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

Dear Chase Card Services, I am writing this letter to express my deep disappointment and upset regarding the way my situation has been handled by your organization. As a long-standing customer who has faithfully maintained an account with Chase since XX/XX/XXXX, I expected to receive better treatment when faced with an unforeseen circumstance. 
On XX/XX/XXXX, I was unfortunately diagnosed with XXXX, which resulted in a XXXX XXXX that rendered me unable to work and significantly impacted my financial stability. Given the circumstances, I reached out to Chase to communicate my situation and seek assistance in managing my account. However, I was met with actions that have left me deeply disheartened. 
Despite having maintained a stellar payment record over the course of nine years, it was demoralizing to experience how swiftly my account was closed, further exacerbating the challenges I was already facing. Additionally, the subsequent reporting of the account closure to my credit bureau has further damaged my chances of achieving any financial redemption. 
In an effort to rectify the situation and fulfill my responsibility, I promptly contacted Chase to discuss my XXXX hardship and arrange for a payment. I was relieved when a representative assisted me in enrolling in a hardship program, assuring me that it would not result in any further damage to my credit and would correct the status of the previous months. It is important to note that I did not request the reopening of the account ; my intention was solely to fulfill my obligations by settling the debt owed. 
Subsequently, I diligently fulfilled the requirements of the hardship program, making payments to catch up on the past due balance. I adhered to the agreed-upon payment schedule, with the payments being automatically withdrawn from my account as arranged. 
However, to my dismay, I have recently discovered that my credit report now reflects multiple delinquencies and an incorrect past due balance. The impact of these damaging entries can not be overstated, and it is disheartening to realize that Chase has chosen to kick someone when they are already down. As someone who had dedicated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can not adequately express the devastation I felt at being treated in such a callous manner during a time of personal vulnerability. 
I wish to emphasize that I followed the steps as instructed by Chase. I promptly communicated my hardship, fulfilled my financial obligations, and placed my trust in your organization to handle the situation fairly and responsibly. I had reason to believe that the monthly payment would persistently be deducted from my account, just as it had consistently occurred throughout my history, including the two most recent payments. Regrettably, my expectations were not met, and I find myself deeply let down by the actions taken by Chase.
Product: Debt collection

I noticed a fraudulent account on XXXX XXXX, and I did a dispute on XX/XX/year>. I received a phone call from a man saying he worked for Midland Credit Management, and he was asking for my current address which I did not give to him. Today XX/XX/year> a lady rang my doorbell and handed me a paper after reading it, it says has pretrial information to appear in court XX/XX/year>. I have reached out to multiple credit bureaus for assistance and I did a for on the FCT identity theft website and now I am seeking your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 inquiries on my credit report that do not belong to me I have not inquired for any of these I need these off my report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : EXPERIAN BUSINESS CRED Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry  Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry  Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX
Product: Mortgage

The mortgage company that has my home loan, Mr. Cooper, has been having issues with their online payments t processing. I have been using. This payment method for several years but within the past few month their online system has been having errors. The most recent was in XXXX when I tried to make my payment t but their system wouldnt process it. By the time their system was working it was the first of XXXX. I made my payment t and co tacked them about the system being down and requested them not to report my late payment t to my credit report. I found that Mr Cooper had misapplied my payment on my accounts and made my payment t amounts incorrect. I was told by their customer service that it would be corrected. Whe. I have made my most recent payment this month, I am finding that my XXXX payment is still misapplied and my insurance escrow is not correct. It shows a refund in which I never received. Ive contacted Mr Cooper to correct but can not get a response from their customer service.
Product: Vehicle loan or lease

XX/XX/2021 - I paid off the outstanding lease for a car. 
XX/XX/2021 - attempted to get a Title from XXXX XXXX to give to XXXX XXXX ( I borrowed money from this bank to pay off the lease ). Informed that title was still in name of Chase Bank. 
XX/XX/2021 - current day- have engaged in multiple inquiries with Chase Bank to get a XXXX. Initially employees did not want to help because my account was closed, but I persisted. The bank employees ( call center employees ) have given multiple excuses but nothing is being accomplished. I have requested the name, and address information of the department head to escalate this issue. Bank employees refuse to provide this information. 

In the meanwhile, XXXX XXXX is going to default on my loan because I do not have this information. 

I have a concern about how slow Chase bank is moving to resolve this issue. How difficult is it to get a Title/duplicate Title? This is Chase bank policy and procedure : To obtain a lien release, you can contact us through the Secure Message Center or by mail : Chase Auto XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX You can also call Customer Service at XXXX ; We accept operator relay calls. If youre deaf, hard of hearing, or have a speech XXXX, call XXXX for assistance. 
All requests should include the following information : your full name your loan account number, if available vehicle year, make and model Vehicle Identification Number ( VIN ) address where youd like us to send the lien release As per its policy...
Product: Mortgage

I would like to have Bank of America return the {$1000.00} early payoff fee that they charged my husband and I when we refinanced with another bank and closed out the HELOC loan with Bank of America on XX/XX/2016. We have had numerous calls with the branch manager and with the resolution department and have not had a logical response for the charge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I submitted a dispute for each account listed to be removed without discrimination the company has failed to conduct a proper investigation and provide me with proof all the accounts listed above are accurate no documents have been provided to verify these accounts are accurate and true the disputes were merely looked over and denied even after several companies have advised accounts were fraud. under the law, the credit reporting agency is violating my rights. 1501 U.S. Code 1666 ( b ) 1637 ( a ). 1501 U.S Code 1692 ( g ) 1692 ( c ). 15 U.S. Code 1681 ( e ) 1681 ( I )
Product: Credit card

I am writing to dispute unauthorized charges totaling {$850.00} on my AMERICAN EXPRESS account between XXXX XXXX XXXX. These transactions occurred while I was XXXX overseas between XXXX and XXXX, during which time I was a victim of identity theft and SIM swap fraud. 

I demand an immediate investigation into these fraudulent activities and request a prompt resolution to rectify this matter. Any associated fees or charges related to these fraudulent transactions must be waived without delay. 

I expect regular updates on the progress of the investigation and swift action to restore the integrity of my account. Failure to address this dispute satisfactorily will result in further legal action. 

I am the victim of identity theft. I am writing to dispute a fraudulent charge/debit on my account in the amount of {$850.00}. I am a victim of identity theft, and I did not make this charge/debit. I am requesting that the charge be removed/the debit reinstated, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed.
Product: Credit reporting or other personal consumer reports

Second, time I have made this complaint, I now also request to understand which methodology was used for this investigation and will be escalating this to the XXXX. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

I discovered some fraudulent activity in my transactions while filing my taxes. I filed the claim on or about XX/XX/2023 the claim included almost {$2500.00} in transactions that should not have been included. The claim was denied and so I called and went over the transactions with an operator and resubmitted the claim. The claim was denied 2 or 3 more times each time I had the same 2 hour call removing the transactions that didn't belong. This tells me that there is no investigation happening or the notes would have been read and seen the amount change and the transactions that had been removed but obviously that didn't happen and I know this because the correct transactions are cut and dry fraudulent and will not provide them with a reason to deny the claim. The denials were coming every 2 to 3 days and I find the speed of those investigations odd since they have had this resubmittal now since XX/XX/2023 and still claim to not have an answer. We are well past the 20 buisnesss days and I can't seem to reach anyone accept for operators that are in place to keep the customers from reaching anyone that can help. BofA no longer handles the XXXX accounts so I believe they are just stringing me along hoping I will just give up. This is not the WORLD CLASS SERVICE they claim at the start of every phone conversation I have filed complaint after complaint to no avail I have done all they asked of me I took it upon myself to fax over a couple things that an employee told me may help speed it up and faxed it at a branch of BofA only to have them say I didn't send them and they never received the fax. I then had to go to XXXX store and pay to have them faxed again so I would have a document showing it was received and copied it only took 8 days for them to add them to my claim finally. I didn't want to file this but they have left me no choice I believe they are not intending to pay my claim I don't believe there is an investigation happening at all since they are no longer with XXXX. After this I am going to either file a small claims suit or have a 3rd party arbitrator over see and rule on this issue I am positive that I am in right and simply want what is mine and no more! Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the company on XX/XX/2021. The company responded to my dispute on XX/XX/2021 but failed to mark my account as disputed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with Fair Credit Reporting Act XXXX Account Has violated My 15 u s c 1681 section 602 A states I have the right to privacy 15 u s c 1681 section 604 A section 2 It also state A customer reporting Agency Can not furnish Account Without my written is instructions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I lost my Capital One Platinum Mastercard Credit Card on XX/XX/XXXX. Theres fraudulent transactions and payments on my account in the amount of {$610.00}. The transactions and payments currently listed on my Capital One credit card account : XXXX is all fraudulent transactions and payments currently listed on my account. I have never used my Capital One Bank Platinum Mastercard Credit Card Account. Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have all my accounts in good standing, however the reporting does not look accurate therefore my Family and i we are stuck and can not embrace any growth opportunity. 
I need those BAD REPORT to be REMOVED
Product: Checking or savings account

I opened a business account with Venmo in XXXX of XXXX. Since then they have restricted my withdraws due to their inability to verify my account. Every time I work to verify my account I receive errors or their team stops responding to me. 

In XXXX of XXXX I submitted multiple tickets with their team, attempted to call them, and provided evidence. They won't give me access to my business account on the web and their app won't allow me to withdraw more than $ XXXX and often won't even allow that.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We are in the process of applying for a home mortgage. The mortgage lender pulled our credit on XX/XX/19 and TransUnion came back as frozen. I did freeze it right after the XXXX  breach but unfroze it last year when moving to apply for an apartment. 

On XX/XX/19 I got on their site, clicked the unfreeze option and get an error saying there's an issue and to call. So I go thru their automated system to unfreeze and the automated system says it's not frozen. I got a representative of the line who tells me it isn't frozen but there is a technical problem with the account on their side. She said she was submitting a ticket and it'd be resolved in 24 hours. 

The mortgage broker calls again last night ( XX/XX/19 ) and says it's still coming back frozen. So again I call. And again they say it isn't frozen but they'll submit another ticket. 

So my husband calls and escalates since this issue is actually occurring with both our credit accounts. He is told there's nothing they can do. That we should tell our mortgage broker our score can be verified over the phone with a number brokers have and she'll have to do it that way. 

And that's literally as much as we can get from them. They refuse to send letters stating everything isn't frozen, they refuse to explain what about their " system issue, '' is and when it'll be resolved, and they say there's nothing they can do because it's not frozen. 

At this point, we're at a loss. We've given the info to the mortgage broker but given how many times in this process our credit will likely be pulled this is a bit ridiculous. Are we always going to have this issue? Where can we turn for a resolution?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to an inaccurate Account on my consumer report. It has been well over 60 days and I haven't received any investigation results.
Product: Mortgage

Loss : {$200000.00} as of XXXX XXXX XXXX XXXX : Depositing bank NFCU : Receiving bank HELOC # XXXX Limit {$100000.00} I believe I should not be the responsible party Due to this matter my home is being sent for foreclosure I was contacted online by someone I thought I had been in contact with before. He wanted to take me on a vacation. Said he would pay for it. He said he would deposit into my HELOC account and I was to withdraw and send to whom he wanted me to for our reservations and vacation needs. It was his money so I did as he said. 
His accountant paid off my credit cards and began depositing into the HELOC. I used the NFCU mobile app to keep track of my HELOC account. I checked almost daily. I would see big deposits going in before balance was low. 
One day the mobile app showed I needed to come into branch. I could not access my accounts.

When confronted I was told that I had been scammed! I had not sent any of my own money to anyone. They told me that all of the ACH wired deposits had RETROACTIVELY FAILED. They also said they suspected something all along. I was shocked. I asked how that those deposits could fail and why wasn't I warned since they had suspicions and had seen it before??? They said they didn't like to bother their customers. XXXX. I'm bothered now!!

I asked if they had contacted the depositing bank. They said rules did not allow that. XXXX. What is a customer to do. Banks/credit unions have tools customers do not. 
Depositing bank should have done due diligence before issuing. I could not find out the branch the deposits came from, let alone the issuing person. Because the scammer is hard to find, it all becomes my debt to resolve. Not fair!! I am XXXX XXXX XXXX and now I have had to put my home up for sale. I filed a police report and XXXX. Police listed me as victim. I think that the depositing bank should not have issued the deposits and should have Errors and Omission Insurance to cover this. Not me. XXXX XXXX cell phone
Product: Payday loan, title loan, or personal loan

Bait and Switch Good Afternoon, I am writing to you to explain how displeased I am with this company. I honestly feel like you pulled a Bait and Switch routine. I came to One Main seeking a personal loan to cover some debt. You were only able to do a portion of the amount I needed. I was fine with that and was ready to walk away. Then you start telling me about taking over my car loan and I could then use that as collateral for the additional funds I needed as another personal loan. I gave you permission to talk to my wife to help facilitate this process and you repeated told both of us that in the future I could refinance and take the car out of the loan if i found a new car i wanted to purchase. You went on and on about being able to do that and gave examples how to do it the right way by contacting you guys first because you've had customers just go through the dealership and which caused hiccups. I feel so manipulated and taken advantage of. I even stayed at your office for 3.5 hours while this was being hammered out. you had to do certain things so the system would take it and again you insisted I could refinance and take the car out when i was ready to purchase a new vehicle. 

As you see the email below ; i asked to do just as you instructed me to do. then you call me and tell me i am not able to take the car out of the loan and that the total loan is XXXX for the car. The way you presented it was not like this. Your word choice suggested the car could come out and the rest of the personal loan would be refinanced. 

Had you explained it correctly I would have never went through with the loan. But you knew that and that is why you presented it the way you did. So basically in a nut shell you created a car loan for an estimated 13K when it was worth only maybe between {$7500.00} and {$8500.00}. 

How you and your company handled this situation is complete wrong. You all should honor what you stated repeatedly to us and pull the car out and refinance the rest of the personal loan. 

I want this situation resolved.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ) XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX ( HARD INQUIRY ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.