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

Step 1 : What is this complaint about? Chase card member Services continues to reinforce that I made valid charge, yet the company will not tell me what was purchase for the money rendered and who the company really is because I d not recognize the charge. Additionally, despite multiple resolution attempts and email messages on its secure messaging system, they do not seem to read the email requests and answer questions that were never asked. The request is to provide the name of the Company ( its real name and not a Doing Business As fake name which I do not recognize and also to tell me what was purchased for the {$150.00} on the date XX/XX/2019. 

Step 2 : What type of problem are you having? The company is not providing clear answers to the questions asked and is not resolving the dispute. The company continues to say the charge is valid yet it will not produce the actual company name that was given the money, the contact information of the company and the product or service for which the charge was made. The company ( Chase ) has an agreement with the vendor, otherwise the vendor would not accept Chase 's credit card. Chase has a duty and an obligation to provide me the company name its contact information to include phone number, address, website, email address and the product or service that was purchased. Chase is not providing this information despite multiple attempts. 

Step 3 : What happened? Apparently a charge was made for {$150.00} on XX/XX/2019 to a company called XXXX FL XXXX  XXXX. I do not recognize the company. The name makes absolutely no sense to me and I do not know the product or service that was purchased. I've disputed the charge multiple times only to have Chase tell me that the charge is valid. Yet, Chase will not produce the real name of the company, its contact information, nor the product or service purchased. There is not valid reason for hiding and not producing this information to me ( the purchaser ) of the product or service. 

Step 4 : What company is this complaint about? Chase Card member services. 

Step 5 : Who are the people involved? Chase card member Services and a company called XXXX FL XXXX  XXXX. 

Step 6 : Resolution requested : Given that Chase will not produce the requested information and it can not be determined to whom the charge was made, nor what product or service was purchase, I request that the purchase be invalidated and a refund to my card be made of {$150.00} for the XX/XX/2019 purchase.
Product: Debt collection

Employees from transworld systems called on the morning of XX/XX/2019, I asked them repeatedly to state their business which they refused to do and attempted to get me to identify myself. I told the employee to never call my phone again and I continue to recieve calls from transworld systems from the following phone numbers : XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me. I have contacted Experian over 20 times in regards to verify some items on my report. I learned from your site that they have 30 days to get back to me. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. I emailed the CEO of Experian XXXX XXXX and have yet to hear anything back. The items that they have on my report are stoping my family frombeing able to purchase a home, and have cost me an employment opportunity. Please help me.
Product: Vehicle loan or lease

I had a XXXX XXXX with Ally back in XX/XX/2019. At the time of the purchase the finance director tricked and deceived me by adding a lot of aftermarket insurance that never needed, wanted or asked for. When I realized that after 2 months I called XXXX and canceled everything. The process took so long, eventually the car got totalled. Between what I paid, what my insurance company paid and all the aftermarket cancellations Ally was overpaid by {$2700.00}. They only sent me {$220.00}. 

I have been trying to contact them for the pass 6 months, all I am getting is a turn around. I sent 2 certified letters in XXXX, I sent several emails, between XXXX and XXXX, I talked to several people during the same period, I always get the same answer " a manager will call you back ''. Nobody ever bothered to contact me. 

I am going through a rough time right now, I lost one my job, I can use that money to pay some outstanding bills. 

Attached are copies of all the transactions, letter I sent to Ally on XX/XX/XXXX and emails between Ally employee and I. Eventhough, she promised to follow up, she never did and she stopped talking to me after my last email asking her about my follow up. 

They know it will be hard to sue them because they are out of state. 

Please help. 

XXXX XXXX
Product: Checking or savings account

On Saturday XX/XX/XXXX at XXXX I went to the Bank of America ATM in the city of XXXX Massachusetts the ATM code is XXXX. I deposited a cash amount of approximately {$1600.00}. I called the claim center and they said the money would be in my account in XXXX business days and until now I don't have my money in my account.
Product: Mortgage

Village Capital constantly reports my mortgage loan as late when in fact its not. I have filed multiple complaints and then they reverse the credit report. Then once its time to report for the next month it gets reports inaccurately AGAIN.
Product: Debt collection

I received a copy of my credit report, and that is when I notice the collection account for LVNV Funding LLC . I was never notified by the collection company, so I was unable to dispute the account for which they are reporting.
Product: Debt collection

The company is reporting adverse information to third parties which has compromised my credit report and other reports that reflect information about me. 

The information has restricted my ability to obtain credit primarily for personal family and household purposes. 

When I entered the consumer transaction, I completed and submitted an application in accordance with Federal Reserve Act section 16. 

I was billed for several months in an attempt to collect a debt, without adequate notice that I had the right to dispute the debt. I should have never been billed. And should have received adequate notice which would inform me about the use of credit.
Product: Checking or savings account

I have had a checking account with chase bank for years. I 've always been told by their staff and even on recorded lines that if your account is overdrawn you have 24 hour of the transaction to bring the account back in good standing before you 're assessed an overdraft fee. I even have notifications provided by chase bank that notify me the account is overdrawn so that a deposit can be made. Recently, two automatic draft that are processed from my debit card were drafted and immediately assessed an overdraft fee. These two charges happened on the same day. I was never given the chance to cure my account. I 've now been told by their customer service department they do n't have the ability to override the system to reverse the fees because of a limit I 've exceeded. Where the fees were returned classified as a courtesy instead of rightfully as a " bank error ''. I 'm exhausted with the " run-around '' and newly found policies that chase bank all of sudden brings to light when I have something like this happen. I need help getting my account reconciled so that I can leave this financial institution and not have to pay the bank my weight in fees to do so.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Debt collection

One day XXXX XXXX XXXX had windows to be installed and I had them come to measure my window but the lady that came to measure told me it was possible my XXXX  would cover my window expenses and I told her I would contact my XXXX and told her to put this in hold until I contacted my XXXX  and they said yes it would be covered.The next day I called XXXX and told them to cancel. 
Shortly after I received a statement from the bank Greensky and what happened this company had charged a window using my credit. 
Last week I was checking my credit report with XXXX and the only negative report was because of this company or the bank I dont know and XXXX said it would be on report for seven years, unless they would take it off. 
I am sending you a copy of this transaction.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681N - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

Capital1 had application for card I didn't request. XXXX app & problem solved. All cc companies should inquire & verify like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I cosigned for my partner on a vehicle and leased with XXXX XXXX ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XX/XX/XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XX/XX/XXXX I conducted a credit check and found a negative account with XXXX XXXX and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XX/XX/XXXX and still found XXXX XXXX reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to XXXX XXXX disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XX/XX/XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with XXXX XXXX. I do n't know what else I can do, Please Help
Product: Credit reporting or other personal consumer reports

This hard inquiries are fraudulent I didnt authorize them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

They didn't get me logged in, I have called and called multiple times. That temporary password NEVER worked ( THE TEMPORARY PASSWORD WAS TO READ A MESSAGE, not to loggin ), they have not given me my username. Also they just gave sent a delinquent payment to the credit bureau. They have done nothing except laugh at the US government. I have called and spoken to multiple people to get this information and no one at TD bank has helped. I haven't seen a statement either, they stopped sending them to my house address. 

I want my username, I want to make a new password, I want an apology from TD bank, I want that delinquent payment taken off also. I will pay the minimum when I can log-on to my online account. I want a person from their tech department to call me and give me my username and they send me a link to my email address to make a new one. 

Also CFPB how about you contact the person with the complaint before you close the case. they have done nothing at addressing the real problem.
Product: Checking or savings account

On XX/XX/year> I filed two disputes to SoFi banking for an atm error in which my funds were not dispensed. They violated the terms of Regulation E. Avoided contacting me following up with emails, applying my provision etc. A man by the name of XXXX finally emailed me today saying that my disputes doesnt fall under regulations E which is absurd, outrageous, insane lie for them to try and cover their tail. My dispute does fall under that regulation as it was an authorized erroneous transaction! I found they have done this to many others and they try to continue to get away with this. They should be liable to pay the fines of violating Regulations as well and providing my provisional credit.
Product: Credit card or prepaid card

American Express has long been in the esteem of its millions of card members, not to mention mine as well. 
American Express has globalized and things have changed ; no longer is it important for AE to keep their promises, and honor their word. Their new singular oath is to profit, at all costs apparently. 
On or about XX/XX/XXXX, American Express solicited me with an inducement if my business met certain spending levels. By XX/XX/XXXX,  the business exceeded the spending levels, and AE refused to keep its promise and dishonored themselves. AE read the transcripts of our phone conversations, and despite hearing their own agents make those same promises, they decided that AE would be better served by not keeping to the agreement. 
American Express then took retaliatory action against every single account that my business has with AE after I complained about their disreputable practices. American Express has severely damaged our 16 year business relationship through their new disingenuous global schemes. 
I never thought that American Express would lower its standards to that of the XXXX XXXX. Buyer Beware.
Product: Checking or savings account

I am writing to file a complaint regarding an unauthorized XXXX transaction from my bank account that occurred on XX/XX/year>. Without my knowledge or consent, {$3200.00} was withdrawn from my savings account using XXXX. The money was sent to someone named XXXX, a person I do not know or recognize. 

I took action by filing a police report with my local law enforcement ( XXXX, CT ) and the police report number is XXXX XXXX XXXXXXXX. I also reported the issue to my bank same day and requested assistance in investigating and resolving this matter. 

To my surprise, my bank denied my dispute, stating that the transaction originated from my device. This conclusion does not make sense because I was at work the entire day, and my phone was with me that whole day. I did not authorize this transaction, nor did I lend my phone to anyone or provide any authorization codes. I am requesting a thorough investigation because this explanation does not align with the facts of my situation. I also changed my password to with a Bank of America agent named XXXX over at Pennsylvania on the phone. Additionally, around XXXX XXXX, I received a text message from my bank stating that someone accessed my account from XXXX, Illinois as shown in the photos I provided a location where I have never been. I do not understand how the bank did not recognize this during their investigation, as this activity is clearly suspicious and inconsistent with my usual account behavior. This unauthorized transaction has left me confused and deeply concerned about how my account was accessed.

This situation has caused significant financial distress. The loss of {$3200.00} has left me broke for 2 weeks and unable to pay critical medical bills that are overdue. I havent been provided a provisional credit throughout the XXXX weeks of them investigating. I rely on this money for essential expenses, and my financial situation has become dire because of this incident. I feel out of options and urgently need help to resolve this matter. I am completely broke due to this incident. 

I am requesting your intervention to investigate this issue and ensure that my bank fulfills its obligations to protect its customers from unauthorized transactions and provide temporary credit during the reopened investigation. I am willing to provide any additional documentation or information necessary to support my complaint. 

Thank you for your time and attention to this urgent matter.
Product: Checking or savings account

I am filing a complaint regarding Capitol Ones failure to provide me with access to my direct deposit from my employer. Capitol One has cited technical issues, which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request assistance in making sure my rights are upheld.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I purchased parts and labor for car repairs, and signed an agreement with the merchant that stated NEW parts would be installed on my vehicle. After I received the vehicle, I noticed that the parts appeared to be used and worn, so I tried to resolve the issue with the merchant. I offered to return the parts if the merchant would pay for their removal. 

When I was unable to resolve the issue with the merchant, I filed a dispute through JP Morgan Chase Bank. The dispute department consistently failed to properly file the dispute, leading to several months of back and forth with Chase. The merchant did not provide any compelling evidence that they had used new parts on my vehicle, they submitted a parts receipt from the dealership dated XX/XX/XXXX ( 6  months after they had installed the parts on my car ) indicating that those were the parts installed on my car. Finally, they admitted to installing parts from a wrecked car, but indicated that they told me they would do this verbally, despite the signed agreement between the merchant and myself stating only new parts were to be used. I do not recall any verbal agreement regarding used parts being installed on my car. 

Chase refuses to reopen the case, will not provide any explanation as to why the decision was made in favor of the merchant, and has failed to protect me as a consumer against a merchant committing fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX **Subject : ** Request for Removal of Incorrect Charge-Off Information Dear XXXX XXXX XXXX XXXX XXXX Account XXXX Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, UT Account XXXX XXXX XXXX, I am writing to formally dispute an inaccurate entry on my credit report. The entry in question, reported as a charge-off, does not accurately reflect the nature of the account. 

The debt in question should be classified as income rather than a charge-off. According to the IRS guidelines, when a creditor cancels a debt, it is considered income, and a Form 1099-C ( Cancellation of Debt ) should have been issued for me to report this as taxable income. As such, this is not a debt but rather income that should not be reported on a credit report. 

I kindly request that you investigate this matter and remove the incorrect charge-off entry from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only accurate information is reported. Since this entry is inaccurately classified as a charge-off, I urge you to correct or remove it promptly. 

Please notify me of your findings and any actions taken to resolve this matter. I appreciate your attention to this issue and look forward to your prompt response. 

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

I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. I have reached out to the FTC and to my local police department. Again I am doing this all on my own and can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX.
Product: Mortgage

Good morning. We're coming to you, hoping that you can help us get our home loan modified. 

We have been dealing with Chase for more than a year now and as of recently - we have submitted documentation, for a modification and have been dealing with them asking for the same documents over and over again since XX/XX/XXXX of last year. 

We were assigned a single-point-of-contact AND someone in the escalation department - those individuals intentionally misguided us and, as a recent, we discovered LIED to us, with regards to the status of our request. 

We were initially told by XXXX XXXX that chase was not allowed to include my wife 's income as part of our household income, because this is an USDA loan. This is incorrect. Subsequently, Chase has changed their story and said that we COULD use her income, however, based on her current debt, Chase is only able to use {$250.00} of her {$850.00} of SSI income. 

To make matters even worse - for the last month, we've been told that we had a modification being reviewed ( all notes of contact and conversations attached ) on XX/XX/XXXX, we were informed that there is NO file being reviewed nothing has been reviewed, for the last month. I've also have attached a letter saying that they were reviewing our file and they should have an response by the XX/XX/XXXX. 

They've intentionally misled us and at this point we are considering retaining legal counsel and suing them. Please assist with this exclamation points bulshit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Mortgage Reporters XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Debt collection

I received a Garnishment Doc from the XXXX County Superior Court via XXXX County Sheriffs department through my Employer XXXX. It was from Legal Recovery Law Offices for the plaintiff XXXX XXXX XXXX. It 's states that I owe {$4000.00} to XXXX XXXX XXXX. XXXX XXXX XXXX is a debt purchaser, from what I read online. XXXX through XXXX XXXX XXXX Offices have however, ALREADY started collecting in the amount of {$70.00} witch will be 25 % a week of my check, being so that I am a temp employee. This is CLEARLY a violation of the Fair Debt Act, as XXXX nor Legal Recovery Law Offices STATE the ORIGINAL creditor on this Garnishment Doc? There is n't even a TYPE of credit that this {$4000.00} was for?