction, I promptly contacted Chime Bank to stop the transaction. Unfortunately, I was informed that they could not intervene until the transaction was processed, after which they could open a dispute on my behalf. 

After waiting for 48 hours and observing that the transaction had indeed gone through, I contacted Chime Bank again to open a dispute. Despite my efforts, Chime Bank declined my dispute after five days, citing a purported lack of proper investigation.

I strongly believe that my case warrants a thorough investigation and resolution. The unauthorized transaction has caused significant financial hardship for me, and I request the CFPB 's intervention to help recover my funds. 

Below are the details of the dispute : XXXX XXXX Claim ID : XXXX - Dispute Type : Debit - Unauthorized Transaction - Date Error Reported : XXXX - Claim Amount : {$1900.00} I kindly urge the CFPB to take swift action on my behalf to rectify this situation and ensure that justice is served. Please do not hesitate to contact me if further information is required. 

Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

First, I did not utilize the benefits ( Discover Payment Protection Plan ) on the account to keep the account open. There are over {$1000.00} worth of fraudulent charges on the account. I have them listed below. Secondly, I am able to pay about {$40.00} a month. There are other customers, at Discover Card, paying {$40.00} a month on their account. He is being discriminatory. He may be racist. My health is failing and I need to purchase a used vehicle very soon. I would not like this fraudulent balance on credit report. He did not notify me of my account closing, he said it was caused from one or two things. Anyhow, he closed the account unlawfully. I had this account for 18 years, however, when people are busy with other accounts they tend to not look over their statements accurately.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, A promotion for XXXX XXXX XXXX card was referred to me. The offer was XXXX points for my referrer and XXXX points for me after completing the spending requirement. 
On XXXX XXXX, XXXX, I applied the card via referral link and approved. 
I finished the spending requirement by the end of XXXX. Upon the completion of my requirement, my referrer got XXXX points bonus. However, my XXXX bonus has not been awarded.
Product: Credit card

Chase Bank continues to advertise an offer for {$0.00} plan fees for first time use of their " My Chase Plan '' in their application on XXXX. Upon attempting to redeem, it is consistently not honoring the fee reduction and forcing a fee. There are no other attached requirements other than an " eligible purchase '' which mine shows up as one. 

I have contacted them for over 4 weeks now, with no resolve causing me to either front the money to pay off the charge at once, pay the associated ~ {$800.00} fee or let it alter my credit score for the negative.
Product: Credit card or prepaid card

On XX/XX/2021 i, a consumer and natural person, entered a consumer transaction by extending credit to American Express for a Blue Cash Everyday credit card. I received notification via email that i was denied due to a credit score. There is no law that says i'm subject to a credit score or consumer report with XXXX, XXXX or XXXX. What law says i can be denied my own credit? I gave them my credit card, pursuant to 15 USC 1602L is any card ( social security card number ) and received no benefit. Pursuant to 15 USC 1602P no benefit to a natural person is unauthorized use. What law are they using to deny me my own credit? They've performed an unlawful adverse action.
Product: Debt collection

I have attempted to dispute these charges with the credit bureaus as I do not own this amount nor are they attempting to collect the correct amount. I have requested proof that this debt is owed including dates, my signature agreeing to pay this amount and a break down with no success. This was a secure credit card which means I placed a deposit of the exact amount I was going to use, yet they have disregarded the deposit and are charging me the full amount which I do not owe.
Product: Checking or savings account

XX/XX/XXXX, received email that Copper was no longer active with current deposits and money would be direct deposited. 
XX/XX/XXXX, received email that as of XX/XX/XXXX the company was notified by their partner company that there was a freeze on all funds. I sent an email to support but no response. 
XX/XX/XXXX, finally chatted with a person and not a boy asking for a timeline for my childrens money to be returned as the app was a kids banking app and was told there is no timelinecould be day, weeks, months, years
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Product: Checking or savings account

My debit card number was duplicated and my PIN number stolen. The first transaction was XX/XX/XXXX for {$43.00} then XXXX for {$23.00}, XX/XX/XXXX for {$110.00}, and XX/XX/XXXX for {$43.00}. I called and reported all of these as fraudulent to my bank. The dispute was denied because I had the debit card in my possession at the time of the theft despite my telling them they are fraudulent charges. I went to the bank and got a new debit card. On XX/XX/XXXX I reattempted to initiate a dispute and was again denied. My debit card information was again stolen, duplicated, and my PIN number used on XXXX for {$53.00}, XXXX for {$130.00}, and XXXX for {$43.00}. I have re-initiated a dispute and this time started a police report because I have lost almost {$500.00} that my bank refuses to help me recover claiming that there is nothing they are willing to do because the card has been in my possession despite my telling them where I think the information is getting stolen from and the police acknowledging that cards get duplicated.
Product: Credit card

I had a department store card with Macy 's ( I believe the underlying bank is Citibank ) sine XXXX. 
-I believe they have pyramided late fees on me -Closed my account unfairly -Possibly reported me to the credit bureaus over a small matter -Treated me disrespectfully I had a small balance with them as of XXXX of XXXX. I made sure I paid off that balance and went on XXXX. I had my XXXX in XXXX, and once all the dust settled around XXXX I started checking my financial situation to make sure everything was in order. My Macy 's card was one of the things that I wanted to check, but for some reason I was not able to access the card online ( later I was told by the customer service that I had been banned from accessing the website because my card was suspended and later closed ). I had opted in for online statement, so I was not receiving paper statements either, but I was sure I had paid off the balance. 
In XXXX, I received a call from Macy 's collection department asking me to pay off a balance of {$8.00} and some change immediately ( {$4.00} was late fees ). Turns out when I had paid off my balance in XXXX, some residual was left, probably from the interest that I had accumulated in the month before. I paid the whole thing off with a representative and apologized. I did explain my case to them, but no mercy was taken, and since the amount was small I did n't insist. 
Imagine my surprise when in XXXX I went to a Macy 's store to purchase some holiday ornaments to find out my Macy 's account was closed. I contacted them again and was told that I have another {$4.00} balance on my credit card, and since I was such a chronic late payer, they had closed my account. That entire balance was late fees again, and they were not willing to wave the fee, so I paid again. At the beginning of XXXX, I received a paper statement from Macy 's stating I owe them {$2.00} again. I called them and this time I insisted that they stop this and wave this fee, they said they did. Please look into this matter for me. They have n't told me if this has been reported to the credit reporting agencies, they have charged me too many late fees, and they have closed my account which reflects poorly upon my credit, and I need my Macy 's card.
Product: Debt collection

Midland Credit has posted a {$1000.00} debt on my credit report. I have requested validation a number of times. Most recently in XXXX of 2021. Their failure to respond indicates to me that they can not validate this debt and/or it must be a result of ID theft. I am requesting it be removed from my credit report immediately. I have attached the request to this complaint with includes the tracking number to established when it was delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called NissanXXXX XXXX. I told them the account is over 7 years old. Its been over 7 years since I turned the lease back in. I havent made a payment in over 7 years and it shouldnt be on there. The account says I pay every month. The lady told me it was gon na be reported to the credit bureaus and stay open as long as there is a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting my student loan account as derogatory. They are reporting late payment from XX/XX/2017 which was declared illegal to report transactions history to credit bureau. This account should be discharged due to the school I went to is listed on the fraud list XXXX XXXX . I disputed this several times with each credit bureau.
Product: Debt collection

To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last six months, or the last two years of employment purposes. 

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have XXXX days to complete your re-investigation. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Product: Mortgage

I paid mortgage for the month of XXXX and XXXX 2016 with XXXX separate checks of {$600.00}. I continued to receive statements claiming I was late. So I called and was told I left off XXXX per check. So I made payment and was told system will automatically know correct payments has been made and will apply payments accordingly. I was told will take 5 business days. After 3 weeks later they are still holding my mortgage payments in unapplied funds and charging me late fees. I have called several times to get this issue resolved to no avail. Please help