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

When I was abroad, I bought bus tickets using my credit card and manually input my name in their system. They assigned me seat numbers and printed my name on the ticket as you can see on the documented tickets that I 've provided ( Original1 and Original 2 ). 

I did not bring my ticket the next day, but thought it would be fine since they had it in the system. However, the company refused to print me out my other ticket and forced me to buy another, as the bus was leaving at that moment - as shown in the next provided document ( Ticket 2 ). 

When explaining this to my credit card company Chase, they not only had difficulty finding my charge on multiple occasions, but when they refused to contact the merchant to dispute the case. Furthermore the first representative said that I 'd be mailed something, but nothing ever came. The second representative said that the case was already closed and then reexamined the case, but merely agreed with the first rep 's conclusions. 

The travel industry is such that when personal information is used to identify a passenger along with a credit card number AND the information is stored within the network, companies have the ability to print out an additional ticket. Therefore I was essentially charged twice ( and the second time there was a higher charge ) for the same product. 

I then requested to speak to a customer service representative to see what options were to cancel my card as I was getting frustrated. The customer service representative, in an effort to salvage the relationship, then connected me back to the disputes department. I did not have any further time to discuss this issue, as I had been on the phone ( back and forth ) for over an hour and finally decided to write to the CFPB. Thank you very much.
Product: Credit card

Hi, XXXX XXXX. XXXX. My personal information was compromised during a home burglary and then, used to open three fraudulent accounts with XXXX XXXX ; using My Name, SSN & DOB, along with various fraudulent addresses, while I was overseas, serving in the XXXX XXXX. PLEASE help. Thank you again!
Product: Credit reporting or other personal consumer reports

I have submitted complaints via CFPB and the XXXX regarding difficulties with the XXXX XXXX XXXX XXXX XXXX. I applied for a credit card with the company on XX/XX/XXXX. The company rejected my application stating that they were unable to verify my identity. 

XXXX in their terms and conditions list they may request additional documents to verify identity such as Driver License, etc. The company did not request these documents just stated my identity did not verify. I called the company and spoke to an underwriter after my rejection. The underwriter, XXXX, confirmed that all of the details I provided matched my Experian credit report. Because this information matched and it was the only report the company claimed to use in my initial denial rationale I assumed I would be approved for the card. However, I was rejected again immediately for the same reasoning : identifying documents do not verify. 

I called XXXX and asked with which entity does my identity not verify. I was told they will not provide me this. So, I complained here with the CFPB and the XXXX. After rejecting there feedback with the XXXX as they claimed I asked for identity information details, which I did not, I advised that I only asked which entity was utilized to 'verify ' my identity so I could ensure they had accurate information. 

My identity is verifiable to the SSA ( social security administration ), Homeland Security/TSA ( as I have global entry ), BMV, DOT, and many others being my driver 's license and passport also show my identity. My credit report also verifies my identity. However, whatever third-party entity the bank is using is outdated and I can not figure out how to ensure the information they have is accurate because XXXX will not disclose how they were able to obtain this information. 

Under the FCRA I am entitled to this information from my consumer file. I have complained if they feel that they can not truly verify my identity ( which is verifiable in many ways and is verified by several government entities ) then, they should at minimal revoke the hard-pull to my credit report. Which the bank has also denied to do. 

This company, if it not being intentionally discriminatory within it's policy/practice, is not being transparent or acting within good faith to allow consumers their financial information and ability to understand their credit-worthiness and abilities to obtain lines of credits with banks. Not being transparent about this is why these consumer protections exist and I urge the CFPB to review this case and take action.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX.

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has v

iolated my rights according to 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  ( ORIGINAL CREDITORXXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( ORIGINAL CREDITORXXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX ; * Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Mortgage

I have a current mortgage thru Beneficial Financial/HSBC. I have been trying to refinance it thru a local bank to get a lower APR. I have been going thru this process since XX/XX/2017. My local bank has been trying to get information from Beneficial about my mortgage and not getting anywhere. They asked me to contact them, hoping that me, the customer, would have a better chance. 
So on XX/XX/2017 I contacted Beneficial Financial/HSBC due to the current bank I am trying to refinance with being unable to get Beneficial to respond. Upon talking to a Beneficial customer service representative over the phone, I learned that they had received the request from my bank for the Mortgage Verification, but they would not process it for 30 days. While having them on the phone, I requested a copy of it be sent to my home address as well. The rep. let me know they would do that. 
Today, XX/XX/2017, my bank informed me that they contacted Beneficial to find out why they have not received the Mortgage verification. They were told it was rejected due to it being electronic submission and that they would have to mail a copy to them to be processed. It would take an additional XXXX. At this rate of response, it will be the middle to end of XX/XX/XXXX before I am able to have my refinance completed. 
My complaint is simple, how are consumers able to deal with this if they are in a financial situation and a financial institution is not responding, or responding slowly. In todays age of electronic means, this should be a simple request. This is putting unjust restraint on information that most financial institutions require from each other and could be causing further hardships on consumers. In my case, I am trying to refinance to lower my payments to avoid financial difficulty. I have also read over XXXX reviews from the Consumer Affairs website stating similar experiences and even Beneficial not signing off on the lein after payoff. This has me worried that I am heading down the same path as so many others have.
Product: Checking or savings account

I filled out all information to open an new account, however, they refused.
Product: Debt collection

I have made several formal written request to Portfolio Recovery regarding two collection accounts that can not be validated. They are in the amounts of {$1200.00} and {$600.00}. the original creditors are XXXX XXXX and XXXXXXXX XXXX. My last dispute was in XXXX of 2018. They have not been able to provide me with any type of signed document from the original creditors showing that I owe this dept. This is required under the FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Also they are still reporting every month to my credit report witch under the 611 ( 5 ) ( A ) states that if they cant provide me this information they must Promptly Delete It. I feel like unless I am going to take them to court, they can do whatever they want and theirs nothing more I can do. Please Help me with this,
Product: Mortgage

I recently sold my XXXX residence. I went through the whole closing process on XXXX/XXXX/15. My mortgage company on that loan still shows a payment due XXXX XXXX & still shows a principal balance of {$130000.00}. I usually would n't take this approach this soon in the process, but my mortgage company ( Nationstar ) has XXXX in the past with a lender placed insurance scam. Long story short I have called and been on hold already. The previous experience I spent hours probably days on the phone with Nationstar. There was no resolve until the CFPB got involved. Thank you for the help!
Product: Debt collection

LVNV Funding received notice the end of XX/XX/XXXX advising that the account that was in their possession was not opened by me. It is now XX/XX/XXXX and they refuse to remove the account. I have been negatively affected and denied for product due to this issue.
Product: Student loan

My son and I continued to be call by a Navient auto-dialer about every three hours on our mobile phones.We have both spoken to an actual Navient representative last week and yesterday about the situation. My son is current with his payments. I even made an extra payment on his account. They have been made aware of the problem yet we continue to get auto calls about our payment being late. I started getting them at my work number today. I 've had enough! How can we make them stop?
Product: Checking or savings account

Chase sent me a mailer promotion in XX/XX/XXXX, which stated a {$900.00} bonus deposit for opening both a checkings account with a direct deposit added and a savings account with a {$15000.00} deposit within 90 days of coupon enrollment. It states a bonus of {$300.00} for the checkings account, {$200.00} for the savings account and an extra {$400.00} for opening both and meeting all criteria, for a total of {$900.00}. 

I received the mailer in XX/XX/XXXX, signed up and opened both accounts at same time ( XX/XX/XXXX ) online with the same code ( code on mailer ) for both accounts. Opened these online at same time. 

I linked my direct deposit and the first direct deposit to this new checkings account entered on XX/XX/XXXX. The {$15000.00} to savings entered the savings account on XX/XX/XXXX. 

On XX/XX/XXXX I received the {$300.00} for checkings and the {$200.00} for the savings but never received the extra {$400.00}. The first time I called Chase, they said this is still in process and all I need is to wait. 

Patiently waited a week, then called again. Rep was very rude and said nothing she can do. She said I didnt meet criteria. 

Called a week after that and was escalated. Case was opened and Id get a call back with an answer. 
Week later, no call. I call them back and rep says the waitlist is long and could take up to 2 weeks to get that call back from escalation team.

2 weeks?! Sounds terrible but what can I do at this point. So I wait. Couple days after that, its XX/XX/XXXX at this point, I get a call and the rep is checking my account. Says I apparently used 2 different codes when I opened these accounts at the bank. First off, I opened both online, at the same time, with same code. I get put on hold. 

She comes back and says I didnt meet the criteria for the additional {$400.00}. As far as I can tell, and Ive read the fine print, its the same criteria for the {$300.00} savings bonus as it is for the extra {$400.00}. So if I got the {$300.00}, I should get the {$400.00}. This explanation has no backing or they missed adding info in their mailer if thats the case. 

Lastly she says that the promo code I used was not for the {$900.00} bonus, but only for the {$300.00} and {$200.00}. She said the {$900.00} bonus was not implemented until XX/XX/XXXX. Thats also incorrect. I kept the original mailer for this very reason. It clearly states a {$900.00} bonus. 

Chase has offered to give me the additional {$400.00} bonus if I keep the funds in account for an additional 90 days. That is not an acceptable solution. Ive learned my lesson working with Chase and its not been positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them my updated Driver 's license, utility bill, and SSN card. However they are using stall tactics to keep errors on my report. They are violating my rights.
Product: Credit card

I opened an identity fraud claim with a capital one stating that I never opened that account and adding that I was hospitalized at the time of the account opening which makes it impossible for me to open that account if I was in a coma. I provided hospitalisation documents as well as police reports and clearly explained the severity of this case. They were very unprofessional so they stopped correspondence with me and then all of sudden reported the account to the bureaus damaging my credit history badly and also did it in error by charging it off. I demand that are held responsible for their action and removing any negative remarks from my name because I have all the proof to go after them legally if I wanted to.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies delete the disputed inquiries completely from my Credit report and stop their erroneous reporting. I previously sent a letter addressed to the Credit Bureaus with the same message, requesting the removal of the unauthorized inquiries. I also previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXX. XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

Facts : 1. I have never activated my card ending XXXX 2. I have not authorized any charges on XXXX XXXX on my card ending XXXX a. XXXX XXXX {$1000.00} & {$6000.00} bXXXX XXXX XXXX {$8000.00} cXXXX XXXX XXXX {$3000.00} & {$4000.00} 3. I informed you about the fraudulent charges as soon as I found out.

4. I did initiate the charges on the following charges on the card ending XXXX as a replacement for the card ending XXXX after filing the report 5. I've also made the payments to cover my charges : 6. The card ending XXXX was sent to my business office, which we shared with the owner of an LLC called XXXX. However, I've asked the owner multiple times, and he confirmed that he had never seen my card or made any charges. I doubt someone had my card and info there, but I'm not sure. 

Clarification : 1. Looking at the police report, number XXXX, I noticed the sentence At no time did Ye open a line of credit nor gave anyone permission to. Please be advised the narrative was prepared by the police officer after my visit, so I had no visibility on why he added that sentence. As you can see in all my documents and testimonies, Ive never denied the fact that I opened the Credit card. 
2. I have never received a card ending XXXX nor authorized anyone to activate or use this card. 
3. Card ending XXXX was sent to the office address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 4. I discovered the charge while I was using Online banking and called XXXX at Chase right away to dispute the charges and asked Chase to update the mailing/ billing address from my office to my home. 
5. Card ending XXXX was issued to XXXX XXXX and mailed to my home address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 6. Card ending XXXX was activated by XXXX XXXX. And we recognize all the charges on that card. Thats why we are not disputing those charges. 
7. XXXX and I can confirm that we never made the charge of the {$22000.00}. 
8. XXXX and I have not been in the office since the pandemic since all of my work can be done remotely now. Therefore, theres no way we had obtained the card and committed charges. 
9. As I mentioned above and in the police report, I suspect my neighbor, XXXX XXXX, who resides in the same office made the fraudulent charges since he owns an LLC named XXXX. However, Ive asked him several times since the incident ; he said he never touched any of my letters or documents. Since now Chase has the police report, I would love to see if there are any actions Chase can take to investigate. It is very important for me to know if I can continue to trust and work with my neighbor.
Product: Prepaid card

I didn't receive my benefits during the pandemic, I just noticed that the funds were paid out, contrary to receiving a notice that my account was on hold until verification procedures could clear them up from Bank of America and the XXXX, but now I seen all my payments were made, to a card that I never received, never verified or completed the protocol of video chatting with a live representative or facial recognition that is required for the authorization to receive my benefits
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I recently pulled my reports and noticed a company by the name U S AUTO CREDIT is reporting incorrect information on my credit profile. The alleged debt is being reported by XXXX as " Closed '' but by XXXX as " paid on time '' how is a closed account being paid on time? Both can not be true, Because the payment history being reported by XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Vehicle loan or lease

I had a car contract with US auto sales. My car was in an accident, and I filed a claim through XXXX XXXX, which was the insurance company that US auto sell used. US auto sales failed to pay the premium which caused my claim to be closed. I contacted US auto sales multiple times in attempt to get this taken care of as they had already sent out the adjuster and my car was supposed to be getting paid for. Some kind of way US auto sales sold their company to a debt collector and now I cant get any help. They wont honor what US auto financing was supposed to do. I also had issues with having to pay double when I had already paid and my car being cut off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 153 consumer credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

USAA Acct # XXXX XXXX XXXX XXXX USAA Acct # XXXX XXXX XXXX I'm writing because I noticed USAA reported late payments and utilization information on my consumer reports. I am requesting that these experiences/ transactions be removed from my XXXX XXXX XXXX and XXXX consumer reports. 

According to the FCRA 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) - Definitions ; rules of construction.

Section 2 - Exclusions states : Except as provided in paragraph ( 3 ), the term consumer report does not include subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer ( me ) and the person ( USAA ) making the report.

Congress clearly states the reports of transactions and experiences are not included in the consumer report. Therefore, USAA has violated 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) by reporting these transactions/experiences on my consumer report.

As I stated before, I am requesting USAA update my utilization to 5 % or below or delete all utilizations and late payments from the below account. 

Thank you for your time, XXXX XXXX