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

I need to re open my previous claim that was closed. Complaint # XXXX. I dont agree with the reasoning of the denial of the transaction done to my accounts with Chase and the way it was handled. I need this to be investigated further as I was hacked and a victim. I have not authorized any claims to be processed nor allowed any funds to be distributed out of my accounts in that time period. Chase dropped the ball here by not red flagging all those fraudulent transactions, which were many. All my accounts were closed by a Chase themselves stating that I was a high risk to them. This is also unfair. Im now with a lien on my home and behind on my payments that were jeopardized when this happened in XX/XX/year>. Now I get notified that Im negative with Chase on a closed account. I have no money to pay this nor to pay my lenders. Especially when payments were already done and this shouldve never happened. I do have my local police investigating this case. And they will be sending out subpoenas. They were able to find an XXXX our Georgia for one of the transactions where they took the funds that where temporary give by Chase. You are the one of the only bank that does temporary credits without investing first and use people out the country ( third party vendors ) to do these transactions for a Chase. This give the hacker/ thief whatever they, more opportunity to do what they did to me. I know Im not the only person this has happened to but I need this resolved and need to be current with my lenders. My life hood is in state here. I never authorized any of this transactions. I beg to open and help resolve this. This is a lot of money. 
I have stacks of letters of all the non authorize claims done by someone that wasnt me. I need to be able to sit with someone and discuss this in person. I have been to my local branch but they arent available to do anything as this needs to be handled by Chase corporate offices. I will be waiting on a response. I will be try to look for an attorney that can help me with this issue. But have no money to pay. 
Thanks.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ATTN : Midland Credit Management XX/XX/XXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation To whom this may concern, I am writing to formally dispute the debt referenced by the account number [ XXXX ], which your agency is currently attempting to collect. I believe this information is inaccurate and must be corrected. As per the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with verification of the debt. Specifically, I ask that you supply a copy of the signed contract or agreement. Please include a copy of my signature, as I have no recollection of agreeing to such terms or entering into any agreement with your agency. I have already requested validation of this debt in a letter dated XXXX. The details of the account in question are as follows : Midland Credit ManagementXXXX XXXX Account Number : XXXX Amount : {$1600.00} XXXX request a thorough investigation of this account and a correction of the information on my credit report. 
Please provide me with the following : XXXX. A copy of the results of your investigation into this matter. 
XXXX. A corrected copy of my credit report reflects the updated status of this account. 

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing. 
Due to the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I request that you perform a comprehensive investigation as mandated by the FCRA. 
It is my understanding that under the law you have XXXX days from receiving this letter to verify this item. Failure to do so within the XXXX-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section XXXX ( XXXX ) ( A ). 
Also, pursuant to 15 U.S.C. section XXXXi ( XXXX ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section XXXXj, there should be no charge for this notification. 
Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several disputes pleading with the credit bureaus to honor my request due to my hospitalization. I just pulled my credit report and i noticed that my date of birth and/or address is incorrect or not fully there on my credit report. Im questioning the bureaus investigation. And i believe that the bureaus are in direct violation of FCRA 15 USC 1681a. They have repeatedly sent me letters claiming that the accounts are verified but failed to conduct a properly lawful investigation as law 15 USC 1681a states. Please remove the following late payments off my account due to your violation of 15 USC 1681a ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Good Will adjustment was granted by CEO - All late payments must be removed ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX -- Good Will adjustment was granted by CEO -- All late payments must be removed ) XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

I was temporary laid off as a non essential business employee because of Covid-19. 
I was approved for a mortgage forebeafance but the mortgage company said that the entire unpaid amount will be due at the end of the forebeafance because the Cares Act does not currently allow payment deferral. 
If I cant make a monthly payment because of the pandemic, how will I be able to make a lump sum payment of a few months all at once while out of work!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/2017 Balance {$0.00} Status Closed. {$320.00} written off. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

XX/XX/19 southwest credit syste. this debt is not belong to me, ... .it is fraudulent
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting deficiencies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Experian have to remove immediately the credit inquiries that I never recognize on my report that is fraud and they have to remove it ASAP. Does credit inquiries not done by me and I did not apply for none of those creditors so please remove it immediately from my credit report
Product: Credit reporting or other personal consumer reports

No credit score shown on my credit Too many anomalies, but things are now starting to make a little sense.

Over the course of 5 or 6 years, I believe my personal information was shared with a third party ( XXXX XXXX XXXX ), and whomever else, and and provided to the HR Dept of my past employers resulting in adverse actions being taken against me. I believe these actions to not only be illegal, but also unconstitutional, including but not limited to multiple employer background checks being run without written consent and legal protocol resulting in smear campaigns, workforce discrimination, organized stalking/surveillance, unfair treatment, workforce harassment, job search blacklisting, and even termination under pretext.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute about inaccurate information on my credit report XXXX  XXXX  XXXX  {$800.00} to Experian I have yet to receive any response.
Product: Credit card or prepaid card

American Express offered me in XXXX of 2022 to add XXXX employees to my hilton honors business card ending in XXXX. For each employee that spent {$1000.00} they would get a {$50.00} credit. On my XXXX statement XXXX employees made that goal. I was only given XXXX {$50.00} credits. The other made the goal in XXXX. I inquired that XXXX, oh you need to wait was the answer, I finally opened an investigation in XXXX. No word from American Express. Being upset with American Express I called to see what was up, they know nothing, so instead of American express charging me a fee again, I cancelled the card in haste. Well now, since it has not been a year since I got employee cards, American express is not doing anything that they should have done back in XXXX. So I am asking American express to either reopen my card and do what they should have done in XXXX or go ahead an issue the {$50.00} credits that should have been given.
Product: Credit reporting or other personal consumer reports

Account # XXXX Resurgent : XXXX I am writing to dispute certain inaccurate information in my credit file. In compliance with the Fair Credit Reporting Act, I kindly request your assistance in investigating and, removing this erroneous information from my credit report. 

Upon reviewing my credit report, I have identified a negative account entry that I do not recognize. I am concerned about the accuracy of these entries, as they do not accurately reflect my credit history. I received a reply from XXXX of Resurgent again, which provided conflicting information and violated my rights by again reporting inaccuracies to CRAs. It did not address my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  report shows a steep decline in my XXXX score. Comparing the scorers it shows that XXXX is the only XXXX  to report a recent delinquency while the other two show the opposite and have a positive payment history. The XXXX  score shows XXXX at XXXX using their scoring method while the XXXX  website says that its XXXX using their XXXX  XXXX. I call XXXX and tell them there is an issue with XXXX, the score that banks actually use. They told me if its not on their report on their site then they cant do anything. A capital one account was closed in XX/XX/XXXX and it marked as closed on my XXXX  report yet in XX/XX/XXXX XXXX randomly shows that I made a payment but it does not show this on the XXXX site. XXXX  shows that it has been XXXX months since my last late XXXX reported payment.
Product: Credit card or prepaid card

I went into Mega Value Furniture on XXXX/XXXX/XXXX to purchase furniture in the amount of {$4700.00} A handwritten order was completed that stated my terms were going to be 18 months interest free, however they presented me with a credit authorization slip to Citibank ( who I opened an account with in the store ) for 30.49 %. I started to sign the slip only completing the 1st two letters of my name XXXX and refused to execute the transaction due to the contradiction and wanted something more official than a handwritten contract that confirm my interest free terms. Against my better judgment I accepted the word of the sales representative and left the store waiting on something in writing from Citibank ; however when I received the letter from Citibank it stated my promotional terms were UNDER REVIEW and a DECISION whether they would honor them would be made within two billing cycles. 

I then went back to store after receiving this letter XXXX and demanded they cancel my order and REFUND ME in FULL. I followed this request with an email in writing because instead of them trying to honor my request they were busy trying to FORCE me to accept a verbal guarantee the terms would eventually be honored. 

To protect myself I disputed the {$700.00} with XXXX which they have refunded to me and the {$4000.00} with Citibank. Citibank has completed there research and sided with Mega Furniture although I DID NOT sign the credit authorization slip. 

Citibank finally agreed to the terms on XXXX/XXXX/XXXX but because of the unclear terms I had purchased my furniture with another store who I deemed far more trustworthy. I told them if they has simply given the information in writing from the onset this could have been avoided. They refused on three occasions to provide clear and concise terms, at purchase, when I returned to the store and after I disputed the transaction.
Product: Debt collection

( XXXX ) Date account allegedly opened XXXX XXXX, XXXX for XXXX  XXXX XXXX  In The Amount of {$600.00} USD showing as a charge off. ( XXXX ) Date account allegedly opened XXXX. XXXX, XXXX for XXXX XXXX XXXX  In The Amount of {$430.00} USD showing as a charge off. ( XXXX ) Date account allegedly opened XXXX XXXX, XXXX for UNIVERSAL PAYMENT CORP In The Amount of {$620.00} USD showing as a charge off. I put all these companies in a previous demand for remedy to cure as a consumer with the Consumer Financial Protection Bureau, ( CFPB ) and they were taken off my tradelines but still showing up on my report as a charge off. Also other companies were deleted off my tradelines but the {$1000.00} USD for falsely reporting on my credit was never paid as demanded. These Companies were XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. These Companies were also reported to XXXX, XXXX, and XXXX. 
Thank You
Product: Debt collection

Date XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX and velo law keeps harassing myself and my friends they keep hand delivering papers to my friends threatening them saying I'm lying I live at the address which I do not and have never .i 've called them to tell them I don't live there they keep harassing myself and people I know. I have messages and pics from my friends of the papers and all. I have started my chapter XXXX and told them and they continue to harass and disclose my personal information. That's against the law. they have been gone as far as to make my friends think they are the police this is ridiculous and has to stop.
Product: Debt collection

The debt collection company sent me a statement charging me interest. I called the original creditor who said this was not appropriate and that they do not charge interest. I never agreed to be charged interest and there is no court judgment allowing such.
Product: Mortgage

This company is horrible to deal with if you have any issues logging in, making a payment, claiming fault for any website malfunctions, checking banking information for accuracy to avoid rejection of payments after the due date which results in late fees that they will not excuse because of a fault of their own. THEN ... on XXXX we called Home Point Financial to explore the possibly of skipping a payment and adding it to the end of the long due to a nature disaster where our home is inhabitable and in the middle of an insurance claim. We have had SEVERAL unexpected expenses due to this situation and Home Point mentioned they don't offer the service to skip a payment and if we would become more than a month late they report it to a debt collection agency. I understand that this might not be a service that they would want to offer, but I am very frustrated that it is not an opportunity for some circumstances. Horrible customer service and I am looking forward to the day of getting to refinance with a more understanding and WELL ROUNDED company.
Product: Checking or savings account

I contact the United States Federal Communication Commission in regards to when I access my TD Bank Saving Account Online and try to close the web Brower it would not allow me to close the web page or my online Account is it legal to create a Website for customer to view the Bank Account and then have the website not to work according to United States Federal Regulations is this legal a customer should not be force to leave the account open on the website for any reason this leave chance for the account and website to hack it this should be illegal and I would like to have this website an all online banking review to secure security for the customers and ensure that we have secure way to view or account or is it legal even to view our account online and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations
Product: Credit card

Synchrony Bank lowered my available credit on my Mens Warehouse credit card without notice. Went in to purchase some new clothing based on a promotion the Mens Warehouse was running if I used my Mens Warehouse credit card. I have always had over a XXXX limit. I purchased XXXX and ran my card it was denied. Store called Synchrony to find out what the issue was? After waiting over 10 minutes Synchrony ask to speak with me. I told them I always had over XXXX available, but had not used the card in over a year. It had a XXXX balance. Synchrony told me my new credit limit was XXXX. When I asked why they said because my account was flagged for review and my credit history from the credit reporting services was used to make their decision. My average credit score from the big XXXX have my credit score between XXXX-XXXX. 

Again no letter stating that they took this action before hand or any reason or information as to why they did this? 

In researching Synchrony Bank formerly GE Capital many people have the same stories. 

Is there any help you can provide me related to this matter? 

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

On Sunday, XX/XX/2019 at about XXXX XXXX., I had applied online for a XXXX XXXX XXXX  ( XXXX ) home loan. The male XXXX home loan officer then called me at home and told me that " Experian '' had a " Security Freeze '' on my " Experian '' credit file. The XXXX home loan officer then gave me the " Experian '' toll free number to call which was XXXX. And I immediately did. " Experian '' told me over the phone that I had to " Mail in 2 proofs of I.D . such as 2 current utility bills along with a note instructing Experian to permanently lift my security freeze. And to mail it to them at : Experian ; XXXX. XXXX XXXX ; XXXX, Texas ; XXXX ''!!!!
Product: Payday loan, title loan, personal loan, or advance loan

A couple of years back I had to replace my A/C unit. I had to finance the new unit through a company called XXXX- it was the finance company the HVAC business was dealing with at the time. It was an interest-free loan, and I made my monthly payments ( more than the minimum required ) on time every month. Now to the present. I needed to refinance a XXXX XXXX XXXX line with XXXX Bank, and as part of the deal XXXX would pay-off my credit cards and loans such as the XXXX with XXXX. The balance of the loan at the time was {$600.00}, but before the HELOC closed I had to make a regular payment XXXX XXXX for {$110.00} ( my usual monthly payment. ) So, I had a balance of {$490.00} left in the account. XXXX tried to find out where to send the final payment and was told to send it to : XXXX XXXX # XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, NC. The check was issued to that physical address for overnight delivery ( XXXX Tracking # XXXX ) and was delivered to the address on XX/XX/year> at XXXX a.m. However, XXXX doesn't seem to know anything about it. I keep checking my account to see if it was credited, but still shows a balance of {$490.00}, but with another page of my account showing a balance of {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere XXXX decided to close my account with them despite my prior XXXXen years of history that I had with them. On XXXX of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, XXXX decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of XXXX for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that XXXX was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. XXXX from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.
Product: Debt collection

A chargeback was issued for an unauthorized credit card charge, and chase did not help me resolve the case. I have since refused to remit payment for this charge on the grounds that it was not authorized, and I asked chase to cease contacting me unless they were going to continue the investigation of my claim. 

Since I requested a cease of communication, I have been called XXXX this week and asked frivolous questions, while chase has had no intention of reopening my case. Chase should not be allowed to continually harass me for a debt that I do not legally owe.