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

I am being unjustly double charged by Chase credit card. I have tried valiantly to reconcile the matter with Chase credit, to no avail. Here are the facts : 1. On XX/XX/XXXX, I purchased a toy from XXXX XXXX XXXX ( {$51.00} ) as a XXXX gift for my XXXX XXXX XXXX grandson -- -- Item # XXXX : XXXX XXXX XXXX XXXX XXXX I paid Chase credit card for it in the same billing cycle. 

2. XX/XX/XXXX XXXX morning, we discovered the toy was defective. Via certified mail, I promptly returned it to the vendor for credit. 

3. XX/XX/XXXX, Chase granted me a credit for the {$51.00} cent charge. 

4. On XX/XX/XXXX, Chase rescinded its {$51.00} credit to my Chase credit card account AND REBILLED ME FOR THE SAME AMOUNT!!!! 

5. On XX/XX/XXXX, my return of the defective product was finally acknowledged as received by the vendor and the merchant agreed to credit my Chase account : XXXX XXXX  XXXX Thu XX/XX/XXXX XXXX XXXX To : You Hello XXXX, We're writing to inform you that we have received your returned merchandise for order number XXXX. ( Click order number to see all products associated with your order. ) We will promptly issue you a refund via the payment method originally used to place this order. 

If you requested an exchange, the replacement items will be shipped to you as soon as possible. 

For credit/debit card transactions, you should see a reflection on your account within 5-7 business days. If you have any questions, please contact us. 

Sincerely, XXXX XXXX Customer Service 6. However, Chase credit card company has now rebilled the original XX/XX/XXXX XXXX XXXX  {$51.00} charge to my credit card account : XX/XX/XXXX XXXX XXXX - {$51.00} XX/XX/XXXX REBILL XXXX XXXX {$51.00} According to Chase, my current credit card balance is XXXX.. inclusive of the {$51.00} XXXX XXXX charge. My balance should only be {$11.00} I have made several valiant attempts in both expressive modalities, written via email and oral via several telephone conversations with customer service representatives to resolve this thorny and unsettling matterto no avail. The customer service reps only proceed to read me a litany of my past 5 transactions. 
Chase refuses to rectify its egregious error and eradicate the {$51.00} charge from my Chase credit card account. I do not owe it and, as an elderly person on a fixed income, I absolutely can not afford to pay for a defective RETURNED AND ALREADY PAID FOR product. I have sterling credit and seek to maintain it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21, XX/XX/21, XX/XX/21 This account was settled on XXXX a zero balance and the account closed. I have tried reaching citibank and cant seem to get a live person you just keep getting transferred to an automated system.
Product: Debt collection

I am personal representative of an estate and contested a bill in writing. The company never responded to the letter and although the contested amount was removed from the account in XXXX never notified me. I paid the amount through a direct debit on XX/XX/2016 and was assured a letter clearing the claim would be issued within 14 days, I called againXX/XX/2016 and was assured a letter with copy to me would be sent ( never received ) called again XX/XX/2016 and was promised a letter ( not received ). The lack of a release of the claim is not allowing me to proceed to close the estate.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 about whom the report relates. The following account [ XXXX XXXX XXXX ], is not accurate. 

[ XXXX XXXX XXXX ] open and closed date is inaccurate with the amount of $ {$21000.00}. This is not my account, I've never given my consent to open this account, according to the credit fair act law called 15 U.S.C. Sec. 1681i. By law, I have rights to challenge anything I am not sure is accurate. I also have a fraud alert on file on my account to prevent acquisitions like this. Please investigate if every piece of information is correct. If not please remove it from my credit report. Thank you!
Product: Mortgage

We have been working with XXXX XXXX to get them to help us get current on our mortgage. They have sent the paperwork requesting information to LoanCare at least twice. We have called LoanCare several times to see the status of the paperwork and every time they give us a different answer and tell us no one can get on the line to help us get this corrected.
Product: Vehicle loan or lease

I have contacted Ford Credit multiple times regarding the refinancing of the balloon payment of my car. Under the terms of the contract I am entitled to refinance at the original interest rate of 1.4 %. I contacted them first around XX/XX/XXXX, roughly a month before the loan payment would have been due. I was told they would send the paperwork when the loan matured in XXXX. I called again on XX/XX/XXXX, a few business days before the loan maturity date and was told again that the paperwork would be sent within 14 days. It was not. Around the 24th day, XX/XX/XXXX, I still had not received the paperwork, but was told I would receive it by the end of the day. I had to call back at XXXX that day because I had not received anything. I was told it could take 24 hours to receive it. I did not receive anything until XX/XX/XXXX. Upon receiving the signature request, I completed it immediately. No contact has been made by Ford Credit since.

I have payments in good faith since the due date, but never received any contact from, yet they still reported me as delinquent when I have done everything in my power to preemptively address the situation.
Product: Credit card or prepaid card

Bank of America stated I would be held responsible for a fraudulent charge that I did not make though XXXX. There is evidence submitted to them that the address on the card did not match the delivery address of the fraudulent charge. The name and phone number associated with the delivery of the product also did not match the name of the cardholder. A total of XXXX  was fraudulently placed on my credit card. They did credit the account but are now reversing the credit and making me pay for this fraud charge.
Product: Vehicle loan or lease

I was sold a loan I could not afford. After paying nearly {$13000.00} as a down payment on the vehicle westlake refused to work with me when my household budget collapsed due to my wife having our child prematurely. I even consulted and considered filing bankruptcy with an attorney to help with my situation. But I was told by westlake financial the vehicle was already up for repossession and there was nothing I could do. After receiving this information we sold the vehicle to XXXX not 6 months after we purchased it and only got {$110.00} in positive equity back despite putting {$13000.00} down on the car in cash in XXXX of XX/XX/2018. And now westlake is continually delaying the overpayment check being issued because I mentioned I was consulting with an attorney. I also verbally revoked my consent to be contacted on my cell phone by westlake numerous times, but was still called by collections.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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
Product: Debt collection

I received a call from an unknown number on XX/XX/XXXX, XXXX XXXX. There was a voicemail left by a woman by the name of XXXX XXXX ( private courier ) - she stated that I will be served paperwork/documents on XX/XX/XXXX, at my residence. She added that I can call the filing party at ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX ) if I have any questions. I call the number and was transferred to a XXXX XXXX ( senior paralegal ) where he proceeds to ask if I am settling an old debt from XX/XX/XXXX with them at that very moment. The debt they claim I owe is {$10000.00} ( and he verbally stated on the phone that the original debt was {$2700.00} ). When I asked for additional information to verify if this is a legitimate debt, he commented that I 'm disputing this because I do not want to pay. He added that there was a payment towards this old Discover account back in XX/XX/XXXX, and that after that I failed to provide payment. But again, he could not provide any documentation regarding such payment. I informed him that we are talking about a debt from 17 years ago, and I need to research. In addition, I need to check my credit report. I told him that I will need to check this first before answering to them. He stated that this debt is no longer on my credit report. He provided only a statement via email, stating I owe the {$10000.00}. No other documentation was provided where I can see if indeed this is my debt. He kept asking if I would to offer a certain payment amount at that very moment, and did not listen to my plea for more information. I had to explain to him that I will need to consult with my attorney on this. I asked for his ( XXXX XXXX ) direct line ... it is ( XXXX ) XXXX. -- -- -Attached is the email I received- I excluded the SS # and the account number -- -- -- -- NOTICE OF DEBT ASSIGNMENT XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX SSN # XXXX Re : Balance Due : {$10000.00} Dear XXXX XXXX, XXXX XXXX XXXX has purchased the rights to any and all collection activities from DISCOVER CARD in regards to account number : XXXX Reference is made to a certain debt or obligation due from XXXX XXXX to the above captioned party. On XX/XX/XXXX, all rights to receive future payment have been assigned to XXXX XXXX XXXX XXXX. A copy of the assignment is available and attached. We understand the balance due is : {$10000.00}. Accordingly, we provide you notice of said assignment and notice of debt. Direct all future payments on said account be directed to the undersigned, at the below address. Further, any form of mail in payments should be made payable to the undersigned. It is important that all payments be made as directed to insure credit. You understand this is not a dunning notice. We appreciate your cooperation. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. Included in the bankruptcy on, Official Form 106 E/F, were three student loan amounts held and/or managed by XXXX XXXX/XXXX : {$10000.00} XXXX Claims XXXX XXXX XXXX XXXX, NE XXXX Opened XX/XX/XXXX - Last Active XX/XX/XXXX {$310.00} XXXX Claims XXXX XXXX XXXX XXXX, NE XXXX Opened XX/XX/XXXX - Last Active XX/XX/XXXX {$330.00} XXXX Claims XXXX XXXX XXXX XXXX, NE XXXX Opened XX/XX/XXXX Last Active XX/XX/XXXX Total of XXXX loans {$11000.00} The above were included on the Matrix of Creditors in aformentioned Bankruptcy filing submitted to the court on XX/XX/XXXX. 

XXXX According to Official Form 309A ( For Individuals or Joint Debtors ) Notice of Chapter XXXX Bankruptcy Case No Proof of Claim Deadline : " Creditors who assert that the debtors are not entitled to a discharge of any debts or who want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk 's office within the deadlines '' Dates : Meeting of creditors - XX/XX/XXXX at XXXX XXXX - No representative from XXXX/XXXX XXXX XXXX.  attended the meeting Presumption of Abuse - Deadline to object to discharge or to challenge whether debts are dischargeable : Filing deadline : XX/XX/XXXX Deadline to object to exemptions : Filing deadline : 30 days after the conclusion of the meeting of creditors Deadline to object to intended abandonment : Filing deadline : 75 days after the conclusion of the meeting of creditors *** According to the " Certificate of Notice '' Form ID : 309A - Notice by first class mail was sent to XXXX by the Bankruptcy Noticing Center on XX/XX/XXXX. 

A discharge was granted by a United States Bankruptcy Judge XXXX XXXXt/XXXX  reported to all three reporting agencies that the balance on the three XXXX/XXXX  loans was {$0.00}, they were discharged in Chapter XXXX Bankruptcy, and " Closed - Derogatory ''. 

The reports reflected this status for multiple months. During the same months, no statements for any loan are available. I inquired about the statements when I discovered the three student loans had reappeared with a balance on my credit report. 



+++ I have had discussions with XXXX, The XXXX XXXX XXXX, and the three credit bureaus. XXXX has given me the runaround and says to check my statements. There were, however, no statements for the months that the loans showed up as Closed {$0.00}. I requested from XXXX that they provide all statements for the year of XX/XX/XXXX. 

The request was denied through an email that literally said " ... your request has been denied ... 

I was unable to get any explanation as to why they would n't send the statements. 
The same as above is true for Transunion as well. 

One of the other credit reporting agencies, XXXX I believe, did follow up on their investigation and stated the erroneous information had been removed and my report changed to reflect Closed {$0.00} for the most expensive loan. 

I 've tried several times to communicate with all involved parties and have gotten nowhere I have additional information if needed Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did Not Apply For this Credit Card, which has left an Hard Inquiry on credit report.
Product: Checking or savings account

On XX/XX/2019, I deposited a check { {$37000.00} } to my account XXXX XXXX XXXX XXXX XXXX with JP Morgan Chase Bank. They placed a hold on my check and closed my account. Chase representative informed me that they need to verify the check with the issuer before the fund can be made available. 

Actions taken to support the verification process through the years : Contact information of issuer is provided but not accepted by Chase as they were unable to verify it. Efforts to authenticate the contact information with XXXX XXXX XXXX billing, social media information, and power of attorney with contact details were also rejected. 
The presence of an attorney acting on behalf of the issuer is not accepted. As advised by the banker in branch, issuer has sent an attorney with Notarized Power of Attorney to present original ID to branch for verification purpose. Legal department of Chase has acknowledged the legitimacy of the POA yet commented POA should be in place before the check issue date, which is mission impossible. How come the issuer knows that an attorney is even needed at first place. And the request is confusing as the attorney is assigned to make presence on issuers behalf to verify information, not signing the check to make the check valid. 
Chase has called issuers bank ( XXXX XXXX ) and confirmed the validity and legitimacy of the check. After all, Chase refuse to release the check. 

Request to Chase : ( 1 ) Make the verification process work. With all my hard work through the years to make issuer support on the process, it seems only a contact information in bank 's verification system or personal presence in branch could work. How comprehensive is the verification system that Chase should ignore all other information not in its system? If that is the case, I think I need to be informed at first place that DO NOT DEPOSIT A CHECK if issuer is not in Chases verification system or able to present in the branch. ( The issuer is currently XXXX XXXX and has XXXX XXXX to XXXX babies in recent years. Considering her current circumstances, requiring her to leave her kids and travel to the United States is not reasonable. And I do see the process reflect a poor service level to clients. ) ( 2 ) If Chase can not cash the check, refund the check to the issuer. With all the intention from both me and issuer to cooperate the verification, if Chase can still not release the check, at least refund the check to the issuer. The fund should not be stuck in the middle forever. Chase mentioned they can return the check if XXXX XXXX ( issuers bank ) initiate the process. But XXXX XXXX has no ground to call back the check as issuer talked to XXXX XXXX, the check is correctly debited from issuers account and now holding in my account. If this is the direction to go, Chase should initiate the process of returning the check to the issuer. 

I have gone through a lot of back and forth communication with the bank, where a solution initially advised by banker end up not working at a later stage. Truly hope Chase can make efforts to resolve the long-standing issue
Product: Credit reporting or other personal consumer reports

I ran my mortgage credit report to qualify for my home loan and my scores for XXXX, XXXX XXXX Transunion are reflecting much lower & not as they are reflecting on each bureaus web sites. Misrepresenting my overall credit & causing me to be denied for a FHA 3.5 % or 100 % financing home loan. 

This is unfair to me & my family and needs to be corrected asap.
Product: Debt collection

Car loan was closed and charged off in XXXX XXXX Transunion reported it as being closed in XXXX of XXXX and additional months prior. I disputed that information and within a week they opened the account up, declared it active and reported a missed payment for the month of XX/XX/XXXX. Again I disputed their incorrect information and recently they closed the account as of XX/XX/XXXX, still marked a missing payment for XXXX and dropped my credit score 20+ points. XXXX has now reported the same information, stating my car loan was closed in XXXX of XXXX, although their report XXXX weeks ago would show the correct information, which I have screenshot all information for both TransUnion and XXXX.
Product: Debt collection

XXXX XXXX and its debt collector company ( Jefferson Capital Systems LLC ) has been trying to collect and has reported to my account XXXX that I have been trying to remove for a long time. I have had the same phone company ( XXXX ) for over 10 years and did not open a phone account ever with XXXX XXXX but to no avail, they are still reporting it as a collection on my credit causing many problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX  card in 2013, the last activity was XXXX of 2013, and the account was closed. I have disputed this account with the credit bureau to be removed due to age of account and they have not removed. It has been more than the XXXX  years so the account should be removed. There is also a collection account with Midland Funding for this same account and I requested it be removed because of age of last activity is more than XXXX years.
Product: Mortgage

To Whom it may concern, On XXXX XX/XX/year>, Flagstar bank ( my mortgage company ) sent my insurance payment to the wrong company. They sent my payment to XXXX, in the amount of {$960.00}. I do not hold a policy with XXXX. XXXX still cashed the check, knowing I was not a policy holder. For the last 4 months I have been trying to get my money sent back to my bank to no avail. I filed a complaint with XXXX complaint department, I finally started getting come movement. 
As of XXXX XX/XX/year>, they stated they returned the check back to Flagstar, but Flagstar has not received the check as of today. Flagstar reached out on XXXX XX/XX/year> saying they have not received the check yet, but XXXX has not responded yet. 
XXXX sent XXXX different checks, and for some reason Flagstar still say they have not received anything. They were sending payment to a XXXX XXXX XXXX in XXXX I finally got a physical address to send the check to their corporate office in XXXX XXXX, I received tracking number, and a confirmation XXXX  package was received in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, on XXXX XX/XX/year> at XXXX XXXX. I have been following up with Flagstar and no one can tell me where my payment is. I requested to speak with a supervisor twice to see if they can escalate my issue. I requested they call the XXXXXXXX XXXX XXXX, but they refused to call them to follow up to find my check and epidote the process. All I get when I have been calling for the last XXXX months, is they are waiting, they will follow up, but nothing. 
As of today XXXX XX/XX/year>, they said around the XXXX of XXXX they called XXXX trying to see where the check was. But XXXX did not release any information, and told them to send an email, no follow up was received by XXXX as of today XXXX XX/XX/year>. I called and spoke to a XXXX Representative ; he stated the check was not cashed. So, we are just going in circles the last 3 months. 
I was told they have until XX/XX/XXXX to close the case and have a follow up. A supervisor said they will contact me then. For the last four months, all I have gotten from Flagstar is that they are looking into it, and here I am still with no resolution. This entire process is entirely too long and stressful, Because of the delay, an escrow analysis was conducted, and I was short, and my monthly payments will increase. Something that was not my fault to begin with, I paid my bill as instructed on time every month, the headache is entirely unacceptable. This is the second time I have had issues with Flagstar. Simple things that should be handled quickly. I also do not understand why they have addresses where payment can not be received. XXXX sent three payments and none of them were received. 
Thank you for your time and attention.
Product: Credit reporting or other personal consumer reports

I have submitted multiple complaints to XXXX, Transunion, and XXXX. I have not received the results of the investigations. Nothing has been mailed to my address provided. I have attached my dispute letters. I am hoping the CFPB can provide oversight to the bureaus to ensure my credit report it fixed.