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

Chase will not issue my new banking member bonus of XXXX dollars as I've meet all terms and conditions. 

It's been 15 days from the 90 day term requirement that Chase has outlined in its own terms. 

Note : This situation has arrived because my ATM card account was compromised when I never used it ( this is another issue I have with Chase regarding the security of its information systems ). 

Chase has visibility on all of my transactions ( which were solely comprised of direct deposits, ) thus the above could have never happened. 

Since I had to close my account and create a new one, Chase has been dragging its feet on applying the new member bonus code from my original account to the new one. 

I asked the Chase rep for her to escalate this AND refer me to a manager, but she was unwilling. 

My phone call took place at XXXX PST.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several mortgage inquiries on my credit report with XXXX, XXXX, and Experian that I did NOT authorized. I never applied for a mortgage. 

I pulled a copy of my credit report and contacted the companies that made the inquiry and they had no record of me. And I was advised to file a FTC report. 

Please investigate the following inquires for removal. 

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

countless times since XX/XX/2020 i have sent certified letters to XXXX XXXX XXXX asking for proof that they sent me a certified letter or proper notice accordingly to IL Law stating they were going to sell my vehicle and that they gave me a chance to get it bank. they have not supplied me with such notice as of today XX/XX/2020.
Product: Checking or savings account

On XX/XX/2020, I received my PPP loan which I had deposited into my Navy Federal Account. I have 4 different accounts with navy federal and have always conducted my business with my personal accounts. When I applied for my PPP loan, I did not have a business account. I was using my personal account. After hearing stories about Navy Federal freezing customers accounts, I went into the branch and advised what did I need to do. I took in my docusign paperwork from my PPP as well as my application that was submitted. I also took my XXXX  paperwork which proves I do have a legitimate business. The lady advised me that I would be fine because I came and to let them know. This was 2 weeks before my ACH hit. On yesterday, after calling about something else, the rep immediately placed me on hold and told me that she was having issues with her system and placed me on hold. Soon after, a supervisor picked up the phone and advised that I needed to go into the branch, take my ID and business information and my funds will be released. Cool!!! I did that. Spoke with a member service rep and she told me that I can not conduct business out of a personal account. My response was, how can you tell me how to use my money that I make? I have had very rude experiences. All 4 of my accounts with Navy are frozen. All my money is tied into Navy Federal. I advised them that I have paid bills and I have a house payment that will be coming out as well. The lady told me that she is sorry but it will be returned. So I asked who will be responsible for it and she told me that I would. I can't understand why my accounts are being frozen to begin with. I applied for the PPP loan, I got approved. This has nothing to do with Navy Federal. I also have a family of XXXX to feed and bills to pay to keep a roof over me and my children head and Navy Federal have no concern in the world. I understand people do some fraud activities and I respect the verification process, however, I verified and proved that I have a legitimate business. If Navy Federal had any stipulations with PPP loans going into a business account, then they should have noted that on their website advising their customers. This money was giving to me to keep my business running. If I don't pay my building fee, then I am going to lose what I have worked so hard for all because Navy Federal is indulging into something that has nothing to do with them. I am livid. Every time I call it is always, well we have to verify. The company did an ACH, what is it to verify.This is my money.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident Please remove the following account : XXXX XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, AMOUNT : {$11000.00} PLEASE REMOVE THE FOLLOWING INQUIRIES ASAP : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , INc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measurements to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Act and Regulation E. These actions have caused significant inconvenience and financial loss. I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have submitted proof to Experian that XXXX XXXX is listed as closed on my XXXX credit report and that being that the account status doesnt match Experian is reporting in accurate information. I have requested the account be removed and Experian refuses to update my credit report and continue to report inaccurate information. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this issue with credit agencies however they have refused to remove these account from my credit as it is in the FCRA : Any account reported as identity theft should be remove from consumer credit file, if you don't provide me with original contract with my signature in it these accounts can not be verified. In order to list these account you have to have original document with my signature in it. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i pulled what little info i was allowed to access on my credit report only to find that there is incorrectly reported payment records on my credit reports i have tried calling to have the information corrected but was denied. even after my XXXX  i tried to send a debt validation letter to the debt collectors but to no avail. this is a violation of several us codes of title 15. 15 usc 1692 false and misleading representations, 1692f unfair practices 1692g validation of debts, 1681e ( b ) accuracy of reports, 1681i disputes, 1681s-2 responsibilities of furnishers of information, 12 usc 5531 consumer financial protection act, the following codes apply and i wish to exorcise 15 usc 1681n & 1681o- civil liability, 15 usc 1692K civil liability
Product: Checking or savings account

I am a valid member of Navy Federal Credit Union, they have locked my account due to a fraudulent check which I e deposited. I have sent a Fraud Appeals 6 page letter about the fraudulent check ; however, Navy Federal Credit Union will not release my account so I can pay my Bill 's. I will gladly provide you with a copy of my NFCU fraud response. My telephone number is XXXX. My email address is XXXX. I look forward to either hearing or reading your response. Sincerely yours, XXXX XXXX XXXX.
Product: Credit card or prepaid card

Credit line of {$1000.00} has turned into. Almost {$1900.00} in fees on a account that is not open
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw on my experian credit report 3 inquiries which is not mine, please help me to they remove from my credit report. Thank you XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX.

Type : Bank Credit Cards Phone number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX  XXXX  CARDS XXXX   Inquiry date : XX/XX/XXXX.

Removal date : XX/XX/XXXX Type : Bank Credit Cards Phone number : NO PHONE PROVIDED Address : XXXX XXXX XXXX XXXX XXXX, SD XXXX   XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Type : Bank Credit Cards Phone number : XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX
Product: Debt collection

In XX/XX/XXXX I seen that there was a collection account on my credit report. I immediately called the XXXX XXXX XXXX  to tell them this utility bill didn't belong to me. I was told they couldn't find the account. I then reached out to pcs, the reporting agency and disputed the bill. I explained to them I moved out of XXXX and the address they claimed the bill was for in XXXX is my ex husband 's current residence. I moved out of XXXX XXXX  in XXXX and have never moved back. I have provided a copy of my ca driver 's license showing issue date of XXXX to a diffrent address, 1040 's, bank statements, my divorce decree, wage reporting by my employers reported directly to the irs off the irs site. I have ran a public profile showing my residence locations with dates of occupancy supporting all documents provided to pcs. I have provided every legal document, misc proving I didn't live there in XXXX as they claim this debt is for. Pacific credit services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The information they provided had inaccurate information, inaccurate dates, no signature or a picture of my id.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 my friend was sending me money through paypal friends and family. He had owed me money because last year I paid his rent when he XXXX XXXX and couldn't work. He sent me total of {$6000.00} and the next day paypal put a permanent limit on my account and now I cant transfer the money, I cant use the money, I cant send or receive any more money. I submitted ALL the necessary docs possible such as DL, social, birth certificate, passport and even multiple bank statements and they are STILL holding my funds!!! This is negatively effecting my ability to pay bills and support my family and they are constantly giving me the run around. I do everything they ask yet they continue to tell me " 24 hours '' " 72 hours '' blah blah blah
Product: Debt collection

Elevate Recoveries contacted me as early as XX/XX/XXXX. When they called, they didn't disclose who they were and the purpose of their call. The young lady on the phone began asking me for personal information such as my name, address, the last digits of my social security number. And when I didn't give the information and asked who they were and the purpose of the call. The lady was very rude and obnoxious. Over a period of 3 months I continued to get phone calls from Elevate Recoveries. I noticed from a credit card statement that my credit dropped from XXXX to XXXX. I contacted XXXX  to find out why. XXXX mailed me out paperwork to show me what was on my credit report. I received the report and I seen that XXXX Recoveries submitted a claim of {$1800.00} for XXXX  XXXX XXXX against my credit. Damaging my credit. I contacted XXXX  XXXX XXXX XXXX Department. Come to find out, the bill from XX/XX/XXXX from XXXX  XXXX XXXX was already paid in full. The paid in full letter is dated XX/XX/XXXX. Elevate Recoveries claim they didn't know the debt was a workmans compensation claim. Which is not an excuse. Because the bill was already paid in full at the time Elevate Recoveries tried collecting for this bill. Yet Elevate Recoveries immediately placed a claim against my credit without first having the correct information.
Product: Bank account or service

Bank accounts  ( CD & Money Markets ) w as opened by single account owner with    XXXX   XXXX  .   XXXX   XXXX   closed. The bank accounts wound up with   XXXX   XXXX  , and now with U.S.  Bank. Somehow during this time, an additional name was added to account, without original owner knowing or authorizatio n. U.S. Bank r efuses to correct error and refuses to produce the SIGNATURE CARDS. We have been trying to get cooperation fr om U.S. Bank for over six ( 6 ) months. We have contacted their Executive Offices and spoken to several persons in Fraud Department and Senior Banker a  t (   XXXX   XXXX   XXXX . Finally,  one person to ld me to contact the  XXXX   XXXX  branc h manager named xxxx,  in  XXXX  and that is where the signature cards are located. ( I have never previously conducted any business in this branch. ) Several calls were made, messages left, and could not get a call back response. Finally spoke to  Assistant Branch Manager who told me to come into bank. She took my personal and all contact information  and promised to get back to me. She did not. Then she was getting information from  Corporate Office  and they would send letter directly. Allotted time passed without any response. She became increasingly more hostile with each additional phone call. She finally said they do not have to give any information or put anything in writing. Later, I went to another branch, a suburban branch. Spoke to the branch  manager, w ho listened, then said she would followup and get back in touch the next week. After not hearing back, I called, but was told she was busy. Left a message. After no call back and it was almost at the end of the business day, I contacted her. She said was waiting for information back from another source and In a very unfriendly voice stated she would contact me in  two ( 2 ) days. Time pas sed without contact. I called again, left message. Called again and she had someone tell me she no information for me.   With each contact person that I have spoken to over the las t six months, I told them there is a legal issue and the information is needed. Also, that I NEVER authorized anyone else to be on my accounts. They will not own up to AND refuses to correct the bank errors! However, they have given out incorrect information, which has caused a  XXXX  legal issue, currently in court.
Product: Consumer Loan

I took out a loan from XXXX XXXX last year, and a few weeks ago a company by the name of Critical Resolution started calling me and my job every single day harassing me at my job. I have enough going on without someone calling me at work. I was not able to pay thins loan off so I have got it consolidated and I have told this company that and recomomended they stop calling me. They are telling me that they are going to garnish my wages if I do n't pay immediately. Over {$300.00} I have borrowed. Now they are saying I owe {$800.00}. I told them to send me to whomever they needed to.
Product: Credit reporting or other personal consumer reports

I was hit with a hard inquiry on my credit report and was not advised by the company they were pulling my credit nor that it was a hard inquiry. I would have never done it if that was the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter stating that someone tried to get credit at XXXX/XXXX.This was an unauthorized attempt.
Product: Checking or savings account

I opened an account with Citibank where if I transfer money into a checking account they will give me {$200.00} and pay my 5.11 % APY. 

They flagged my transactions as fraud then without explanation, they closed my account. I think Citibank is intentionally delaying so they can keep my money without my permission. 

I feel they are committing bank fraud and are going to take up to 60 days to release my life savings of {$19000.00} This bank is a fraud and needs to be held accountable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a XXXX XXXX  on XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, she is an employee accessed my s.s.n at XXXXXXXX XXXX  records to open 3 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$770.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$690.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$1700.00} ) She used her XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address, where the cards were delivered to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681 ( i ), Paragraph ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.

Experian has stalled the process of removing the following unauthorized inquiries on my account. 
XXXX. XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX This process has been stalled and I have been mislead and lied to since XX/XX/XXXX. After checking my credit report and contacting them, I was advised I must send a police report and/or identity theft report. They have received both forms and I have contacted Experian over 30 times since the month of XXXX. They advised me once they receive the report these unauthorized hard inquiries will be removed. Now they are say that because I have an open auto loan that these inquiries are corresponding. That is false. These inquiries are FRAUDULENT. I have explained these inquires are from a several different dealerships who fraudulently ran my credit report. These dealerships are not correspondent with my open auto loan. They did not contact the above creditors to check my credit. The above creditors were ran by different dealerships for different transactions that are FRAUDULENT. I DID NOT CONTACT THE ABOVE LOCATIONS TO REQUEST ANY PURCHASE. YOU ARE DENYING ME OF MY LEGAL RIGHT BY NOT REMOVING THESE HARD INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bank, acct XXXX XXXX XXXXXXXX, acct- XXXX XXXX XXXX, acct XXXX XXXX, acct- 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 an account without my written instructions
Product: Credit card

I am filing a complaint regarding Shell MasterCard 's handling of my account in relation to returned payments, identity theft, and the subsequent closure of my account. 

1. Timeline of Events - Returned Payments In XX/XX/year>, two auto payments on my Shell MasterCard were returned because an auto-pay setting did not reflect the current balance ; this was not due to missed payments. I have consistently made my payments on time and in full. 

- Fraud Claim : In XX/XX/year>, I reported digital unauthorized charges on my account - Account Closure : Following the report of these fraudulent charges, my Shell MasterCard account was closed in XX/XX/year>, allegedly due to the previously returned payments. 

2. Issues Faced- I have been informed that I can not reapply for a new Shell MasterCard account, despite my solid payment history prior to these events. 
- Upon contacting the Shell MasterCard executive office, I spoke with the person handling my case, who informed me that my account was being closed and made a statement regarding racial discrimination. When I requested to speak to her supervisor, she claimed she didnt have one. 
- After following up with the executive office, I was informed that she did, in fact, have a supervisor and that my case would be assigned to another representative. 

3. Dispute Over Fraudulent Charges - Despite identifying fraudulent charges on my account, I have encountered ongoing billing issues related to these charges, which has further exacerbated my financial distress. 

Consumer Laws Involved - I am aware of my rights under various consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I urge Shell MasterCard to comply with these laws when addressing my case. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate my complaint against Shell MasterCard and scrutinize their practices regarding my situation, particularly in relation to account management and the consequences of identity theft.
Product: Student loan

I have loans serviced Navient, ever since they were transfered there from XXXX XXXX I was only provided with the option of being in foreberance instead of providing me with lowerpayment plans based on my income. I spent hours on the phone explaining that I did not make enough money to pay the monthly installment they kept telling me was required. I filled for foreberence more than 4 times because they told me I had no other options. I submitted my tax returns, in addition to their form depicting all my expenses, every year for the past 4 years that demonstrated that I was not able to make the monthly payment Each time I was told that I would be required to pay over $ XXXX/month. That payment based on the documentation that I submitted that summarized my monthly expenses, including my home, car and utilities, would have put me into a deficit each month. This past summer I was finally able to renegotiate a plan that is still above what I had requested, but is more manageable. Unfortunately it means I am paying excessive interest on my student loans. In addition, as a teacher in a XXXX school, I had to submit the paperwork to have my student loans reduced for service, 3 times. Each time it was " never received ''