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

I have had a checking and savings account with JP Morgan Chase Bank since XXXX. 

My credit scores are all over XXXX. 

On XX/XX/XXXX I noticed on the Chase App red letters stating that my Chase credit card account had been closed. I called the number on the back of the card to find out why. I spoke to a representative who told me that it had just been closed and it was a decision from the back office. They could not see in there system the reason for the account closure. They told me that Chase would notify me in writing within 7-10 business days. To date, I have not received any communication for the reason the account was closed. 

On XX/XX/XXXX, I tried to pay something from my checking account from my Chase App and received a message stating that in order to pay a bill, I needed an active checking account. I called Chase and was told that my checking and savings account had been closed. They could not see in there system the reason for the account closure. They told me that Chase would notify me in writing within 7-10 business days. To date, I have not received any communication for the reason the account was closed. 

I went to the Chase branch in XXXX and spoke to the branch manager. I beleive her name is XXXX. She called Chase to figure out what was going on and was told the same thing by the representative that I was. They could not see in there system the reason for the account closure. They told me that Chase would notify me in writing within 7-10 business days. To date, I have not received any communication for the reason the account was closed. 

XXXX asked the representative if she could pay me out my balances for both accounts. The rep told her that she could pay me out my checking account, but not my savings account. That it would take XXXX business days to close out the saving account and that they would overnight the check and I would have it by Wednesday, XX/XX/XXXX. 

I was paid out the balance of my checking account. On XX/XX/XXXX I checked the Chase App and my checking account was still open. I called XXXX and told her. She called Chase and was told that she could close out my account and get a cashier check. I went to the bank on XX/XX/XXXX and went to get the check. 

I was not given any notice that my accounts had been closed and was left with no funds or credit. I had mailed my maintenance check before all this and it bounced. I was charged a {$35.00} fee by my maintenance company. I also had bills charged directly to my credit card and they were also rejected. 

To date I have not received the letter of explanation as to why my accounts and credit card were closed. I have been a loyal customer for over 24 years and did not deserve to be treated this way and left stranded with no funds. Also XXXX and I were both provided incorrect information by the Chase representatives. 

I am also upset regarding the overall process. How could Chase just cut off access to all of my credit and funds without calling any notifying me. Then when I call I am told I will be notified within 7-10 business days in writing. It is over a month and I still have not received an explanation.
Product: Credit card or prepaid card

My complaint is with Citibank , N.A . for not reimbursing me my credit card reward points as part of a 3rd party seller refund. 

In late XXXX ( this year ), I made a purchase - through XXXX - from a 3rd party seller that's based in XXXX. The purchase was made using my reward points from credit cards accts. ending XXXX and XXXX. To make the purchase I folded all the points into card ending XXXX - and closed XXXX. ( Kindly see below for explanation on why I folded in the points. ) The problem I'm having now with Citi : There was an issue with the product and the seller issued me a refund i/a/o {$620.00} in XX/XX/XXXX. However, when I look at what Citi put back on my points for card ending XXXX, it's only about $ XXXX. A Citi rep tells me this is because very little points were returned to the XXXX card by Citi, for the reason that the points had expired. I'm fine with cut-off dates by which a customer has to use certain points. But when a customer has made a purchase and a seller issues a refund and Citi doesn't want to honor that refund, that's now a catch-22 for a customer since refunds go back to the purchasing card. It can't be right for a seller to send Citi {$620.00} as a refund to a customer for Citi to turn around and only pass on $ XXXX to that customer. 

Why points for card XXXX and card XXXX were combined originally : My original and current card is XXXX. Citi sent me a promo in late XXXX to upgrade to their new Premier Card. When I did this with Citi, something went wrong, then I got all kinds of mixed and conflicting instructions from Citi that ultimately resulted in Citi issuing me two cards ( old and new ), which hurt credit score ( because it was supposed to be an upgrade/ replacement of the one card ). I've attached images to this complaint for your reference. XXXX The reason have images from back then is I thought I would file a complaint about the experience back then - I didn't because I just wasn't physically up to it at the time. ) Due to that frustrating experience and that I wasn't feeling well at the time to be able to stay on Citi about this, I just merged the points into XXXX and cancelled the Premier Card XXXX. The reason I'm relaying this is that, that experience made me lose confidence in when Citi tells me they'll look into something and get back to me. My credit score was hurt, my XXXX shopping ruined ; it was stressful and I was sick at the time so I just let it go. Now Citi is once again telling me they will look into this refund situation -- and I have very little faith that they'll honor my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well first I had a fraud alert on my account which should of disallowed anyone to access my report without my explicit permission. Well that didn't work and when I went to buy a car the dealership repeatedly applied to all these different companies without my permission. No one came to me and said, ok the first inquiry didn't go through may we try the next? They ran it over and over again without my permission until they got a company that would fund me. I want all of these hard inquiries removed from my account, I tried removing them using my credit reporting agency but I was told that the company had to remove it and most of them dont have an address. Please remove the following hard inquiries from my report that all occurred on XX/XX/2018. Thank you XXXX => - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX | Transunion => -  XXXX | XXXX => - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX/ ACCOUNT XXXX XXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Credit card

I used the Discover Deals section of the Discover.com website to make a purchase with a 5 % cashback bonus. I used this page ( XXXX ) to buy a XXXX and get 5 % back, but when I asked a Discover representative later for more information they said my purchase was excluded, even though XXXX was not listed under exceptions for the deal at the time. The representative acknowledged that the live site at the time did not exclude the purchase, and said they would investigate further. The next day XXXX was added to the list of exclusions, and I was told I would not receive the 5 % back, so I canceled the charge. Attached is a print out of the original deal before it was changed and a transcript of my correspondence with Discover.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX Account : XXXX NELNET ATTENTION : XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX AFFIDAVIT OF FACT/ NOTICE Dear XXXX XXXX, I hope this letter finds you in get spirit and good health. 

I am responding to the letter I received on XXXX XXXX. I take this matter seriously. I come with clean and good faith from the being. I was ignorant to the law and my right. Now that Im woke I have the right to exercise. I have previous attempts to resolve this issue. 



Fact, Puarsuant to House Joint Resolution XXXX XXXX XXXX, XXXX. XXXX. CHAPTER XXXX, XX/XX/year> JOINT RESOLUTION - [ H.J. Res. XXXX ] [ Pub. XXXX, XXXX. XXXX ] XXXX XXXX XXXX Every obligation, heretofore or hereafter incurred, whether or not any such provision is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. that the government has the obligation to discharge and settle any debts we may incur in our daily lives. There are many ways to skin a cat, but It was says it in your law not mines. 

Im requesting the following QUESTION to Be ANSWER.

1. How is the Evidence is lacks any legitimacy?

2. How all this unfair, deceptive, and misrepresentation practices, lack of performance, lack of consideration and lack of fiduciary duty of Nelnet, is going to fine me?

3. How can one pay a DEBT WITH ANOTHER DEBT.

4. What are the 1099-C IRS FORMS made for?

5. How is the 1099-C IRS FORMS fraudulent?

6. HOW is the Nelnet on my credit report Benefiting ME?

7. Are you Harassing me or threating me?

8. I cant practice my legal right? My equitable rights?

9. Is the United States BANKRUPT?

10. Tell me WHAT are the FALSE STAMENTS, FABRICATING PHYSICAL EVIDENCE?

11. Tell me WHAT SCAM YOU ARE REFERING TO?

12. WHO IS BEING TARGETED?

13. WHAT CONSEQUECES YOU ARE REFERING TO, AM I A CHILD? 





FACT, Pursuant to XXXX XXXX. DISCHARGE AND EFFECT OF DISCHARGE. 

( a ) The obligation of a party to pay the instrument is discharged as stated in this Article or by an act or agreement with the party which would discharge an obligation to pay money under a simple contract. 

( b ) Discharge of the obligation of a party is not effective against a person acquiring rights of a holder in due course of the instrument without notice of the discharge. 





If you have any concern please write me. I look forward to your response. 

Sincerely, By : XXXX ; XXXX
Product: Debt collection

On XX/XX/18 I got a notice from XXXX for a late payment of {$2100.00}. I shouldnt of been charged for this because I was a passenger not at fault. I contacted my insurance company and XXXX to clarify my information but had no resolution or notice was confirmed.
Product: Debt collection

I've been receiving several calls from multiple different numbers from Wakefield and Associates. They use threatening language about suing me and ruining my credit. I have not received a single peice of written communication from them. 
I called them today and I was threatened and I told them that I would contest the charges, they claim I owe them {$2100.00}.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX OF XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XX/XX/XXXX
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural living and breathing person ; consumer. I previously filed a complaint in regards to the inaccuracies for the accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, which appears on my consumer report. I am aware that these accounts refer to transactions and experiences which is not in accordance with the Fair Credit Reporting Act. XXXX responded that the companies verified that the disputed information was accurate as reported, and as I am not content with the results, I now would like proof of the reinvestigation which took place to confirm the accuracy of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX accused me of fraud and reported me to Early Warning in XX/XX/2020. I submitted a complaint to Early Warning advising the report was erroneous. On XX/XX/2020 I received a letter that Early Warning blocked the fraud being reported due to identity theft. On XX/XX/2020, Early Warning rescinded their findings and put the fraud back on my report advising that XXXX determined the fraud was correct. On XX/XX/2020 Early Warning applied the block and then XX/XX/2020 rescinded the block. I submitted reports to Early Warning and a letter from my attorney advising this was indeed identity theft but Early Warning is refusing to acknowledge my police reports, attorney letter, the complaint I sent to the Texas Attorney Generals office, and the letter I provided from XXXX indicating there was no fraud committed by me. Early Warning is unfairly penalizing me for something I didnt do. Ive keep all correspondence if more information is needed.
Product: Money transfer, virtual currency, or money service

Ive been with the brokerage platform Robinhood for some time now and around the XXXX of XXXX I was restricted on my account due to security issues ( I was trying to withdraw my money not knowing how to use the new card update feature ( also on the XXXX ) I submitted them all the proper documentation such as ( a selfie, my license, and XXXX different bank statements ) shortly after I call them and they tell me that theyd push my case through faster only to still be locked from obtaining my money Ive told them numerous times I just want my funds Ill no longer use the platform.. however now when I attempt to contact them they dont give me any calls nor emails and my account is still locked! I cant do anything They do not help at all I just need my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : 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

I have new information and a new police report for XXXX  XXXX with the account listed and the false amount owed. Also XXXX is still reporting XXXX XXXX XXXX which is removed and also they are reporting a account for lXXXX XXXX which is a collection account for XXXX XXXX which was removed in the past for id theft and also XXXX is still reporting XXXX XXXX XXXX which was removed already by XXXX but XXXX is still reporting and credit first as late but it has a XXXX balance and was credited the amount so therefore its no way it could be late credit first account was not updated to paid in full as the account was credited so it should not show as late
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, haven't received a copy of my credit report for nearly a decade. XXXX provided XXXX & XXXX  online with no problem. Despite all the correct information including SS # and answers to questions, repeatedly refuses to provide online report and imposing very unreasonable burden of filing request by mail. Many others are also complaining about the unavailability of their Equifax reports online as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX XXXX Bankruptcy in XXXX of XXXX. I was assigned a XXXX payment plan with my trustee to which I successfully completed in XXXX of XXXX. My Discharge notice was filed on XX/XX/XXXX and the Ordering Closing was finalized on XX/XX/XXXX. A Bankruptcy type can either be discharged or dismissed. The difference with these types are what require either a 24 month or 48 month waiting period when applying for a conventional loan. Due to TransUnion reporting my Bankruptcy type inaccurately it is not allowing me to purchase my dream home with a conventional loan to eliminate paying PMI.
Product: Debt collection

A letter was sent to Experian asking that the accounts be removed. They removed XXXX accounts and none of the others. 
There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am demanding the reporting of this information be blocked and deleted. My demand to block is not in error nor is my demand to block the identified transactions. The identified transactions by me as the consumer. 
Experian is required to do what I am demanding and block each account and or transactions from being reported to my consumer report within 4 days from the date of this complaint.
Product: Credit card or prepaid card

I have a XXXX spending account card issued by UMB Bank, N.A. The monthly spending limit on transit ticket purchase is {$250.00} dollars. On XX/XX/XXXX, I used the Visa Debit card to make two purchases of {$90.00} each, both transactions went through and processed on XX/XX/18 ( see statement ) ; on XX/XX/XXXX, I tried to make the purchase of {$75.00} dollar, the transaction was denied, the message on the MTA vending machine was '' transaction denied, contact the card issuer ''. I called the card issuer and reported the problem, the customer representative told me that the transaction didn't go through and asked me to wait 7 days and they sent me an email to confirm it on XX/XX/18. After 7 days, on XX/XX/18, I tried to make the purchase of {$75.00} dollar, transaction was denied, same message came up, so I call the card issuer again reported the same problem, the customer representative set up a case and told me they need 2-3 business days to resolve, so I waited another 3 days, tried to make a purchase on XX/XX/18 and XX/XX/18, the problem still remained, so I called again, they asked me to wait another 3 business days to investigate. they already see my account have balance of {$200.00}, and I still have {$75.00} dollars to reach my monthly limit of {$250.00}, no one can help me solve the problem, I even requested to speak to a supervisor, the problem remained. As the timing is critical on these kind of account, if I don't use the funds within a month, I will lose it, because next month I will have another contribution of {$250.00} to use. They should provide a credit {$75.00} to my account for me to use within XX/XX/XXXX.