23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Fraud charges and dates : XXXX XXXX XXXX XXXX  {$1100.00} XX/XX/year> CLIP XXXX {$1100.00} I disputed these XXXX charges XXXX minutes after I was notified by Chase Bank that there were suspicious charges made on my credit card in XX/XX/year> while in XXXX XXXX, XXXX. These amounts were charged to my credit card by a taxi driver for a {$5.00} taxi ride. The driver told me the first charge did not go through, so I gave him my card again He said the second charge did not go through, so I paid him cash and he drove off. Minutes later I received a notice from Chase that suspicious charges had gone through my credit card account. I CALLED IMMEDIATELY. I spent hours on the phone, with spotty service in XXXX, to confirm that these were indeed fraudulent charges. 

After many months Chase Bank has determined that these charges were valid! I can not understand what kind of investigation would find these charges legitimate. This may be a small amount of money to Chase Bank but to me it is sizable. I was robbed in XXXX, charged {$2300.00} for a {$5.00} taxi ride and now I am victimized again by the credit card company who promised to protect me from this kind of theft. 

I have been a loyal customer and used this card exclusively for my business for many, many years. This is only the XXXX time in all those years that I have submitted a claim for fraud. I am completely devastated by this decision and intend to fight it until the money that was stolen from me is rightly returned. 

I am requesting that Chase reopen the investigation into these charges and provide me with a full accounting of all investigations done and what the findings were.
Product: Credit reporting or other personal consumer reports

I want to place a freeze on the XXXX XXXX XXXX XXXX, XXXX, Innovis, and XXXX that provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance.
Product: Credit reporting or other personal consumer reports

paid on time. Back in XXXX, I sent a letter requesting the removal of these late payments, but I received no response, and the issue remains unresolved. Under 15 USC 1666b, a creditor can not mark a payment as late unless they ensure the statement is sent at least 21 days before the due date. Credit agencies must report accurate information, as required by the Fair Credit Reporting Act. I never missed a payment and didnt give permission to report these accounts, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. Please investigate and provide proof showing these payments were actually late and that I approved reporting them. If you can not provide this proof, I request that these payments be corrected to show on-time, as I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In going over my credit to prepare to buy a home i have found multiple errors, In XXXX I sent in a dispute with experian. i am new to all of this, but im learning. They have reported things on my account that are not accurate, but they claim are. 
there is an account listed as over 90 days late with the little marls on the months that is a collection. They cant have things both ways, It cant be a collection and over 90 days late. This is a clear violation of my rights under the FCRA. I pulled my new report after said investigation today and this is what my report states. 
XXXX XXXX XXXX  account number XXXXClosed these are the marked black late months on my report there cant be a closed in collections and it marked as if it isnt with the black marks there this is a clear violation of my FCRA rights. I am entitled to {$1000.00} per violation and these are clearly there. I have found they try and clean up mistakes before you see them, But im hopeful finally someone will hold them financially responsible as it takes us hours to even try and attempt to fix this. They told me on Friday XX/XX/XXXX the would " look into this '' again for me but at this point I have no faith below is the months marked they did this to me as its still there. Im new to you all and appreciate all you do in helping the little people. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then I noticed another collection on my account from experian. XXXX XXXX account number. XXXX is doing the same thing. I sent the dispute into them online and they said they looked into this, Had they they would have seen as I said above, This is a clear violation of my FCRA rights cant be past due and collections at the same time. I just want to be treated fairly and again, Im new here but I know this isnt within the FCRA laws.
Product: Consumer Loan

Ally Financial repossessed my vehicle on XXXX XXXX, 2016, unlawfully according to the XXXX of Virginia Law Code : Chapter 22, 6.2-2217. The vehicle that was repossessed was eventually sold by Ally Financial and after receiving a letter from them requesting payment for the deficiency, I responded with a request asking for proof of documentation including titling regarding the sale of vehicle, notice of default and notice of acceleration as is required by law under the XXXX of Virginia. I requested for any attempts to collect on this debt and any negative reporting to the credit reporting agencies be stopped until debt could be verified. Ally Financial responded with nothing but the same letter of how the deficiency was calculated and no other documents proving the repossession was lawful. However, Ally Financial continues to attempt collections as well as continued negative reporting to the credit reporting agencies. I have had two collection agencies in less than a year attempt to collect on this debt.
Product: Student loan

My loan was forgiven under the Public Service Loan Forgiveness Program last fall but Mohela continues to report false information about my account balance to the credit reporting agencies. This negatively affects my credit and multiple attempts to have it remedied through Mohela have been ignored.
Product: Debt collection

I have a debt collector who calls multiple times trying to collect a debt which is totally understandable and acceptable. However I have never given my work phone number as an option to call considering I work in an office that doesnt allow personal calls. This debt collector just stated that they were gon na reach me at my job until I have paid amount in debt. I can not have them calling my work phone as I can be terminated for taking personal calls. They called my XX/XX/year> at XXXX. I would like my work phone at least removed from their list to call me.
Product: Money transfer, virtual currency, or money service

Venmo close my account for no reason now they are just holding my funds for XXXX
Product: Student loan

I graduated from XXXX in XX/XX/XXXX and have had the displeasure of having loans with XXXX XXXX. 

First, it is impossible to make any kind of instant one-time payment without incurring a fee for making an additional payment, regardless of payment format. You CAN send a check in, but that will not reflect the interest charged during transit and before review. 

So, if I want to pay off my loan early, I have to modify my recurring payment and wait until the auto-payment day comes. But heres where the real headache comes in. After spending 45 minutes on hold both on the phone and via their online chat, XXXX told me that they could not provide me with a full payoff amount. Thus, by the time my recurring loan payment goes through on, say, 15 days later, it will not be enough because of the 15 days of interest. But wait, theres more. XXXX will NOT let you set up a recurring payment for more than you owe on the day you set up the payment. 

What does this mean for me? On XX/XX/XXXX, I wanted to pay off my entire {$3500.00} loan, so I set up a recurring payment for the next available date ( XX/XX/XXXX ). I was only able to set it up for {$3500.00} because that was the amount I owed on XX/XX/XXXX. Of course, today, XX/XX/XXXX, the amount I now owe is about {$3500.00}. So now I owe {$50.00} which will continue to accumulate interest. I can keep my recurring payment of {$3500.00} set up, which will take care of that {$50.00}, but then I have to wait 6-8 weeks before XXXX cuts me a check for my {$3400.00} overpayment. Well thats not going to work, so I modify the auto payment once again for {$50.00}. Of course by the time the auto payment kicks in I really owe {$55.00}, so now I need to await for another auto payment ( and further accumulation or interest ) before the full amount is paid off. 

So, rather than pay off everything on XX/XX/XXXX, Im now forced to wait until sometime in XX/XX/XXXX just to pay off my XXXX loan. This is a terrible way to run a loan servicer and, frankly, I question whether it is legal to force borrowers to incur interest or a one-time-fee. It is literally impossible to avoid. 

All I want to do is pay off my loan. Right now. And I cant do that. This seems highly unethical. 

And to be clear, I am not the only one who has serious complaints about this company. Its online review pages are nearly unanimously terrible, and its public communication with borrowers is nonexistent.
Product: Checking or savings account

On XX/XX/XXXX, I had filed a complaint ( # XXXX ) with CFPB about spam mail I was repeatedly receiving from TD Bank. 
TD Bank responded by proving a link ( XXXX ) for permanently opting out of all spam mail.

At that time, I did use that link to permanently opt out of such mail. 
Today ( XX/XX/XXXX ), after almost 5 months, I have once again received another spam mail from TD Bank ( I have attached the front and back of the mail I received ). 
So, since I had already opted out in XX/XX/XXXX, why am I still receiving spam mail from TD Bank?
Product: Credit reporting or other personal consumer reports

I have account with synchrony Bank then keep lowering my credit card for no reason at all this hurts my credit they do what they want and no one stop them who can I complain to to get them to stop hurting me on my credit report this is a bad company to deal with
Product: Mortgage

PNC Bank stopped sending information necessary to continue my multi-year history of timely and complete, full payments of my HELOC as of XX/XX/2018. I have made numerous attempts including but not limited to online correspondence, telephone calls, and written letters. PNC Bank has replied with a succession of non-action. I have gone above and beyond my due diligence and reserve all rights while withdrawing none. The aggresive and predatory techniques by PNC Bank, mainly the purposeful and premeditated deceit of their obligations as established by the PNC Bank Code of Conduct, and, most importantly, Federal Law, should concern all. I have continued to make timely monthly payments using my payment stub from XX/XX/2018. PNC Bank continues to draw monies from my personal checking funds while denying me requested information as to where these funds are applied. In addition, PNC Bank will not provide me with a copy of original terms and conditions of my HELOC. This written document shall serve as instrument.
Product: Debt collection

There has been over {$5700.00} of debt added to my credit account. I never signed any documentation with this debit tour or any agreement stating that I would pay this amount of debt there is interest occurring on this debt every single month and it is continuously going up theres no proof of where this debt is coming from. I also have requested this information from the company within 30 days and they never got back to me.
Product: Money transfer, virtual currency, or money service

PayPal has closed the account without any reason since XX/XX/ 2021 and they are not helping me to get it back. I am sure that I did not make any mistakes and they are not even telling me the reason of closure. I tried to get any answer from them many times but they are not giving any proper answer. They even held my money for 180 days and after 180 days they took all of my money ( {$1100.00} USD and XXXX GBP ) on XX/XX/2021 from my account. 
So I am filing a report here as they are not doing their job properly. They held and taken all of the money without giving a proper reason and it gave me quite a loss. 
My email linked to PayPal account is XXXX XXXX
Product: Credit card or prepaid card

I received a letter in the mail from Capital One about mu online request for pre-approval that had been denied. I have 3 Capital One accounts currently and did not apply for anything else from them. I called Capital One and they said they do not have any way of tracking if there was a letter sent out to me and that there was no credit applied for. I also submitted a police report since someone used my info to file for unemployment insurance as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi experian has a 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 XXXX XXXX has me at a score around XXXX. 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 experian i spoke to a representative agent name 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 ten negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis 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 accounts 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 Transunion more than 10 times. experian 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 XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

I got a number of repeated call from IQ Data International in XXXX WA 7 times in less than 8 hrs from the number XXXX harassing none stop I finally called spoke to a XXXX a representative who I told him what was happening he said guy was new but threatened to put this on my credit report if I didnt pay I told him I need more information he said I had to pay again i told him he was harassing me and violating FDCPA he laughed I told him I would report to the attorney general he started to chuckle said good luck then hung up.
Product: Credit reporting or other personal consumer reports

Please remove the following accounts XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Issue : Missed and late payments reported inaccurately. Please provide complete payment records or delete the negative information. 
XXXX XXXX Account XXXX : XXXX Issue : Missed and late payments reported incorrectly. Please mail proof of payment history or delete the negative information. 
XXXX XXXX Account XXXX : XXXX Issue : Negative payment status is disputed. Please provide statements for all payments made and missed or delete this information. 
XXXX XXXX XXXX  Account Number : XXXX Issue : This account is incorrectly reported as charged off. Provide proof of the charge-off or update the balance to {$0.00}. 
XXXX XXXX XXXX Account Number : XXXX Issue : Incorrect charge-off status. Please provide proof or delete the negative information. 
( Continue listing all accounts from your request, summarizing the details concisely. ) Disputed Collection Accounts : XXXX XXXXXXXX XXXX Account Number : XXXX Original Creditor : XXXX Issue : I do not have a contract with this collector. Provide proof of the debt and legal authority to collect, or delete this account. 
XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Issue : No contract exists with this collector. Please provide proof from the original creditor or delete this account. 
XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX  XXXX XXXX Issue : Debt ownership is disputed. Provide proof of ownership or delete this account.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Ive applied for an Apple Card and its been rejected numerous times because of my identity. Ive submitted my ID card and have tried submitting the application with just my last name, with both last names, with first middle last and maiden name and theyve all been rejected for unable to verify identity. I called was told that Goldman Sachs is intrusively and without our permission going through our digital footprint. I feel Im being discriminated based on my gender. Im a transgender female and havent changed my legal name so obviously my digital footprint is all female which matches with my face on my ID but doesnt match with my legal name since I havent changed my legal name. I asked two representatives and they both just repeated themselves and said denials were based on my identity even though they used my social, name, and birthday to get me verified to speak with them. I dont see a valid reason for Goldman Sachs to deny me credit. I have good to excellent credit. So please review Goldman Sachs for this discrimination & for being intrusive with the amount of information theyre illegally taking from our phones without our permission.
Product: Checking or savings account

I hope this message finds you well. I am writing to bring to your attention an issue I have encountered with a promotional offer from Chase Bank. I received a personalized offer in the mail in XX/XX/2023, promising a {$300.00} bonus upon opening a Total Checking account and making a {$500.00} deposit. 

I opened the account on XX/XX/2023, utilizing the provided coupon code. However, during the process, I received a notification stating, " Your account was opened, but were having trouble applying your offer. Well send you an email once its applied. '' Unfortunately, I never received the expected email confirmation. 

A few days later in early XXXX, I contacted Chase, and a representative manually entered the coupon code, assuring me that the issue was resolved. 

I then made the required {$500.00} deposit around XX/XX/XXXX and waited for the promised bonus. To my disappointment, after 15 business days, I had not received the bonus. 

Upon contacting Chase in early XXXX, I was informed that the coupon code had never been applied. Despite providing the code again, the Chase representative suggested ineligibility due to a previous Chase checking account. I would like to note that I closed this account over three years ago, and the terms state in their fine print indicate that the checking bonus is available every two years from the last coupon enrollment. I then spoke with a manager who I believe agreed I am eligible, and filed a a claim directly with Chase for a 72 hour response, but to date, I have not received any communication from them, and it has been nearly two weeks since filing the claim.
Product: Credit reporting or other personal consumer reports

There are some items reporting on my credit which I do not recognize and I suspect identity theft, the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I need these items disputed and removed.
Product: Credit card or prepaid card

I scheduled a credit card payment through Bill Pay for the day it becomes due ( the day after the billing cycle ends ). The payment was applied to main balance without being applied towards the amount due. This is after Chase Credit Services allowed a Bill Request taking me over my credit limit even though my JPMorgan Chase accounts have been locked for more than 10 years against overdraft and over limit usage at my to resolve another problem at that time. 

Since, I have receive conflicting requests of the amount due where my account statement online has one amount and the robocall collectors state a much higher amount ( over {$100.00} difference ). I do have recordings of the robocalls and screenshots of my online statement. The robocalls have been 5 times per day whether answered or not in harassment which have also disturbed my necessary rest required for health reasons. 

I do have a letter from Chase Executive Services stating a bill can not be paid on the day it comes due and the bill must stand for 24 hours first. 

As a note in another issue, JPMorgan Chase has been making fraudulent accusations and committing defamation of character through credit reporting. I NEVER take direct action to take my credit card above its limit though I may come with {$1.00} of my limit at times. Any request to go over my limit is absolutely denied due to previous agreement. Yet when Chase Credit Services applies their bill, it takes my card over the limit ( acceptable and understood ) but Chase Credit Services report to the credit monitoring companies this is my action rather than their billing action. 

I have also directly requested the name of the legal responsible party for both JPMorgan Chase and Chase Credit Services to be named in lawsuit and, while he information has been repeatedly promised, it has not been forthcoming in the time they promise in order to delay the filing of legal complaint. 

Chase has also now created a situation where a bill paid directly through Chase on the actual due date is now applied a day or days later if weekend where they charge a late fee even though the bill was paid directly through the bank account to the card on the due date.
Product: Money transfer, virtual currency, or money service

Citi Bank showing consumers misleading information in the personal loan online process. 
They are showing a range of interest rates people might fall into and are not showing the interest rates consumers are actually being offered in the upmost ethical and transparent fashion. 

The pictures I have taken in the online personal loan process. 
The online process is very misleading. 
The pictures show I am at the tail end of the process and I still did not now the actual rate was. 

I am very curious to see if Citi is also using this range to over charge people interest. What makes this a possibility is my first time applying for a personal loan I did not have a offer over 8 percent ; and this was in review of 10 plus banks/ financial insinuations.