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

On or about XX/XX/2023 Chase Bank debited my checking account for {$55.00} for a safety deposit box that I was provided FREE of charge due to being a XXXX I was NEVER properly NOTICED of the charge BEFOREHAND which would allow me the opportunity to question the charge and/or to terminate the safety deposit box. I called Chase several times to inquire why I was charged for the FREE box but could not get any answers or resolution despite 10+ calls over a a week. I was discriminatorily coerced/forced into leaving my home and into going to the Chase Bank office . I met with the bank manager and shared m concerns, again to no avail. She indicated that she couldnt remedy the issue locally and that I had to contact customer service. I advised her that I had attempted to do so 10+ times without any success. I asked her to provide a phone to contact customer service. I called and spoke with someone and explained the situation. They indicate that the issue had to resolved LOCALLY and not with customer service : I explained that was told contradictory information from the bank manager and asked that they communicate and resolve the UNLAWFUL theft/taking of my funds on deposit with the bank. Nothing was resolved. I contacted customer service again and spoke with someone in the back office who was going to look into the matter. I was told that the bank does not or can not issue refunds for safety deposit boxes due to bank policy. I advised them that ANY policy is subject to the Americans With Disabilities Act as I am XXXX and as such never received PROPER LAWFUL NOTICE OF ANY SUCH POTENTIAL CHARGE. In fact I never received ANY NOTICE. I received conflicting information from the bank manager and customer service staff. I was told that the bank noticed customers in the bank statement correspondence and contradictorily that the bank sent out a separate notice. If the bank cant get thie story straight how can the customer be expected to RECEIVE THE NOTICE? 

The back office period indicated that she would reach back out to me within, no LATER THAN 5 days. That NEVER HAPPENED. 

Chase bank unlawfully stole {$55.00} from my account for a safe deposit box that was issued to me FREE of charge an FAILED TO NOTICE me BEFORE attaching to my personal private property ; funds held in deposit in my personal checking account. This has exponentially caused me to incur other fees as a result of th3 unlawful theft of my {$55.00}. I exist on XXXX income alone. My expenses already exceed my income and this caused me to incite late fees and other expenses involved with borrowing money to avoid LATE FEES AND NSF FEES. 

I Spoke with the back office staff on XX/XX/2023. XXXX with Chase Executive office. She has never called me back.
Product: Checking or savings account

We received a text from XXXX XXXX asking for a door installation service. We agree to make business, he send us a check from this XXXX XXXX and send more amount, as the difference was supposed to be delivered to the supplier. We send XXXX the supplier vis XXXX  and XXXX XXXX  but then the check was returned because it was found altered. We communicate to this person what happened and now he is trying with the supplier to return the money. I told him this is fraud and now he ask to not report as the other person will return funds. Furthermore, we receive another similar business request but without sending funds. This person paid with a check from a company, saying he works for the company. He also wants part of the funds for some carpinter that will be working in the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two car loans that I paid off early by making large payments every few month in addition to the monthly payments. On my Experian credit report, there are several late payments reported ... which are incorrect. I reached out to Experian to get them to remove these errors off of my credit report and I have yet to hear from them. To be exact, I sent Experian a dispute letter via certified mail on XX/XX/XXXX with excerpts of my credit report showing the errors. I also included a copy of my driver 's license, social security card, and a utility bill to identify myself. I have a return receipt stating that they received my dispute letter on XX/XX/XXXX. It is now XX/XX/XXXX and I still haven't received any letter letting me know why they have not removed these items from my report. So, I checked my report on XX/XX/XXXX and saw that these late payments are still there. So, I sent them another certified letter the same day. By law, they have 30 days to do their investigation and get back to me with the outcome in writing. They're supposed to send me an actual letter ... just as I sent them one. If they don't get back to me, those items are supposed to be automatically removed from my report. This erroneous information on my credit report is hurting my credit rating. I am not able to purchase a home, get credit cards and loans for my business all because Experian refuses to remove these late payment items from my credit report. I worked hard to pay off two cars early ... and Experian is making it appear as if I'm irresponsible by reporting these erroneous late payments ... and hurting my credit rating. 

Experian has done many things in the recent past to hurt my credit rating, like decreasing my credit score 20 points for asking to remove wrong addresses and employer off of my credit report. They also decreased my credit score by 20 points for using {$130.00} of my {$5600.00} available line of credit. I complained to CFPB about that and they increased my score by the 20 points they took away. They've also kept credit inquiries past the 2 year reporting limit which kept my score low. They've decreased my score despite the fact that there was no activity on my accounts. Just this month ( XXXX ), I paid off that {$130.00} I mentioned earlier and they decreased my score by XXXX points!!!! That was the only movement on my credit and they decreased my score by 19 points!!! What kind of racket are they running. My score should be well into the 740/750 by now but my score is at a XXXX ... because they continue to decrease my score for things like me paying off a credit card in full and asking the removal of the wrong address. Something needs to be done about these illegal, unfair and unjust credit reporting practices. I am doing everything right and Experian is punishing me for it so that I can be prayed upon by the subprime lending market that charges exorbitant fees for credit cards and loans. Most importantly, it's keeping me from purchasing a home for my family with a descent interest rate and get a credit card or loan for my business.
Product: Credit reporting or other personal consumer reports

I discovered errors on my credit report related to 15 USC 16c-2. The inquiries shown were not approved by me, and this false information is harming my credit score. Please eliminate all unauthorized hard inquiries. Thank you!
Product: Mortgage

Us Bank online bill pay - on two occasions overcharged in late fees double up the late fees. on two other occasion the late fees were applied to mortgage even when in the payment process there were assigned to late fees due. Currently there was 2 funds held in suspense which we set to be paid to late fees. They applied the funds to principle, and I have contacted Us Bank 5 times. Recorded the conversation on 2 occasions to resolved the matter. I was told the last time that this was corrected, and funds were reversed and applied to proper fees due. XX/XX/XXXX XXXX. When I checked on Monday XX/XX/XXXX the online systems still shows in correct, still show the 2 late fees due. The transaction summary shows they reverse my last payment. An not the missapplied funds for the late fees for {$100.00}. I have spent 10hours and 5 contacts to resolve this matter.
Product: Credit card or prepaid card

I tried to link my XXXX credit cards using a third-party financial app ( XXXX ) and was told that XXXX wo n't allow this. It is my right to use my financial data how I see fit. Especially when credit card companies and everyone else are giving my data to security sinkholes like XXXX who then get hacked. I do n't want or need my financial data to go to XXXX but I have no say in that, either. At least I should be able to monitor my accounts in a way I feel is best. XXXX should not be able to block this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems has a inquire on my report that's not mind. Made by a company named XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. I made a complaint with consumer finance in the past. I was a victim of fraud, this inquire was not made by me. I never opened up a account with them, I would like this off my record.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), due to my status as a victim of a data breach and identity theft. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is a Follow-up my previous complaint # XXXX.
Despite my multiple requests, JPM has failed to provide answers to the following questions regarding a refinanced loan they processed in 2011 which caused my loan amount to drastically increase and double its term from 15 year to 30 years.
Please provide answers ONLY to the following questions and avoid sending a multiple page unnecessary detail which does not address the questions below : ( 1 ) What made JPM determine that the new loan should be a HARP. Please provide detailed information and or supporting documents as applicable.
( 2 ) What is the process JPM goes thru to notify client that a certain loan type will be issued as opposed to another - Please provide specific examples as well as applicable documentation.
( 3 ) What was the specific criteria that JPM used to determined the interest rate granted on my loan issued in 2011. - Please provide supporting documentation.
( 4 ) Why did JPM leave the original loan lien open as well as the new one.
Product: Debt collection

I had several years ago auto loan in one bank with amount of XXXX . I got sick and stayed without job. They have given debt loan to other bank- XXXX XXXX Utah . I did n't understand that transition and did n't know I need to pay that other bank because I did n't have open account in that bank. That other bank did n't even want to talk with me when I tried to solve problem. They have just said They give me on collection to the collection agency '' Knight Adjustment Bureau '' Utah. They rejected my offer and charged me with extreme rate.
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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has closed my account 2 years ago now I see that it has reappeared as open and they are reporting the incorrect amount and payment history
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I made a transaction with my cash app on XXXX for {$320.00}. I never ended up receiving the goods in which I purchased. I filed a dispute on th XXXX. And they granted me partial payment on XX/XX/XXXX. Of {$81.00} cause the {$320.00} was split up into XXXX payments. I have called them at least once a week. Cause they said it could could up 45 days for.the dispute to be resolved. But it's been 6 months and the keep telling the same thing. That managers only email and that it is still being under review.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires below are not recognized on my credit report. 

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

Dear XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 ACCOUNTS ARE ( NOT ) MY ACCOUNTS NONE OF THESE ARE MY ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX UNIT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your companythat I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless Ihave authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for meto acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as toforward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, Thank you for your time,
Product: Credit card or prepaid card

On XX/XX/2021 I attempted ( at least 10 times, to make a XXXX XXXX purchase on the XXXX XXXX site of {$320.00}. I had to use another credit card to make the purchase! I called the number on the card to find out what the problem was. The representative could not help me and I spoke to a supervisor, and that person could not explain it. I told her then to send me another card that I could use. I have not been able to use this card since the previous annual fee yea,. Why would I again be billed for another annual fee for a card that was not useable? I missed out on the purchase miles ( the reason I have the card ) and now SNYCB wants to charge another annual fee.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to you with an urgent issue that has, until now, remained unresolved and is causing me unnecessary stress and strain. 

On an initial note, reaffirming the content of a prior communication I received from your establishment, it was clearly stated that the loans erroneously tied to my name would no longer be my responsibility. However, the current circumstances and the lack of action on your part is not just baffling but highly unacceptable. Going through my latest credit report, it is distressingly apparent that Affirm has failed to make good on its promise, as these loans are still marked against my credit. 

This, I must say, is a direct contradiction to the assertion made in your email that explicitly absolved me of the burdens tied to these loans. Breaching trust in such a crude manner is truly perplexing, especially coming from a corporation that prides itself on maintaining transparent customer relations. Not only has your lack of action resulted in a festering dilemma for me, but it also imposes a stain on your reputation. 

Moreover, I have telephonically contacted your customer service department more than once. Each time I reiterated my unfortunate position as a victim of identity theft. Yet, it seems like my pleas are either ignored or blatantly brushed under the rug. This lackluster handling of my identity theft issue is a grave disappointment and speaks volumes about your level of commitment towards customer security. 

This situation is not only unethical but also incredibly damaging. Your inaction demonstrates a complete disregard towards the credibility of your own communication and leaves a lot to be desired regarding your customer services, especially because my issue involves identity theft, a crime that in itself warrants immediate and thorough response. Despite being caught in the throes of this distressing and challenging situation, I find myself questioning the credibility of Affirm, which instead of solving problems, is adding to them. 

Without trying to be litigious at this juncture, I would like to emphasize that unless the wrongful loans are properly removed from my credit report forthwith, I am afraid I will have to resort to legal avenues to protect myself. Please consider this as a forewarning. 

I thereby demand your prompt attention in this matter. Concurrently, I hope that my trail of angst and consternation would serve as an eye-opener for you, so as to remedy the situation, understanding the depth of the issue and, moving forward, taking concrete steps to alleviate my distress as well as prevent any such unfortunate incidents from recurring in the future. 

Thank you for your attention to this matter. Expecting your immediate assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been trying to use the mobile check deposit with chime since XX/XX/XXXX and once you take the photo of check hit submit it continues to give error " we can not read numbers on bottom of check '' yet before you accept the photo it says " if you can not read this, then we can not read this '', sent email to chime support XX/XX/XXXX XXXX response XX/XX/XXXX XXXX a nut shell i as told to uninstall/reinstall app which i did take more photos dark background with more light which i did if still did not work screen shot error and reply back which i did. 
XX/XX/XXXX XXXX no response to reply-sent another email no response-sent another email XXXX. 
called XXXX XX/XX/XXXX asked for supervisor XXXX XXXX was told to take more photos because of shadows would stat on line to see but call dropped. 
XXXX called back XXXX XXXX who told me creases on check along with shadows-take more pics. also told me to iron the check! then call dropped. I then got idea to get personal check from old bank acct that is closed, I took pic of the front of check only hit submit and it sent!!! now it was a blank check but it fit in the photo box perfect. that check measured 6 '' and real check is 8 1/2 '' long! 
called back s/w XXXX and was told check is pending review to which i explained that is blank check and the app took that but not the real one ... ... he started laughing because he couldn't believe it along with he couldn't believe how many pics of this check there was and said he couldn't understand why it would not send because what he was looking at all looked clear! he even called off all the numbers of this check and of course call dropped. i live in the country service is wonderful. 
called again this time got XXXX at XXXX who was just a smart XXXX ( sorry ) told me same old take new pics-I explained the above and he said well sorry nothing we can do you will have to take check elsewhere. I asked to speak with someone higher he said there is no one above him!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled XXXX XXXXl Subject has not XXXX XXXX., Collection/Chargeoff, Collection } XXXX -XXXX XXXX  XXXX 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: Credit reporting or other personal consumer reports

Experian has a phone loop AND a website loop that you can not get out of when the credit information that they have on you is incorrect. There is no way to contact actual intelligence ( a Human ) when you have a problem that their computer cant solve for you. I know my own SS # and Date of Birth, but according to Experian, that information is incorrect. I just need to reset my account and password.
Product: Debt collection

I have called on numerous occasions to tell them that they are calling a wrong number. I do not owe any money and I do not know the people they are calling about. They say the will take my number off the list and will not call again. Then all day everyday starting at XXXX they call over and over. 
Say to call XXXX XXXX at XXXX