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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX I purchased an XXXX vacation from XXXX ( and XXXX XXXX leaving Monday XX/XX/XXXX and returning Friday XX/XX/XXXX. 

XXXX 's portion for 3 nights ( XX/XX/XXXX and XX/XX/XXXX was {$510.00} ). 

XXXX XXXX charged me {$400.00}, {$400.00}, {$20000.00} and {$200.00} for the flight and taxes for 2 tickets. 

XXXX XXXX flight XXXX was supposed to leave at XXXX Monday XX/XX/XXXX and was cancelled. The flight was rescheduled for Tuesday XX/XX/XXXX at XXXX. 

XXXX XXXX refunded both {$200.00} charges and refunded the taxes of {$51.00} from each of the {$400.00} tickets. I disputed the remaining {$350.00} x 2 = {$700.00}. 

I also disputed the XXXX hotel charge for {$510.00}. 

My sister had booked and paid for 3 days of tours. Tuesday XX/XX/XXXX was to leave at XXXX, Wednesday at XXXX and Thursday at XXXX XXXX. We would not have arrived in time for the Tuesday and Wednesday tours ( 2 of our 3 days of tours ) so we cancelled the trip because of the airline cancellation. 

We were not able to stay longer and the airline and hotel would have charged us more for adding days. I paid for 3 1/2 days of hotel and time in XXXX and was only going to receive 2 days and only 1 of 3 tours that could not be rebooked or refunded. 

I would like a refund for the services I paid for and did not receive. 

I did file a dispute with Citi Bank master card but received e-messages that the disputes were closed because I received a partial refund from XXXX XXXX. I was able to send additional information for the airline cancellation but CITI wanted confirmation from the airline that they would agree to refund all the money. The airline would only refund part of the charge. CITI closed the dispute. I believe my dispute falls under the fair credit act. I did not receive what I paid for. I paid for 3 nights hotel and my sister paid for 3 days of tours. We would have only received 2 nights hotel and 1 day of tours. 

CITI reversed both credits ( XXXX and XXXX XXXX ). I would like the {$510.00} XXXX and remaining {$700.00} charge from XXXX XXXX removed from my CITI card for services paid for but not received and beyond my control. 

I provided the proof from XXXX XXXX that the flight was cancelled and rescheduled more than 24 hrs later. I specifically used a credit card because of the added protection from goods and services not provided. 

I am attaching CITI Bank letters, my responses, XXXX total charge as well as XXXX XXXX email cancellation notice sent to my email. XXXX got rid of the breakdown charges in my account and all I have is the total. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX. I am contacting you all concerning the Bluebird card by American Express. They suspended/ closed my card due to some member agreement being violated. They done this exact thing to be about 8 months ago with a sub account I had on my account saying the member agreement was violated. They have still yet to give me the money out of the account. Well I let that go because it was just {$20.00}. Now today XXXX they suspended my main account for the exact same reason and saying they can't do anything about it. Unlike the other account this one has over {$500.00} in it plus my spouse and my checks go to it weekly. We literally have no way to pay our bills now because they done this. I seen where many different people said they done the exact same thing to them. I just want my money and they can leave it closed I do not care. But that's alot of money they are taking for no reason. PLEASE XXXX I AM BEGGING YOU TO HELP ME.
Product: Credit card or prepaid card

Bank of America owes me {$160.00}. 

I had a credit balance of {$160.00} on my credit card. 
On XX/XX/XXXX I requested a check. 
Check never arrived. 
On XX/XX/XXXX I requested the credit be put back on the card. 
Credit was never put back on the card. 
On XX/XX/XXXX I again requested the credit be put back on the card. 
Same run-around. No credit on card. 
I'm fed up.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that a XXXX  XXXX XXXX credit card account was fraudulently opened in my name without my knowledge or consent. I have never used phones, laptops, or any form of technology to manage financial matters, which is why I was completely unaware of this account for a significant period. 

I only recently discovered this fraudulent XXXX  XXXX XXXX credit card account on my credit report when it became delinquent. I want to make it absolutely clear that I never authorized this account, and its existence is a severe breach of my personal and financial security. 

I demand the immediate removal of this fraudulent account from my credit report and the correction of any associated negative marks. This situation has caused significant stress and damage to my reputation, and I expect prompt action to rectify this issue.
Product: Student loan

XXXX XXXX University extended my pervious student loan without my permission/approval. I am no longer a student at XXXX XXXX University. I attended XXXX University, however XXXX University can not obtain my student loan funding, due to the fraudulent actions of XXXX XXXX university. Nelnet is my student loan facilitator. I contacted Nelnet, however they would not rectify the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion to verify a debt from   XXXX   XXXX   XXXX    who has already informed me that they do n't have a signed contract to authenticate this debt but it keeps coming back as verfied after numerous attempts to have account verified. I am constantly told that they have done what is required of their company. Even after explaining to them that I have spoken with the original creditor and informing them that they did not have any supporting documentation. Had to do a phone verification with   XXXX   to have this information removed but they removed it. I requested to have this information verified by signed copy of a contract. They have been verifying by name, DOB, SS #, and address. Which is all correct but where is the contract showing I agreed to the term of the agreement that they sent without a signature acknowledging I agree to terms. If Transunion has n't been given a copy of a signed agreement or contract between myself and the  XXXX   XXXX  Bank reporting agency how can this account be authenticated? I have asked on numerous accounts to have this authenticated by more the just my DOB, SS #, Address, Telephone number. I have asked specifically to have an original or copy of a signed contract or agreement be requested. I have been told by the senior level employee that they are not required to get this info and that they have met their requirement to validate. Even though I am telling them more info is needed and that I am disputing the legality of this account.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter from Synchrony Bank that they have closed my Ashley Furniture credit card. I was devastated. I called Synchrony Bank 's customer service and was told the account is closed and that I should take this up with the credit bureaus. The credit bureaus did not close out my account - Synchrony Bank did. 

A week later, I receive an email from XXXX XXXX stating that Synchrony Bank closed out my QVC credit card. Again, my credit score took a hit. I am completely appalled that this bank can do this to people. 

I have never been late on a payment, I have made large purchases on these credit cards and was diligent in paying off my balances and yet Synchrony Bank closed out Ashley Furniture and QVC and hurt my credit score tremendously and I did nothing but be a good consumer and pay my bills. 

Their letter even stating my account was closed due to " lack of real estate ''. I have had a mortgage in my name since XXXX. This bank has ruined me.
Product: Debt collection

In 2019 due to a natural disaster of XXXX XXXX we were in state of XXXX in XXXX XXXX I lost my jobs. There were no jobs in the area due to the destruction. I managed to pay my rent without having nothing to eat. I spoke to the XXXX and with her approval I left only XXXX month before the termination of my lease. 

It seems this company called IQ Data International purchase a debt from XXXX XXXX XXXX and put lots of money on top and sent it to Collections. It is my only Collection. I am very responsible and always pay my bills. 

I explained to them that this was in a state of emergency and a natural disaster and this has been in my credit for more than 4 years now. They refused to delete it and are asking me for XXXX that I don't owe. My lease was paid and they kept my deposit. That is equivalent to only XXXX  month. 

This is unfair and when I called them they treated me very rude and disrespectful, in an abusive way asking me in a loud and angry words, talking over me that I have to pay what I don't owe including all the money they put on top of it as so called " Interest '' I want this item to be deleted from my credit reports. It is not correct. It is not accurate and the only purpose of IQ Data International is to make money with people that lost their jobs due to a natural disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. I understand the Covid-19 going and its tough right now. section 611 ( a ) its is plainly stated that a failure to investigate these items within 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

My message to them after they denied my victim claim. It explaind again to anothet fraud office there what happened. -- -- I received your message today that you intend to close the new checking account because of the horrendous fraud committed on the old account 3 days ago. I was a victim of this performed by a national crime ring. I called the XXXX XXXX XXXX XXXX XXXX XXXX that is on the stolen checks that were deposited into my account. The company representative said they get roughly 30 calls per day on this scam. She said one lady was scammed out of {$30000.00}. 
These people are obviously professionals. My part was applying for a loan online and followed instructions to get what I needed. I played no part in the fraud on purpose. If you look at those check deposits you will see the signatures are not mine. They were stolen, pictures taken, deposited online and Chase honored them. I did nothing wrong to warrant being held responsible for this fraud. I paid out 2 bills in the morning before you restricted the XXXX account. I did try to stop the XXXX payment of {$120.00}, but she refunded it instead of canceling it. That should be coming back into my account and I need that back to pay my phone bill as I am unemployed and have been for 9 months! Also coming in to that account on XX/XX/23, is my Social Security check that covers my rent and car payment. Please allow the XXXX account to remain open to receive that check and I will come in a get it that morning, and then you can close that account. I called SSA yesterday, but she said they need at least 2 weeks notice for the system to make a change in a direct deposit completion. If you close that account it will be kicked back, and my rent and car payment will be seriously delinquent. I can not afford that. Please work with me on this. I didn't commit this fraud, I am an XXXX XXXX, and I need Chase 's help with this. 
Thank you. 
XX/XX/23 They have informed me tat they are closing both accounts and will take my SS check on XX/XX/XXXX. This is wrong! These scammers are pros and I am NOT a professional victim. The rep said to today that is I don't pay it back they will press charges eventually. I am a XXXX, and have NO marks on my records at all. I do not deserve this.
Product: Debt collection

Security finance in XXXX, TX keeps coming to my place of employment, demands a payment right then and there. I can not pay so they tell me to make a promise of payment, I tell them I do n't want to promise what I ca n't deliver, the lady XXXX then gets louder and causes a scene in my office in front of co-workers and my General Manager. My GM has asked her XXXX now to stop coming up here and causing a scene, the XXXX time he asked I was out if the office and she told him she was here to collect a debt on an unsecured loan and gave him the notice to put on my desK on Friday XXXX XXXX. Today they show back up I inform her that I will lose my job if she throws a fit and causes a scene in front of customers and employees she said I signed a contract that states they can come to my job and ask for a payment whenever I 'm late. I told her that they have been informed by me and my GM not to show up again to collect a debt she was about to leave and threatened to take my to court, by stating " That 's fine XXXX we know you make promises and never keep them so we will get our money XXXX way I 'll just see you in court ''. That happened inside so that several coworkers and employees heard her. I told her she was violating the FDCPA regulations and she told she could cause I signed a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. Remove ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE LATE PAYMENT ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit card or prepaid card

Steps I took : 1. Apply for Incentivized ( 0 % Interest for 18 months on a Balance Transfer ) Credit Card 2. Request $ XXXX Balance Transfer from existing, non-Wells Fargo Credit Card Steps Wells Fargo took : 1. Approved my application 2.  Transferred XXXX to Incentivized Credit Card ( Plus Transfer Fee ). **The new Credit Card has a max credit line of XXXX 3.  Transferred XXXX to existing WF Credit Card ( Plus Transfer Fee ) without my acknowledgement, request. 
4. Did not notify me of any decision that relates to # 2 or # 3 More steps I took after seeing a new balance on my old card : 1.  XX/XX/XXXX : I called Wells Fargo Customer Service ( Spoke with XXXX ) XX/XX/XXXX : Spoke with Wells Fargo Credit Card Executive Office ( XXXX assigned as Case Manager ). 
I requested the balance incorrectly transferred to my existing card ( XXXX ) be moved to my new card. 
XXXX refused this request, but stated they would instead waive the Balance Transfer Fee. 
I explained that this was not what I wanted. I restated my request to have the Incorrectly Transferred Balance moved to my new Credit Card and have the existing Credit Card Cancelled. 
XXXX again refused to rectify the Incorrectly Transferred Balance and instead processed a Lost/Stolen Card Request on the Credit Card I asked to have Cancelled. 
XXXX assured me of a 4-5 business day resolution/callback to this issue XX/XX/XXXX ( Today ) : Being assured a 4-5 business day resolution/callback and not receiving one ( now 10th business  days ), I contacted the Credit Card Executive Office and spoke with XXXX XXXX ( sp? ). XXXX mentioned that XXXX was out of the office today ( XX/XX/XXXX ), but provided me with notes and no suitable resolution to my case. Basically the same story XXXX provided 10 days prior ...
Product: Credit card or prepaid card

My sister, XXXX XXXX has opened credit card accounts using my name and social security number. This has been occurring since XXXX. I just noticed these accounts on XX/XX/XXXX. I am currently trying to close and report the fraudulent accounts. They are credit cards through Citibank, CBNA. One Citicard account was opened XX/XX/XXXX and one was opened XX/XX/XXXX. Another account I would like to report is a XXXX credit card from XXXX bank which was opened XX/XX/XXXX. None of these accounts were opened by myself, as I only have one XXXX credit card account and one XXXX XXXX debit card and saving 's account. 
Current balances on the fraudulent accounts are as follows : Citibank XX/XX/XXXX : {$2400.00} Citibank XX/XX/XXXX : {$1200.00} XXXX XX/XX/XXXX : {$400.00}
Product: Student loan

I have been trying to contact Mohela, my student loan servicer, for months!!! they do not answer the phone. they give no indication of how long you will be waiting on hold. they dont give you an option to receive a phone call. They are denying my submissions for PSLF certification and I can not speak to anyone. this whole process has been horrible. I have attempted to contact the federal student aide department and all they say is they are too overwhelmed to take any calls. so who protects us? all the govt agency are turning us away. are we supposed to just default on our student loans?? there is no help for any of us.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX and the creditors Extra Covantage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX And after speaking with them about the fraudulent accounts I was told XXXX - XXXX  days and after XXXX disputes they were still on my credit report and nothing has been take XXXX off I was told dilute it with credit bureaus and also a dismissal XXXX  XXXX was falsely filed and I showed it to XXXX XXXX and they still wouldnt remove it or the others
Product: Mortgage

They offer me Load that were crazy First Loan offer would be paid off when I was XXXX Second loan offered was 20 years then a ballon payoff of {$75000.00} when i was XXXX Plus in 2014 Ocwen agree on a settlement of XXXX XXXX that the company to pay penalties as well as undislosed financial relief to borrowers which i never seen a XXXX of
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

There are multiple mistakes between the 3 credit bureau reports. 

Last payment dates are wrong Closed account dates are wrong The Collection Agency name is wrong XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

National Credit Adjust {$590.00} XX/XX/2023 ( requested debt validation and removal ) See attached
Product: Credit card

On XXXX  XX/XX/XXXX an email was received from Chime that an account was opened for a Chime Visa Debit card. I did not apply for a debit card and I wrote back to the company explaining that someone had opened an account using my email address. 
Chime is NOT using email verification before allowing an email address to be added to an account. This is fraud and violates GDPR. 
I tried to get them to remove my email from their system but they will not since I am not a customer of theirs. 
Meanwhile, I am receiving all the email notifications that the card was mailed and they provided me with the default pin number, and XXXX  ( XX/XX/XXXX ) the email was to activate the card. I am unable to unsubscribe from these messages since they believe that I am the customer. 
The person who opened the account is a XXXX XXXX who lives in XXXX. 
Please assist me in getting them to remove my email address from the account and to utilize email verification BEFORE allowing an email to be added to their systems. 
Thank You Please Note that the billing address in the following section is the one that I believe the card was sent to. It is not associated with me at all.
Product: Money transfer, virtual currency, or money service

In 2017, after my Grandfather died, a car he had financed through Wells Fargo. I am the executor of his estate. The car was repossessed without incident and after they sold it, we got a letter stating that the car had been sold for more than owed, and we were receiving a check for XXXX dollars. It never came. 
Some years later, we got a letter about unclaimed property. I followed up with this by going in to a Wells Fargo branch and spending 3 hours there. I brought all my necessary Estate/Trust paperwork, and an Affidavit was written, signed by me, and notarized by a Wells Fargo employee . It was then sent to the Unclaimed Property Department from the Wells Fargo branch. I then heard nothing back for another year. 
I recently contacted them to follow up and after MANY attempts, got a secure message asking for me to send them paperwork to prove myself. I send a copy of the death certificate and a copy of the very Affadavit that Wells Fargo themselves made up and had. A few days later, I received ANOTHER email asking me to submit info and an affidavit. 
It has been years and I am no closer to getting the check made out to my deceased Grandfather so I can disperse it to the estate.
Product: Checking or savings account

I received a letter, an email, and a text message from Chase Bank on Saturday and Monday ( XX/XX/XXXX ), stating that they will close my checking and credit card accounts on XX/XX/XXXX. 
The email mentioned their requirement to know their customer, which in this case hasn't occurred, as they had no communication with me prior to making this decision. 
Furthermore, when I called for more information, they blatantly rebuffed me, and refused to provide any information. They only added that in the agreement when opening the account, it states that they are allowed to do as they did ( which they should not ). 
So I consulted the documents with the agreements I received when opening the account, and there is no mention of anything the kind. 
In short, my account is being closed abruptly, and arbitrarily, and the corporation 's manner is entirely unprofessional. 
They must be held responsible for their actions.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX WF CRD SVC XXXX Why is this account being reported with XXXX? different dates of last activity? Delete account for inaccurate reporting. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Please reply within XXXX  days or delete the negative items, as originally requested. 
Once you have finished my request, please send me an updated credit report reflecting my request.