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

I was purchasing airline tickets through the Delta XXXX website and there was a promotion for Delta SkyMiles credit card, I called an talked to an American Express agent and he signed me up for the skymiles card and charged me {$190.00} dollars, he was very hard to understand. Terms required that I spend {$3000.00} on the card within 90 days and I would receive XXXX bonus miles. I did spend the {$3000.00} in 30 days, including the {$190.00} service fees. When I called American Express on XX/XX/XXXX they explained that I did not reach the XXXX dollar amount because they do not include the service charge as part of the XXXX dollars. I explained to them that the adviser never explained this to me and they should make an exception. American Express said they would send this to their complaint department and I would receive a written response in 8 weeks, which I never received. I called on XX/XX/XXXX and they gave me the same response and now they are not responding in writing. Then the American Express adviser said he couldn't hear me and disconnected the call, even though I was calling from a land line. American Express has very deceptive in their practice and I feel they are taking advantage of senior citizens. I would like my XXXX bonus miles or my {$190.00} back. They should also respond me in writing as they said they would. American Express advisers are very deceptive and just hang up on you. I was very polite on the phone and they still hang up.
Product: Credit card or prepaid card

Since the month of XXXX after the passage of XXXX XXXX, the economic situation changed as the hours of work reduced them, the costs of the products increased or decreased. I want to make the payments but the economic means do not give me. I want to restructure the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is using my private information regarding 501 ( c ) ( 1 ) TAX EXEMPT ENTITY in PROHIBITED TAX SHELTER TRANSACTIONS for purposes of EMBEZZLEMENT pursuant to AGGRAVATED IDENTITY THEFT in commerce without consent nor return of benefit without XXXX or XXXX forms ever being filed. 

XXXX BOARD OF DIRECTORS given notice of damage FROM XXXX XXXX via USPS CERTIFIED MAIL NUMBER XXXX XXXX XXXX XXXX XXXX and refused opportunity to cure. 

XXXX BOARD OF DIRECTORS now being given NOTICE OF INTENT TO LIEN and INTENT to SUE.
Product: Checking or savings account

I just want to let you guys know that I have never been so upset, let down, and defeated more than I do today. This is the 3rd time Chime has denied my claim for the money that was stolen out of my account on XXXX, XXXX at XXXX XXXX in the morning. I have been nothing but a loyal customer of their 's for YEARS AND YEARS. Spoke great things about them to my family and friends. Even got people to sign up for Chime. And the fact that I can't even trust MY bank to have MY back on a fraudulent charge is crazy. 
Over {$2000.00} dollars was stolen out of my account on XX/XX/XXXX at XXXX XXXX in the morning. I was on the phone with a Chime representative who was helping me gain access of my account back while the hacker was still in control of everything. I was a victim of theft and the bank who I've read and have been told is FDIC insured won't help me. I am a single mother who doesn't make a lot of money. I was suppose to pay rent with that {$2000.00}. Chime gets their money back regardless and I'm just stuck trying to scrounge for every single last dime so me and my daughter don't end up homeless. It wasn't my fault that this money was stolen. And I understand it wasn't Chimes fault either. But I've put 3 different claims in to dispute this transaction. I have filed a police report, like they asked.. with my local police department. AGAIN.. they denied my claim. So this makes 4 denials. Have waited over a month. Hoped and prayed that I would get help from my bank and I would see this money back. Only to be told " no '' every single time. I'm heart broken. And what makes it worse, is that I see Chime just handing out money all over social media. Which is awesome marketing for them, I know. But why not help out one of your members that really needs it? That has been struggling and fighting with their dispute team for over a month? I just get shot down every single time. It's so sad. I worked hard for that money that got stolen from me. And now I understand that you guys really don't care about your members. I used to have so much respect for Chime. Now I'm going to close my account and report Chime to the CFPB
Product: Checking or savings account

XX/XX/year> I opened an account online I never received my card on the mail I let customers service know about it they never resolved.They keep XXXX saying they could not access my account due that I didn't know my security word.And my online account is blocked as well I don't have access to it neither. Because I tried to reset my password but I don't have the debit card number I never received. I send a letter notarized on XX/XX/year> and have not received nothing to solve this problem. My tax refund was sent to this account I have bills to pay and I don't get no respond am really disappointed at the customer service I haven't got no one to help me solve this problem. I have everything to proof my identity that that's my account .I don't have a branch close to me since am in Texas.I would like to solve this problem.Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : Dept Of EDXXXX Account number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Number:XXXX Account Name : XXXX XXXX XXXX Account number:XXXX Account Name XXXX XXXX XXXX XXXX Account number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number:XXXX HAS 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 instructions.

16 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of conviction of crimes which antedates the report by more then 10 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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: Mortgage

This problem has been ongoing since XX/XX/2019. First with XXXXXXXX XXXX and now with PHH, the successor to XXXXXXXX XXXXXXXX PHH is requesting {$390.00} for a p-payment made for condo fees which were stopped when a checking account was mistakenly closed out. On XX/XX/2019, a payment for {$310.00} was withdrawn from my XXXX bank account ( see enclosed confirmation card from XXXXXXXX XXXX ). XXXX XXXX  Representatives continued to harass me for payment, so I sent them the enclosed letter and check # XXXX XXXX XXXX ) for another {$390.00} on XX/XX/2019. Over the past XXXX years XXXX XXXX  and PHH have continued to harass me for the {$39000.00}. By all accounts, XXXX Mortgage and PHH owes me {$390.00}. This information and many telephone communications have been provided to the mortgage companies but they refuse to accept it and refund my {$390.00}.
Product: Checking or savings account

Hi XXXX, I would like to express the dissatisfaction about your call center / fraud department procedure. 

As a long time customer, I was accused as a fraudster depositing a fraudulent check. 

I was laid off by a lender few months back and my last paycheck was placed on hold and couple of days ago on XX/XX/30 I deposited my first pay check and still being accused they suspecting the check is fraudulent even it is from XXXX XXXX XXXX  even I called in on XXXX and XXXX to try to resolve this Not only the employees are not helpful - On top they do not allow the matter to be escalate further. 

I am indeed the check deposit to survive due to the current economy but Chase truly making the transition harder than ever. 

I would like to see if you can assign someone to look into this further. 

Thank you.
Product: Checking or savings account

In the month of XXXX i was expecting a deposit from a XXXX XXXX after receiving double debits to my account the bank requested that i open a new checking and savings and close the checking account and take the money that was in there out at this point the depositor is XXXX XXXX after the remainder of my funds were received and carried over to the new checking account because of the double debits a hard hold was put on my account until it was fixed requested by me. There was a deposit that came from XXXX XXXX which i have proof that hes the depositor someone then creates a depositor by the name of XXXX XXXX  and says that they received the funds out of my account which after getting a letter from this merchant it is showing that someone created the check situation to steal he funds out my account the merchant listed has wrote a letter on my behalf stating that they never had my account info at all and did not receive funds out my account also also there is a wittiness from wells Fargo bank who heard he debit thefts from my card i want a refund back into my account for the stolen funds
Product: Credit reporting or other personal consumer reports

On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX, XXXX, XXXX, and XXXX along with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them.

I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.
Product: Checking or savings account

I had an account with Chime Financial, the online banking site. On XX/XX/2022 my credit builder account was hacked, depleting my credit builder account of its funds. On Sunday morning, XX/XX/XXXX the funds were back in the account but on that evening I was hacked again. 

On Thursday morning, XX/XX/XXXX, XXXX XXXX, I received an email from Chime informing me that they were immediately closing my account for " non-compliance '' of their XXXX and they were not going to refund the balance of my account. 

With no prior warning this left me in the position of having no bank account and no funds to open a new one elsewhere. 

What is most distressing is that the money they are holding XXXX is a direct deposit of my Social Security payment for the month of XXXXXXXX XXXX I live on a fixed income and am dependent on this money for rent, car payments and other necessary bills. My creditors have been understanding with my situation but it has been extremely stressful and put me in an unfortunate and unnecessary burden financially. I am currently undergoing treatment for XXXXXXXX XXXX XXXXXXXX XXXX and this money is necessary to help pay for travel expenses to Ohio. I am in a dire situation and Chime is unwilling to return my funds. 

They will not tell me what non-compliance i am in violation of nor have they made any effort to release my money. It is my understanding that it is against the law for them to hold a federal check or a direct deposit. Many phone calls to member services have been fruitless and i am given the runaround and told that my issue will be expedited and that it takes about a month to release my funds. As of XX/XX/XXXX I do not have my Social Security check for XX/XX/2022 and they will not tell me what I did for them to close my account without due notice nor are they going to return my funds. 

I am desperate for help. I would appreciate any assistance you can give me. Thank you.
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/year> This letter is to formally dispute the debt you are attempting to collect from me. In reviewing my credit report I see your agency listed regarding a debt of allegedly owed to XXXX 

I dispute this debt for the following reason ( s ) : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Money transfer, virtual currency, or money service

In early [ XXXX, 2024 ], I received notification from Wise that my account, which I had been using for over XXXX years for business purposes, was suddenly closed. This closure occurred without prior warning, significantly disrupting my business operations. 

Despite numerous attempts to contact Wise and seek clarification, I was not provided with a specific reason for the account closure. The only information given was a standard response indicating a review process, with an expected wait time of a month for any further update. This lack of clear communication and transparency has caused considerable inconvenience and uncertainty regarding my business finances. 

Additionally, while researching this issue, I discovered that many other Wise customers have encountered similar problems. Numerous accounts highlight experiences where accounts have been closed with minimal or no prior notice, followed by prolonged periods ( exceeding XXXX months in several cases ) without adequate responses or resolution from Wise. 

This pattern of account closures and the subsequent lack of prompt and clear communication from Wise not only affects individual customers but also poses a larger concern regarding the company 's customer service practices and adherence to fair consumer treatment standards.
Product: Mortgage

This afternoon around XXXX I was discussing a VA home mortgage loan with : Hello, My name is XXXX XXXX XXXX and I am your Account Executive.It is my pleasure assisting you with a potential Mortgage Loan solution! 
Thank you, XXXX XXXX Account Executive MLO NMLS # XXXX Company NMLS # XXXX   Tel : XXXX | Fax : XXXX ===================================================================== XXXX XXXX is a registered dba of NewDay Financial, LLC. 
XXXX CONFIDENTIALITY NOTICE : This e-mail message and any attachments are proprietary and confidential information intended only for the use of the recipient ( s ) named above. If you are not the intended recipient, you may not print, distribute, or copy this message or any attachments. If you have received this communication in error, please notify the sender by return e-mail and delete this message and any attachments from your computer. 
===================================================================== And while she was taking down my personal information the fact came up that in XX/XX/XXXX I had to do a Deed-in-lou with XXXX XXXX when they convinced me i had no choice in the matter. Another mistake. XXXX XXXX informed me that because the deed-in-lou was not outside of a 5 year period that NEW DAY could not service my loan or go forward. I said ok fine. I said forget it and DO NOT PULL MY CREDIT REPORT as i was also working with The XXXX XXXX and i had given them permission to pull my report and i did not want a lot of marks against my credit. It was then that XXXX XXXX said that she had already done so. I got mad and and told her I HAD NOT GIVEN HER PERMISSION TO DO SO and explained the damage that it could do to my already shaky credit. she said that because it was so close to the report that XXXX XXXX pulled, that it would do no harm. I said good by and hung up. 
XXXX sent me a e-mail about a check on my credit as follows : Hello XXXX, we identified a change in your credit report! XXXX XXXX  We will continue to monitor your credit as part of your membership, so rest easy knowing we're always looking out for your credit health. 
New Mortgage Inquiry reported by XXXX A hard inquiry is a request for new credit in your name. 
VIEW YOUR ALERT I am beyond angry.
Product: Debt collection

Citibank XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. We purchased a TV from Best Buy in XXXX. Citi bank was the lender. The bill was paid off in XX/XX/XXXX. 
XXXX we were charged {$90.00}. We had not purchased anything. in XXXX I received a bill with penality attached and I contacted Citi and told them there must have been a mistake because we haven't purchased any products or service from Best Buy for over a yearr and our statement should be XXXX and was XXXX starting XX/XX/XXXX. They said they would fix the problem because it was a computer error. The next month I received another bill plus penaltys. Once again I called and I was told they would fix it but they could only take part of the paymenty off. It is XXXX XXXX and I received a threatning letter. I called once again and was transfered 8 times to 8 diffgerent people over an hour and fifteen minutes.. It was difficult to communicate because their connectiuon wasn't good going into their call center and most of the people weren't fluid in English and given instructions not to settle. That was from XXXX call..Please help and clear my account and I don't wish to do business with this FRAUDULANT COMPANY any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunday, XXXX XXXX, my name XXXX XXXX, I was looking into my credit through credit karma and when I did, Equifax did not have anything available because apparently I was reported as DECEASED. I am very much alive! I did try to reach out to Equifax through a couple phone numbers and a website provided but was unable to reach anyone. I don't know what to do at this point. I can provide any information to prove that I am alive.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Bank of America claim XXXX XXXXXXXX On XX/XX/2024, I sent a WRONG payment to ( XXXX ) XXXX for {$3000.00} under the name of XXXX XXXX XXXX I mistyped the phone number and it was supposed to be for ( XXXX ) XXXX for XXXX XXXX. I dont know XXXX whatsoever, it was a typo mistake that I made. I also had tried to message the person, and she never responded. I never had any association with the person in my life and I dont know that person. Ive attached a screen shot of my message to her right after I realized I made that mistake. Ive attached it with this claim. 

Under Regulation XXXX, authorized under the Electronic Fund Transfer Act ( XXXX ), protects consumers like when they transfer funds electronically. It allows you to dispute an XXXX withdrawal, debit card purchase or electronic funds transfer. 

The rule specifically protects you from an incorrect electronic fund transfer to or from your account. According to the Consumer Financial Protection Bureau ( CFPB ), Regulation XXXX applies to transfers made through XXXX. 

Ive called BOFA immediately after my mistake, the put in a claim, and today I just received a denial letter.
Product: Credit card

Bought a watch froXXXX XXXX XXXX XXXX XXXXsing the Afirm credit offer. Received the watch didn't like the fit. XXXX the watch to Swiss watch expo. After the return was approved and the watch was mailed insured to the company ( who still is in possession of the watch ) i am still being billed for the purchase price. After noticing I was still being billed i had already paid over XXXX that the company has not reimbursed.