23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chase SUSPENDED my online banking after SUCCESSFULLY and PROPERLY sending multiple XXXX transfers EXACTLY AS I INTENDED, but felt that they knew better than additional transfer as it was " suspicious '' and FROZE my online access, rendering me COMPLETELY UNABLE to conduct business as a real estate broker and property manager - REQUIRED BY STATUTE AND BINDING CONTRACTS to pay property owners BY THE XXXX OF THE MONTH. I called Chase, ONLY FRAUD Department can help me. They are closed on Sundays! It is a HOLIDAY WEEKEND - Customer Service says Fraud IS open on a bank holiday - so, the moral here is commit fraud on Sunday as Chase is not open to catch you or help those victimized? MAKE NO MISTAKE - THERE IS NO XXXX FRAUD - the only " Fraud '' here is Chase. For the love of XXXX, Chase, you make XXXX XXXX look good now, and that is about near impossible I thought!
Product: Credit card or prepaid card

I applied for a store credit with XXXX XXXX, XX/XX/XXXX and was awarded {$300.00} that night. I then made a few purchases that evening only ( 2 or 3 items ) no where near my limit. I was then told to expect to my card in the mail. I waited over 30 to 45 days and still no card. I then called customer service @ XXXX XXXX, I explained my dilemma I was told my card already was sent. I then replied I never received it & I requested that card be canceled & issue a new one & gave my correct address I also explained why am I receiving a bill at the correct address & my card didnt make it here. I finally received my card in the mail 2 months later. I have a restriction on my card where I can not make any purchases, I do cash purchases only. I havent used my card in years & to date my balance is over {$300.00} so where are my payments going or even being applied. If I am restricted From card usage WHY IS MY BALANCE NOT GOING DOWN AT ALL, also have had my credit limit decreased to {$200.00} dollars with no notification, as I looked at my statement today, I made a payment of {$40.00} on XX/XX/XXXX, my due date & there is a late fee on this bill for {$39.00}. Also I pay my bill monthly in the store, I double & triple my minimum payments due. When I call about my bill at any time Im routed directly to collections @ Comenity Bank, their staff & reps are very rude & unprofessional, always persistent with strong arming additional payments & talk of legislation action, unwilling to assist or even hear any of your concerns. I dont know what to do, this is the reasoning for my complaint. Thank you
Product: Debt collection

I checked my credit today and noticed this was added. I have no idea who these people are and was never called or given the opportunity to dispute this balance. The original creditor says XXXX and I have no clue who they are.
Product: Debt collection

Date opened XX/XX/XXXX Last Activity XX/XX/XXXX XXXX this collection was paid off settled- Less than full balance Collection Agency : ERC XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Product: Mortgage

My main issue is stemming from the fact that I applied for a Refi from my Lender and it was completed. After the XXXX Mortgage was Paid in Full the Lender went into my impound acct and took out a PMI payment after the Loan was already showing as paid in full. I was under the impression that the Loan Payoff would have included any and all associated costs with the mortgage. It makes no sense to me that you would pay off a Mortgage and then get a bill for PMI. The Lender stated that the PMI was paid in arrears however at Loan Origination I paid a full year in advance so it seems like it changed at some point. The Lender also failed to obtain the correct amount that was due for Taxes and after the Settlement of the Refi they went back into my impound account and took out money for Taxes that should have been included in the Closing. The Lender has researched and basically stated we have no recourse and tough luck. I do not agree and feel that the Lender is underhanded and not transparent in their transaction not to mention that {$7000.00} in fees to Refi your own Mortgage is predatory. I mean really how can you charge and Escrow and Sub Escrow Fee and then charge a Courier Fee and then another Fee for XXXX. I was under the impression that XXXX was a Courier.
Product: Debt collection

I had utility accounts fraudulently opened in my name. 

I took the appropriate actions to prove fraud : Police and FTC reports. 

Sent them to all utility companies involved and all collections agencies involved on XXXX XXXX. 

Of the 5 fraudulent accounts all of them have been totally resolved with the utility companies.

One collection agency Transworld AKA TSI is refusing to delete the action against me on one account. This debt collector has hung up on my multiple times since I have received physical mail from XXXX XXXX notifying them to cease all collections actions against me.
Product: Debt collection

My wife  XXXX   XXXX  made a purchase on her Saks Fifth Avenue credit card in the {$200.00} on  XX/XX/XXXX . The credit card bill was paid in full on  XX/XX/XXXX  ( roughly one week later ).     Starting in  XXXX ,  XXXX , we began to receive calls from  XXXX   XXXX   XXXX  seeking payment owing to this purchase of {$550.00}. Through numerous phone calls, some of which were quite unpleasant, I was finally able to garner from them the origin of the debt as listed above. They were quite difficult to deal with, as they frequently sought confidential personal information that I was not willing to provide. They finally sent a copy of th e Saks stat ement, which I attach along with their cover letter, which shows that the balance was paid promptly and that the account has a zero balance.     Their representation was that my wife 's account, originally associated with  XXXX , was sold to  Capital One,  and then to their current client.     Upon discussion with them today, they again sought personal information, this time stating that they wanted the cancelled check as evidence that the debt was paid. Given that I have come to believe that this entity or whomever they represent is engaged in fraud, I am obviously unwilling to send them a document which would disclose my checking account information and my wife 's signature. Their statement was that if I sent the check, they MAY mark the debt as previously paid.     I have the cancelled check drawn on our joint  XX/XX/XXXX   XXXX   XXXX  checking account, which I would share with the CFPB, but am obviously unwilling to show to them. These are bad actors, who are obviously preying on consumers. My case is an obvio us one . .. they are trying to collect on a credit card account that their own information shows has a zero balance. This has to be illegal.     This group,  XXXX   XXXX   XXXX , or their client  XXXX   XXXX   XXXX  is obviously engaged in fraud of some type. While I am reasonably sophisticated and keep records, I am sure that many of their victims repay debts that have already been paid and/or give them personal information that they otherwise use for illicit purposes. I hope that you are able to take action against them.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit card or prepaid card

Twice the charge of {$20.00} has been charged to the account as a returned automated account fee. 
There has been a dispute that the account had never been set up for an automated account. The option online was not even enabled. The account was NEVER set up as an online automatic payment. A challenge was made to inquire if the account was hacked. 
Also, on today 's phone call, it took 7 representatives to get with someone from what is to be Escalated Complaints. 
Regardless of a warm transfer or cold, the account was re verified. 
They also stated that a Power Of Attorney was needed in order to speak with someone over the phone. This was refuted. They verified the account 7 times to allow authorization to a third party. Any other person without knowledge, would have just taken their word that a Power Of Attorney is needed. 
The Customer Service counter at XXXX   on XXXX was completely closed and refused to take any payments. 
Please request all records. Please request all transaction history and customer calls. A called was made when the account was first open to attempt to make payments on line. This was not made. Physically, the payment had to be made in the store. 
It is my belief that XXXX  charges incorrect illegal fees. I request that a full investigation is made on their practices and fees in order to determine how many people have been charged returned fees for incorrect banking information. The option to make a Payment online is not always enabled. It is enabled and disabled at their discretion. It will not even reflect as an option. 
It is my belief that XXXX misrepresents the payment options available. Please keep in mind, this account was never delinquent. This account had the balance paid in full. There was never any interest charged. The only fee they have been able to collect is this, not once but twice. 
The last representative stated that the Payment option is " disabled '' aka completely disappears from the website when there is an issue with the payment. This also means that anyone who is under the belief that they are set up on automatic payments would go into default. No Notice is sent as to the situation. 
There was no XXXX Statement.
Product: Checking or savings account

Yesterday I tried to open a Chase checking account. I found that they did not open a credit card for me and had the same problem
Product: Debt collection

i recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them informing me that I owed them anything and rights were violated under the FDCPA
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

MEDICAL DATA SYSTEMS has placed an unauthorized fraudulent item on my Consumer report. MDS has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit.
Product: Debt collection

This account is a result of an identity theft. This account does not belong to me and it is affecting my credit score
Product: Debt collection

contacted company to request copies of account contract signed by me because I have to knowledge of these services or this account. They refuse to send me anything and advised I should file police report. I asked that this be removed from my report since they won't provide me proof of this debt or any disclosures with my name and signature. Tried to dispute through credit reporting agency but corrections not made.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX amount XXXX the company global service called me at XXXX stating that XXXX XXXX is suing me for a loan XXXX dollars that I took out in XXXX they said I paid a check to them and the check was no good. <P/>I never took a loan out to them and they are threaten to sue me for fees and court fees.
Product: Credit card or prepaid card

I have had accounts opened in my name with banks. One of these accounts is with Bank of the West. I called them several times last XX/XX/XXXX to notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) U.SC The Furnishers / Credit Reporting agencies of the following accounts INQUIRIES : XXXX XXXX  XXXX. XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX  XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUD/REMOVE XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE XXXX XXXX XX/XX/XXXX TransUnion FRAUD/REMOVE have violated my rights . according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Product: Mortgage

On XX/XX/year>XXXX   I submitted and application with XXXX XXXX and the credit score turned out to be too low so he suggested that I do a rapid credit re run. When I submitted the documents he said I need to pay for the rapid credit re run at a cost of XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by XXXX, XXXX XXXX Experian concerning XXXX Account XXXX : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 

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

This is my second attempt to get my credit report from Transunion on annualcreditreport.com to which they claimed that the issue was resolved. View attached previous complaint. I still can not get my credit report and I screenshot the page showing it.
Product: Debt collection

I was charged an XXXX debt for a rental property I never lived at. When I reached out to rent recovery solutions. I found someone switched the digits of my social security and date of birth with my first and last name. I also have numerous fraud claims with my bank, where I had to cancel my debit card because of unauthorized charges. I feel as though I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

MY DISPUTED ACCOUNT INFO NOT GO AWAY PLEASE DELETE
Product: Debt collection

You guys sent me a letter saying I owe pnc XXXX from XX/XX/21 and I have never had nor signed up for a pnc account so this is a false claim that needs to be taken off of my name immediately please and thank you.
Product: Credit reporting

My credit report is showing a public record XXXX. However, I am unaware of the record dated for XXXX XXXX, 2014 and Equifax has failed to report the source of their information for this judgment. All of which is a violation of the FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fourth Complaint to the CFPB about Caine & Weiner who have not address the said laws they are breaking in direct violation of my consumer rights! Illinois State Attorney General has been made aware and court proceedings will follow this fourth complaint soon. 

In accordance with the Fair Credit Reporting act Caine & Weiner has violated my rights. 15 U.S.C 1681 section 602 A [ ( 15 U.S.C 1681 b ( a ) ( 2 ) ]. 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 data of an account without my written instructions. The company is falsely accusing me of owing {$180.00} for services and refuse to remove it from my credit report. In direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter. 

This is not a dispute for the law is the law and can not be disputed.
Product: Credit card or prepaid card

Chase includes purchase protection through card benefit services. I filed a claim a full month ago and every time I call I am told the claim will be completed within 5 business days. It's clear now that the benefits I pay for with Chase are not being provided. Chase has refused a refund of their fee for these benefits and refused to provide any support to resolve the pending claim. 

Doing a quick XXXX search reveals that this is a common occurrence with Chase and their XXXX XXXX XXXX. 

The Chase representatives simply hang up on you and continue to state there is nothing they can do to help. 

Effectively, Chase is collecting fees and not rendering the services promised. I believe this to be a form of fraud and would like a formal investigation conducted into this practice.
Product: Mortgage

Security National Mortgage Company personnel were not honest throughout my process. I am in the process of seeking another lender because they decided to disqualify my loan due to paperwork from my student loan not stating what they desired. 

In the process, I purchased an appraisal and requested that I receive a copy of it. They keep stating it is in review after the appraiser completed it over a week ago. There should not be a review if the loan is already disqualified. 

I would love to completely cut ties by receiving the appraisal I specifically paid for and move on with my life. I also feel that others should be warned of this company and its personnel.
Product: Student loan

I graduated from my university and XXXX in the military in XXXX. I should have the 6 % interest rate on my student loan according to the Servicemembers Civil Relief Act ( SCRA ). ACS Education Services has my interest at 6.8 % and told me that they need a copy of my orders to verify that I am in the military. I emailed them a copy of my XXXX XXXX XXXX in XX/XX/XXXX ( showing my XXXX as XXXX XXXX ) as well as my XXXX ( XXXX XXXX, XXXX XXXX ) showing that I will be in the military until XXXX. They rejected both of these documents for " title and authority '' because they wanted the rank and branch spelled out. However, every military document has the rank or branch abbreviated. I asked what specific DA/DD form they accept and they keep saying " military orders. '' I 've given them several different military documents and orders that show my full name, SSN, and service dates yet they keep getting rejected. It is illegal for them to reject official DOD documents and forms. I believe this is their way of scamming the system to prevent service members from getting the lower interest rate. My 6.8 % interest rate needs to be corrected to 6 %, back-dated to XXXX XXXX, and the entire loan amount owed should be corrected based on the 6 % interest instead of the 6.8 % applied over the last six years. They have been overcharging me for the past six years and I should get the amount paid on the 0.8 % refunded.