23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 ( and XX/XX/XXXX ) I was sent 2 payments ( {$690.00} each ) by the Social Security via direct deposit to my Chase checking account ( XXXXXXX ). Unfortunately, the attendant wrote down the account number incorrectly. After not seeing the deposits in my bank statement, I called the SS and they acknowledged that two payments were transferred to Chase. Next, I called Chase customer support and they responded that they dont have any knowledge about transfers from the SS.

Caught in a limbo, I decided to drive to the SS offices in XXXX, to speak directly with the attendant. Following another verification of my data, it was revealed that the account number was incorrect, and we corrected it. At that point I asked to mail the following checks to my home address ( not to the bank ). These payments arrived on time, as expected. 
By the end of XXXX, after repeated calls to Chase customer support, I was advised to call the claims department ( a number not published on the website ) and filled for an inquiry, explaining that the account number used by the SS was incorrect. They said theyll investigate that, yet never got back to me. 
A new visit to the SS offices revealed that one of the two checks bounced back to the US treasury, while the fate of the second check remained a mystery. In XXXX, I called the Chase claims department again and filed a new inquiry. Two days later, they got back, telling me that the check had been deposited into another account and the claims department has completed their instigation (??? ) Unsatisfied with this answer, I asked how could I retrieve my money. They advised that the only way was to go to my branch and authenticate myself. I did so and after the clerk tried repeatedly to find ways to retrieve the deposit, she told me that she is incapable of performing it. 
A new call to the claims department ( once again explaining the whole saga ) didnt help. I asked to speak to the supervisor who responded : why did you wait all this time? and that nothing further could be done. 
My questions : 1 ) Why was one check sent back to the treasury while the other ( with a similar wrong account number ) was deposited into a different account? 
2 ) Beyond the flawed customer support we have no knowledge of any direct deposits from SS on XX/XX/2018, the Chase claims department concluded their investigation. What does it mean for the customer? It is the bank responsibility to retrieve that money! 
3 ) After such a long time, Chase needs to refund my money immediately. It is inconceivable that there are no ways of recovering it.
Product: Mortgage

To whom it may concern, I am in arrears with my mortgage in the amount of {$53000.00} as of XX/XX/XXXX due to Covid-19. I am a XXXX XXXX XXXX and my husband passed away of XXXX on XX/XX/XXXX. Because of the lock down and being XXXX XXXX I had to close my business for a year until there was some sort on normalcy in society again. I kept in touch with the mortgage company quite frequently and I was placed on a forbearance to protect my home from foreclosure with no supplemental income. I began reaching out to PHH at the end of the forbearance and I was told I didnt have to worry about anything the past due amount would be deferred to the back of the loan. Now that the forbearance is officially over and I am trying to start making my payments again. Im told I do not qualify for the deferment nor a loan modification and I need to come up with {$53000.00} to bring my loan current or accept a repayment plan of a ballooned monthly payment I can not afford. My business is not where it used to be pre Covid and I dont understand why the mortgage company would let you go into a disastrous delinquency knowing they are not going to help you in the end. Its not my fault Covid occurred and I lost my husband in the process now the mortgage company is trying to take my home and put me in the streets. Call after call I was assured I would get assistance and there was no need to worry now they have turn their back on me and is demanding I pay a lump some that they knew I couldnt pay. Can someone please help me to ensure they are not doing this to innocent homeowners in a situation that was beyond our control? Thanks in advance for your help it is greatly appreciated. 

Yours Respectfully XXXX XXXX
Product: Credit card or prepaid card

On the top of our XX/XX/XXXX statement it showed this : New balance : {$2800.00} Minimum payment due : {$30.00} Save on Interest Payment : {$1900.00} Payment due date : XX/XX/XXXX On XX/XX/XXXX we paid {$1900.00}. 

On the XX/XX/XXXX statement, we had {$34.00} interest charged. We called Comenity and they said we should have paid {$1900.00} + {$30.00} to avoid interest charges. They gave us a {$10.00} finance charge reversal ( credit ) but could not reverse the interest charges. I escalated to see if a manager could reverse the full {$34.00}, and she could not. 

I then asked if this would result in future fees, and if we would have interest charges on our XXXX statement. She told me directly, " no, not if you pay your next bill in full. '' She also said everything was " clearly spelled out in the small print below the itemized purchases, on page 2, '' but I was never able to find anything indicating how the " Save on Interest Payment '' was supposed to work. She also could not find it when pressed, or any other consumer-facing documentation that I could see for myself. She agreed the documentation " needed work '' but dismissed our case as an avoidable mistake on our part. 

Moving forward, the XX/XX/XXXX statement showed our Balance as {$3100.00} due on XX/XX/XXXX. So on XX/XX/XXXX we paid {$3200.00}. 

The XX/XX/XXXX statement included interest charges of {$90.00}. I called Comenity and ( after being on hold for over an hour ) they explained that it takes 2 consecutive months of paying in full to avoid further interest charges. I asked to see this in writing, and AGAIN they could not find it anywhere. The customer service rep had to make an internal call ( on hold again ) to make sure that was true because she could not find it written anywhere, either. 

I asked for the call to be escalated, and after being on hold for several minutes, they hung up on me ( whether intentionally or unintentionally, I do not know ). 

So, we have had to pay two interest charges -- both occurring for reasons that are not documented where Comenity customer service can point to, and certainly not in the billing statement where they ought to be. I call that deception, or at least negligence ; but if negligence, I would argue they should have been willing to reverse our charges and fix the issues rather than anger a customer who will move on as soon as possible. 

We've never had any problems like this with any other credit card services, and our credit scores are both very high. We have the funds to handle the full balance every month, so that was not the problem. We only got this card for the rewards and gas discounts at a regional store. 

The unclear concept of the " save on interest payment '' feature appears to be a honeypot for Comenity to make at least 2 months ' worth of interest from good customers who just want to pay their monthly bill. Do they really think they're the only credit card service in town?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I got a notification from XXXX that my score dropped. I checked it immediately and found out that an account was opened under my name without my knowledge. It was for secured loan of with SELF FINANCIAL/LEAD BANK ( Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX ) for {$3000.00}. I knew right away that this isn't mine of course because of so many red flags. One, I never apply for a secured loan because I don't do collateral. Second, when I checked my personal information, there were inaccuracies in the information. An address that I am not familiar with was on my file. This definitely made it clear that someone had access to my personal information and that my identity has been compromised. I immediately called the bank ( Lead Bank ) to whom the loan was made to let them know that the account created under my name was fraudulent but the representative told me to call another company SELF FINANCIAL to file a fraud/complaint. I tried calling SELF FINANCIAL and of course it is an automated voicemail with instructions on how to report fraud. I emailed the SELF FINANCIAL at this email address - XXXX. At first, they instructed me to file a report to www.identitytheft.gov which I did and submitted this report over to them along with a cover letter explaining why this account was fraudulent. I gave all the information that threw red flags on my report including an unknown address that I've never seen on my report. I submitted the documents on XX/XX/2023 and followed up on XX/XX/XXXX but still no response from this company but they keep on reporting to the credit bureaus. I submitted these documents to all three credit bureaus and told them about the fraudulent account. As an additional precaution, I also froze all accounts on all three credit bureaus. I am just disappointed with XXXX when I got a reply saying they won't change my credit report even with the inaccuracies in my personal information in the report. I would just like to get this account off my all my credit reports because of the obvious inaccuracies and plus, I don't really do Secured Loans because I don't have collateral. I wonder what collateral was used to secure this loan.
Product: Debt collection

Natinal credit adjuster called me about a debt that was explained to them that wasn't mine called an ask to a verication letter annwas told no they not sending me anything that I would have to provide a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  till XX/XX/2021 i have sent in multiple documents stating facts and truth regarding the account and they keep saying its reporting accurate. Also i was victim of identity theft i made a police report and submitted it to comenity bank and they still are reporting the account on my credit report. They told me the police report was not enough for them to investigate and said it will remain on my credit report until i pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out multiple letters to update my consumer profile for the following accounts ; XXXX XXXX XXXX accounts they are not reporting correctly and I need to verify where some of the account numbers are coming from. 

Sent letters on the following dates : XX/XX/2021 XX/XX/2021
Product: Debt collection

I was a victim of identity theft and chase bank took my social security XXXX check over {$600.00} dollars and refuse to give it back
Product: Credit reporting or other personal consumer reports

I have UNAUTHORIZED credit accounts such as XXXX XXXX XXXX ( Acct # : XXXX ) ( Experian ) and XXXX XXXX XXXX ( Acct # : XXXX ) ( XXXX ). 
I also have UNAUTHORIZED hard inquiries such as XXXX XXXX XXXX ( Experian ), XXXX XXXXXXXX ( Experian ), XXXX XXXX XXXX ( Experian ) and XXXX ( Experian ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase bank accidentally hid a new account on their side, I would go to pay the bill and the account they were referencing didn't exist on my Chase. I thought it was a mistake. I called when my credit showed a late payment and took hours to get to a technical expert to go in and physically UNHIDE my account on the Chase side. They removed the late payment and late fee in XXXX, then the late payment showed up in XXXX again. Their " Credit Specialist '' is unwilling to help, which is unacceptable. I have never made a late payment, and expect their TEAM to fix the misreported item. I am currently removing all my funds from CHASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX  Acct XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Student loan

I took out federal student loans to help finance my XXXX education, as I had no other option to help pay the full cost of attendance. I have been diligent in paying back my loans, have not missed a payment, and in fact, am paying more than my minimum. 

The current loan ( {$2400.00} ) for which I am filing a complaint is the XXXX XXXX loan [ acct. no. XXXX ], the repayment of which is managed by a third party, Campus Partners. I am shocked and appalled at the way which Campus Partners charges usurious fees to handle the repayment. Automatic payments from a checking account have a {$.00} processing fee, and when I tried to pay off the loan in its entirety, I was appalled to find they use another third party billing service ( Heartland ECSI XXXX XXXX XXXX XXXX XXXX ) which charges a {$97.00} convenience fee! I am appalled that they have the audacity to charge a 4 % fee for loan repayment. This is absolutely predatory, and I can not believe that federal legislators and employees ( those in XXXX and at the XXXX who agreed to allow this company to process federal loans in such a manner ) allow this to happen. I am shocked to learn these companies are profiting from federally allocated funds meant to help those in desperate need. 
I sincerely hope that this process will receive immense scrutiny it deserves, the practices are investigated fully, and that any wrongdoings are brought to light. 

I am happy to discuss the matter further.
Product: Debt collection

I was thinking about creating a XXXX XXXX, a little flower shop. Due to the coronavirus, it was never physically or online open. Although I had developed my website, I decided to put everything on wait until after the coronavirus. After a few months, I decided to deactivate my website. I don't even own a credit card reader. In addition, I did not sign any contract with these individuals. These XXXX XXXX employees managed to obtain some of my business information as well as my personal information in some way. Because I had never signed up for any such company, I never received any correspondence from them. Naturally, I assumed that the issue had been resolved because I had contacted several times to resolve the issue and had emailed the company. I received a notice stating that I owe {$630.00} to the company. I decided to report them since one transaction fee letter seemed quite suspicious. One transaction charge letter I received stated that a customer will be refunded {>= XXXX} and that I would be responsible for the remaining {$630.00}. How is that possible when I have never authorized a merchant account and have never signed a contract? someone claiming to be from the XXXX XXXX Something isn't right!!
Product: Credit reporting or other personal consumer reports

I asked the credit bureau to send me validation of original sign documents, and to do a complete investigation and ensure accuracy of the records they reporting. the credit bureau refuse to show proof of original sign documents and continue reporting fraudulent account on my credit report. They have failed to respond to my dispute letter dated XX/XX/2023 within 30 days after receiving the letter. According to the federal law, the credit bureau required to respond within 30 days after receiving the dispute letter, otherwise delete the information immediately. The credit bureau also in violation for reinserted deleted fraudulent account back on report with out notify me with XXXX, days. Violation FCRA code
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, U S DEPT OF ED : # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX, has violated my rights. 
I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report made by XXXX XXXX XXXX XX/XX/year>. This inquiry was conducted without my consent or authorization. 

I visited XXXX XXXX XXXX XXXX stated date with a prequalification offer and did not authorize any credit check beyond the terms of that offer. However, during my visit, the sales representative proceeded to run my credit without my explicit consent. 

I request an investigation into this matter and the immediate removal of the unauthorized inquiry from my credit report. Enclosed are copies of my credit report highlighting the disputed inquiry, as well as any relevant documentation supporting my claim. 

I appreciate your attention to this matter and kindly request your assistance in resolving this dispute promptly. Please keep me informed of the steps being taken to address this issue. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with Gemini three years ago. Since that time I have purchased XXXX and other types of crypto. I am unable to log on to my account. When I try to log in it says they will send me an email to reset my password but it doesnt work. Please help.
Product: Debt collection

I have received numerous phone calls from XXXX ( XXXX XXXX XXXX ) saying I owe past due rent of {$5600.00} from a rental I live in XXXX. They called me on XX/XX/XXXX saying I am being sued for this money and if I do not pay then my paychecks will be garnished. They called me again later that day on XX/XX/XXXX. They then called me again on XX/XX/XXXX saying the same thing again, if I do not pay they will have my paycheck garnished. XXXX called me again on XX/XX/XXXX twice to my cell phone, and called me at my job threatening me saying they will have my pay garnished if I do not pay and the gentleman on the phone was getting very aggressive. I told them they can not do that and he said want to make a bet and started laughing on the phone. I told them to stop contacting me about this and I feel as though Im being harassed and this company is being very abusive.
Product: Prepaid card

I received a prepaid {$50.00} Amex gift card as a gift. The card ends in XXXX. I am unable to use the card for purchases. I have tried both online and in person, and the card is declined every time. I am not attempting to charge more than {$50.00} to the card. I tried calling Amex at several numbers and was unable to reach a live agent to resolve the issue.
Product: Mortgage

my mortgage company paid out 3 separate tax payments to my county at the end of the year, all 3 payments were for the wrong amount of taxes, one payment was used to pay taxes and the county sent the overage back, a second one was returned, but the third payment the county shows they never received. The mortgage company keeps saying that they are waiting to get it back from the county. It has been 4 months now and still no resolution.
Product: Debt collection

XXXX of 2024 TV stopped working, Came to the conclusion the cable box was the problem and the dish needed to be moved. XXXX XXXX made a appointment for a technician to come and repair this on XX/XX/2024 between XXXX to XXXX XXXX. So I stayed home that day and waited they never showed up or even called me. So I called XXXX XXXX and complained so they made another appointment on XX/XX/2024 between XXXX to XXXX this time I got a confirmation # XXXX. They did not show up nor did they call me. That is twice they did this to me. That is bad service .So I called them and to cancel my service. They sent me a letter that said they did not need the cable box equipment back to discard it. Then I received an invoice from them for service that I could not use and charged me for not returning the equipment that they told me to through out.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXXXXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not remove fraudulent account on credit report, despite my disputes, and having confirmed from the reporting lender that the account was indeed a fraudulent account. 
Account opened XX/XX/XXXX for {$500.00} Disputed fraudulent account XXXX XXXX, XXXX and XX/XX/XXXX. 
Received confirmation email from lending company that account was indeed a fraudulent account due to identity theft. 
Experian will not remove, nor will they accept the email from lending company that their records indicate it was a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violated my federally protected rights 15 U.S. Code 1681b - no written permission, consent no permissible purpose 15 U.S. Code 1681 that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Acct was remove not belonging to me