23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXXXXXX and XXXX XXXX Bankruptcy-dismissed Reference : XXXX
Product: Mortgage

Specialize Loan Servicing applied the {$1000.00} payment I sent XX/XX/2019 to the wrong account. I contacted SLS in Mid XXXX to correct the issue. I contacted them again on XX/XX/XXXX and XXXX. On the XXXX the agent told me the account error had been corrected. When I received my XXXX statement it indicated that the accounting error had not been corrected so I again called SLS.  This time the agent informed me the the error had not been corrected but was under review. Throughout this process they had asked me to send, via email, evidence of the payment being made. Four separate times I sent an email with the cashed check image attached and a corresponding " email received '' notification back from their address ( XXXX  ). During the last time I sent the email I noted a hand written account number ( XXXX ) on the cashed check. It was obviously a SLS mortgage account number but was not my account number. I called SLS, discussed the issue with the agent and gave her the account number. She looked at the account, stated that my payment had indeed been applied to that account and that she would issue an account correction that would take 3 days to process. Three days later I called back, again discussed the issues and was informed by the agent that the account was still under review. 

The difficulty correcting this issue caused me to refinance my home mortgage with a new company. Closing took place 2 weeks ago, I am currently waiting for SLS to send me the payoff statement, refund the escrow balance ( approximately {$2000.00} ), and refund the {$1000.00} XXXX payment plus the associated fees they charged for " late payment. '' All resent attempts to contact their customer service have resulted in extremely long wait times that eventually end with and automated teller saying " we are currently closed for a company meeting. Please call back in 30 minutes. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX  would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.
Product: Mortgage

In XX/XX/XXXX I talked to Freedom Mortgage about possible forebearance due to my health issues. Nothing was ever discussed as to what will happen at the end of my forebearance period. I had surgery on XX/XX/XXXX in which I couldn ' t go back to work for at least eight weeks. Freedom Mortgage went ahead and set me up for the forebearance until XX/XX/XXXX. I recieved a letter stating I had a certain time to pay the balance of {$5900.00} or my house could go into foreclosure if I don't call them. I called and spoke to an agent in their " forebearance group '' and had 3 choices. 1st one was pay it up front within 3 months with present monthly payments, 2nd one was payment release where its a loan modification and I start the whole underwriting and refinance to their discretion, or 3rd one was mortgage recovery advance where I pay later. 
My problem is that the agent told me I might lose the interest rate of 2.75 %, that it was totally up to the underwriter. I want to make sure that this doesn't happen as I just refinanced this last year to get the low rate. I also don't want this affecting my credit, because of the no payments for 6 months. I have sent them a {$1000.00} payment for XXXX even though it wasn't posted on my current statement. I had to call and verify it because at this point I don't trust this institution. I shouldn't have late charges either but there is {$120.00} charge on the statement as well. 
I support a family of XXXX and can't lose my home, as I have been very obedient in making payments since I have owned this in XXXX. I don't know where else to trun to get assistance in this situation. Thank you for your time..
Product: Checking or savings account

I recently deposited a mobile check for XXXX from a friend at XX/XX/year>. I woke up the next day with my checking account gone and all access to my funds. I tried calling Citibank and they gave me no answers. They just told me they closed the account and gave me no reason to why. Told me to wait 60-90 days for them to mail me a check. I looked into it and had no idea that the check was fake. My friend ghosted me and I was scammed. Now my account is closed and Citi refused to see my side of the story or even try to help me. I been with Citi for 12+ years. This really hurts from a friend and a business that I trust for a long time. I contacted the Executive Response Unit for citi and they gave me the case # XXXX.
Product: Checking or savings account

For informational purposes, this is a joint account of individuals XXXX XXXX and XXXX XXXX, a married couple. 

Chase Bank authorized XXXX fraudulent transactions. Here below the events dated : On XX/XX/2024 - Debit card was reported Lost/Stolen to Chase Customer Service New card/number issued and mailed by Chase On XX/XX/2024 Package was reported by USPS as available for pickup ( Tracking Number : XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/2024 XXXX went to the USPS Office and the package was not available for pickup On XX/XX/2024 A claim was open with USPS ( Service Request Number : XXXX ) regarding lost mail On XX/XX/2024 XXXX XXXX went to the Chase Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX and reported the new card/number was lost Chase issued a replacement card with the same number * ( This was their mistake and the root cause of the fraudulent unauthorized transactions ) On XX/XX/2024 The replacement card was received On XX/XX/2024 XXXX XXXX received a text about a suspicious fraudulent transaction On XX/XX/2024 Transaction was reported as fraudulent On XX/XX/2024 XXXX XXXX and XXXX XXXX called Chase claims department to report XXXX unauthorized fraudulent transactions made on XX/XX/2024, for the amounts {$100.00} and {$190.00} at XXXX # XXXX and XXXX # XXXX in XXXX and XXXX XXXX  On XX/XX/2024, XXXX XXXX and XXXX XXXX received a notification from Chase Bank indicating that their investigation concluded the transactions were not fraudulent and were authorized.
Product: Credit card or prepaid card

Request for a check refund not a credit refund from Chase credit card Hi, I have a chase freedom unlimited credit card, which I used to purchase a concert ticket ( XXXX - XX/XX/XXXX ). Concert was canceled so they refunded me - {$630.00}. This refund was initiated XX/XX/XXXX. I checked Chase website for their refund policy - see link and attachment. And to make sure I can get a check refund instead of a credit refund, I called Chase to confirm - the lady said yes, when you see the refund in your account, just call us so we can issue you a check. 

this is the link where it says - I can request for a check refund and attachement as well : https : //www.chase.com/personal/credit-cards/education/basics/how-refunds-and-returns-work-on-credit-cards XX/XX/XXXX came, refund came but Chase did an auto credit refund. I called 3 times and even requested for a manager - they said we can't issue you a check refund because you used the credit card and you have a balance. No manager was available ( since it was covid ) and no one tried to call me even if I requested for it. 

I called them again today - XX/XX/XXXX, spoke to 3 people - including a manager ( XXXX ) - He said there are no options to send a check refund because I have an outstanding balance. He said it is a system thing and that's how credit cards work.I have nothing against the employees - but this is a different scenario - My question here is. Why did they put it in their website that they can issue a check refund as an alternative? Can't they make an exception - with what is going on in the world right now? They should be able to override this. Chase is not a tiny credit card company. 

Really Disappointed, XXXX P.S. I have a very good credit score and I am not a difficult client of Chase. Before this happened, I was ready to open a bank account with them - now? - no thanks!
Product: Student loan

On XXXX Mohela agreed to allow me to do a payment plan for 6months of XXXX starting on the XXXX XXXX XXXX. That is a payment that comes out of my account automatically the beginning and end of the month. Confirmation of that agreement and call is XXXX. I checked my account today XXXX and I have 2 missed payments meaning 60days past due for the same account. When I was told when I set up a payment plan my account will not be past due anymore. I have a past due balance of XXXX and a current balance due of is XXXX. Which has a total payment due of XXXX. 
Im not suppose to have anything past due. This is showing up on my credit and it is now affecting my job. I was informed inaccurate information. And I am requesting on what is showing on my account now. There are 5 loan accounts affected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I was not informed that my payment plan would not cover my loans with Mohela so its fairly odd that Im paying auto-pay to these accounts but is still past due.
Product: Debt collection

This is not my debt. IC SYSTEMS continues to report it to the credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I submitted an application to American Express ( AMEX ) for an American Express Business Platinum Card. The amount was not determined. On that same day, my consumer report ( credit report ) was accessed by AMEX. After checking the FCRA, CFPB, U.S.C./CFR, and AMEX SEC filings, I began to reach out to Investor Relations Division, then specifically asking for the Chief Risk Officer, XXXX XXXX via voicemail. Not response has been given. Issue : According to the FCRA ( 15 U.S.C 1681 which holds authority under 16 CFR 602 ) denying or causing negative impact to a consumer report is adverse action ( section 603 ). I had not expected my credit report to be requested via third party because I offered my SSN. I was never notified of any adverse action information including ( 1 ) name, address and number of CRA ( 2 ) statement that CRA did not make this adverse action ( 3 ) Report is accessible for AMEX by CRA for 60 days ( 4 ) The right to dispute the information obtained by CRA. ( Section 615 ). Section 605A ( h ) has limitations imposed for obtainig a report for certain circumstances, including to establish new credit for a consumer. These are the deceptive and fraud acts spoken to be prevented by the CFPB in the AMEX SEC Filings. On page 17 of AMEX SEC Filings under the Consumer Financial Product Regulation states it is authorized to collect fines require consumer restitution in the event of violations '' ... ... '' promote availability of financial services to underserved consumers and communities ''. I am looking to speak with someone to receive remedy.
Product: Mortgage

The Covid Forbearance Plan for which I was approved, expires on XX/XX/2022. BB & T and I have enjoyed a cordial informative relationship until XXXX XXXX XXXX  and today, Wednesday, XX/XX/2022, on which both occasions I received misinformation by from their representatives, XXXX, on Friday and today, XXXX. 

Yesterday, XX/XX/2022, I received a letter, dated XX/XX/2022, concerning my loan and the options available to me. After reading and consulting with one of the housing counselling services provided, I decided to call the bank to put my choice in place. It is on that occasion that I spoke to your representative, XXXX who contradicted the information laid out in the letter and that which was provided by the housing counsellor. He became irritable, subsequently hanging up the phone, when I highlighted the inconsistencies and ask for a copy of the transcript of our conversation. ( The transcript will demonstrate his contradictions in the call and unprofessional behavior ) Examples of the misinformation which he later corrected but insisted it did not say included the following : 1. My forbearance plan was not eligible for extension which he later corrected to say, I have a further XXXX should I need to extend. 
2. Telling me he could not provide a written record of our conversation. 
3. Creating confusion about the option of placing the missed payments to the back of the original loan agreement, which would become due when the original loan maturity due date occurs, or the loan is paid off via refinancing or selling of the property. This was confused with the repayment plan option. 
When I brought to XXXX  attention that what he was saying was inconsistent with the letter I received, and that I required clarity, he became very rude saying I was preventing him from telling me about the plans. 
In the incident with XXXX, I asked addition questions about each option which he was reluctant to answer insisting that putting the lump sum to the back of the loan was my best option. I explained to him that I needed to understand the merits of each option with accurate numbers so I can make the best decision for myself. He told me that, the information will be provided in the documents sent to me, after the choice, of the back of the loan deferred balloon payment option is made and not before. 
His failure to answer the questions and or provide information about my loan so that I can choose the best option for myself, encouraging me to favor one option over another, without a full understanding of my specific situation. 
I called back the bank, on the same day, XX/XX/2022, and left a message on the afterhours message service, describing the issues in the contents of this letter, and alerting them of the intent to report this to the XXXX XXXX XXXX XXXX. 
.
Product: Credit card or prepaid card

I contacted Bank of America today XXXX XXXX, XXXX regarding my interest rate to request a rate review and to ask why my rate has gone up from XXXX XXXX XXXX XXXX XXXX despite over 10 years of timely payments and excellent credit history. I was told my variable rate is tied to the prime and the fed had increased rates nearly 8 times since XXXX. They advertise XXXX XXXX starting rate for new consumers and I asked what criteria is used to determine if a new applicant gets the XXXX XXXX XXXX XXXX XXXX, I was told nobody could answer that question ( I was first told by customer service that they would transfer me to underwriting for an answer then they could not answer and finally a manager in underwriting told me nobody at the company could/would answer that question ). I was told the best they could do was lower it by 1 % based on some sort of offer they had right now. How can these companies continue to increase rates for consumers with excellent credit and credit history and not have to disclose how they are making these determinations?
Product: Credit reporting, credit repair services, or other personal consumer reports

back on XX/XX/XXXX i sent Equifax a letter in regards to my credit that they have yet to reponse but i also followed up with an follow up letter to get the issure resolved but have yet to hear anything or see any open investigations from the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian wont remove a XXXX XXXX  account that is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX : {$640.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$43.00} ; XXXX XXXX XXXXXXXX  Balance : {$120.00} ; XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a XXXX " XXXX '' from XXXX, along with this, I also acquired a protection plan named " XXXX XXXX, that replaces this unit in case of accidents. Few days later, I received a DEFECTIVE unit from XXXX. Clearly, this unit didnt fly due to software issues. I spent the following months trying to resolve this issue with the vendor, who keeps their contact information hidden to avoid written communication. 
Regardless of my multiple communications with XXXX, and despite the fact that XXXX verified that the drone didnt work, they insisted on trying to repair or replace my drone with a used unit. I rejected both options because I paid for a brand-new unit and not a refurbished one. I even contacted XXXX Head Quarters in XXXX directly. After months of calling XXXX, customer service started hanging the phone on me every time I called. 
In XX/XX/XXXX, I finally contacted my Credit Card ( Visa Chase ) requesting a full refund for this transaction. Sadly, the Credit Resolution team at Chase failed to understand the problem, and mistakenly processed this investigation as a returned product and rejected my claim. I immediately called Chase to explain the situation and provided copy of my communications with the vendors. I told Chase that the vendor sold a defective product, and I was requesting a refund. 
In XX/XX/XXXX, after 7 months of my claim, I received an mail from Chase saying that they couldnt prove my communication with the vendor and rejected my dispute.
Product: Money transfer, virtual currency, or money service

Zelle is currently facing lawsuits over its failure to adequately protect customers from fraud and unauthorized transactions. In my experience, their dispute resolution process is severely lacking, making it incredibly difficult for victims to recover lost funds. Instead of prioritizing security and consumer protection, Zelle has focused on transaction speed, leaving users vulnerable to scams with little to no recourse. This mishandling of disputes has caused significant financial harm to many individuals, and now they are finally being held accountable. Its a reminder of the importance of stronger consumer protections in digital payment platforms.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you can see below with this Account XXXX XXXX XXXX XXXX is reporting incorrectly and theres numerous errors on trans union and XXXX stated in 15 U.S.C 1681A everything shall be 100 % correct which its not I demand this account to be removed from my credit report the credit bureaus are violating my rights and I will sue XXXX and trans union. Im being discriminated and this needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to demand your immediate attention to the erroneous information on my credit file, which is causing significant damage to my creditworthiness. It is unacceptable that despite my previous attempts to rectify the matter with both the credit bureaus and the creditors, the inaccurate information continues to be reported on my credit file. 
XXXX XXXX Balance Owed : {$14000.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed XXXX {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$100.00}. I have identified the specific accounts that require correction, and I demand that you conduct a thorough investigation and take all necessary actions to correct these accounts as soon as possible. It is your responsibility as a credit reporting agency to ensure that accurate and up-to-date information is reported on my credit file, and I will not tolerate any further delays or negligence on your part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY MADE A COMPLAINT ABOUT EXPERIAN. I PUT A LOCK ON MY XXXX CREDIT IN 2018 AND UP TIL NOW MY USERNAME AND PASSWORD HAVE BEEN FINE. NEITHER SEEMS TO WORK. THESE XXXX WONT REMOVE THE FREEZE, UNLESS I SEND ALL MY PERSONAL INFORMATION THROUGH THE MAIL. AND WHO KNOWS THE FRUSTRATION THEY WILL MAKE FOR ME IF I WERE TO ACTUALLY DO THAT? THEY DO NOT ANSWER THE PHONE BECAUSE THEIR CUSTOMER SERVICE IS TERRIBLE. YOU GOVERNMENT XXXX  CLOSED MY FILE AS IFYOU HELPED ME, BUT ALL YOU DID WAS HELP THEM. AT AN EALIER TIME YOU WOULD HAVE HELPED ME, BUT NOW THIS XXXX IS TURING INTO XXXX. THE CITIZENS ARE GOING TO HAVE TO PUT ALLLL YOU XXXX  XXXX OUT OF BUSINESS. THE DAY WILL COME.