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

I subscribed to a movie subscription XXXX on XX/XX/2019 and merchant document noted subscription immediate. As of XXXX, XXXX after repeated e-mails to the merchant I notified Chase to dispute the {$110.00} since my subscription was not activated. On this date, XXXX, XXXX Chase gave a temporary credit. 

I have paperless billing and did not get an e-mail or paper document in the US Mail about request for additional documents. Chase sent a Notice to my INBOX for request for additional information. Since a response was not sent on XX/XX/XXXX, Chase considered the disputed charge valid and recharged me the full {$110.00}. After multiple calls Chase gave a partial credit of {$100.00} as a " courtesy ''. As of today XXXX is 'Out Of Business '' and I am requesting a FULL refund. XXXX notified Chase that the subscription was 'Active ''. On XXXX I personally went into the branch to submit documents to dispute the charge ( per Chase Dispute dept. ) to XXXX XXXX ( XXXX ), Banker that committed to faxes the documents to Chase Dispute Dept. The document stated ( 1 ) e-mail to XXXX about cancelling the service since they subscription was not activated ( 2 )  XXXX e-mail notifying me that they blocked my service since I disputed the charge. Chase did not receive the document that their own employee agree to forward to their dispute Dept. Their supervisor XXXX XXXX in the Dispute Dept. stressed that I will not receive any credit and was aware that I would submit a dispute with CFPB. 

Please post for other consumers since Chase business practice needs to be reviewed. 
( 1 ) If you have Paperless billing, it is the Consumer 's responsibility to check documents on the Chase website for notification. 
( 2 ) Chargeback does not appear as a regular line item the day the charge was posted on your account. Consumer do not see it but on the original posting ( 3 ) Documents dropped off at the branch has no impact and Chase does not take responsible though the consumer follows their instruction ( 4 ) Chase transfers and keeps you on hold to assume the consumer will drop off the call out of sure frustration.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand an immediate investigation and removal of these inquiries.

The following inquiries listed on my credit report are unauthorized and were not initiated by me.

I have not applied for credit with these institutions, nor have I authorized these inquiries. Under 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information on my credit report. I expect these unauthorized inquiries to be removed from my report immediately.

Failure to comply with this request will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies for damages caused by these inaccuracies.

Please send me a written confirmation once these inquiries have been removed from my credit report. I expect a prompt resolution to this matter within the 30-day timeframe as mandated by the FCRA.

Thank you for your immediate attention to this serious matter.
Product: Mortgage

on or before XXXX XXXX I SUBMITTED A LOSS MITIGATION SHORT SALE APPLICATION TO SPS SERVICING, AND WAS TOLD THEY DIDNT GET THE FAX SO I RESUBMITTED ANOTHER SHORT SALE APPLICATION ON XX/XX/2021 AND SPS REPLIED AND SAID IT WOULD TAKE 30DAYS TO REVIEW, SO WHILE I WAITED I WAS INFORMED OF A SALE DATE OF XX/XX/XXXX, XXXX I CALLED ONLY TO FIND OUT THAT MY APPLICATION WAS NEVER REVIEWED FOR THE SHORT SALE AND SPS WAS MOVING FORWARD WITH THE SALE DATE OF XXXX SO I HAD TO KEEP CALLING EVERYDAY UNTIL GOT SOMEONE TO LISTEN TO ME AND THE SALE WAS POSTPONED TO XXXX XXXX, BECAUSE I HAD SUBMITTED THE APPLICATION BEFORE THE SALE DATE WAS POSTED, NOW I`M REQUESTING THROUGH MY ATTORNEY THAT SHORT SALE SHOULD BE RESTARTED SINCE ITS ALREADY BEEN SUBMITTED WITH XXXX OFFERS FROM MY BROKER, BUT ONCE AGAIN SPS IS STALLING THE PROCESS AND TRYING TO FORECLOSE ON MY HOUSE
Product: Money transfer, virtual currency, or money service

Due to cash apps lack of fraud protection my account has been compromised as well as my personal information on numerous occasions
Product: Checking or savings account

I mobile deposited a check from my niece, issued by her employer on XX/XX/XXXX it cleared prior to XX/XX/XXXX and deposited it into my Chase account XXXX  months ago. The check was in good standing, and I made sure to provide all the necessary verification, including my valid Social Security card, ID, and proof of my current address. Despite making at least XXXX trips doing where ever the misleading bankers requested us to do and giving them every document they asked for, XXXX is still refusing to release my funds. 

At one point, they told me the phone number associated with her name cant be prepaid like she has it must be post pay account needed to be in her my nieces name XXXX XXXX So, I went to a XXXX XXXX store and got a brand-new plan in her name. Even after doing that, Chase claimed the phone hadnt been in her name long enough and continued to deny me access to my money ( stating the acct has to be open at least a month or XXXX at the second month third month and forth month chase still cant verify her phone is her phone so thats the reason they are withholding my very much so needed money. The crazy part is the check has already been cashed and cleared, but then Chase abruptly closed my XXXX days after that happen in XXXX XXXX! XXXX saying I hadnt provided proper verificationeven though Ive done that multiple times. 

Ive brought in her ID, her Social Security card, my banking debit card, and even a bill from XXXX showing the phone is in her name, along with the contract, yet they still refuse to release my funds. Its been months since the check cleared, and Chase has held my money without any valid reason or explanation, despite everything Ive done to try and resolve this.
Product: Mortgage

We received notice that our mortgage servicing company ( CMC Funding / XXXX XXXX XXXX ) would be changing as of XX/XX/XXXX I called on XX/XX/XXXX to set up payments, was told that the loan was in process and we could not set up our account until the XXXX I called again on XX/XX/XXXX, and was told it was still in process. 
I called again today XX/XX/XXXX, and was told my information was incorrect and they were unable to speak to me. I then said that they by law had the obligation to provide me the details by the XXXX, and the person on the line asked me if I had an attorney, and then refused to speak to me or transfer me to a supervisor. 
I have contacted the owner of my mortgage ( XXXX XXXX ) to help resolve this, but I'm submitting this because I refuse to work with this fraudulent scam company ( CMC Funding / XXXX XXXX XXXX )
Product: Consumer Loan

In XX/XX/XXXX I received an auto loan from chase bank to purchase a car for my daughter. Up into the last few payments I turned the car over to my daughter and several payments were missed. Once I realized in XX/XX/XXXX I made the payment and allegedly {$.00} cents was left on the payment. Chase agreed that I did not have to send in the {$.00} and forward me the title to the car with the bank name removed as a lien holder. For the past 3 years I have been trying to get chase to correct my credit report showing that the loan was paid in full. As of XX/XX/XXXX due to the {$.00} I spoke with chase bank who admits someone error in the credit reporting and they will make the change. For three years with the negative reporting by the bank I would like the account deleted from all XXXX reporting agencies. The car has been paid off since XX/XX/XXXX numerous calls to Chase bank with no success to get them to correct there error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX  several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX XXXX XXXX ( XXXX  ) # XXXX  account number. I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Checking or savings account

United Community Bank, again. 
UCBI I am the Administrator of an Estate, and as such, have an Estate Account held at the subject bank. 
On XX/XX/2023, a statement was generated for this account showing a balance of {$42.00}. There were no additional notes, notations, indications of dormancy, no contact attempts known to me as account holder on this Statement of Account, and as well, no additional notifications or letters are known to have been sent to inform me of any intention to charge my account with any kind of fees, and therefore no NOTICE was given regarding intent to charge any fees of any kind. 
On XX/XX/2023, ( two days later ) a second statement was generated for this account showing a balance of XXXX, after a debit was charged on XX/XX/2023 labeled as DORMANT FEE for the entire balance of {$42.00}. 
The Deposit Account Terms and Conditions state : " DORMANT ACCOUNTS : If you have not made a withdrawal from, or a deposit to, your account for an extended period of time, your account may be classified by us as dormant. Subject to applicable law, we may charge a dormant account fee on the account, and the account will be presumed to be abandoned if we have been unable to contact you. In accordance with state law, funds in abandoned accounts will be remitted to the custody of the applicable state agency, and we will have no further liability to you for such funds. We reserve the right not to send statements on accounts we consider dormant, subject to applicable law. '' Furthermore, the Personal Miscellaneous Fees ( Fee Schedule ) for this account indicates {$5.00} per month may be charged for Dormant Accounts. A reasonable understanding of this policy would indicate after attempt to notify the account holder ( me ) and a notice given on actual statements, then a {$5.00} fee per month would be deducted until the account balance is either exhausted or the determination that the account has been abandoned, and at that point, funds would potentially be escheated to the State ( Georgia ). 
No such notice was given, no monthly fees were charged, and the account was fraudulently depleted and inappropriately and allegedly illegally seized by UCBI to enrich the bank. Personal reports to me from at least one other individual with inside knowledge of policy and procedure indicate this type of action has happened to other accounts. I believe due to the prior reports and relationship, this action was intentional and directed as a way to expedite closing my relationship with UCBI.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX will not correct their own errors and keep blaming the SSA Administration for their own wrongness. They are continuing to keep my 19 years from me and a letter dated XX/XX/22 appears to have been backdated says termination of my XXXX XXXX debit master card account suspending or cancelling that you have elected to do and under the law Article XIII, section 1b. Please send to the CFPB the law you are using under these terms since an employee female told me last night that this is coming from Social Security Administration and to go ask them. You should payout the new XXXX Claim filed as XXXX.
Product: Credit reporting

Experian 's policy states that " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first XXXX missed in the series. If the account was never brought current and charged off and placed for collection, the entire account will be deleted based on the date the account became late. '' I had a student loan which became late XXXX XXXX, XXXX. It has since been charged off. Given experian 's policies this account should have been removed from my credit report in XXXX. However, Experian refuses as of this time, XXXX XXXX, to follow the law and its own policies and will not remove this account.
Product: Vehicle loan or lease

Santander Consumer USA is the name of the financial institution. I bought a car from XXXX XXXX in XXXX, TN where I reside. It was a 2012 XXXX XXXX. They sold me the car for {$14000.00}. I paid {$2000.00} dollars down on the vehicle. Santander Consumer USA loaned me {$12000.00} at a 24 % interest rate. Theyre saying I still owe them almost {$7000.00}. Ive paid them {$300.00} for 46 months. If I was to pay them any moneys after what I believe to be the last two payments of {$300.00} it would be outside the fair market value of the car and further violative of both federal and state laws governing lending institutions. There principle place of business is located in XXXX XXXX, Texas XXXX, XXXX. XXXX XXXX. ( XXXX ) XXXX. That their lending having me to pay another {$7000.00} should be treated as usury interest.
Product: Checking or savings account

First off my name is XXXX and last year back in I believe XXXX or XXXX I think dont really remember but my problem that I have is the fact that they try to say that I was in violation of using XXXX when I dont even use XXXX never purchased it maybe a dollar when I first opened my account but what Im what Im trying to say is, I dont understand why they close my account or that reason I dont know anything about all. Im using it is for checking and savings account. I dont know anything about the bitcoin or thats too expensive for me to even purchase so Im asking can we resolve this in a different matter of me reopening my Cashapp Thank you, sincerely XXXX XXXX XXXX
Product: Student loan

I've attempted on multiple occasions to get customer service on the phone about when my SAVE Plan application will be approved and put into effect. 
Studentaid has already shown my application was reviewed and approved, but Nelnet just continued to sit on it while interest accrues. That's convenient for them
Product: Debt collection

I only owe XXXX XXXX. They sent my account to an attorney saying that I owe them XXXX. Strangely, They never have been on my credit report and I have been a victim of ID theft. I don't know what to do. I hired a debt settlement company out of Florida who has been trying to settle this for me, but this lawyer and XXXX are determined to take me for all I have and have turned down an offer two weeks ago as high as XXXX, even though I don't owe them that amount!!!!!. I am being abused here thousands of times over and thats also because my state of Georgia has such poor laws that protect us against collection abuse. At this point abuse isn't even the word for it. Its far worse, I believe I am being TARGETED. They also believe that there is money available that isn't!!! I don't deserve this. This debt is over 4 years old, which is past the Statue of limitations. Crown Management hired XXXX XXXX XXXXXXXX for XXXXXXXX XXXX to create multiple layers to protect XXXX against their original offer because they want to take me for THOUSANDS OF DOLLARS. THIS IS A GRAND SCAM and a GROUP OF CRIMINALS. This Attorney, XXXX XXXX XXXX, XXXX in XXXX GA of XXXX XXXX XXXXXXXX is part of the scam. Both XXXX and this Attorney need to be investigated. You should see the reviews on XXXX about XXXX XXXX XXXX, it is a nightmare. How many XXXX Citizens has this group of criminals taken? This is a scam ring. Also, I believe they broke into my account at the GA Department of Labor to try to find out where I work, thats how they decided they were going to go through and add on thousands of dollars to the original amount! I have filed a complaint against XXXXXXXX XXXX XXXXXXXX because they have my Social Security Number, and they are the only ones besides XXXX and Crown Management that would have a MOTIVE!!!
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed there was some things that was not correct. I sent a letter to Transunion on XXXX XXXX. Here is the information, but it has been more than 35 days since the credit bureau havent responded thats a violation of 15 U.S. Code1681i Under 15 U.S. Code 1681i -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligation under the Fair Credit Reprt Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, A leaving inaccurate or unverifiable accounts unresolved Yeah. The Consuner Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer provided evidence to furnishes accepting Want to come to my home? unreliable responses and failing to adequately notify consumers of disputes outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts as experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9600.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  Balance : {$9600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies which are Transunion, XXXX, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. Im sending in a new dispute as of XXXX and I have sent in previous documents asking them to provide all verifiable proof they verified this debt to be put on my credit.
Product: Credit reporting or other personal consumer reports

Experians automated phone system will not let me speak with a specialist. We are being denied access as consumers to connect with an agent over the phone
Product: Debt collection

I CALLED MY INSURANCE COMPANY, XXXX, AND THEY INFORMED ME THE DEBT WAS PAID AND I WAS NOT RESPONSIBLE FOR DEBT THE COLLECTION AGENCY IS CALLING ME FOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015, my son, XXXX XXXX XXXX, asked me to co-sign his lease with XXXX XXXX XXXX, which I did. After this 12 month lease EXPIRED, my son signed a NEW LEASE. He did not ask me to co-sign on this NEW, 12 month lease. As a result of situations which I am not aware of, my son, XXXX XXXX XXXX, moved out and early terminated his lease with this company. If he does owe money for moving out before his 12 month lease was concluded, then that financial obligation is not mine. Now, it appears XXXX XXXX, purchased this/his debt, I did not CO-SIGN as responsible for the debt my son incurred with his 2nd lease with XXXX XXXX. I feel XXXX  and TRANSUNION did not OBTAIN certified or LEGAL documents from XXXX proving I CO-SIGNED for this debt, and continually inform ME, without proper documentation and a competent thorough investigation that the debt is valid. I do not owe XXXX $ XXXX XXXX XXXX XXXX