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

I overdrafted the account because a merchant who said they would post a day later posted a day earlier than they indicated ( it was the {$7.00} transaction ). I want to get the overdraft fee refunded. Additionally, I am entitled to 3 refunds by chase a year and didn't reach that so I don't know why I can't get the fee refunded.
Product: Credit card or prepaid card

Chase Bank sent a letter dated XX/XX/XXXX Reference number XXXX concerning an XXXX XXXX XXXX account requesting proof of current physical address ( bill, gov ID ) I went into a Chase Bank in XXXX XX/XX/XXXX and they faxed a copy of my Texas drivers license. He said check with them in 3 or 4 hours and they would help me out. On XX/XX/XXXX I  called and they said it would take up to 14 days to get it in the system. 
They have not denied credit just delayed the application. 
The letter has if I do not respond within 14 days they will no longer consider my application.
Product: Credit reporting or other personal consumer reports

Upon reviewing my whole credit report I noticed that XXXX has pulled XXXX heart inquiries on XX/XX/24 and XX/XX/24. These XXXX poles were XXXX days apart and I did not authorize XXXX to submit hard inquiries on my report. The XXXX inquiries are fraudulent and do not belong to me. I have not received anything from XXXX nor have i inquired.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Subject : Request for Immediate Removal of Fraudulent Account [ XXXX ] I am writing to formally request the immediate removal of fraudulent account from my credit report. The account in question is with XXXX XXXX XXXX XXXX, bearing the account numbers- [ XXXX ]. I have included a Federal Trade Commission ( FTC ) Identity Theft Report that documents the fraud Also a IC3 referral. form Pursuant to the Gramm-Leach-Bliley Act and 15 USC 6802, it is your obligation to ensure the privacy and accuracy of my personal financial information. Maintaining this fraudulent account on my credit report is a clear violation of these statutes and causes undue harm to my credit standing. ( MY FTC REPORT NUMBER IS XXXX ) Please confirm in writing that this account has been removed and provide me with an updated copy of my credit report. If this matter is not resolved promptly, I will have no choice but to escalate this issue further.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and found some accounts with incorrect, inaccurate & unverifiable information on my credit report. This has caused many hardships for me and my family. I sent certified mail to each account listed and none responded to me. I asked this company to investigate and it appears that NO proper investigation has been done. They DID NOT provide me with any documentation to verify the information of these incorrect, inaccurate & unverifiable accounts. They are clearly violating my rights.
Product: Payday loan, title loan, or personal loan

Thank you for your correspondence which was forwarded to the FDIC by the Office of the Comptroller of the Currency ( OCC ). You indicated MoneyLion drafted checks out of your XXXX XXXX XXXX account causing overdrafts. You further stated MoneyLion owes you {$280.00} and refuses to return the funds and allow you to close the account.. Moneylion also states they dont have a account in my name yet report to my credit file monthly
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received a scam call from a person who was impersonating an ICE ( U.S Immigration and XXXX XXXX ) officer, and I was fooled by this voicephising. So I had to make a money transfer of {$1900.00} from my Bank of America saving account to a person named XXXX at XXXX. He was planning to steal a total of {$3400.00}. He told me to send {$1900.00} first, so I sent him. He told me to send another {$1500.00} and I tried to, but due to the withdrawal limit of my saving account, it failed. He told me to try {$1400.00} then, but it failed again due to the withdrawal limit. At that moment, I realized that this is a scam trying to steal my money. So I immediately stopped making the second payment. I tried to cancel the first money transfer of {$1900.00}, but I couldn't reach to the bank due to high volume of customer service calls.
Product: Debt collection

I received the debt collector letter by mail from Kohn Law Firm, SC on XX/XX/2022 or XX/XX/2022. We have not had the chance to reach out to them to square this away, when my landlord informed me one of the attorneys in this firm reached out to him asking to confirm if I lived at my address. They requested confidential and personal information from someone other than myself. This is illegal in the state of XXXX, and I am reporting them. I will reach out to square away this issue with the debt, but they should be reprimanded for reaching out to my landlord. I am in good standing with him, and this SERIOUSLY disturbs that good standing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I been back and forth with Experian over many inaccurate information on my report their investigation says it accurate when i call the creditor most cant even verify the information due to being over 7 yrs of age Experian keeps reporting inaccurate information causing financial hardship on me this compliant is my last attempts to have this correct without proceeding with legal actions against Experian and the creditors for hardship damage
Product: Checking or savings account

President - i opened citibank checking XXXX and savings XXXX on XX/XX/2022 i transferred too both less then {$37000.00}, {$35000.00} to the savings and {$2500.00} to the checking. i received there debit card mc XXXX and activated it. both accounts last night were blocked and today they said they couldnt speak to me any further but before that said the accounts were closed and it will take 12 weeks at five business days per week to receive the funds of simply 60 business days. besides that i made a decision and closed my XXXX ( XXXX ), XXXX ( XXXX ) and XXXX XXXX ( XXXX ) accounts this week and loved the thought that im not a part of them any longer and good riddance. all three got notarized letters by usps certified mail this week and look forward to never doing business with them ever again. since they dont have my money any longer. im glad they dont. ill will be more then ecstatic next week when all three are official. i think i still have a chime account ( XXXX ) it has money in it and i sent my direct deposits from ssdi to it. do this now. signed president of the XXXX XXXX XXXX XX/XX/2022 XXXX est.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been attempting to unsuccessfully get the following negative items deleted from my credit report as I believe them to have been added to my credit report not in compliance with current Consumer Protection laws XXXX XXXX XXXXccount included in bankruptcy reported on XXXX Chapter XXXX bankruptcy filing on XXXX, Transunion and XXXX
Product: Credit card or prepaid card

Dear Capital One, XX/XX/23 I am writing to formally dispute a charge on my credit card statement related to a purchase from XXXX. I am requesting that the charge be reversed due to misleading information, failure to honor their stated return policy, ongoing difficulties in completing the cancellation request, and technical difficulties encountered during the return process. 
On XX/XX/23, I purchased XXXX concert tickets from XXXX for an event. Their website clearly stated that the tickets were returnable up to 3 days before the event date. However, circumstances changed, and I needed to buy an additional ticket while ensuring that all three tickets were in the same section. To achieve this, I returned the original XXXX tickets and placed a new order for XXXX tickets on XX/XX/23. 
Despite adhering to XXXX 's return policy, I did not receive a refund for the original XXXX tickets. Instead, XXXX offered me a promo code to use at a later date on their website. This resolution is unsatisfactory for several reasons. Firstly, I already met the terms of their return policy by placing a new order for XXXX tickets, effectively using the amount from the original order towards the new one. Secondly, I have no use for the extra XXXX concert tickets and do not wish to engage in the business of selling tickets. Lastly, I have no intention of making future purchases through XXXX, rendering a credit on their website worthless to me. 
Furthermore, I encountered technical difficulties while attempting to complete the return process, which resulted in the return not going through as expected. Despite reaching out to SeatGeek.com for assistance, I was informed that they were not obligated to refund my tickets, even though I made a genuine effort to return them within the specified timeframe. 
These circumstances have caused me significant frustration, financial loss, and wasted time. I trusted XXXX 's advertised return policy and acted in good faith, only to be denied the refund I am entitled to and faced with ongoing obstacles in completing the cancellation request. 

I have made multiple attempts to resolve this issue directly with XXXX, but they have been unresponsive and uncooperative. Therefore, I am seeking your assistance in resolving this dispute. I firmly believe that the charge for the returned tickets should be reversed, given the misleading information, the failure to honor their return policy, the technical difficulties encountered, and the ongoing difficulties in completing the cancellation request.
Product: Mortgage

Ocwen Loan Services states you are the back trust to a loan and the lender of investors. 
Ocwen has filed for foreclosure on the property using you as the backtrust linking XXXX a company I have not done business with since XX/XX/XXXX. The loan was sold to XXXX XXXX who was seized by the federal government. 

1. I am needing proof that you are the lender of the property as Ocwen is based in XXXX the foreclosure laws states they must show standing. They sent a transfer dated XX/XX/XXXX with C/O XXXX XXXX XXXX XXXX XXXX, As Trustee For Home Equity Mortgage Loan Asset-Backed Trust Series XXXX XXXX, Home Equity Mortgage Loan Asset-Backed Certificates Series XXXX XXXX. Their mailing address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and telephone number is ( XXXX ) XXXX Now it seems as Ocwen is trying to collect off of an old company XXXX which is illegal due to they are not the original lender of the loan and it has been sold so many times per mers. I am needing you to show proof since the services keeps referring back to you as the investor/lender before you can foreclose on the property. You are not listed in any documents I have, nor are you listed in real property. 

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

I have a Chase Card issued to me by Chase Bank. The account is currently closed with a balance. Due to job layoff, I enrolled the card in a special payment program, which gives the card a fixed rate with a fixed monthly payment so it can be paid off faster. 

I have done this with 2-3 other creditors, and they were also successful in reducing my rate and payment. 

However, with this particular Chase account, Chase is reporting that I am under a " partial payment agreement ''. That is what the remark states on the account on my credit reports. 

This comment is incorrect, and is halting my mortgage process. My attorney and mortgage lender state this is an inaccurate comment, the account is still being paid in full with the balance I had remaining on the account. The reduction in interest rate would obviously lead to a lower monthly payment. The reduction in interest rate does not suffice to be labeled as " paying under a partial payment agreement '' Other creditors I have done a similar program with, have not reported any sort of comment on my credit report. 

Chase has been the only creditor that have reported the comment. 

This is halting my mortgage process, this needs to resolved or my next course of action would be to have my attorney reaching out to Chase regarding the ambiguous comment on the account listed on my credit reports. This is also causing damages to me financially as I am not able to obtain a mortgage note. 

I have attached reference of how the account looks on my credit report with the stated remarks I have mentioned.
Product: Mortgage

My services is Rushmore Loan Management, I applied for forbearance or assistance as it was the second time Ive had XXXX. They approve it, but then have me fill out applications that are very lengthy and theyve also increased my payments significantly. Why is my payment increasing if the balance is added to the end, it doesnt make sense to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company report me late during Covid-19 and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with long XXXX
Product: Credit card or prepaid card

Initially, I contacted the prepaid debit card company Chime, on XX/XX/2022, via email for unauthorized debits that were drawn from my account. I received my direct deposit every two weeks into my Chime account and Chime acts as my financial institution that failed to honor my request for revoked authorization that was made prior to XX/XX/2022, via the Chime Bot. Chime was contacted via email and advised that there were 5 unauthorized transaction that occur on XX/XX/XXXX. 2022 by XXXX or it may appear as XXXX XXXX, I advise Chime that the merchant no longer had the authorization to debit my account. Yet on XX/XX/2022 after all efforts on my end to ensure that an unauthorized debit doesn't occur. XXXX XXXX XXXX XXXX was able to debit my account 3 times for XXXX then started to take random amounts of XXXX and XXXX which cause my account to go into overdraft status. I contact Chime yet again to advise that the merchant no longer had the authorization to draft my account. I spoke with several representatives who advised that the merchant will no longer be able to draw from my account. Yet on XX/XX/2022, another transaction occur from XXXX XXXX after speaking with Chime representatives to revoke authorization. They should not have been able to draft my account and do not have any authorization to debit my account. Any transaction that is honored, is without my consent. The debits continue to occur although Chime has been contacted several times via phone and email and advised as my financial institution not to honor any transaction from the XXXX XXXX XXXX. The debits continue to occur although I have received a new debit card, I revoked authorization. My request is not being honored as a result I am being forced to pay for transactions that show not be drawn from my account. This matter has caused hardship by allowing an unauthorized transaction to continue to be honored. Another attempt to debit my account occur this month in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX responded to complaint XXXX regarding obtaining and sharing my information. XXXX did not and does not have my express written consent to even begin to obtain any of my information, let alone share it. 

XXXX shall provide documentary evidence of consent I have given to them or permissible purpose to obtain or share any consumer information regarding myself. 

XXXX shall provide documentary evidence of consent I have given to CAPITAL ONE to furnish any consumer information regarding myself to XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Accounts Due to Data Breach Dear Equifax Dispute Resolution Team, I am writing to formally request the blocking and deletion of certain accounts from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protections for victims of identity theft. As a victim of the recent data breach, I have reason to believe that the following accounts were fraudulently created or have been impacted by unauthorized use of my personal information.

Please take immediate action to block and delete the following accounts from my credit report : Collections Accounts : XXXX XXXX Balance : {$3000.00} Original Creditor : XXXX XXXX Status : Placed for Collection Removal Date : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX : {$230.00} Original Creditor : XXXX XXXX  Status : Placed for Collection Removal Date : XXXX XXXX XXXX XXXX  Balance : {$400.00} Original Creditor : XXXX Status : Placed for Collection Removal Date : XXXX/2031 XXXXXXXX XXXX XXXXXXXX Balance : {$2400.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX 
Status : Placed for Collection Removal Date : XXXX/2030 Online Information Services Balance : {$310.00} Original Creditor : XXXX XXXX XXXX. 
Status : Placed for Collection Removal Date : XXXXXXXX Charge-Offs : XXXXXXXX XXXX  Balance : {$0.00} ( was {$2400.00} ) Status : Sold ; was in Collection Removal Date XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am providing the following documentation to support my claim : A copy of my government-issued ID ( e.g., driver 's license or passport ) A copy of my Social Security card A copy of a police report or FTC Identity Theft Report I request that you complete this investigation promptly and notify me of the outcome. If additional documentation or information is required, please contact me at the information provided below. 
I appreciate your prompt attention to this matter and look forward to confirmation that these accounts have been blocked and deleted from my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied a loan with Big Picture Loan of {$1000.00} with the company and was approved on XX/XX/2018. When I discovered that the company applied a 183 % interest rate to the Loan I called them to cancel and reverse the Loan payout from my bank account. I spoke with an employee named XXXX on a recorded line, and was told to allow 2 business days for the amount to be reversed. On XX/XX/XXXX I reached out to the company, spoke with XXXX and was told my bank declined the transaction which I know is not true. We had 3 way call myself, my bank representative and XXXX an employee of Big Picture Loan company and the bank confirmed that they have the correct acct information to debit my acct and also stated that no attempt was made by Big Picture Loan to take out the cash neither was any transaction declined. I called big Picture Loan severally to get the matter resolved but they kept telling me their support dept will look into it and get back to me, which they never did.Rather they sent me an email that my first repayment is due by XX/XX/2018 even when it was obvious that they are using a delay tactic. I called Big Picture Loan on XX/XX/2018 to make the payment with their customer service which they declined..
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Reporting Agency, Experian, did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies, which is a direct violation of the Fair Credit Reporting Act.

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The investigation did not verify the accuracy and completeness of the accounts. Experian violated the law and failed to provide the required information in their initial response on, XXXX

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 3 ) ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered a copy of my credit report and the bad score that I had thought was due to not having I established credit I found out was due to Numerous things on my credit report that was not me. There are six visits  to the emergency room in XXXX on my report I have not been to the emergency room since I lived in XXXX in 2009 I had a baby thats the last visit Ive ever had to the emergency room. Also there is something on there from XXXX XXXX I have never had cable from XXXX the last time I had cable television was in XXXX XXXX Im in the midst of trying to make a police report and get this handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that XXXX, EQUIFAX and XXXX are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. Please remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Debt collection

I had made an agreement with Bank of America on XX/XX/2020 for the amount of {$850.00} on a debt of {$1800.00}. When trying to make this payment of {$850.00} on XX/XX/2020 and my card kept getting decline. I have no idea why this happen when there was enough funds in my account to cover the {$850.00}. Bank of America now is asking for more money in the amount of {$1100.00}. This is their mistake so why am I having to pay more money on an agreement we already settle on? 

Is this their policy to make a agreement then say my card was decline and tell me a few days later I owe more money? I feel lied to and feel that I'm bein scam out of money.
Product: Mortgage

I submitted a package to Capital One for foreclosure alternatives on XXXX/XXXX/2016 and continued to fax documents that were being requested. At several times, my file was in review and on XXXX/XXXX/2016 I was asked to re-fax certain documents that they claim were not received. I faxed those documents that same day and today when following up, I am informed that my file has been closed and they will not review me for another modification and will be proceeding with the sale in 13 days.