23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This past summer XXXX, XXXX. I approved for a new credit card with Chase Bank, I already had an existing card with Chase, this new card would be an upgraded " airline '' card. I was approved for the new card. I was told that I would need to pay off the balance of the old card and I would be able to close it, since I didn't need two " airline '' cards. I paid off the balance in full with the customer service rep on the phone. Chase then closed my credit card and within a few weeks that card disappeared off my online banking profile and I wasn't able to see it any longer. Fast forward to late XXXX I received a notice via my credit monitoring system that I was getting a 30+ day late alert on one of my Chase credit cards, the amount late was {$7.00}. I called Chase to find out what was going on. I was told that the {$7.00} was charged after I closed the account and that it was " interest '' from the balance, which goes against what I was told would happen on the phone. I paid the balance in full, which resulted in the fact that Chase took that card off of my banking dashboard. 

I spoke to a representative in mid XX/XX/XXXX who looked into my issue and after being on hold for some time she came back and said that I should not have been billed the {$7.00} and that she would submit reports to have my credit report fixed by XX/XX/XXXX. Fast forward to XX/XX/XXXX the credit report had not been updated. I called Chase to find out why the credit report had not been fixed. I was told that the issue would be looked into, the representative than said that the issue was not the fault of the bank, which is in direct conflict with the other representative stated to me in XXXX. I tried to explain that had I known that I had a little {$7.00} intrest charge I would have certainly paid it off, it's {$7.00}!! I pay my balance off all the time which are thousands of dollards. The representative would not budge, and she said my credit report would remain in place that I have a 30+ late payment. This mark on my credit report has decreased my credit score and could hinder in my ability to purchase a first time home. I had planned to get the mortage with Chase Bank, but the same bank who is penalizing me for a {$7.00} late fee on a closed credit card, even though I have two other credit cards with them. This is absolutly crazy. I wouldn't get a mortage with Chase now if my life depended on it, and I'm looking into moving all of my banking to another regional bank who really does care about their customers.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In the process of applying for a mortgage, the lender significantly interrupted my employment through urgent requests stemming from their own internal failures. 

Three days before closing, the lender called and sent three emails and two text messages within a 90-minute period urgently requesting a signature on a document that they had the ability to prepare at least two weeks earlier.

The lenders closing disclosure provided three business days before closing had errors totaling over {$10000.00}. I notified them of the errors the same day, but they did not provide a corrected version until closing. 

After closing began, they sent a third request for employment verification. 13 minutes after receiving the request for employment verification, the lender indicated that they had contacted an individual at my employer who they found on a public website. The individual contacted is not responsible for employment verification, nor are they authorized to provide the information. Furthermore, the lender was aware of the procedure my employer used to verify employment but did not offer me the opportunity to complete that procedure. 

The XXXX XXXX apologized for the errors multiple times throughout the process, but the repeated failures suggest ongoing systematic problems in lending in a manner that respects applicants time and employment situation.
Product: Credit card or prepaid card

FIRST PRROGRESS was informed that a prepaid card acct was fraudulently opened under my name and {$500.00} stolen from me in XX/XX/2021. 
After weeks of calls, they finally submitted a fraud report and ultimately settled in my favor. 
My XXXX was taken out, I disputed with my bank and ultimately First Progress was allowed to keep my money. 
I want either my bank, XXXX XXXX, or First Progress to refund my XXXX money immediately. 
First Progress claims they don't have it, but the bank cleanly shows they do. 
I have a XXXX son and can not afford to lose this money. I am a month behind on rent since this happened!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX [ EXPERIAN ] [ XXXX ] [ XXXX ] To Whom It May Concern : I am writing to dispute an unauthorized credit inquiry on my credit report. The inquiry was made by [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ]. 
[ XXXX ] on [ XX/XX/XXXX ] [ XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on XXXX XX/XX/XXXX ] [ XXXX XXXX XXXX / XXXX XXXX XXXX [ XX/XX/XXXX ] I did not authorize this inquiry and believe it was made in error. 

I request that this inquiry be removed from my credit report as it is negatively impacting my credit score. I have attached a copy of my credit report.

I am aware that under the Fair Credit Reporting Act, you have 30 days to investigate my dispute and respond with your findings. I request that you notify the furnisher of this inquiry and request that they remove it from my credit report as well. 

If you find that this inquiry was made in error, please remove it from my credit report immediately. Please provide me with a written response when the inquiry has been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This is an invalid debt and I am requesting help to resolve this matter. I have been receiving calls and have received 3 letters in the mail regarding this invalid debt, see attached documents. The dates of the letters were : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Portfolio Recovery is illegally calling me and sending me fraudulent paperwork regarding an invalid debt. They have violated the Fair Credit Report Act by attempting to collect an invalid debt that is past the statute of limitations. The original debtor is XXXX XXXX and the debt is from XX/XX/XXXX and was cleared from all three of my credit reports in XX/XX/XXXX. The amount owed is incorrect, I do not owe this debt. They are also breaking laws and calling and harassing me several times a week even though I clearly told them the debt was invalid and to place me on their do not call list. They repetitiously call and annoy me several times per week, see my list of numbers and dates below. Whenever they call they never identify themselves and I have to blatantly ask who is this? Calling from where? It is causing XXXX  XXXX and I suffer from XXXX as well. Here are some of the dates and numbers they have called from : XX/XX/XXXX ( Thursday ) XXXX Portfolio Recovery Assoc . ( XXXX ) XXXX XXXX XXXX, CA XX/XX/XXXX ( Tuesday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Thursday ) XXXX PRA ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Monday ) XXXX PRA ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX, XXXX XX/XX/XXXX ( Monday ) XXXX PRA ( XXXX ) XXXX XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Wednesday ) XXXX PRA , XXXX ( XXXX ) XXXX XXXX , TX XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX, MD XX/XX/XXXX ( Monday ) XXXX PRA ( XXXX ) XXXX XX/XX/XXXX ( Saturday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX, MO XX/XX/XXXX ( Friday ) XXXX PRA, XXXX XXXX. ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Saturday ) PRA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Thursday ) XXXX PRA , XXXX ( XXXX ) XXXX XXXX , IL XXXX/XXXX/XXXX ( Thursday ) PRA using some man 's number when I called back to verify ( XXXX ) XXXX he has been getting scam calls too and we have no idea how they used his number XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX, OH XX/XX/XXXX ( Monday ) XXXX PRA using man 's number ( XXXX ) XXXX XX/XX/XXXX ( Friday ) PRA ( XXXX ) XXXX tried to call back but just busy signal I am requesting help resolving this matter as quickly as possible. I wish to no longer be contacted by Portfolio Recovery Associates, LLC regarding this invalid debt via phone or mail. Thank you for your help.
Product: Money transfer, virtual currency, or money service

I sent money to Coinbase & then transfer it to deluxe mining. Coinbase should have known that they were a fraud company site. I just want my money back. Do not use XXXX. A fraud company! I used Coinbase and XXXX  with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DEPTEDXXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DEPTEDXXXX TransUnion LLC XXXX. XXXX  XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DEPTEDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent a letter to transunion to dispute the inaccurate and incomplete items that are on my credit report and has not heard from them concerning this matter. I am asking for the items to be deleted bacause the law states that it has to be 100 % accurate or deleted
Product: Checking or savings account

First bank I started with was Sterling - then I don't remember - then XXXX XXXX - now Webster~ The bank has changed its name four times, I keep calling and they refuse to close my account and give me my money. 
~ i moved to a different state and changed my phone number In order to log into the account, they need to send me a text message. They keep sending the text message to a phone that I no longer own. they will not accept my new phone number, and therefore i can't get into the account and close it. 

They keep asking me personal questions to confirm identity which I answer correctly. They're saying I'm not answering them correctly i've offered to send them copies of my driver 's license, my passport, my social security card, And they won't take any of them as proof of identity. I even offered to send them copies of old statements We're not talking about a lot of money, but whatever the amount is, it's mine. 

I have been trying for over 3 months, to no avail. How can you help?
Product: Credit card

What happened? On XX/XX/XXXX, my travel plans were significantly disrupted due to the cancellation of my flights by the airline. The tickets were for a flight that was scheduled for XXXX XXXX The total cost of the XXXX tickets was {$2100.00}. Following the cancellation, I received a partial refund of XXXX for each ticket ( approximately {$650.00} for each ticket ) from the airline, but the remaining balance of $ XXXX ( {$880.00} ) was not refunded. 

I initiated XXXX disputes with Citibank for the remaining {$440.00} ( XXXX case for each ticket ) : Case XXXX Case XXXX Actions Taken : Both disputes were submitted to Citibank around the same time, detailing the same transaction for the same amount. 

Resolution of Case XXXX : Citibank initially resolved XXXX XXXX in my favor, and a credit of {$440.00} was applied to my account. They didn't resolve XXXX, so I sent correspondence to have them resolve it. 

Denial of Case XXXX : On XX/XX/XXXX, I received a letter from Citibank stating that Case XXXX was denied due to the amount of time that had passed. 

Appeal and Follow-up : I requested an appeal and sent multiple follow-up communications to Citibank expressing my concerns about the inconsistency in handling these identical cases. 

Reversal of Credit : After requesting an appeal, Citibank inexplicably reversed the resolution of Case XXXX, removing the {$440.00} credit from my account. This happened after I emailed them on XX/XX/XXXX when I asked them re-review the situation. 

Email Communications : On XX/XX/XXXX, I sent an email to Citibank requesting an evaluation of Case XXXX. 

On XX/XX/XXXX, I sent an email expressing my frustration with the inconsistent handling of my disputes and requesting a review by a supervisor. 

On XX/XX/XXXX, I sent another email demanding immediate resolution and reinstatement of the credit, and escalating the matter to a higher authority. 

On XX/XX/XXXX, I received a letter from Citibank, which included my account statements and an audit worksheet but did not address the core issues or explain the inconsistency in their handling of the disputes. 

Current Situation : Despite my efforts and follow-up, Citibank has not provided a satisfactory resolution. The inconsistent handling of identical disputes has caused significant frustration and inconvenience. 

Requested Resolution : I am seeking the CFPBs assistance in resolving this matter.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I have disputed the accounts with the credit bureau XXXX  , to no avail..The account XXXX XXXX XXXX  XXXX XXXX is not mine. I asked for proof of my signature where I agreed to pay this account but the credit bureau couldn't provide any. This is very exhausting, CFPB please step up and remove the accounts
Product: Checking or savings account

XX/XX/2023 I attempted to deposit {$990.00} in a US BANK ATM the ATM took my money counted it and then gave me an error code and took my money then proceeded to tell me it can not credit my account nor will it give me my money back Ive called 20 times each associate tells me something different along the lines of they can not help me and no managers are available they ATM gave me a receipt with a phone mumber and thats it no reference number nothing very scam likely the bank is going to be over {$990.00} by the end of the night they should be able to do a claim and give me my money ASAP
Product: Credit reporting or other personal consumer reports

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was in contact with Barclays Bank of Delaware over a year ago in regard to this fraudulent account. 

The fact that XXXX XXXX has placed a collection account in my credit report without any documentation notifying me of their intent, is against the consumer laws. 

Im a government employee, and my job is contingent upon my credit background
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters seeking investigation on different items that are reporting on my credit report and the credit bureaus have failed to respond to any of my letters.
Product: Student loan

As before complained before patments are not being processes and new patments dont show. Then fees/interests are added to payments for the next month and they continue to accumulate. I want a different provider.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
XXXX I want the
Product: Credit reporting, credit repair services, or other personal consumer reports

credit companies are not complying with their own policies in a timely manner.
Product: Prepaid card

There was an unauthorized charge on my vanilla gift card. 

Amount : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and am disputing 1 incorrect hard inquiry that needs to be deleted indicated in the attached letter below : XXXX XXXX ( Bank ) hard inquiry from XX/XX/2021 According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Thank you.
Product: Checking or savings account

Account was suspended and I received my irs refund to that account. I have called three times to slresolve any issues and remove the suspension but they give me no details and ask me to wait for an email they dont allow me to speak to another department. I need to access my funds
Product: Credit card

Hello, I mailed a payment via a XXXX XXXX money order on XXXX XXXX, 2016 to Citi for the amount of {$490.00} to make a payment on my credit card ending in XXXX. This money order was cashed by Citi on XXXX XXXX, 2016. I also mailed another payment via a XXXX XXXX money order on XXXX XXXX, 2016 to Citi for the amount of {$490.00} to make a payment on my credit card ending in XXXX. This money order was cashed by Citi on XXXX XXXX, 2016. 

Neither of these money order payments was posted to either account. After two weeks of nothing posting, I contacted Citi via online message about both of these money orders and they claimed that had never received them. I filed XXXX lost money order claims with XXXX XXXX at {$15.00} a piece to track down the money orders. I have just received copies in the mail of the money orders confirming that they were cashed by Citi on the dates listed above.
Product: Debt collection

In or around the end of XXXX, XXXX I noticed an account being reported on 2 of my 3 credit reports. I had ran my reports in XXXX, XXXX and this was not showing on any of my credit reports, now all the sudden in XX/XX/XXXX it is showing and showing a date opened of XX/XX/XXXX in the amount of {$4000.00}. I do not recognize this debt, and I do not believe this is my debt. I disputed this with the credit reporting agencies involved and with this agency as well and the company states that they have verified the debt to be accurate and belonging to myself. I then contacted the company in writing via certified, return receipt, US Mail indicating that this is false reporting and I also demanded copies of the original documents with the original signatures to verify this debt belongs to me and gave the company 30 days from the date of the letter to provide such documents. The company has failed to provide these documents and as of XX/XX/XXXX, 31 days from the date of the letter, I have not received them. I also instructed the company reporting this that if documents were not received within the 30 day time frame then they must remove this item from my credit reports. As of today, they have not done so. If this company says they can validate this debt is mine, then why was it not being reported in XX/XX/XXXX? Also, what gives this company the right to just pick and choose whenever they want to do whatever they want with someone's credit? This company needs shut down!
Product: Money transfer, virtual currency, or money service

Paid twice for the same item. Synchrony bank found one tracking number and cancelled the claim saying it was delivered. Two charges one item tracking number ... Doesn't answer phone, call back on  messages, respond to XXXX  claim nor do they respond to fax.