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

Dear Sir or Madam, This is a complaint against Chase Bank XXXX credit card under Amazons Myrewardscard. 

I receive notices from Chase via text messaging and on XX/XX/XXXX. Chase indicated that they would pay my credit card payment that was due on XXXX XXXX. 

On XX/XX/XXXX and XX/XX/XXXX I received the attached emails from Chase I had missed my payment. 

On XX/XX/XXXX I called Chase customer service and inform them that I had not made payment because of their offer to pay my XX/XX/XXXX payment. I was told by customer service that they had never heard of such a thing, and this wasnt something that Chase does for its customers as far as they knew. This was a customer service supervisor that made the statements. 

They said that they were unable to assess what messages were sent to me. They suggested I contact them via their secure messaging service and send the screenshot of the offer. I did this immediately. 

Their internal team confirmed that the text came from Chase. 

I wouldve expected this to resolve the issue and in doing so I would be XXXX XXXX wrong. As of today, I received the on going emails asking for payment and I was assessed a fee for not being on time. 

I did call customer service again and apparently ; they had no record of any of this information as they asked me to recite the issue and to pay my bill. I asked that the call be transferred to a customer service individual that functions as a supervisor. The transfer was made however this person apparently had no record of any of this occurring on their computer screen - this is not credible given that every call and communication is recorded documented in time stamped these are routine industry practices. 

Regrettably the stress of this got to me and I used a XXXX XXXX protected form of speech that was not used in a threatening, deeming, or insulting manner. I again explained everything to the individual who continued to seek clarity despite me giving a full accounting of the issue. Again, I apparently used the magic word, and she told me they were going to terminate the call at this point which she did with nothing being corrected. 

The old customer friendly approach Our way or the Highway.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach, which has compromised my personal and financial information. As such, I am requesting that all accounts listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The accounts in question are : 1. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} XXXX. XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$800.00} XXXX. XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$350.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Checking or savings account

Hi Im having trouble with CITIBANK.   I purchased a bed on  XXXX   XXXX   2017  on  XXXX  and paid to the seller *  XXXX    in the amount of {$280.00}. The seller never shipped the bed and I was refunded the total amount on  XXXX   XXXX , going back on my  MasterCard  ending in  XXXX .   It 's taking already 10 days and CITIBANK STILL NEVER PROCESSED MY REFUND.
Product: Credit card

XXXX XXXX XXXX  XXXX applied for multiple credit card accounts under my name maxed every card out that was issued I contacted the company on XX/XX/year> to dispute the charges and asked for information about product and or services I was being charged for they provided no service or product when i disputed with the credit card company they contacted the company who sent false documentation stating I received services and or a service so they credit card company is considering the case closed I inspected the documents the company sent and all the information was false the accounts products and services they claimed to provided were fake
Product: Checking or savings account

Dear sir or madam I have a leagal question related to advance notice of an adverse change to Agreement and Schedule of fees. 

I opened my account when I was in US almost 15 years ago. 
Then, I returned to my country, at that time, I did not close this acoount because it is convenient for me to use this account whenever I travel to US. 

I have been recieved monthly statement of my account from the bank in order to check my account out. 
But, in last XXXX, suddenly, monthly fees were withdrawn from my account. 
I did not understand any reasons for it, so I sent letters to the bank three times. 

They reund the monthly fees to my account after they recieved my letters and sent Agreemt whice guides me about my rights and obligation for my deposit account and deposit relationship with them. They also sent Schedule of fees which guides me about schdule lists account fees and the way to avoid some account fees. 

I guess that they withdrew montly fees from my accounts after they changed Schedule of fees in last XXXX. Because the date of effective XX/XX/2017 was printed on the front page of Schedule. 

However, they did not notify me this change before this changed Schedule would be effective. Schedule 's overview says " We may change the accounts and sevices described in this schedule at any time. We may add new terms and conditions. We may delete or amend existing temrs and conditions. ".

On the other hand, Agreement says " We ordinary send you advance notice of an adverse change to this Agreement. However, we may make changes without prior notice unless otherwise required by law. ". 

Here is my question. Is there any laws to describe that banks must notify this case of changes in advance? 

Sincerely, XXXX XXXX XX/XX/30
Product: Credit card

Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Pleasesend me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTCIdentity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX XXXX : XX/XX/year> Close the unauthorized account Removeany charges on the unauthorized account, and Takesteps to remove information about this account from my credit files. 
FTCIdentity Theft Report Proof of identity Notice to Furnishersof Information Companies involved XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently relocated to the US in XXXX 2017. The first thing I did was to try and get a car through XXXX XXXX of XXXX, NC. The company took my social security number and randomly contacted multiple financial institutions causing a total of 7 hard inquiries to be registered under my credit reports ( 2 under Transunion and 5 under XXXX  ). This was done without my approval and without even informing me.

Of course the dealership did that trying to secure a sale of the car at my expense. I was shocked to see the effect on my credit report as a result of these 9 hard inquiries. All of which were not authorized by me.

All the hard inquiries were run on XXXX XXXX 2017 which is the date I was in the dealership.
Product: Checking or savings account

Around XXXX XXXX XXXX XXXX XXXX XXXX XXXX transmission went out and we applied online through Our bank pnc mobile banking loan application process, when we done this we got a phone call as someone pretended to be a loan officer for pnc bank telling us we were approved XXXX but needed additional information from us to move forward. So we provided our personal details cause it was our only hope and our bank of multiple years. After doing so our online banking was hacked our bills got returned that were posted and cleared multiple weeks and then withdrew out of our accounts and making all our bills past due hit with return check fees and us to be out XXXX plus dollars. Our electric got shut off our vehicles almost repoed her car now has I am XXXX now behind on my truck. Bank claims it our faults when we only used their services, how did the scammer/hacker obtain my information to even know I applied pnc or banked with pnc. Pnc will not help us out will nit refund our money instead they have been rude closed our accounts and now have us in collections, since all this happened it made all my credit cards be backed out by fees and returned payments my credit to drop XXXX points and completely turn our lifes upside down and our money has never been returned. We cant apply or be approved for anything cause our credit is shot our bills are way past due and impossible to catch back up on. We cant provide for our XXXX kids fully as we wish now, we had to get food assistance go to food drives sleep in the dark and sell multiple personal items now from all of this. We keep praying things would change but pnc bank just brushed us off didnt care turned us into collections for the amount back which was technically our hard earned money our bill money and our lifes they just completely destroyed. They are amount make me lose my truck thats leased through XXXX XXXX I need to run my business and provide for my kids.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due 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 account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar Mortgag e Company recei ved paperwork including a divorce decree and quit claim deed in  XXXX  stating that my name was to be removed from the title and mortgage but they failed to do so  Currently, my ex-wife was 21 days late on a payment (   XXXX   XXXX  ) but was never more than 30 days late an did submit a payment every month. Through a technicality, they retroactively applied the  XXXX  payment and carried over a late balance all the way into  XXXX  even though she 'd never been more than 30 days late sending them payment They are now fili ng 30 a nd 60 day late payments to my credit even though they received payment every month and my name should not even be on the mortgage as of  XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE ACCOUNTS THAT ARE NOT MINE. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT AND DELETE THE ACCOUNTS AS SHOWN BELOW. I HAVE SENT DISPUTE LETTERS ON and filed a police report XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$9600.00} {$9600.00} No. of Months ( terms ) : - - High Credit : {$9600.00} {$9600.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Charge off Collection/Charge off Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

DELETE ALL ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 


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 Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/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 XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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.
Product: Credit reporting or other personal consumer reports

Experian is reporting that I owe XXXX XXXX XXXX  on my credit report. I do not know who this company is, and I have never been in agreement with them, and I did NOT open an account with them in XXXX of 2024. Please remove this off of my credit if you can not provide me a written agreement between myself and XXXX XXXX XXXX that legally binds me with this company with my signature. Remove and delete ASAP!! 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agenciesXXXX. It requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer.
Product: Debt collection

I had a previous complaint against this company US Bank and it was dismissed without being resolved. The company continues to call everyday. Now after my first complaint, they call, hold the line and then hang up. They call from a different number each time so I cant block them. This is harassment.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXXXXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023XXXX XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XX/XX/2023, XXXXXXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/2023, XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX  Date of XXXX,
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX did not report any payment activity in the second half of XXXX. Additionally, they recently recorded XXXX for recently submitted payment activity. 

Experian then verified the information was correct despite obvious proof payments were received. I recently attempted to trade the vehicle and the dealership explained they would not accept the trade due to misinformation. I am not sure if Experian ever actually reviewed my dispute or verified the information.
Product: Mortgage

My wife and I have been pursuing a short sale on a house we own. The interest-only period adjusted on our property, and we can no longer afford the mortgage. The value of the house has depreciated to the point that it is not worth near what we owe on the house. We started the process in XXXX XXXX. We have a buyer who is willing to pay the full amount our real estate representatives calculated was a fair market price. After having all the paperwork together and all financing prepared by buyer, the mortgage changed hands from XXXX to SLS. After resubmitting everything and being very diligent with the paperwork, the closing date was moved three more times by SLS because they were not ready. This caused my buyer to re-secure financing because her original agreement expired. More inspections and appraisals followed until everything was ready by the buyer and, we assumed, SLS. On Monday, XXXX XXXX, XXXX, SLS informed me that my short sale had been rejected by the PMI provider. My real estate attourneys informed me that I needed to file an appeal. I contacted the PMI provider, XXXX XXXX, and they informed me that they did not reject the short sale, they actually accepted it with an {$8200.00} promissary. I contacted SLS about this and they did not have any record of this on file. After contacting XXXX again, and talking to another representative, they confirmed that they talked to an SLS rep named XXXX XXXX and told her that they accepted the offer with the {$8200.00} promissary. Rather than recording this offer, SLS closed out my short sale file Monday morning. This is not acting in my best interest. I would have been very receptive to this offer rather than having to start the whole short sale process over again. My buyer has been waiting around for over 8 months now, and I am in danger of them just walking away. This would result in me probably losing the house to foreclosure. At this point, we are desperate for help. SLS is not doing what the government says the lenders should to provide foreclosure alternatives to us homeowners. They had a good offer that they refused to notify me about.
Product: Consumer Loan

I called my car loan company on XX/XX/XXXX ( due date is XX/XX/XXXX, but I worked a lot that day, I am a nurse, I ca n't stop to make personal phone calls ) to ask for one month deferment ( I was never late with any payments since I got the loan, XX/XX/XXXX ). The man who answered promised that he approved XXXX time deferment as long I pay a XXXX dollars as a fee ( was very evasive, rude, hostile, condescending, but told me that in the loan conditions the consumer can get XXXX deferments, XXXX each year, later I was told different from another employee, that the deferment can be taken even two months consecutively ), the employee XXXX, ID XXXX took a XXXX debit charge ( said that it was a fee for the deferment ), but did not do the deferment ( I found out on XX/XX/XXXX when the company called me ( I talked to XXXX, ID XXXX ) to tell me that I am late paying my monthly payment. I told them what happened and they said they will fix the issue, do the deferment and just call next day and check. I did called next day, XX/XX/XXXX and the initial employee ( XXXX, ID XXXX ) who took the XXXX dollars payment answered. It was still not taken care of. I asked him how come he did not do what he promised, the deferment. His answer : " I do not know what happened ''. I believe that he deceived me initially to cause me to lose my car, so Wells Fargo Dealers Services can collect the loan AND the auction value of my car. 
I have a letter dated on XX/XX/XXXX sent to me from Wells Fargo Dealers Services that says that I made a payment of XXXX dollars, no mention of deferment. So XXXX, ID XXXX deceived me. Never had the intention of defering any payment.