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

On XX/XX/XXXX I placed an online order ( # XXXX ) with XXXX XXXX XXXX XXXX in the amount of {$900.00} and charged it to my Chase Bank Sapphire card ending in XXXX. Within in minutes, after placing the order, I changed my mind and was given the option by XXXX XXXX online platform to cancel the order. I received a response that my confirmation for the cancellation would be emailed shortly. The case # XXXX was provided as a reference. Instead of actually canceling the order, XXXX shipped the merchandise via XXXX  tracking # XXXX. I followed up with XXXX  on XX/XX/XXXX via phone regarding the transactions and advised them of the reference number I received regarding the cancellation. I was told by a XXXX  representative that the order was not visible in their system but later on XX/XX/XXXX I received at shipping confirmation that they went ahead and shipped the order. I contacted XXXX  on XX/XX/XXXX and advised them that I refuse the delivery. XXXX  provided me with return # XXXX confirming the refusal. and they would indeed return the goods to XXXX. The goods never left the state of Illinois for Texas, where I live, from the XXXX facility. On XX/XX/XXXX I contacted Chase Bank, my credit card company, to file a dispute for the transaction via the mobile app and the charge was temporarily removed. After weeks, the charge reappeared on my account and I have been billed by XXXX XXXX XXXX XXXX for merchandise I cancelled and never received in the amount of {$900.00}. This charge is in error and must be removed as no goods were ever received. I've contacted XXXX XXXX and they stated that my Chase account was credited with a refund on XX/XX/XXXX. Chase says that they never received a charge back from XXXX XXXX XXXX XXXX. XXXX XXXX has provided me with a Payment ID # XXXX. Chase has been very uncooperative. They dropped the ball from the beginning of the dispute. XXXX XXXX sent them a copy of the XXXX  XXXX tracking and it shows that the bike that I ordered never left XXXX, Illinois where it was shipped from, because I contacted XXXX XXXX and instructed them to return the bike to XXXX XXXX. Chase still expects me to pay them for this charge, even though I have provided them with the proper documentation. Both companies have been very dismissive, however XXXX XXXX has provided me with documentation to substantiate their claims.
Product: Vehicle loan or lease

I lost my job in early XXXX due to the pandemic I struggled to make payments however I made them. Kia Motor Finance has refused to help when I finally spoke to them it took them over 4 weeks to send me documentation for the modification of the loan. Through no fault of Mines even though I contacted them before my payments showed late and due to their continued lack of urgency they sent all documentation late and have refused to help when they finally. Sent documentation I was over 30 days late due to their lack of trying. Then they continued to report me late even though we have a current agreement signed of my modification of the loan. This has impacted me negatively they arw charging me for late payments and reported late 's even though a fully executed modification agreement was signed on time. 

I need help they will not assist nor answer in a timely manner. This is plain out consumer ripout.
Product: Checking or savings account

1. XXXX XXXX delivered by USPS informed mail delivery, Chase letter with checking acct. ending XXXX, with Business debit card ending XXXX, Good thru XX/XX/XXXX, with my name printed on " card twice '', which no other banks do this. 
I NEVER OPENED ANY ACCOUNT WITH CHASE NOR DO I HAVE A BUSINESS. 

2. XXXX, & saw article by XXXX XXXX XXXX XXXX XXXX XXXX, " Police Warn Residents about Chase Bank Scam ''. 

3. XX/XX/XXXX XXXX, went to XXXX XXXX XXXX Police Dept . and spoke with Senior Police XXXX XXXX. Justice about what happened, filed report. 
XXXX called Chase Debit card Letter Customer service number XXXX XXXX, spoke to Ris explained NEVER OPENED ANY ACCT. She said the acct. would be closed & I would be sent a packet to fill out & return with police report. 
4. XX/XX/XXXX went to local Chase Bank XXXX XXXX XXXX XXXX VA to make sure this " fraudulent account '' was closed and to see someone in person. Spoke with XXXX XXXX he checked acct online and stated it was closed. We showed him per USPS informed deliver there was another Chase letter from a different address coming to our mailbox. 
Chase letter dated XX/XX/XXXX stated " Important to protect against potential fraud '' we restricted your account ending in XXXX and may close it soon ''. 
I NEVER APPLIED FOR SUCH ACCT. 
XXXX called XXXX to report " fraud '' concerning Chase Bank XXXX to XXXX XXXX XXXX , placed a 1 yr fraud alert with all 3 credit bureaus. 
I checked my credit report and it showed JPMCB-XXXX & JPMCB-XXXX inquiry dates XX/XX/XXXX . 
5. XX/XX/XXXX Another Chase letter, " Action needed : " Please call us about your online account access, We locked your online acct access to protect you '', to call XXXX XXXX ( I DID NOT CALL THIS NUMBER ). 
6. XX/XX/XXXX Packet came dated XX/XX/XXXX from Chase XXXX XXXX XXXX XXXX XXXX " to provide information about your claim ''. To fax or mail info within 10 days. 
Fax XXXX XXXX XXXX. I went to Chase Bank XXXX XXXX XXXX XXXX XXXX and had Bank Manager XXXX XXXX XXXX fax my information from that location. 
8. Today XX/XX/XXXX we received 2nd Packet letter from Chase " to provide information about your claim ''. I decided to file a complaint to CFPB
Product: Credit reporting or other personal consumer reports

DELETE I received notifications from Experian that I have negative items damaging my credit score. Identify theft was reported to Internal Revenue Service, Federal Trade Commission. I was told to have a police report with all negative finding involved with identity theft to continue process. ( 1 ) Account name : XXXX XXXX XXXX XXXX Account number XXXX. 
( 2 ) Account name : XXXX XXXX Account numberXXXX, I will like to get these 2 negative items on Experian off my credit report due to it being identity theft. XXXX16 CFR Part 681XXXX15 U.S. Code 1681XXXXCalifornia Civil Code 1785.16 ( k ). [ Preempted by H.R. 2622, 205, FCRA 605 ( i ), 15 U.S.C. 1681c ( i ), and by renewal of 15 U.S.C. 1681t ( b ) ( 1 ) ( E ) DELETE
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$30000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed XXXX {$30000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX Balance Owed : {$930.00} XXXX  XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I opened a business account, deposited money had no transactions and a week later received a letter from bank saying they have a hold on account and will be closing it with no explanation
Product: Vehicle loan or lease

Over the last month, GM Financial has gone from calling with local numbers, to calling from Restricted numbers, thereby avoiding any possibility for me to redirect to voicemail. When they hear the line is recorded, they immediately hang up and refuse to answer any questions. Given that I am unemployed and waiting on unemployment to begin, I have explained this, where they are asking for more than I have, in income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was accepted into XXXX XXXX program by XXXX college, they do background checks before admission I informed of previous charges. Was told I was good to go, gave XXXX for registration fee and started class XX/XX/XXXX. Went through whole course and completed even given class completion certificate. ( Still have ) Well they had a couple of us double check backgrounds before extern and of course the same system used during admissions pulls up my background they said " I was good to go '' on. Well the " XXXX '' charges ( because thats the main thing you cant have on your background when going to XXXX   school ). Walked into a house my friend was waiting at, didnt know older brother in that house sold XXXX to a undercover officer earlier that week. And me and my friend walked right into a XXXX   bust, everyone in the home was charged with the same thing since the actual criminal wouldnt admit. Date of offense was XX/XX/XXXX didnt get it expunged till XX/XX/XXXX. So the school would have seen record during admissions and background check. XXXX from front desk at XXXX college XX/XX/XXXX did state over phone their background checks are accurate, if ever anything missed it wouldve came back with the first couple days after 1st Bckgrnd check. I have spoken with Director of Student affairs who has yet to find background check and stated withdrawal papers states i left do to transportation not realizing I COMPLETED CLASS COURSES, transportation had nothing to do with why i couldnt go to extern. I have filed and contacted Borrowers Defense and student loan comp etc. I was told best thing i did was keep Documents which will prove School Error and not Student error and that I qualify for removal. I have {$12000.00} in debt on acct that all 3 credit Bureaus are still reporting and I couldnt even get certified or use credits. It has my debt to ratio high and preventing me from getting Qualified for loans. I so desperately want to move my family in our first home but I am told I am a Couple thousands to high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I originally filed a complaint to the FTC on XXXX/XXXX/15. On XXXX/XXXX/15 I called FTC to check on status of complaint and they referred me to you. Repeated phone calls started on XXXX/XXXX/15. As of today, XXXX/XXXX/15, I have received XXXX ( XXXX ) calls for someone I do not know. I answered the first XXXX calls stating " no one here by that name at this number, nor do I know that person, please do not call again ''. Finally I decided not to answer the calls, I just directed them to my voicemail, no messages left. 

I have had this phone number for over five ( 5 ) years. It is a registered " Do Not Call '' number.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only XXXX XXXX accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES XXXX XXXX. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green XXXX highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow XXXX highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Checking or savings account

I am very concern why Navy Federal Business Department closed my account and Credit card but, leave an open saving account thats still active as of to day. I have been a loyal and a great customer with navy federal since XX/XX/XXXX. On XX/XX/XXXX I had randomly received a message through navy federal portal that my account will be closed within XXXX days due to high risk XXXX. No warning letters or letters mailed letters to my address regarding my account closing. However, I had been with this bank since XXXX with know complaints. Since my account been closed within a short notice. I was told by the representative my credit card will be closed as well. For-some reason within that week that the credit supposed to be closed down. Someone used the card and made purchases on the credit card without my consent. I am very wary about navy federal system. I believe my account has been target as fraudulent and tampered with. I had ask many questions regarding my business account and why its closing. and couldn't get a fair answer any proof on why my account is closing. And I feel its not fair to me as a loyal customer my account is closed due to not enough information to tell the customer on why.
Product: Money transfer, virtual currency, or money service

This is the request to reopen the investigation : XXXX XXXX  XXXX about the fraud made in my savings account, where from XX/XX/2019 to XX/XX/2019 a total of {$17000.00} USD was disbursed  through XX/XX/XXXX XXXX XXXX machines in several transactions during this period of time. 
The claim today is for the remaining {$8500.00} USD that is still outstanding as a result of the transactions made to my account from XXXX to XX/XX/2019. CITIBANK returned the transactions made from XXXX through XXXX covering the amount of {$8500.00} USD but does not want to recognize the outstanding amount of the other half ( {$8500.00} ) from XXXX through XX/XX/2019. 
Transaction Date / Amount XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} Note the date of transactions, those violated your rules about the maximum transactions per month allowed for a savings account, without any security action from you. 
CITIBANK concluded that these transactions were authorized by me, which were not, and XXXX XXXX XXXX shared documentation to the bank that looks like I authorized these transactions. 
These ID documentation are fake and obviously are not related with my actual identity and must not been used to. 
I have verified, to CITIBANK, several times through correspondence, telephone and in person in your offices in XXXX, FL, that these documents ( by the impostor ) are false and cant be even considered under any circumstances, proof of my real identity. CITIBANK asked me to contact the company XXXX XXXX XXXX to collect the remaining balance which is still owe to me ( {$8500.00} ). Even knowing that I dont have any relationship with XXXX XXXX XXXX, I contacted them ( XXXX XXXX XXXX ) to make the claim and they send me back to CITIBANK, indicating that CITIBANK is still responsible for this refund. 
XXXX XXXX XXXX are open to be contacted by the bank to continue with the investigation. 
As a CITIBANK client for more than 10 years, I hope you will be more responsive for this claim. We have proof once and again that the ID document originally sent by XXXX XXXX XXXX does not match with my real/actual documentation registered in your records.
Product: Credit card or prepaid card

I CALLED XXXX XXXX TO TRY AND LET THEM KNOW ABOUT THESE TRANSACTIONS THAT WERE MADE ON MY ACCOUNT AND WERE FRAUD CHARGES BUT THEY TOLD ME THE CHARGES WERE TOO OLD. I REPORTED THESE TRANSACTIONS BACK WHEN THEY HAPPEN AND THEY DID NOTHING FOR ME. PLEASE HELP ME GET MY MONEY BACK. I WILL LIST CHARGES THAT WERE MADE NOT BY ME AND DATES AND AMOUNTS. 
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX CARD LAST FOUR-XXXX XX/XX/XXXX XXXX XXXX CARD LAST FOUR-XXXX I NEVER AUTHORIZED ANY OF THESE CHARGES AND THE CREDIT CARD COMPANY WAS VERY RUDE AND NASTY TO ME TELLING ME IM TOO OLD TO REMEMBER AND I PROBABLY FORGOT. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$70.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

PHH mortgage company paid XXXX taxes for XXXX and refunded the amount left escrow to us. When we called the customer service line they stated the escrow department does not take calls and gave us an email address. We sent correct tax statements to PHH that we ourselves found on the XXXX XXXX tax website and informed them of what they should have done. We informed PHH of their mistake, gave them the correct documents that they should have had and done themselves. PHH then stopped communicating with us. We have been unable to get ahold of any one in the escrow department since XXXX XX/XX/XXXX. No one will return our emails or even call us. I have called the customer service department and all they can tell us to do is look online and check our statements. We want someone to talk to us take the check back they sent us to correct the now deficit in our escrow account that their incompetence created.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to place a security freeze on my credit profile that this company maintains. On two different times over the last three months I faxed in the security request form from their website. Additionally during the same 3+ month span I twice submitted the security freeze request using the companies online platform. I have still no received correspondence on the outcome of any of these requests. I have called to company at the registered number at least 5 times, leaving voicemail messages and have not received a follow up call or any writing response. SageStream LLC is not responsive of my request and I demanding that they place a security freeze on my consumer profile and furthermore do not want them data mining any future information of mine. I also feel that they are in violation of the FCRA and FDCPA and should have to compensate me under willing violation of these acts.
Product: Mortgage

House burned down in camp fire on XX/XX/XXXX sent my structure check to XXXX XXXX XXXX  ... XXXX XXXX XXXX overnight-ed signed with a letter stating to pay off my loan and overnight my funds back to me ASAP on XX/XX/XXXX ... .as instructed on XX/XX/XXXX by them ... i have been given the run around since no one can verify when i will receive my remaining balance, one person says they received it and processed it on the XX/XX/XXXX even though i have proof it was received on the XX/XX/XXXX as instructed ... they gas light me ... and i was never able to receive a phone call back from a manager/ supervisor for over two weeks after calling daily not only do i have the stress of loosing one home they caused me to loose another in escrow because of this ... now as of Friday the XXXX a XXXX XXXX supposedly a Manager was going to return my phone call today XX/XX/XXXX he verified the receipt of the check ( which was cashed ) as well as my letter asking for funds to be returned to me ... .i get a phone call this morning from some other woman ... .stating there is no request to return funds to me letter ... ..several agents mind you have already acknowledged the letter was there i have a copy of everything as well. I want my money back this Co ... is either keeping my money to earn interest on purpose or is totally no qualified to handle servicing of loans i have emailed corporate filed a XXXX complaint called everyday ... .most i talk to are rude and uncaring and either act like i haven't done something right or didn't follow procedure which is all a form of Gaslighting ....