23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

TO WHOM IT MAY CONCERN AT CHASE BANK ' I AM SENDING IN A NEW PIECE OF EVIDENCE RECORDED TODAY AT MY MOTHERS HOME, XX/XX/XXXX TO PROVE I WAS AUTHORIZED TO TAKE MONEY FROM MY MOTHERS XXXX XXXX XXXXXXXX ACCOUNT AND ANY OTHER ACCOUNTS FOR THAT MATTER WHEN SHE WAS CRITICALLY ILL DURING THE MONTH OF XX/XX/XXXX THROUGH XX/XX/XXXX. 
YOUR BANK IS STILL HOLDING XXXX CENTS OF MINE FROM ACCOUNT XXXX AND XXXX. 
THIS ATTACHED RECORDING MENTIONS THE CLAIM NUMBER, XXXX  XXXX XXXX BY NAME AND MY MOTHER SAYING IN HER OWN WORKS SHE TOLD ME TO TAKE THE MONEY FROM HER XXXX  XXXX XXXX ACCOUNT. ACCORDING TO XXXX XXXX XXXX ONLINE DISCLOSURE POLICES AND RULES, THAT MAKES ME AN AUTHORIZED USER. ALSO OF COURSE SHE GAVE ME HER USER NAME AND PIN NUMBER OTHERWISE HOW I WAS TO TAKE THE FUNDS OUT FROM HER ONLINE BANKING. 
THIS WILL CONCLUDE THE UNEQUIVOCAL EVIDENCE TAKEN TODAY, FROM MY MOTHERS OWN WORDS. SHE ALSO SAYS SHE NEVER SENT BACK THE FORMS TO XXXX XXXX XXXX, AND I SAW THAT MYSELF TODAY AS WELL. 
THEREFORE, PLEASE CONCLUDE YOUR INVESTIGATION AND RIGHTLY RETURN MY FUNDS IN FULL TO ME ASAP. HERE IS THE AFFIDAVIT I SENT TO XXXX XXXX XXXX AND THEY MUST ALSO COMPLY WITH THEIR RULES AND POLICIES AND HONOR THE EVIDENCE HERE FROM MY MOTHERS OWN VOICE. WHICH I HAVE BEEN TELL YOU AND THEM ALL ALONG AND ALSO SUBMITTED OTHER RELEVANT EVIDENCE PREVIOUSLY TO YOU AND XXXX XXXX XXXX. XXXX XXXX XXXX IS OUT OF LINE TO MAKE ANY RULING AGAINST ME. I SPOKE WITH AN ATTORNEY AND ALSO LET HIM LISTEN TO THIS RECORDING TONIGHT FROM MY MOTHER AND HE SAID THIS SEALS THE CASE IN MY BEHALF AND PROVES MY INNOCENCE FROM ANY WRONG DOING. IF I NEED TO GO TO COURT IN A CIVIL HEARING ON THIS I WILL. I HAVE DONE NO WRONG DOING AND CHASE SHOULD RESTORE THEIR RELATIONSHIP WITH ME AGAIN. 
XXXX XXXX XXXX 'S DISCLOSURE STATEMENTS REGARDING THIS ISSUE BELOW>>> -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- B. Limitation of Liability for Online Banking Transactions : When you give someone your Online Banking ID and passcode, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.
Product: Vehicle loan or lease

I called Chrysler Capital XX/XX/XXXX to ask for assistance with hardship for my lease agreement. I am self employed and have been affected by covid once again since businesses are closed. After waiting on hold for 25 minutes and talking to their " assistance center '' I was hung up on by the gentleman who seemed to have an attitude. I spoke with a rep who first said they would push back the payments for 2 months and transferred me to the " assistance center '', the rep at the assistance center had attitude and hung up the phone. I went through this same EXACT issue back in XXXX when I was impacted by Covid. Back in XXXX, I called twice, first they told me they had no options available after my husband had just spoken with them and received a 2 month deferment for hardship, then the rep had attitude and then I was again hung up on. 

I've been a customer in good standing since 2018.
Product: Credit card

Firstly, I would like to point out that I am being penalized unfairly by a financial institution whose actions described herein appear to be at best arbitrary and at worst discriminatory. I have a perfect record of one time payments with the exception of a department store card issued by capital one. I own my home and have excellent credit. I missed a 30-day deadline for one of my credit cards during XX/XX/XXXX/XX/XX/XXXX. All other bills were paid timely. I was out of the country and I made sure to pay my bills before I left however, this particular payment was an oversight. I had no idea that I was late with a payment, if I had, I would have immediately paid this bill over the phone. Further, I ensured that I had international phone service abroad for any emergencies that may come up while I was away. I never revived a call or voicemail indicating that my payment was late. Missing this payment had nothing to do with my creditworthiness as far as being able and willing to meet my financial obligations. When I returned to the country and realized that I had missed a payment, I immediately brought my account current. I submitted a request to the company to remove the flag in order to restore my standing and I explained that this was a one time error that would not repeat itself. They denied my request and did not give a reason as to why. I believe that this not only is a poor business practice, but it also penalizes me unfairly whereby others have been granted this request. I understand this company has a history of appearing to make credit decisions based on certain demographic information. I 'm XXXX and XXXX. That is the only notable difference between me and another individual who was granted this request. Although this is not a credit decision, per se, the denial of good faith action from a financial institution will negatively impact my credit for years to come. I came to my creditor in good faith to advise that this was a one-time error that was exacerbated by me being out of the country and unawares of my late status. For instance, I received no call or voicemail once my payment was past due, at a minimum I expect the bank to exercise certain actions such as a phone call when a payment has been missed. I ask that the CFPB intervene on my behalf and request that the credit card company remove the 30 day late flag from my credit report, and restore my perfect repayment history. Further, I would like to ask the financial institution to provide an explanation around the decision to deny a goodwill gesture or accept certain other requests.
Product: Money transfer, virtual currency, or money service

I performed threefinancial transactions using an application provided by PNC Bank usingmy checking account ending with x XXXX. Thethreetransactions totalling to {$2400.00} are : {$100.00} dated XX/XX/XXXX {$1200.00} dated XX/XX/XXXX {$1100.00} dated XX/XX/XXXX 2. These payments weretowards rent ( {$1100.00} from From XXXX XXXX to XXXX XXXX, XXXX ) and security deposit ( {$1300.00} ) for renting of property # XXXX, XXXX XXXX XXXX, XXXX, HI XXXX. 3. It turned out that thereceipient did not send the key for theapartment as promised in theemailand contract ( XXXX is theemail used for bank payment and emailcorrespondence was with XXXX XXXX and cell phone : XXXX ). 
4. The transaction did not reach aclosureand it turned out to beafraudulent transaction. 5. XXXX County Policecasereference number:XXXX. FTC Report number:XXXX IC3 FBI Complaint filed on XX/XX/XXXX. 
6. PNC Bank denied my dispute request to flag thetransactions as fraudulent but the PNC Bank denied my requests.

7. I earnestly request you to impress on the bank to reversethetransactions and credit my account with thesethreetransactions foratotal of {$2400.00}.

8. Submitted please. XXXX XXXX
Product: Debt collection

Data Check of America has contacted me about a bad check I wrote to XXXX XXXX. I asked for something in writing to be mailed. Never got anything in the mail. They asked me to view a check on the website I did looked like a check I wrote. This is a check from 2001 and I no longer bank with that company. I pay my bills and if they would simply mail me notice I will work some type of settlement if I in fact owe it. Then I get a call from the " attorney '' XXXX XXXX XXXX from GA but I ca n't find anything on them. I spoke to a XXXX XXXX XXXX told her also to mail me something and she told me that was a stall tactic and she would not fall for my SCAM???? She said they were going to take to to court and starting yelling because I told her to simply mail me something over and over she continued to act unprofessional so I hung up. I looked on the XXXX under datacheck of america and the address this number listed above falls under them. I also tried to look up the law office referenced and could not find anything. I just wanted something in writing I will never pay something over the phone. She had my SS # address and name. There is nothing on my credit report I have checked. Please help me.
Product: Credit reporting or other personal consumer reports

Today is XX/XX/2024. I checked my credit report and saw fradulent accounts open in my name. Please remove these accounts. I have never opened these accounts or used these services with these companies. 

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

I've reached out to the credit bureau regarding the inaccurate information that is appearing on my credit report as a result of my identity being stolen. Ive reach out to XXXX, Equifax & XXXX and my complaints fell on def ears. The following accounts are a result of my identity being compromised. I never given anyone permission to use my name and social for anything. 

1. XXXX XXXX {$310.00} 2. XXXX XXXX {$440.00} 3. XXXX XXXX {$600.00} 4.XXXX XXXX {$990.00} 5.XXXX & XXXX {$830.00} 6 . XXXX XXXX {$720.00} 7.XXXX XXXX {$1000.00}
Product: Student loan

I am XXXX XXXX XXXX and have applied for the XXXX  discharge months ago. My balance keeps going up with no explanation and negatively being reported on my credit report when I don't even have a payment due! I have submitted all of my letters from Social Security XXXX  to Nelnet to prove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in the business as a trade practice and business model of protecting its paid subscribers and not the consumers whose information they collect. The federal government is n't one of those subscribers in respect to the federal court system. Experian utilizes third party vendors to collect court records utilizing incomplete information and in such report back to the consumer that information has been verified, while it has n't by the standards verified complete information concerning the consumer nor does it report the third party vendor.   Experian was subject to a complaint concerning information that is n't mine, in the process I provide social security card, and  XXXX  tax formfrom th e social security administration to   verify my name as well as my social security number. In the attempt to cover up their practices of never removing information that is inaccurate they added the name which is n't mine to my file and then said they verified the information. This practice is illegal and must be stopped
Product: Credit card or prepaid card

I made a payment with Macy 's credit card company on XX/XX/2023 in the amount of {$460.00}. I received a noticed on XX/XX/2023 from XXXX informing me XXXX XXXX my account is in the negative and my credit card from Macys is reporting a late charge. I attempted to resolve my concern with Macys requesting documentation of the all the dates they attempted to take the money from my account and documentation showing they notified me about the payment not being process. When asking for that information I was told by the " collecting dept '' they have no way to provide me documentation of the information I am requesting. I spoke with several people from Macys trying to resolve my issue but no one was or could send me the information. I also informed each representative and supervisor from Macys the only information I received was on XX/XX/2023 letting me know the payment was completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Navy Federal a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. Navy Federal is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my GOD given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life.
Product: Student loan

On XX/XX/XXXX, I submitted an e-mail to Navient through its website, after submitting yet another deferment request for the period starting XX/XX/2020, after receiving a response that denied the first deferment request and that stated that they never received documentation of receiving unemployment benefits for that same time period. I DID, in fact, submit proof of unemployment. I also noted that I was told in my first CFPB complaint that I could be refunded my payments for that period after submitting a deferment request. ( In my first complaint, I noted that Navient denied receiving a deferment request for that time period, when I, in fact, DID submit the deferment request for that time period. ) After submitting the financial hardship deferment, I submitted proof of unemployment benefits immediately after ( again ). 

Navient is once again denying deferment for that time period, and that ( once again ) they deny receiving documentation of receiving unemployment benefits. 

Isn't a servicer of federal student loans held to a higher standard than this? 

Please see attachments. 

Sincerely, XXXX XXXX
Product: Mortgage

Applied for refinance with my current mortgage holder Chase Mortgage in XXXX, Texas. Locked in rate for 90 days in XX/XX/XXXX. I was notified the day the rate lock expired, XX/XX/XXXX, that the title company was unable to secure records showing a secure and clear lien on my home and that supposedly the title company could not provide an estimated time to secure these records so Chase Mortgage decided to let the rate expire. My wife within 2 hours of searching the internet found all the required documentation in the local county 's office website and on a federal website and she has no formal training or background on how to perform these type title searches so surely a title company and Chase should have been able to find it in 90 days. Additionally, there is provision in the law that allows the current lien holder, Chase Mortgage, to execute an affidavit to secure the lien which takes less than 30 days and Chase Mortgage chose not to perform this task as well thereby choosing to allow the loan rate to expire. Additionally, Chase Mortgage was the current holder or the lien and had secured a previous title policy securing the lien in XX/XX/XXXX so Chase knew the records existed and should have had clear record of this information since they were the current lien holder. Now, Chase mortgage is refusing to honor the original refinance rate, refusing to reimburse my earnest money, refusing to reimburse my appraisal fees, and not returning my calls or emails. I have secured all the proof that Chase and the Title company had access to this information but failed to secure it so they could let the rate expire and keep my at my current rate. I am requesting that Chase honor the existing refinance rate of XXXX and finish my refinance per the original contract agreement. My Chase contacts are XXXX | XXXX | NMLS ID XXXX | Mortgage Banking | Chase | XXXX, TX XXXX | Office : XXXX | Fax : XXXX | XXXX XXXX |XXXX | NMLS ID XXXX XXXX Mortgage Banking | Chase | Office : XXXX | XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance iwth the Fair Credit Reporting act XXXX XXXX  Acct # 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 604a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I sent notice to companies that they were illegally reporting inaccurate information to my credit reports every single month under the Fair Credit Reporting Acts and that they didn't have permissible purpose to do so and that I needed proof in writing within 30 to 45 days and I sent letters via certified mail and I haven't heard anything back from anyone and this was XX/XX/XXXX and now it's XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was told on numerous occasions from the bank that they sent the money back to you and and you guys keep saying that I still owe you money cuz they didn't send it back to you well obviously I didn't get the money so why am I being held responsible for something that I didn't receive this isn't very fair and this goes against my XXXX rules Americans with XXXX cuz I'm do a prompt resolution to my Grievances and this has been going on since XXXX of XXXX last year!! As you can see the bank claims to have never received anything from you either!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting 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 have 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 an account without my written instructions.
Product: Checking or savings account

I opened a checking account with Chase Bank in XXXX. There is not supposed to be a monthly service fee if I meet certain criteria including " have electronic deposits made into this account totalling {$500.00} or more ... '' during the statement period. This has been done every month and for the first 2 months there was no fee charged. However, on the latest period ending XXXX XXXX, I was charged a {$12.00} fee even though {$1300.00} in electronic deposits was made. I called Chase Customer Service to complain and was told that the 2 deposits made by transferring funds from accounts I have with other banks were not electronic deposits. That obviously not true, these were electronic deposits. Hence I should not have been charged the {$12.00} fee.
Product: Credit card

I made an XXXX transfer to XXXX XXXXn XXXX XXXX XXXX XXXXn the amount of {$220.00} which has not been applied to my account. I confirmed through the website 's chat that the payment was received and processed on XXXX XXXX XXXX but was not applied to my account. Even though they have confirmed receipt of the payment they are requiring ME to provide to them proof I made the payment. This is a stall tactic which will end up with an incorrect report to the credit bureaus and potentially interest and late charges due to their negligence and refusal to remedy the error which they have admitted has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. Not to mention that My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
Product: Credit card

I applied for a credit card with ConcordXXXX XXXX XXXX XXXX  dba Indigo Credit Card . I am in need of building my credit after a bankruptcy. I applied and was sent an email requesting information to confirm my identity. I complied and sent my drivers lines, passport, social security card and my latest utility bill. I was sent a denial letter because they could not verify my name/last name.Confused, I called to find out what the reason was and after speaking to XXXX people for XXXX minutes, I still do not have an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report received on XX/XX/2019 from XXXX XXXX/Sterling/XXXX contained an alias " XXXX XXXX '' that is not associated with me in any way. I would like this association removed from the database. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN XXXX XXXX XXXX. XXXX, TX. XXXX ( XXXX ) XXXX, In XX/XX/XXXX I contacted the XXXX XXXX XXXX by submitting a complaint online on their website in regard to the company listed above known as OneMain Financial. I submitted a complaint that the company was illegally using phishing postal mailing scams for pre-approved loans in order to false-fully obtain credit information from prospects, I was a victim of it. The company used false advertising in order to obtain my credit information in which they ultimately denied any type of pre-approved loan. The branch office was located : XXXX XXXX XXXX XXXX, XXXX, PA. XXXX. I submitted corporate 's information to handle the illegal phishing scam. I have two ( 2 ) Hard inquiries on my XXXX credit report from ONEMAIN in which I already submitted claims of fraud/scam in which I did not authorize or make any hard inquiries in order to access my personal credit report. The dates reported : XX/XX/XXXX- Reason " Unspecified '' XX/XX/XXXX - Reason " Unspecified '' I was a victim of the original phishing scam on XX/XX/XXXX in which I did give my information but it was used against me since I was ultimately denied after supposedly already being pre-approved. However, XX/XX/XXXX I did not contact or authorize this company in any way shape or form due to the fraud/scam already reported to the XXXX in XX/XX/XXXX. I reported that I did not want any contact from this business whatsoever as it would be considered harassment. The XXXX. also rejected a recently submitted complaint and responded that that OneMain Finacial headquarters located in the state of Illinois is no longer in existence to be contacted. The above contact information should be valid as it is actively/ presently reported on my credit report. *Please see XXXX  credit report uploaded as an attached document and the black circled areas as they pertain to the hard inquires I am disputing. 

***OneMain Financial Corporare Headquarters Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IN XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Tower Loan of XXXX States in XXXX, that I took out a secured personal loan with them and I have no knowledge of this until I checked my credit report and I disputed the claim and XXXX said that they verified it. I did not take out this loan. I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX /  XXXX      XXXX   XXXX   to     XXXX   XXXX   I spoke to 2 representatives. One was a regular representative and the other was a supervisor named    XXXX   XXXX  fo r 39 m inutes about the glitc h the Trans-Union had that erased my inquires and they added them back without formal   communications about what had happened. Neither of the representatives helped me and I was told that they would not help me.