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

My complaint is about chase closing my credit card for unreasonable reasons and failing to provide reasonable follow-up. 

I successfully applied for and got a chase XXXX XXXX credit card ( end in XXXX ) on XX/XX/XXXX. However, chase closed this card on XX/XX/XXXX. But chase couldn't give a clear reason in the notification letter. When I communicated with the chase fraud department for the first time, they gave me the reason that I did not submit the w9 form as required by the previous letter, and provided me with a solution, as long as I resubmit the w9 form, they will help me reopen this credit card account. This communication is marked on my case. 

I looked at the letters that chase sent me in XXXX and XXXX. In the letter, chase only asked me to submit a copy of my social security card, NOT asked me to submit w9 form. I also faxed a copy of my social security card through fax from the local branch on XX/XX/XXXX, as requested by the letter. So I think it's not my fault that chase didn't receive the w9 form, it's caused by chase. This account closing reason is unacceptable. 

In order to reopen the card as soon as possible, I followed the customer services suggestionson, on XX/XX/XXXX and XX/XX/XXXX, I submitted all the materials that the chase may need by fax and secure message, including the copy of credit card, copy of SSN card, copy of driver 's license, SSA-89 form, W9 form and letter from chase. 

After I submitted all the materials, I tried to communicate with chase again, but no progress. In the 40 days from XX/XX/XXXX to today, I visited the local branch twice, made more than 20 calls to the different customer service departments of chase, and sent two secure messages. But no one can help me. The local branch suggested that I contact the phone customer service, and the phone customer service suggested that I seek help from the local branch. One of the experiences that XXXX me off the most was my phone being transferred to 6 different departments in turn, but each said it wasn't their area of work. Every staff could not help me or even seriously understand my situation other than saying that they work according to the procedure. I had no choice but to file a complaint with the Consumer Financial Protection Bureau for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments XXXX XXXX XXXX XXXX account for months. Not only that, the account is reported duplicate on my Experian credit report..They also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Debt collection

this false information I have never opened an account with XXXX on XX/XX/XXXX. 
CONVERGENT OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$790.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$790.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$790.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have an incorrect account reporting on my credit report from the company Midland Funding, LLC. I sent a validation letter to Midland Funding which was received by them on XX/XX/2020. As of XX/XX/2020 my alleged debt to Midland Funding still has not been properly validated. As of XX/XX/2020 Midland funding continues to report an incorrect /unvalidated/unverified account on my credit report. To my understanding this is against federal law. Also, to my understanding Midland Funding LLC had a judgement against them vs State of Texas in XXXX County TX district court for not acquiring consumer agreements and providing them per alleged debtors request. I have requested a consumer agreement and have not been provided a copy of the agreement as of XX/XX/2020. This is against my federal rights to have incorrect unverified accounts reporting on my credit report.
Product: Checking or savings account

I open up a XXXX gold checking account back in the beginning of XX/XX/XXXXI had two check deposits which one of the deposits was my settlement for my attorney for XXXX + the second deposit that I had made into the account was XXXX the check was given by my employee supposedly the XXXX  check got returned back to my employee because of being a bad check so because of this matter citi Bank decides to close my account on XX/XX/XXXXhave to closure of this account till today I 'm not being able to access any my funds and the reason is they do n't have no reason they stayed that I have to wait about 60 days in order for me to have access to my funds, why I have to wait 60 days for no reason of the closure of the account and every time I 'm calling the representatives to the fraud department in going to the bank and nobody is giving me a decent answer I 'm getting run around and trying to understand why am I being held for my money for 60 days, i have XXXX  kids XXXX XXXX and XXXX XXXX XXXX i work hard for my money barely making with that paycheck week by week and the fun that I have in the account that I have to wait for 60 days which has nothing to do beeing my fault which now its going to be hard for me to support my XXXX kids not having access to those funds whoever 's going to read this message try to make things work because there 's no such a thing holding funds for 60 days without having any good reason if that was the case why did you guys end up opening up the account in order to take the customers money give it a bad reason and take their funds and make money off of the customers money for 60 days until the customers is your money you 're taking that money away from my kids and because of this matter somebody 's going to be responsible for the damages if I can not buy any nutrition my XXXX kids or come up with a good reason that you guys holding my money for 60 days cuz my money is making money to your Citibank
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Ally Bank XXXX XXXX XXXX XXXX, Mn XXXX. This involves a settlement that I reached with this bank that they offered me and I accepted. They specifically told me that this would not effect my credit in any way. I have a letter from Ally dated XX/XX/2019 stating that the debt had been settled and I was released from all obligations. I will attach a copy of this letter.The next thing I find out is that XXXX ( which I subscribe ) lowered my score due to the settlement 100 points from XXXX to XXXX. I have filed two complaints with XXXX with no results except to tell me that no adjustment would be made. XXXX also lowered my score almost 100 points also. XXXX did not lower my score at all. My scores as of today are as follows : XXXX XXXX, XXXX XXXX and XXXX XXXX. They all should be in the 800 range as I value my credit very much.
Product: Debt collection

On XX/XX/XXXX, I moved out of XXXX XXXX XXXX in XXXX, XXXX XXXX due to XXXX XXXXXXXX, and I also did cash for keys, which the apts offered tents due to XXXX. The management didn't provide documentation when I turned my keys in. They told me they would mail my letter to the new address where I was staying, XXXX XXXX XXXX XXXX, XXXX XXXX. Now I'm stuck with {$6400.00}, and I have sent letters out to ProCollect , INC, XX/XX/XXXX, and tomorrow I will send the second letter out XX/XX/XXXX stating to remove the debit off my credit if they can't provide a contract with my signature and they are a third party company.
Product: Credit reporting or other personal consumer reports

I have took a look at my credit report recently and I'm honestly furious seeing my credit report reporting inaccurate information against me. I see inquiries that I did not authorize. According to 15 U.S. Code 1681c2, a consumer reporting agency shall block the reporting of information that results from an alleged identity theft. This is a form of identity theft. 

The following inquiries I did not authorize : Equifax and 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: Credit card or prepaid card

Discover Financial Services refuses to refund me for an order that I paid for and never received. The order was marked as delivered with no images of delivery on XX/XX/XXXX. I contacted the company in question ( XXXX ) to let them know of this and that I would like a refund, as I was traveling soon and would not be able to receive a replacement. They refused, despite not have any written policy that says they are not liable for lost packages ( or ones that are not received ). When I questioned this, their response was that " Not all of our policies are explicitly written '', which is problematic. 

I filed a claim with Discover to dispute this charge. Discover, to my surprise, sided with the merchant after receiving a document ( that I could have provided ) that marked a timestamp for delivery. This is not proof that the item was actually received or even delivered to the correct address ( or even delivered at all ). Why? Because carriers oftentimes make mistakes. This wouldn't be the first time a customer of any company has had something delivered ... to only find that it's not actually there. Despite being a customer with Discover for 8 years and not filing a single dispute prior to this, Discover requested that I jump through various hoops to get this resolved ( XXXX, FTC, Attorney General, XXXX claims and complaints ). They did not require anything else from the merchant. This seems wildly unfair and problematic, because as my bank they hold the funds that I used to pay for this purchase that I, again, never received. 

I contacted XXXX to make a claim and they denied it saying that the merchant ( XXXX ) must file the claim according to their agreement, but XXXX has refused to do this. This leaves me with absolutely no recourse, and as a last resort ( my bank ) has denied me as well. This is ridiculous, unfair, and unprecedented. 

I am the Head of XXXX at two startups, and I file responses to chargeback every week. Every claim that has been made by a customer who says they have not received a package that was marked as delivered has ALWAYS been successful - meaning that their bank has NEVER sided with us, even though we provide proof of deliveries from carriers. Why is this not the case for Discover?
Product: Student loan

I ask navient to prove that I took out the loans. It went to several collection agencies all could not provide me copies of the signed paper work. When this happened Navient went to a different debt collector. I reported this to the credit agency and they removed it from my records and said that Naviant failed to provide them with evidence. And navient just resubmitted these loans as unpayed and late to the credit agencies again. How can they do this.
Product: Debt collection

I get called everyday from this company 6-7 times per day before XXXX XXXX  and well after XXXX XXXX. The company calls, threatens, doesnt look into their process for validating/verifying debt. They provide no written or electronic information. 

They also keep renewing the debt. Debt was 10 years old not its magically 4 years old. This company is unscrupulously targeting people with predatory practices. My family lost out on our home because this piece of debt kept appearing reducing my score, they alone have so many negative marks my mortgage companies backed off. This company is costing us and we will be suing and joining every class action suit that happens against them between now and the end of time. We will sue for generations due to the damage they have caused due to ignorance, rule/law breaking, and unsavory business practices.
Product: Checking or savings account

XXXXMy Citi bank checking account and online access to my accounts and thus access to money that I own have been made inaccessible by Citi at least as far back as XX/XX/22. I have called Citi multiple times, and I have repeatedly jumped through all of their numerous verification hoops, and all they would tell me is that my account is " under review '' and that there may not be any further information information until XX/XX/22. Meanwhile, as far as I can see, Citi has stolen my money. I can not access funds I own, and the company Citi refuses to tell me what is going on. Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by TransUnion. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. in XXXX of 2012, a XXXX XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$4800.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Product: Mortgage

I refinanced my home in XXXX of 2018. At the time of closing, my homeowner 's insurance was paid to the insurer listed on my closing documents. This policy was paid in full at closing for the calendar year. In XXXX of 2018, my old insurer, XXXX XXXX XXXX sent a bill to Wells Fargo indicating that my insurance had lapsed and they needed payment. Well this was due to the fact that I changed insurance during my refinance. Wells Fargo decided to pay over {$3500.00} total to XXXX XXXX XXXX out of my escrow account. It should have been researched to determine that I already had insurance paid for at closing, but rather they just sent more funds out of my escrow account. Now Wells Fargo is telling me that I am not due a refund of these additional funds they paid out of my account. This is incorrect. My insurance was paid at closing and the error was made by Wells Fargo. They have now told me to try to go after XXXX myself to obtain a refund. Why would I do that when it was not my mistake that caused this? Why would XXXX XXXX have any reason to refund me when it was a policy that has been in place incorrectly due to Wells Fargo 's mistake. I am asking that this be resolved immediately by refunding the additional insurance funds that were taken out of my account incorrectly. If need be, I can have my lawyer pursue this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX by phone but it only gave me an option to leave a voicemail which I left 5 voicemails already asking to call me. No calls feom them for few days and finally after the fifth voicemail somebody called me and I ask them to place a security freeze on my file. The representetive stated that the request has to be submmited either by mail or fax and they can not proccess the security freeze over the phone. I already summited a security freeze request also by email, online by uploading the requested documents on their website and by fax. So far I only got one letter and they said because of the quality of the submitted documents ( which was my ID ) they need more info and better quality copyto be sent. Even though I submitted a original photo online and also by email, I sent them the docs one more time qith fax and since then I have not receive any respond or confirnation from them. I tried every single way they explained over the phone to place a security freeze but looks like nothing been working so far. Since they failed to place a securitybfreeze as they required by law if the consumer requests but they did not, I decided to use cfpb complaint system to submit my request. 
I am requesting XXXX  to place a security freeze to my file since I've been a victim of identity theft and recently some suspisious activity been going on under my name, I want to make sure all the sources or any report under my name to be freezed until the issue is resolved. 
Thank you XXXX XXXX
Product: Debt collection

This is a credit card debt that is from XX/XX/2014. The creditor is Barclays Bank. I was laid off in XX/XX/2014 and used my severance pay to hold me over until a new job but the severance ran out first and multiple of my creditors fell behind. Now Barclays refused to make arrangements with me and now I find out a law firm represents them levied my wife and I checking account putting it negative {$2300.00}. We live pay check to pay check and we live off 1 income. The lawyer is XXXX XXXX attorney # XXXX. I am willing to make arrangements minus fees and whatever this lawyer cost.
Product: Checking or savings account

Our Bank, PNC Bank,XXXX XXXX XXXX XXXX XXXX OH, has been waiting 15 to 20 days from the time our bills are paid, to the time they actually pay them. We found this out through the electric company, water, and cable services we pay on a monthly basis. This has been happening starting in XX/XX/XXXX, and going through XX/XX/XXXX. One such delay caused our water services to be disconnected. THEN they said we were {$160.00} dollars overdraft, and charged us an additional {$300.00} in fees!!!! 
The date the fees were imposed was XX/XX/XXXX. We have no written documentation yet on these fees - the were just taken out of a deposited check on this day. Something is VERY shady here.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.
Product: Money transfer, virtual currency, or money service

I attempted to purchase an RV. I wired money ( {$19000.00} ) to a JPMORGAN CHASE bank. The RV was not delivered. The bank said it can't help because I don't have an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 usc 1681n ( b ) Civil liability for knowing noncompliance, They have used my credit card and the inquiry is a receipt of the transaction that took place. I did not authorize this transaction 15 usc 1681a Exclusions.. 15 usc 1681a ( 4 ) infringed upon my right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I XXXX XXXX who is a natural born citizen and is aware of my rights under the FCRA. 
My rights were violated by XXXX XXXX XXXX. 

Account : XXXX XXXX XXXX amount {$1400.00} I am allowed under the HIPPA Act to protect my privacy and medical records from third parties. I did not give permission to XXXX XXXX of Georgia to release my medical records to XXXX XXXX XXXX who is a third party. 

15 U.S.C 1681 Section 602 A Section 1 States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section States that a consumer reporting agency can not furnish an account under my written instructions. 

Delete this account immediately, unless you want to be XXXX for this violation.
Product: Credit reporting, credit repair services, 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. 

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, 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 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 ) ( 1 ) 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.
Product: Credit card or prepaid card

I'm physically XXXX and on fixed income. I'm unable to get safe housing because Bank of America continues to report a closed account to XXXX and XXXX. My life involves inhaling second-hand XXXX 24/7. The only way I get sleep is by going to a park in my car. There I am harassed and legally threatened by police. I am trying to build equity and live a good life raising a family, but can not do so until bank of America stops reporting on this account.