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

I have become aware of fraudulent activity on my Chase XXXX XXXX card over the period of XXXX XXXX, 2021 to XX/XX/XXXX2021. 

I have itemized these transactions below, for which I, and any authorized users, have not received any benefit, service, or product from. 

XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX {$21.00} XXXX XXXXT XXXX XX/XX/XXXX {$95.00} XXXX XX/XX/XXXX {$70.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$71.00} XXXX # XXXX XXXX  XX/XX/XXXX {$96.00} XXXX XXXX XX/XX/XXXX {$74.00} XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$21.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$15.00} XXXX XX/XX/XXXX {$83.00} XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XX/XX/XXXX {$97.00} XXXX  XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$210.00} XXXX XX/XX/XXXX {$110.00} XXXX  XXXX 'S # XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX {$16.00} I believe the card used in these transactions was issued to me, in the name of XXXX XXXX XXXX. This is a variation of my own name, and is my own card ( My mothers maiden name is XXXX, and my first name was apparently misspelled by Chase several years ago when this card was issued ). 

This card was being carried in my back-up wallet, which I believe was lost at XXXX XXXX on XXXX XXXX, 2021, and for which I have filed a Police Report. 

I would ask that Chase begin an immediate investigation into these charges and issue a temporary credit for them, in the amount of {$2300.00}. I also ask that any associated finance charges and fees also be suspended or credited. 

Additionally, I would like to review a copy of the merchant sales slips ( digital or paper ) for these XXXX transactions, so I can compare them to my own recorded signatures. If there are any other available transaction records for these XXXX transactions, I would like Chase to obtain them as well and provide them for my review. 

I believe all of these requests are within my rights as a cardmember and consistent with the Fair Credit Billing Act.
Product: Bank account or service

I'be submitted a complaint about how deceptive this bank is now charging me overdraft fees for transactions that do not match my transaction history, now all they can tell me is that they ca n't do anything about it. I am sick of this bank, and sick of filing complaints and playing phone tag with its representatives. I just got off the phone with XXXX a customer service associate and as per usual I was told the same thing I have always been told ; " There 's nothing I can do ''. When I asked for her name, she refused, so I asked for a manager and spoke to XXXX, and I asked for her associates name XXXX. I ask XXXX NOT to waste my time by trying to prove me wrong, I asked her NOT to be disrespectful and speak over me, and she did both. I am opening an account under my mattress, I 'm SICK OF DEALING WITH A DECEPTIVE BANK!!!!!!!!!! 

I just want my {$70.00} fees waived asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a recent victim of identity theft and after consulting with my legal team and contacting the CRAs, I was told to file an FTC report. I went to my local police department also and they said that is out of their jurisdiction so I was not able to get a police report but I did get an FTC report which is attached down below. I also have different addresses and employers on my report as well. I have already mailed each CRA as well via certified mail and provide each CRA the full authorization to investigate and block these account at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX. This account is already closed. This is in violation of FDCPA Section 805 ( a ) ( 3 ). Prior to submitting this complaint, I have sent over 3 letters to the Buraus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Debt collection

I told these people by phone, not to call me ever again about three months ago. I also reminded them of the law that makes it illegal to repeatedly call and harass, after they have been told to stop. They asked me to send them a signed, written notification, which I did. I told them I was aware of the debt and would start paying as soon as I could. They continue to call.
Product: Credit card

An Apple Card representative at the XXXX XXXX convinced me to purchase a watch there at the store and apply for the Apple Card. Their Rep did NOT give me correct or true information about receiving bills and payments etc. I never received 1 bill by mail or by email. I was seeing a monthly payment come out of my Apple account of {$14.00}. I assumed this was the watch payment. Eventually I was given a 30-day late reporting on all 3 credit bureaus. After speaking with an Apple Card Rep. and finding out that they were in fact sending statements to the WRONG EMAIL and were NOT sending me statements through the mail, I missed a {$10.00} payment which they reported to the credit bureau. After figuring this all out with their Representative back in XXXX of XXXX  and explaining that this was in fact due to the incompetent or morally comprimised customer service rep at the appe store who only wanted the commission he received from taking me into a credit card which I did not need, taking the wrong information and not truthfully or properly advising me that with the apple credit card, they automatically sign you up for " paperless billing '' and that i would never receive a bill. He also did not get my email address that I use in order to Email my bills to me so that I would receive them. When I spoke the the Apple Card Rep, she verified this, spoke to a manager and came back on the line telling me the 30-day late reporting would be removed and when I asked for written confirmation she said they do not provide that but instead would give me a " report # '' for my proof. You recently investigated this but they are lying and stating they never said this and that the report # is basically their proof that they were NOT going to remove the 30-day late. They are being dishonest and this is unfair to the consumer. I have closed that account as I will never use that bank or credit card again. They have the option to make this right and they are refusing to do so. I was deceived by the XXXX XXXX XXXX who either lied or madea mistake in not informing me of how this credit card works, he got the comission for signing me up and I got my credit rating damaged for 7 years over a {$10.00} payment. This is absolutely WRONG and immoral.
Product: Debt collection

This debt collector has appeared on my credit report, however, this is not my medical debt as I have never received a XXXX nor owe any type of medical debt. Furthermore, I have never received any type of correspondence from this debt collector as I do not owe such debt.
Product: Debt or credit management

i used them to fix my debt criedit repair in many ways douring my repair creidt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602-A : States I have the right to privacy. 15 U.S.C 1681 Section 604-A : Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I am trying to buy a condo for the sale price of 215,000. I applied for a mortgage with Quicken-loans/Rocket mortgage. I was pre-approved for a 30 year fixed with 30 % downpayment. My conditions to meet the pre-approval are that I have excellent credit, little to no debt and 200,000 in liquid equity. I am a XXXX XXXX  1099 employee of an industry destroyed by COVID conditions XXXX XXXX XXXX. Ultimately, i would use my XXXX income from a XXXX that was finalized this past year. It is my understanding that the decision to use XXXX as income would be valid, if i could prove consistency via a written/agreement or 6 months payment or credit worthiness of my payor. I provided XXXX decree, bank statements and checks. I had a special situation in the last 6 months of payments and provided documentation. I have been receiving check payments delivered via USPS. Much of my mail within the last 2 months has been returned to sender undeliverable. I have and documented communication filing a complaint with the USPS. Their answer to the complaint is that due to COVID, they are understaffed. I also provided documentation from My ex-husbands bank account that the checks were issued and returned to sender via USPS. My income without XXXX  is based on unemployment in 2020 and as a 1099 employee of a growing business that doubled in income for 3 previous years. The alternative suggested to this is that I take on a cosigner like my father or brother. At some point this decision was reviewed and made to not lend me XXXX  without having my brother of father co-sign. I do realize that if I was still married my husband could equally own my property and cosign a mortgage loan with me. I do not believe that I am being fairly considered for a mortgage.
Product: Credit reporting or other personal consumer reports

Equifax, Subject : Dispute Regarding Deletion of Account I am writing to formally notify you of a dispute regarding the reporting of an account that I believe should be deleted from my credit report. The account with XXXX XXXX XXXX was previously reported as a fraudulent account, but I have received confirmation from the creditor that they have agreed to delete this account from my credit report.

15 USC 1681 of the FCRA states that you must report accurate information. 

On Approximately XX/XX/year> I contacted CFPB who mediated communication with XXXX XXXX XXXX regarding this account, and they confirmed that due to fraud they would delete the account from all credit reporting agencies. I have attached a copy of the correspondence from XXXX XXXX XXXX confirming their decision to delete the account. 

Given this agreement, I request that you take the following actions : 1. Verify Deletion : Please verify that XXXX XXXX XXXX has initiated the deletion of this account from all credit reporting systems.

2. Update My Credit Report : If the account has not yet been removed, I ask that you update my credit report accordingly to reflect the deletion as agreed upon by the creditor. 

XXXX. Confirmation of Updates : Once the account has been deleted or updated, please provide me with confirmation of the change to my credit report. 

I appreciate your prompt attention to this matter. I expect a response within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Attached are passport, proof of address for identification Thank you for your cooperation. 

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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX 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  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX  the XXXX of XX/XX/year> I reached out to PayPal about a limitation on my account. I explained to the representative that I didnt have the information that they were asking for. They were asking for my supplier ( which i do not use a supplier ), as well as my LLC. I explained that I had just started as a sole proprietor and am currently waiting for my LLC information to come in. The representative said that they could lift the restriction as I get my LLC documentation which they have documented as XX/XX/XXXX ( which it is currently XX/XX/XXXX ). The rep said that it would either be lifted the same day ( the XXXX ), or by the XXXX at the latest. When the next day came, it was not lifted and I still did not have access to my money. I called PayPal again, to which they told me that my account was still in review. I explained that I was going on a trip and had no access to my funds. I went through the trip without the money, but still remained patient. 2 days later I have an update requesting the same information that I said multiple times that i DID NOT have, and so i call them again. The next rep that I speak to says that he can ask that Paypal 's back office lifts it ( same conversation as the first day ), and that it should be lifted within 48-72 hours. I receive an email asking for the same information and i am back to square one. i DO NOT have the information that they are asking for. Now i am in a situation where my bills are completely BEHIND and they could care less. they refuse to release MY money to me. I call today, and at this point I am passed livid. The rep that i speak to today tells me that there is nothing that they can do, and basically will not be releasing my funds. MY funds. I have not been able to pay anything at all and this is ridiculous!
Product: Credit reporting

Inquiries were removed and re added without notice or reasoning. 
XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied to Shellpoint Mortgage for a forebearance due to XXXX situation which affected my income. 
I was assured no negative marks would be reported to my credit and that it would not affect my credit in any way. 
I was making partial payments along the way from XXXX XXXX. 
In XX/XX/XXXX I notified Shellpoint Mortgage that I had started earning income again and wanted to start making regular payments at which time they approved a loan modification but did not reduce my 6.875 % interest rate. 
Instead, the tacked on the interest payments I was behind on and my payment went UP instead of down. 
They delayed in sending out my loan modification package for 2.5 months. I did not receive the package until XX/XX/XXXX, after several phone calls I made to remind them I was still waiting on the package. 
I signed the modification and made my first high payment in XX/XX/XXXX and have not been late since. 
In XXXX of XXXX I applied for a refinance with another lender so that I could reduce my 6.875 % rate to 4 %. To my surprise my credit report shows that I did not make any payments at all from XX/XX/XXXX through XX/XX/XXXX. I then asked Shellpoint to make this right and fix my credit file AND to fill out a XXXX XXXX XXXX XXXX XXXX  ). I called for 3 weeks until I finally received this form ( see attached ). They reported I am delinquent and have multiple late payments. 
This has ruined my chances of getting a lower payment as I was approved for a 4 % rate subject to Shellpoint providing a satisfactory XXXX. 
This is not what they promised and I can not afford this high rate of 6.875 %. I don't want to lose my home. 
Please help me resolve this by getting the XXXX to reflect the account is in good standing and there are no late payments. 
Thank you. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

Yesterday I received an email from XXXX who works for cash app, stating that I need to submit another copy of the affidavit with death certificate so I did through the portal. Except all this information was sent prior so why do I have to keep sending the same information over again. I want this issue to be resolved so I can move on from this. Why aren't they giving an answers on either account? 
account # XXXX account # XXXX
Product: Debt collection

Debt is not verified. We do not have a pud rider on our house. A HOA can not charge fees. HOA did not even register with state until three years ago. We have asked for verification. Did not provide. This debt does not exist and is not valid. We provided this info to collection company, just ignored.
Product: Vehicle loan or lease

I reached out a couple times over the years to explain to them that the car was my ex spouse and when he left me he took the car so I would like to set up a payment plan and they take it off my report
Product: Checking or savings account

There were four unauthorized transactions made on my checking accout with Bank of America.These four unauthorized transactions were taken by XXXX as a XXXX member fee from XXXX to XXXX. However, I have never applied as a XXXX member for XXXX. I have also never received any email from XXXX notifying me that I was a member, until two months ago when I received an email from XXXX asking me to renew my payment method by paying the membership fee. They took my money from my account without informing me, which is completey fraudulent and unauthorized. 

I have already made a claim to the Bank of America, however, they said that these four unauthorized transactions were over a year old, so they are unable to refund the money to me. This is unacceptable, as these were unauthorized transactions, which I possess the ability to dispute. I did not mean to delay my disputing since I did not know XXXX would take my money from my account without my permission, until I received the email two months ago. Bank of America should protect their customers and help me get my money back after it has been unethically taken away from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After seeing recent media on hacks on the American public information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

These accounts are inaccurate and should not be on my credit report. 

XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX. 

These following companies below have put unauthorized inquires on my credit report. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX I opened an account with Chase Bank for Direct Deposit of employment. This account was always in good standing since the day it was open. As of XX/XX/XXXX my account was locked due to fraudulent activity that was not authorized by me. An amount over {$2000.00} was fraudulently transferred into my Checking Account at the time with Chase Bank. On the same day of this activity, I called Chase Bank and spoke with a Teller whom asked me a few questions about my account and why I had this amount in my account. The teller I spoke with gave me a hard time, but  eventually he helped me. After my account was closed, I received a statement in the mail from Chase Bank to make a payment of {$240.00} due to the fraudulent activity that was done on my checking account. When I called back to speak with Chase about why I was responsible for paying an amount of something that I was not at fault for, they simply told me that I should have not lost my card. In the year XXXX, I went to visit a Chase Bank and tried to open my account again, but due to it being closed they told me they would no longer do Business with me anymore. When asking why, they simply said they could not disclose that information. No one would help me to understand why I was responsible for paying {$240.00} and why I could no longer open an account with them. Years later after changing jobs in XXXX I tried again and they told me that same thing and even said the same over the phone. In XXXX I attempted to go into the Chase Bank Branch to get more information on how I could open an account with them again, and they said the same thing. They would not do Business with me anymore and they not disclose any information with me. As of now, I would like to open an account with chase but due to this hold on my credit or name for which I am not at fault for, I can not start the business that I would like to start as well as building my credit. I'm a XXXX  as well as an employee whom is looking to have her own Business, but I can not do this if Chase Bank is going to be in the background of my credit. Purchase a car, a house but I just would like to have this cleared off of my credit or is possible my name. My future is everything and if my credit is affected by this, what can I do? No one should have to ever go through this with any bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a credit dispute to Experian last week. Sent the letter certified to know when it would arrive. It arrived on XX/XX/2021. The company claimed to have contacted all the companies in dispute and was to show proof of how dispute was investigated. They refuse to do so when asked. Also, company claims they contacted creditors and did a thorough investigation but that is a lie. They just took my letter and then 3 days later, sent me a " dispute completed '' but showed NO evidence of anything and also did not show any updated or other information as well. It takes 30 days for a full investigation and to get results. Experian is always telling stories about investigating and never do. They are causing harm and making life hard for people trying to dispute and refuse to help people.
Product: Checking or savings account

In XXXX of XXXX I had deposited a check into my chase bank account the funds had went on hold and when they were released in XXXX of XXXX I went to use my debit card and was having issues I then went into a branch where I found out my account was restricted since then Ive been trying to get chase bank to release my funds its now XX/XX/XXXX and I want to now close my account which has become a hassle because they refuse to close my account.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some unauthorized inquiries. I have attached my FTC report to this complaint to prevent further stall tactics from Transunion.
Product: Credit card or prepaid card

On XX/XX/XXXX, I closed my secured Citi card ( # XXXX ) and was advised that it would take three weeks for the refund to process back to my account, after which I would receive a paper check. I called in last week on XXXX and was informed that this was the date ( XXXX ) that i would receive the money back.

However, I called in today and was informed by another rep that it would take upwards of 2 business cycles and 60 days to receive the funds back, despite assurances from a previous rep and supervisor that I would receive it on XX/XX/XXXX. Now I am concerned that my funds are being fraudulently withheld by Citi Bank.