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

To Whom It May Concern : This complaint is in reference to the request to remove the 30-day delinquent marker reporting to this closed CHASE account. As communicated via phone to CHASE Rep AGENT XXXX XXXX  I have personally been affected by the FEMA Declared Texas Severe Winter Storm ( XXXX ) in XXXX and continuing that had rolling power outages and frigid winter temperatures. I personally lost power and shelter for several days and literally didnt even have heat or power to cook food and this placed a significant inability to make my past due payment that was due in XXXX. I literally had no power. Phone battery was dead and laptop as well. For added convenience Im adding the FEMA links here for your view. This was declared an Emergency Declaration by President Joseph R. Biden on XX/XX/2021. 

FEMA : XXXX : XXXX ; XXXX : XXXX I was under COVID-19 Payment assistance that per Chase ended on XX/XX/2021 per the email I received from Chase on Wednesday, XX/XX/2021 @ XXXX XXXX XXXX. on XX/XX/XXXX - CHASE reported a delinquency ( 30 days LATE ) notice to XXXX XXXX XXXX despite this unprecedented natural disaster and state of emergency. 

Lastly, please note now that my power is back and back at home, I made two in good faith payments to get the account current starting on Thursday, XX/XX/XXXX for {$120.00} and {$110.00} on Friday, XX/XX/XXXX totaling {$230.00}. 

As you can easily find by published media outlets this storm disaster was truly unprecedented and displaced millions of people leading to no power or heat. Some even died and were found frozen in their homes. I kindly plead with you to please do the ethically correct action and remove any delinquency markers for the month of XXXX or XXXX given this truly historic & unprecedented situation. 

I have since gotten my account completely current. I eagerly await response from CHASE Cardmember services confirming that any delinquency and negative reporting related my previous past due amount is removed in accordance with the FCBA and due to this FEMA & US President Declared Winter Storm disaster ( XXXX ) that AFFECTED my ability to make payments since I had NO POWER. Please take the ethically correct action. 

I eagerly await a swift written response to this situation.
Product: Credit card or prepaid card

On XX/XX/XXXX I called the customer service dept at XXXX 's XXXX XXXX and requested a refund check of an overpayment made on my 2 accounts. They agreed there was an overpayment and they will expedite the refund process and it should be processed within 10-14 days. Today, 60 days post request, I do not have a refund check. The following actions were taken. 
Called- XX/XX/XXXX and was told the refund check has not been processed and I will have to wait again 10-14 days. 
Called -XX/XX/XXXX spoke with a supervisor who explained it was the holidays and it would take longer then usual but to call back again in 7-10 days. 
Called- XX/XX/XXXX and spoke to another supervisor who said the refund check was processed on XX/XX/XXXX and to expect the check in 7-10 days. 
Called- spoke to a supervisor XXXX on XX/XX/XXXX and who stated it was still in process and has not been mailed to my home. Each time I have asked for another number, department or higher management which was always denied by the supervisor of customer service. 
Called- XX/XX/XXXX supervisor ( XXXX ) had told me that the check was mailed on XX/XX/XXXX and I should see the check within 7-10 days. 
Called- XX/XX/XXXX and told them I have not received a refund check and to ensure it was mailed on XX/XX/XXXX. It was confirmed it was mailed on XX/XX/XXXX. 
Called- XX/XX/XXXX and again spoke with supervisor and told them I have not received a check. The supervisor XXXX said she would escalate it again and for me to wait 72 hours before I call again. 
Called- XX/XX/XXXX and spoke with XXXX who stated there was a problem and that the check was NEVER processed nor was it NEVER mailed to my home. The previous notes were untrue and she was going to escalate it again to Maintenance Dept for solution. 
At this time I submitted a XXXX XXXX XXXX complaint. Also, I went on to social media to find someone in higher management. I demanded a call back within 24 hours from the manager XXXX in the Maintenance Dept with a solution. The supervisor XXXX replied with " there was not a guarantee of timely response and I should call the customer service number myself. '' Today XX/XX/XXXX, still waiting for a response and solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX bank to open XXXX savings accounts for my children. They ran a hard inquiry on my credit. I didnt apply for any kind of credit services only to open savings accounts for my children. Ive contacted them multiple times and they say theyre addressing the problem. They have not. On multiple occasions theyve just hung up while I was waiting to speak to a manager. Happened again just now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charged off card with Capital One. They offered me to settle for an amount and I accepted. They are still reporting the card as charged off and with a balance. On their email it stated this Credit Reporting of Your Settled Account. If were reporting your account to the credit bureaus and you settle your account for less than the full balance, well update the account reporting to paid in full for less than the full balance. They did not do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following hard inquiries. 

Date Company Address XX/XX/2019 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/2019 XXXX XXXX  XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit card or prepaid card

On or about XX/XX/2020, I requested that money which been refunded into my CITI credit card account by an airline for refunded airline tickets. be transferred to my XXXX checking account. Between XX/XX/2020 and XX/XX/2020, I contacted CITi regularly through its " Chat '' system. 

During various times, I sought to contact CITI via phone. The wait times were so long that I gave up. Indeed, my wait time on one " chat '' lasted in excess of 35 minutes. all wait times were excused because of the virus. My phone even disconnected twice. The waits were so long my APP on my phone closed.

So I resorted to the " chats ''. All of these chats remain a part of my record. Interestingly enough CITI does not provide anyway to download these records, so if you want them I can send you screenshots that are quite extensive.
During each of these " chats '' I was told that I would have to wait 3-5 or 2-3 business days for the money to be transferred. This continued to be the case long after 3-5 days had passed. During this time I was also told it was " federal banking regulations '' that caused the delay. I asked for the regulations. I was told they didn't have them and to call CITI. 
Then after several tries on XX/XX/2020 the CITI 'chat person ' told me there had been an error and that I needed to fill out another form. I did. 
Then I called on XX/XX/2020 and waited again BUT I finally got a supervisor. He gave me a confirmation number and a time the transfer was initiated and that it would be 3-5 business days before  my bank XXXX XXXX  got the money. I told him I wasn't satisfied. He offered me {$10.00} so I countered with {$100.00}. He couldn't go any higher than {$20.00} so I took it. 
I remain completely dissatisfied. If I was 15 days late on my payment to them of {$13000.00} I would have owed over {$100.00} in interest. In addition, the failure to be able to print/save their web chats, the failure to provide a human being to talk to, the failure to provide an email address for complaints on their web page, their improperly blaming the federal government and other equally serious concerns give rise to this complaint. 
Further, I have sought the assistance of my Senator XXXX and that of Senator XXXX XXXX. If they are treating me this way it is clear they are mistreating an entire swath of the American XXXX.
Product: Debt collection

I sent a letter to Williams & Fudge Inc about a collection on my credit report on XXXX. The company received the letter on XXXX and have failed to validate the debt in the 30 day time frame or mark the debt as disputed so i sent the company a second letter on XXXX which they signed for on XXXX. I have still not received any response to either of my letters and the account has not been updated to the disputed status.
Product: Student loan

I have set up and re-set up auto pay through Nelnet at least a dozen times and my payments never get accepted. I believe I'm being given late fees because their system is unable to handle auto-pay. I have autopay set up on my private loan through XXXX XXXX XXXX and have had no issues in two years. I always have enough money in my checking account for it to be taken out. 

This is essentially the communication they've sent every time I've tried to set up or re setup auto-pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  From Nelnet : First I get this : XXXX XXXX XXXX XXXX XXXX Your new repayment plan has been approved and applied to your account, changing your regular monthly payment amount and payment schedule. 

Then I get this : Action Needed : Your previous payment could not be processed. Please submit a new payment or apply for assistance to bring your account up to date. 
XXXX XXXX XXXXXXXX Dear XXXX, Your recent payment of {$100.00} could not be processed because your financial institution was unable to process the transaction. Your Nelnet account may be past due as a result. If this returned payment previously paid your loan in full, your loan may still have an active balance. Please verify your account information with your financial institution to ensure future payments can be processed, and resubmit your payment at soon as possible.
Product: Debt collection

I had a car that was purchased with my XXXX  husband and when we got divorced he stole the car and hid it. I assisted the authorities with the recovery and now it is showing up on my credit report with twice for the incorrect amount. They resold the vehicle but are attempting to collect the entire amount ( twice ). I have tried to fix the issue with them but i have two collections on my report for the same amount instead.
Product: Money transfer, virtual currency, or money service

There is multiple transactions from cash app totaling {$1700.00}. I reported these transactions as unauthorized to the company Cashapp in time. The company then gave me a bunch of excuses in writing, that I cant do anything about it. Their support is less than helpful. I tried to dispute through my bank, but my bank is saying, I have to dispute through cash app due to the terms and conditions agreed upon when signing up through Cashapp. The bank and cash app are in violation of EFTA. My recent contact with cash app, they told me to contact my bank since I already filed the claim. My bank has already denied the claim as failed to send-mail correspondence on the claim. I suspect the bank and cash app are colluding against customers. Cash app refused to file a claim being that I already have a existing claim through my bank, even though that claim has been decided upon against me illegally according to regulation E. The bank and Cashapp are violating the consumer protection laws and are being arrogant and disrespectful about it.
Product: Mortgage

My husband and I have been trying to refinance our VA loan. Chase was our lender. Chase sold our mortgage to XXXX XXXX in XX/XX/2020 on our house.Our new mortgage broker from XXXX XXXX XXXX XXXX XXXX and our title company XXXX XXXX found two liens on our house through a credit check. One is a mistake. We do not have two liens on our house.XXXX. XXXX was notified and Chase as well. Apparently it is showing that Chase had original lien and were the ones that added that second lien by mistake.My broker and I have been dealing with Chase for two weeks now. They say they are not my mortgage lender anymore and have researched this problem and that they are not the problem and that We need to talk  to XXXX XXXX about this because they are our current lender. Chase is not releasing the second lien that was filed in their error. This second lien needs to be removed before we can get this refinance done with XXXX XXXX XXXX. We are loosing money due to Chases negligence. We have called several times and get no where. I keep asking for a supervisor but all they say is that they can email one and they can get back to us within 24 hours and that there is no phone number to call talk to a supervisor higher than the one I talked to. She just gave me the Chase number and said that if I called that again that they'd tell me the same thing that she is telling me. Today I even told them that I wanted to file a formal complaint. She said that  they have already researched this and they can't do anything else for us. Wouldn't even take my complaint. We need this resolved and Chase is being very uncooperative. Our new mortgage broker told us to file this complaint so this can get resolved. as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled my credit card with XXXX XXXX XXXX over the phone the first week of X/2017 and paid the last payment of {$8.00} on X/XX/2017 because I no longer needed to pay a monthly fee for a substandard {$2500.00} limit credit card since my credit score was over XXXX and I have several other no-fee cards with limits over XXXX.. At the time I assumed that the operator I spoke with did their job and no further interaction was needed, and had received no further contact or statements from them after that last payment was made ... ... A few months later in XX/XX/XXXX I went to check on my credit score and found that it was XXXX so I investigated and found out that XXXX XXXX had not closed my account and instead had kept charging me monthly fees on top of late fees for those fees and had been reporting this information to the top 3 reporting agencies without even contacting me to resolve the problem, so I immediately went to their website to get all the attached documents and contacted them XXXX XXXX/2017 and explained the situation to about 5 different people who did n't speak good english over the course of 5 hours and after threat of a lawsuit was finally was able to get the charges removed and once and for all cancel the card ... However they are still reporting this as a delinquent account for the roughly 3 months in between and claim that they have no control over reporting thatinformation ... I have also disputed this with the 3 major credit reporting agencies and it is still not getting corrected properly ... I take great pride in my credit score and payment history and neither  should suffer due to their incompetence ...
Product: Mortgage

SXXXX XXXX XXXXXXXX TO GIVE ME AN ADDRESS WHERE TO SEND MY HURRICANE INSURANCE PROCEEDS CHECK -FOR DAMAGES TO REPAIR MY HOME, I called XXXX XX/XX/year> XXXX. to get an address where to send priority mail my insurance proceeds check in the amount of {$12000.00}. I was told the claims dept is closed today, you can call them back on XXXX  to confirm information at XXXX. I called this am XX/XX/year> spoke with rather rude employee XXXX whom refused any sort of ID XXXX  just said XXXX office. I asked for a physical mailing address to send my insurance proceed check She ***REFUSED*** to give me the address TO MAIL IN THE XXXX! ON A RECORDED LINE. SHE REFUSED MULTIPLE TIMES. Asked me to call back in 3 days? For what? She had a fake phone # listed for me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND PUT IN A FAKE #. I had her correct the phone # XXXX. I asked for manager/supv. She put her friend I presume on the line, XXXX a resolution team person ( also another person who said nXXXX XXXX XXXX  XXXX worked in XXXX. He also REFUESD TO GIVE ME AN ADDRESS send in my Hurricane insurance damage XXXX. I asked him why? Ive never heard of such XXXX There is no department that handles insurance losses at this XXXX XXXX your staff is RUDE AND UNACCEPTABLE. He stated he had to send some request somewhere to do something XXXX nothing else he could do, but tell me call back in 3 days. SHAME on you for treating the XXXX XXXX XXXX I will also forward a copy of this complaint to XXXX. Attorney General and your CEO. I STILL HAVE NO RESOLVE, NO PLACE TO SEND INSURANCE CHECK AND CAN NOT FIX MY HOME! I WILL RETAIN AN ATTORNEY IF NECESSARY AS OBVIOUSLY YOU ARE ONLY GOOD AT CUTTING AND PASTING YOUR REBUTTALS AND NOT GOOD AT READING WHAT THE ISSUE IS TO RESOLVE IT. The XXXX CO IS ISSUING ME ANOTHER XXXX IN MY NAME ONLY SO i CAN GET THE REPAIR DONE. YOU PEOPLE ARE THE WORST TO DEAL WITH TRANFER MY LOAN ALREADY
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I made a purchase of 4 cans of XXXX spray through XXXX. It directed me to a website. After my purchase I received the information from Paypal that I had paid {$20.00}. The transaction ID XXXX ... Purchase date XX/XX/2020 Payment to : XXXX Invoice ID : XXXX Merchant Transaction ID : XXXX Item XXXX XXXX   XXXX XXXX XXXX XXXX XXXX ID number : XXXX Says this transaction will appear on my statement as PAYPAL XXXX XXXX Now the phone number they supplied is disconnected. Email : XXXX Phone Number:XXXX Paypal allows scam artist all the time
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been sent three different letters about verifying a specific account which is XXXX XXXX of XXXX XXXX. This account is in collections but the creditor is showing with a balance. They have failed to correct it or validate the debt and ive sent 3 seperate correspondences. They have not sent any paperwork showing proof of the debt.I want it deleted now, this is a violation I sent correpondence XX/XX/XXXX & XX/XX/XXXX and received no proof or change on my report, creditor and collector should not both show a balace
Product: Credit card or prepaid card

This complaint is in regards to denied Price Match Benefits offered by CitiBank to its Credit Card customers. On XX/XX/XXXX, I was denied the Price Match Benefit that I believe should have applied to 3 electronic items that I purchased on XX/XX/XXXX with my Citi Double Cash MasterCard. I purchased each of the three items ( XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX ) at {$240.00} plus tax at XXXX. The price that XXXX published and advertised on their own website two days later was {$150.00}, which is {$97.00} lower than my purchased price per item. As per the Terms and Conditions of the Citi Price Rewind Benefit, in order for this benefit to apply, a customer must provide to Citi a proof of a lower price, which " must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. '' On XX/XX/XXXX, I promptly submitted to Citi in an email a proof of the published price on XXXX 's own website, XXXX, of this same item advertised at {$150.00}. In addition, I also submitted the XXXX XXXX Form along with all the other required supplemental materials. I received a case number and subsequently my claims were denied. The reason cited for the denial of these 3 claims ( Claim Numbers : XXXX, XXXX, XXXX ) was : " Ad not sufficient. Your claim is denied because per the Terms and Conditions, the lower price must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. The item you reported was not advertised at a lower price through one of these methods. Thus, the item is not eligible for reimbursement. '' Clearly, Citi is trying to avoid satisfying their own promised benefits, which is a big disappointment to me as a long-time loyal customer. I hope that with the help of CFPB, Citi will make this right with me. Attaching all submitted materials plus the denial letters. <P/>Thank you for your attention to this matter!
Product: Debt collection

I have submitted a request to the credit reporting agency Equifax disputing the medical collection account and have made several calls to XXXX collections requesting they forward information on the debt they claim I owe since XXXX XXXX. I have not been successful on correcting the issue and resulting on negative effects on my credit report.