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

On XXXX XXXX, XXXX my Chase Freedom credit limit was {$4500.00}. Early in the morning on this day several purchases were made on my card which totaled over {$15000.00}. None of the charges over the {$4500.00} credit limit were declined and I was not alerted to these overages in any way. On XXXX XXXX, XXXX I spoke with a chase card customer service representative ( the gap in time here was due to a fraud investigation which I had thought would clear these charges ). When I asked the representative how my card was able to exceed the credit limit more than 3 times over, their answer was " I do n't know. '' After pressing further, I was told that one possible reason for this was that because these were multiple transactions made in quick succession the Chase system was not able to update fast enough and recognize that the card was over it 's credit limit. There were 7 charges made on the card over a period of two hours, each between fifteen and thirty minutes apart. If Chase 's system really takes more than two hours to update, this could leave many more consumers extremely vulnerable to large credit overages. The Chase representative also stated that some of their cards are able to go over their stated credit limit- some by a few dollars, some by a few thousand dollars- without clearly telling consumers about their cards potential to go over. I was also told that " some customers '' are allowed overages but was not told how or why these customers were chosen - I was told that no one knows and that it is all completely up to " the system ''. The highest number that I was told by the representative that a particular card and chosen customer could overspend was {$7000.00}. While this is still in my opinion an extreme amount to be allowed over a credit limit, it is still far less than the additional {$10000.00} that my card was allowed to be charged. This appears to be a very big problem with Chase 's system that could only benefit Chase in the end ( causing consumers to fall behind on payments or rack up interest ). I would like to believe that this is a glitch or problem with the system that can quickly be fixed but was not left with this impression after my phone call with Chase. After going back and forth with the Chase representative about possible solutions she was able to speak with a manager and eventually put a permanent limit on my credit card that will not allow overages of any kind ( at least this is what I was told ). While this sounds like it should be a good solution, with the system as it is I am not confident that this hold on spending will work if a similar situation were to occur ( several charges over a few hours time ).
Product: Credit card or prepaid card

My Best Buy XXXXsa Card. 

The card is paid in full, but Visa will not close the account because they can not verify me. 
Sounds odd but after speaking with their customer service, their fraud protection unit and credit card specialist, their answer was the same, it is " our policy '' that they will not close my account until I am verified. However, they won't tell me what I have to do to verify the account. This is the definition of a " Catch 22 '' It is crazy. They gave me the credit immediately, they take the money out of my account when paid, but refuse to cancel the card upon my request. Especially after identifying myself, SS #, card #, etc on the phone with their representatives. 

I paid the card in full, and want the account closed immediately.
Product: Credit card

This is formal complaint to express my disappointment with the lack of service provided to me from Chase Credit Card Services after explaining the following complaint with a merchant. 
Merchant : XXXX XXXX XXXX XXXXOn XXXX -- I held my son 's XXXX party with the merchant listed about. The complaint is as followed : A written statement was sent to inform merchant of my negative/positive experience with the food and services that I paid for on XXXX. First the food was great, however, I am very disappointed in the level of service that was provided. Per the contract, the staff was to look after my party and refill buffet food accordingly especially when XXXX XXXX imposes a mandatory 20 % gratuity/Service charge, I expected the service to be great and up to par. Unfortunately, the initial service by the staff was unsatisfactory and was not meet per the contract. Listed below is a quick summary as to why : -- - The waitresses at the beginning were not attentive to my guess -- drink service and refills! Staff did not notify my wife or me when the food was ready so we were not able to inform our guests that they could serve themselves My guests made their own decision as to attending the buffet which is unacceptable. 

-- - Merchant informed us per the contract that someone was going to be alert and keep an eye on the food so when food was running low more food would be put out. We ran out of the XXXX more than XXXX and it took almost XXXX minutes for them to be replenish. -- -unacceptable. brench of contract -- - Also at the beginning when we first arrived the waitress introduce herself and stated that she was going to be with our party, but when we were ready to order some pitchers of beer and our guest trying to obtain refills they were nowhere to be found. This was frustrating to my guests and embarrassing to me. At the end the waitresses were there and they were doing their job and even help cut the cake, but by this time the negative experience outweighed the positive XXXX. 

Overall our experience was OK, if XXXX is going to implement a mandated 20 % gratuity/service charge we expect 100 % service not 80 % not 70 %. At a minimum I would expect some type of adjustment to the fee/tip. Again, the food was great, but the initial service was unsatisfactory which made my husband very unhappy and was embarrassed by the actions occurred. 

Respectfully,
Product: Debt collection

XXXX XXXX Sold me an alarm system and never guide me or told me that I must have alarm permit prior the installation. 
After searching online, I noticed that they are not allowed by law to install any alarm system before permit is obtained prior the installation day. 
The system they sold me is a piece of junk, since first week gave us only problems, waking us in the middle of the nights for nothing and after XXXX police visits I ended up paying over {$1000.00} false alarm fees plus penalties for not having alarm permit. It's my first time in my life installing home alarm, I never knew and no one from XXXX told me about permit or police charges. if I knew I would never sign a contract. 
XXXX only installed the system but the monthly bill came from XXXX XXXX XXXX which also should have check the customers obtaining permits before installation. 
Now we have XXXX companies the doesn't obey the law and on top of that trying to rob from me {$50000.00}??? Let 's see which court judge will give hand to this. 
XXXX XXXX more than welcome to come and take all the junk that the installed on my walls and windows and I would be more than happy if they will clean the double tape glue from my windows and patch and paint the holes they made on my new walls.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have filed numerous complaints and sent numerous police reports to Chex Systems in regards to fraudulent and unauthorized bank accounts and inquiries viewed by others on my Chex Systems Consumer Report ID : XXXX. I currently have a police report on file with Chex Systems. The following bank accounts and inquiries viewed by others thats currently listed and showing on my Chex Systems consumer report are fraudulent and unauthorized inquiries 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 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 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 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 XXXXXX/XX/XXXX.
Product: Checking or savings account

Chase Bank Private Client Checking Account # XXXX  I reported my debit card as lost/stolen on XX/XX/XXXX on the phone with an agent from the claims department. There were 4 transaction on the card that I reported as unauthorized, which are as follows : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX for the amount of {$5200.00} posted on XX/XX/XXXX XXXX XXXX XXXX ON XX/XX/XXXX for the amount of {$5700.00} posted on XX/XX/XXXX XXXX XXXX ON XX/XX/XXXX XXXX for the amount of {$130.00} posted on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the amount of {$970.00} posted on XX/XX/XXXX It is now XX/XX/XXXX that I am filing this complaint, and no credit has yet been appeared on my account for these fraudulent transactions. The agent on the phone told me that I would receive a temporary credit for these transaction within 24 to 48 hours pending an investigation which could take up to 30 days. Since the debit card PIN has not been used in any one of these transaction, according to law, I am not to be held liable for any of these fraudulent transactions, since the reporting of the fraud was prompt. Please assist. I have tried calling the claims department multiple times to check on the status of the claim and why I have not yet received the credits, however, I have been unable to reach an agent due to the long waiting times. Thank you for your time and consideration. 
-XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Debt collection

AD Astra is reporting on my credit report in the amount of XXXX.
Product: Money transfers

I recently sent {$100.00} to a guy who I sort of know and he told me in writing and over the phone that I would get paid XXXX in return. Now that I have sent my share he has not sent mine in return. I am highly upset. His reason for not sending it is because he went out that night. Which is not business.
Product: Checking or savings account

XX/XX/2022 Just Received a letter from XXXX XXXX XXXX from XXXX SC First Citizens Bank branch. The letter informed me now they are closing all my accounts, its comical because I called them out on them stealing my money and now they just want to close my accounts? It seems like to me the discrimination and the lack of competency has become too much for this bank and this branch specifically to handle. I have had many banks in my life and this bank is by far is the most incompetent, disloyal, and consistently demonstrates a lack of integrity in all their affairs. This Bank shouldn't even exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI THERE, I FOUND FRADULENT BANKRUPTCY ON MY CREDIT REPORT. 
NEXT THING I DID WAS ... I CONTACTED TO COURT AND RESPOND WAS THAT THEY DONT HAVE ANY FILE UNDER MY NAME, WHICH MEANS THAT THE BANKRUPTCY IS FRADULENT. 
I TRIED SO HARD TO SOLVE THIS ISSUE WITH CREDIT REPORTING AGENCIES, XXXX  AND XXXX  BLOCKED IT, HOWEVER THE EQUIFAX IS REFUSING TO INVESTIGAE MY CLAIM EVEN AFTER I SENT THEM FULL POLICE AS WELL AS FTC REPORT. 
AS A LAW ABAIDING CITIZEN I AM ASKING FOR YOUR HELP TO MAKE THE EQUIFAX TO OBEY THE FCRA LAW.
Product: Checking or savings account

My Debit card was stolen and I filed a police report. Immediately, I reported this to BofA. They said they would send me a new debit card in 5 business days. I did not receive my new debit card in 5 business days and called to request it again. I asked for them to overnight the card to me and they said they could not. After a second time of requesting the card and not receiving it, I am filing this complaint. It should not take nearly a month to get a new debit card. This is total incompetence.
Product: Mortgage

My HUD184 loan servicing was previously through XXXX. Since I had the loan in 2015, I had not made one late payment. I noticed mid-XXXX that my XXXX payment had not been cashed. I called and was on hold for an hour before I could speak to someone. The representative at XXXX said that the servicing of my loan was being moved to MidAmerica Mortgage and they were servicing their own loans. She gave my my account number ( which turned out to be only for LoanCare ) and a number to get a hold of someone at MidAmerica.

I called MidAmerica the next day. There was a recording on their phone that stated they were closed for an " unexpected event ''. I called again the next day and again was on hold for well over an hour. I hung up and called LoanCare again as I couldn't get anyone at MidAmerica to answer.

I talked to another rep at LoanCare who said that while the account is in transition, that there would be a 60 day grace period. She also said I wouldn't be held liable for any late payments. She said that they had just sent out the notices that they were no longer servicing the loan the week before and I should get it in the mail. I never received the notice from LoanCare. She also stated that MidAmerica would be sending me a welcome packet as well. I never received that. 

XXXX came and went. I figured I had done my research and that I just had to wait to get something from them in the mail. I also kept checking my e-mail on file with them. I received nothing at either. 

On XX/XX/XXXX, I still hadn't received anything. I called MidAmerica again. I was on hold for over an hour again. I finally got through to someone. It wasn't actually MidAmerica who was servicing my loan, it was 1st Tribal. Also, she said the account number wasn't theirs, it was XXXX  's, so she gave me a new account number and I was able to login on the portal while I was on the phone with her. My account stated I was two months behind on my mortgage. I now owed over {$4500.00} in two weeks. She said they hadn't sent me a welcome package but that she would talk to her supervisor to have one sent to me right away. I was upset with her. I have never been late and now I had two agencies not send me the information. I had no way of making payments or knew what was going on. I am lucky that I am able to catch up, but not everyone has three months of payments at the holidays. This has also put undue stress on us for XXXX. I don't think this was handled appropriately and it put my house in jeopardy. Someone should know what they've done. I doubt I'm the only one who has experienced this.
Product: Debt collection

On XX/XX/XXXX I had my credit pulled and noticed that two collection agencies were reporting an account that I had previously requested to be sent information about. I first contacted XXXX XXXX and was informed that the credit bureau pulled this account on XX/XX/XXXX because they did not have sufficient information to know if this was my account. In that same month, credence resource management purchased this debt and is now reporting it to my credit. On XX/XX/XXXX I contacted XXXX and they were unable to provide me with any contractual information as well as any information that stated that I owed this debt. For the second time ( both written and phone ) I asked them to send me information about this account via mail and they have nothing but a final bill. This is a serious violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and this address below thats reporting on my credit report is fraudulent and needs to be immediately removed XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This Address is a accurate up to date address that should be reporting on all my credit reports XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

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 XXXXXXXX Disuted everything threw XXXX XXXX no results theses are not my accounts no proof of teses accounts belonging to me companies are third party no contract with my signture
Product: Credit reporting or other personal consumer reports

I am profoundly upset to see unauthorized inquiries showing up on my credit report tonight. This is completely unexpected and I am at a loss as to why this has happened. Despite refreshing my browser to correct what I hoped might be a temporary issue, the inquiries persist. I am requesting an immediate and thorough review of the documents Ive submitted so I can resolve this distressing issue once and for all.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My Citizens account was overdrawn by {$510.00} total over a matter of days. I was charged 5 overdraft fees.I recieved an email and text from Citizens at XXXX on XX/XX/2021 stating I was overdrafted {$510.00} and if I made a deposit by XX/XX/2021 by XXXX NO fees would be accessed. I reached out via chat, email, XXXX, XXXX, and phone. I was told by XXXX XXXX " noones going to help rebate that '' even though I sent over email of proof dated XX/XX/2021 by XXXX. A deposit of {$1000.00} was in my account before XXXX XX/XX/2021 therefore meaning any fees assessed on the {$510.00} the email stated would be refunded. I was told no that i would not be refunded and " noones going to rebate that ''. I followed my own banking institutions email instructions and still being charged multiple overdraft fees I would like refunded. They call it " peace of mind '', but if they dont do what their text and email specifically states what kind of " peace of mind '' is that?? I just want my account rectified by having fees rebated as email to me on XX/XX/2021 at XXXX said I would be.
Product: Debt collection

XXXX is using a debt collector called XXXX XXXX. They are harassing my wife, parents, and work with phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is stating that i had a late payment when i did not i tried to explain to them that they must have mistake with their system and that i always made my payments on time and my bank even stated to me that the payment was taken from my account in time and that it was not their fault. this company has refused to fix the situation even after numerous attempts. This is a violation of the FCRA all information must be truthful and accurate at all times and if not then this company can face possible fines and penalties in which i will seek for all of the complications i have had to go through to fix this problem they must show proof that it was my fault that the payment was ever late i paid them on time and they took the money but still put a negative remark on my credit which has impacted me negatively which is against the law. They state that my payment was late XXXX XXXX in which it could of very well been a problem with their systems due to corona related issues in once again you cant penalize a person if something happens because of a National Disaster.
Product: Checking or savings account

I setup bill payments through my USAA checking account. I forgot to transfer the money in from my linked XXXX Checking account causing the funds to not be in the account when USAA attempted to create the bill payments. This was my error, however, at my other banks ( XXXX, XXXX, XXXX ), when you create a bill payment and the funds are n't in the account, the bill payment simply fails, and you get an email or notification that " Your bill payment for XXXX merchant for $ XXXX failed ; transfer funds and reinitiate the transaction ''. At USAA however, when this occurred, the bank charged me {$29.00} insufficient funds fee, 5x for the different bills I had setup. I had no idea that this was occurring this week until I logged in today and noticed my balance. When I called to speak to a representative, they told me that USAA uses a 3rd party servicer to send out these bill payments and these are not checks that are SENT by USAA but rather, the third party servicer creates a draft and deducts the consumer 's account to create the bill payment -- essentially, the customer is creating a check/ACH to be drawn from their account. There is no disclaimer that this is what they are doing in your mobile app or online. There is no notification that they use a third party servicer. And moreover, this works so differently than other banks, that a normal consumer has no way of anticipating this, as every other bank simply fails the bill payment. Now granted, I should have transferred the funds into my USAA account but normally, when I send bill payments out, something like this would just be a minor nuisance for me to have to go in and redo the transaction after transferring money. I did not write a check or ACH to a merchant and tell them to draft my account, I did not use my debit card at a store knowing I did n't have funds. All of these are valid reasons to charge fees but in this scenario, a customer has NO WAY OF KNOWING that USAA is n't just taking money of their account and sending it or will get a fee.