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

A charge of {$5100.00} appeared on my Chase XXXX credit card on XX/XX/21. The vendor was XXXX XXXX. Chase flagged this potentially fraudulent transaction the next day and asked me if I knew about it. When I told them that I did not, they removed the charge from my account and issued me a new credit card. 

Unfortunately, when I received my next statement, they had restored the charge. I have followed up with Chase on multiple occasions and have been shuttled between multiple departments and generally given the runaround. In one of these conversations, the representative discovered that the travel took place in XXXX and was used by somebody who is not known to me. This is clearly a credit card security issue on their end. 

I will continue to seek resolution with Chase but they do not seem like they are willing to help. The charge remains on my account, accruing interest. 

FYI... I have tried to submit a copy of my statement but nothing happens when I click on the attachment button. I have tried on two devices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon noticing that an account XXXX XXXX XXXX was reporting erroneously on my credit report, I sent letters to all three Credit Bureaus. I also emailed XXXX XXXX XXXX and sent letters to them. 
XXXX XXXX XXXXnd Equifax all " updated '' this account by deleting payment history but left it in a Derogatory Status without ever providing proof of validation. At the same time, the email responses from the CEO of XXXX XXXX XXXX and an account manager stated no account could be found in my name. Therefore, all three credit bureaus are in violation of the FCRA. I have sent all three Credit Bureaus copies of above mentioned emails with zero results.
Product: Debt collection

I filed a compliant against this company X/X/2016 regarding there illegal collection tactics never received a response. Rep where XXXX XXXX & XXXX I also spoke with the owner of the company advised him his reps where pretending to be law enforcement. Multiple fdcpa violations. I requested {$5000.00} for the vilolations & removal from my credit report with the original creditor XXXX XXXX XXXX. I am wanting a respone or will have to seek legal action. I also need this removed from my credit.
Product: Debt collection

AMEX has listed I was past 30 days late and I was not all payments were set up on automatic payments. Please remove this false remark
Product: Mortgage

I started in a loan modification program for my mortgage in XXXX of XXXX. I paid three trail payments, XXXX, XXXX and XXXX of XXXX and returned the signed and notarized paperwork ( notarized by my lawyer ) in XXXX of XXXX. That completed the modification process and I continued to pay the agreed upon mortgage amount every month since. I have bank statements showing my payments have been made and are on time ever since. 

In XXXX of XXXX, I logged into my account online and noticed my account was showing past due. I called Loancare, was transferred to a superior who looked into the issue and saw there had been a miscalculation made in their underwriting department which was causing this issue. I was assured the issue was being escalated to be resolved. I have since been calling Loancare several times a month for the past 5 months - this issue has not been resolved, the calls I'm told will be returned are not and the issue persists. I continue to pay my mortgage, and each month it is showing I am behind - essentially my payments are not being applied properly. 

I have been approved by another lender to refinance so I can get away from Loancare as they won't resolve the issue, but because the issue is unresolved, and my payoff being given by Loancare to the new lender is showing I'm behind, I can't refinance. I have given my new lender authorization to communicate with Loancare and they have spent over 6 hours on the phone with them over the past three weeks- still being promised that the issue is being escalated and someone will call them back with resolution, but no call backs have been received. 

It feels that Loancare is being unethical holding my business XXXX with them as they refuse to resolve an issue that I have been trying to resolve for several months. This is negatively impacting my as I have the opportunity to get a lower interest rate and with each week that passes, I loose the chance to do so.
Product: Debt collection

National Credit Systems is attempting to collect a debt I do not owe. I had a lease with an apartment complex XXXX XXXX XXXX that was managed originally by XXXX originally ( management changed after I left ). This management company offers leases to students for the time of their school year ( 6 months, 9 months and 12 months ). I signed a 9 month lease with them.

The entire lease payment was made through my scholarship. I have provided the email conversations of coordination of that payment.

After my 9 months, the new management company attempted to accelerate the lease and charge me for additional months and fabricated damages and incredible cleaning charges that amounted to {$7000.00}. I have learned that such scams are common with some unscrupulous management companies to continue to suck revenue out of past tenants and provide an additional income source.
The Consumer Finance Protection Bureau needs to research this not only for me..but for all of the other students who have fallen into this trap.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 A states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Transunion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures.
Product: Debt collection

XXXX XXXX XXXX sold an account together with all my personal confidential information to Portfolio Recovery Assosiation, info like SSN, Names, Mailing adress, Birtday, Phonenumbers etc etc. After that Porfolio Rec Ass start calling me and harresting me true phone calls and mail letters I dispute for almost 8 months this account, asking for signed contracts between me and them, bill statement that show for how much they bought this account and my personal confidential information and any autorization that proof they have the right to use all my information. Months after months this company send me letters stating this account has been validated under my name and belongs to me. Finally Portfolio Recovery Ass closed this account and deleted all reporting from the credit agencies. BUT TILL THIS DATE NONE DOCUMENTS HAVE BEEN MAILED TO MY ADRESS THAT SHOWS FOR HOW MUCH THEY BOUGH ALL MY PERSONAL INFORMATION AND I AM STILL AFRAID THIS COMPANY WILL USE MY PERSONAL INFORMATION FOR MALICIOUS ACTIVIES FURTHER UP. IN THIS CASE ALLY FINANCIAL AND PORTFOLIO REC ASS ARE NOT COOPERATING IN MY REQUEST OF THE DOCUMENTATION ABOUT THE SELL/BOUGH OF THIS ACCOUNT.
Product: Mortgage

Basically, we were supposed to close on the sale of my house on XX/XX/XXXX, but my buyers realtor didnt disclose that they had a for-sale contingency until they had issues last second, so it ended up pushing my houses closing until XX/XX/XXXX. Because of them lying, my pay-off quote for my mortgage expired on the XXXX, so the attorney facilitating my sale sent an extra {$5000.00} to cover our butts in case for some reason we ended up with a bunch of interest or something. Im not sure why he insisted on sending that much for a single day, but now the issue is I cant get the bank ( XXXX ) to refund the excess monies. Ive called them on 4 occasions now and been given 4 different dates that they claim the refund check has been mailed and I have also been given two different numbers that Im supposedly owed back ( was told {$5100.00} originally, and {$4800.00} on my last call on XX/XX/XXXX ). They called my attorney and said that they were going to send the money to them and the attorney said send it directly to me, they dont need it. The attorney said they were insisting on it going to them because for some reason Flagstar doesnt feel comfortable mailing the check directly to us. They told my attorney on XX/XX/XXXX that the check was mailed out on XX/XX/XXXX right after I had gotten off the phone with a Flagstar representative and told they sent the money on XX/XX/XXXX. The attorney tried following up today, XX/XX/XXXX after never receiving the check that they were told was being sent to them and Flagstar decided all of the sudden that they cant talk to the attorney without my authorization, despite doing so a couple weeks ago and insisting it was the attorney they deal with. I need the money but dont have the time or funds on hand to pursue the matter any further because I keep getting the runaround and at this point what is blatant lies. I also feel that I should receive the full amount back plus interest on my behalf as seeing how its been almost 5 months since the closing was completed.
Product: Checking or savings account

I originally called on XXXX to change my last name on my two credit cards I have with Capital One ( Quicksilver : XXXX and XXXX XXXX ). I was told that since I have a checking account ( # XXXX ) open, that my last name can not be changed on my credit cards. I told them I haven't used the checking account in over XXXX. After being on the phone with them for over an hour and being transferred everywhere, they said the account would be closed and to call back the next day. I called back on XXXX to confirm that the checking had been closed, and the rep said they didn't see any notes on the account that I called nor that the checking account had been closed. So, another hour on the phone to get this done. They said to wait 1-3 days and call back. SO, on XXXX I called back and was on the phone for almost two hours this time. By then, I'm losing patience. They said wait 7 days and it will be closed. I'm tired of getting the run around. I haven't used the checking in two decades, I need to change my last name, which was granted by a judge on XXXX and I haven't even gotten to the name change process with Capital One, because I can't get passed the issue of the checking account. This is extremely frustrating.
Product: Debt collection

I noticed this problem XXXX 2024 this account doesnt belong to me
Product: Credit card or prepaid card

I placed an order from XXXX for {$2600.00}, on XXXX XXXX. Waited about a week for my order, and my order never arrived despite tracking showing delivery. I contacted XXXX for any response or help in locating the order and they did not help at all, and told me to file police report. I filed the police report for the missing package from XXXX and submitted to XXXX. I have not heard from XXXX since. A few days passed and I decided to go through my bank, Chase, and disputed the credit card transaction with them. 

After I submitted the disputed with my credit card company -- Chase -- XXXX replied to my dispute and said it was delivered and Chase sided with XXXX. I still have not received my order or refund. 

I know I never received the order because I have a security camera in front of my house, and my security camera would have recorded the carrier delivering the order. There was no recording captured by my camera at the date and time the order was showing delivered by the carrier. Not only that, they stated that the package was signed for, however, the signature was not mine signature and whoever signed for it spelled my name wrong. 

Not only that, I also filed a police report as requested by XXXX and the representative from XXXX said once I submit the Police Report to them that they can help with refund, but that did not do anything as I have submitted the Police Report to them and I still have not received a refund or a reshipment of my order. I have also tried to submit the police report to Chase as further proof that I did not receive the order to back up my claim that I did not receive what I purchased from XXXX but Chase is refusing to even look at it or receive it.
Product: Debt collection

This is a follow up complaint to what I submitted on Monday, XX/XX/XXXX against XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX, Ph : ( XXXX ) XXXX. Myself and my mother called dozens of times on Monday because their faulty system took double payment from us. See other complaint on account # XXXX for details. 

I was told by XXXX ( alleged manager ) that he would forward my information to processing and that I would be refunded by today XX/XX/21. As of XXXX, I have not been refunded for the extra {$710.00} that was taken from my checking account without authorization. I was told on XX/XX/21 that they would reverse this extra payment and that the processing lady " catches these mistakes '' right away. Both the authorized payment of XXXX and unauthorized amount of {$710.00} were posted to my XXXX XXXX account, meaning they processed both. 

I called today several more times. I left a message with supervisor XXXX XXXX at approximately XXXX, and as of XXXX, has not responded to my request for contact. XXXX, another alleged supervisor, said that he would have to send my request to processing ( again ) because he couldn't see that she did not refund what was owed to me. 

At this point, their behavior has turned criminal. They processed {$710.00} that I did not owe or authorize, have had several days to process the refund, and have ignored all my requests for contact. They also processed the unauthorized amount of {$710.00} instead of reversing the charge. This company is engaging in fraudulent behavior and stealing unauthorized payments. I want this money refunded to me. I would also like to be reimbursed for all the overdraft and late fees I've incurred as a result of this criminal behavior. To date, I have incurred two overdraft fees totaling {$39.00} each from XXXX XXXX, that would have otherwise been covered if not for their stealing an extra payment from me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I locked myself out of my original Venmo account. I created a new account because my father had died and I needed my husband to send me {$780.00} instantly to cover my dads cremation ( my portion ). I had trouble connecting my card so I contacted customer service. The told me that I cant have two accounts with the same card and I advised them that I lost access to my other account and that they can close the old account and I will use the new one. At no time was I advised that this would cause a problem or flag my account. The old account was deleted, and the new one was allowed to receive the money. I tried to instantly cash out the amount and it wouldnt let me because I needed to ID verify. I sent I. My ID and was verified the next day. I went to cash out the money and found my account. Was frozen. I contacted customer service again explained to them that this money was for my dads cremation and that I was ID verified and they told me that a different department handles this and that they are only reachable through email. It has been 8 days. My father is lying in a freezer, dead. And I still cant have him put to rest because of Venmo holding my money. I turned in my ID 3 times. My husband account. Was frozen as well and he also sent in the bank statement, and ID showing proof that this is real. I want my money released back to me. The fact that I cant speak to anyone, that no one can help me but they can hold my money for weeks in a time when Im already grieving, hurting they just traumatized me more. This was all the money I had for this, I have no other family to help and the funeral home will be disposing of my fathers body without releasing the remains to me because of failure to pay. My fathers remains will be dumped like garbage because VENMO decided to hold my funds after I verified my identity. I have contacted an attorney and we will be suing for pain and suffering involved over this. I want my account opened and I want to transfer my funds. Now. Venmo is a horrible company that never disclosed to me that it would be a problem. They had the opportunity to tell me and didnt. Shame on them. Im absolutely traumatized that my fathers remains will be garbage by morning.
Product: Credit reporting or other personal consumer reports

HELLO MY NAME IS XXXX XXXX XXXX, I'VE RECENTLY NOTICED SOME UNAUTHORIZED INQUITIES ON MY REPORT & ACCORDING TO THE FCRA THIS IS A VIOLATION OF MY RIGHTS, ANAD ILL LIKE TO THE ACCOUNT REMOVED IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

CHIME XXXX XXXX I CLOSED THIS ACCOUNT ON XX/XX/XXXX CHIME XXXX  IS STILL REPORTING FALSE INFORMATION TO ALL XXXX CREDIT bureaus ON XXXX THEY REPORTED I OWE OVER XXXX ON XXXX THEY ARE STATING I OWE {$520.00} I MADE NUMEROUS CALLS TO CHIME TO GET THIS CORRECTED THEY HANG UP ON ME MOST OF THE TIME CLAIMED THEY COULDNT SEND ME ACCOUNT CLOSE {$0.00} BAL INFORMATION THEY SAID THEY HAVE ESCALATED THIS MATTER SINCE XXXX NEVER RECEIVED EMAIL OR CALL BACK FROM THEM. THIS IS DESTROYING MY MENTAL HEALTH AND FINDING A PLACE TO LIVE TO THE POINT WHERE I WANT TO XXXX XXXX XXXX XXXX IVE BEEN HOMELESS SINCE XX/XX/XXXX AND IVE BEEN GETTING DENIED APARTMENTS BECAUSE OF CHIME REPORTING I HAVE FALSE DEBT I EXPLAINED TO THEM ON XX/XX/XXXX IF THEY CANT SEND ME THE DOCUMENTS I NEED I WILL BE REPORTING THIS AND PERSUE THEM LEGALLY THEY CONTINUED TO SAY THERE IS NOTHING THEY CAN DO
Product: Credit reporting or other personal consumer reports

I noticed that the Transunion report for me states that there are two late payments. One for the month of XX/XX/2017 and another for the month of XX/XX/2017. Being that I never received any written notifications within 21 days before either of the payments were due ( nor did I receive any other notifications at all whatsoever ) continuing to report them is a direct violation of the 1637b clause of title 15 U.S.C. 1666b of the commerce and trade law.
Product: Debt collection

I lost my job and was laid off and at the mean time going through divorce. I did not have a job for 7 months and right now working part time and barley cover anything but to survive a place to live under the roof. I have made an effort to put all my creditors to XXXX XXXX XXXX and pay monthly to debit relief and now I am being sued by XXXX XXXX Attorney at Law with XXXX credit card and saying they will garnished my paycheck.. I do not think its right since I am making an effort by going through Debt Relief program that's the only options I can do and limit amount I can afford to pay it off Thank you
Product: Credit card or prepaid card

Federal law limits consumers liability for unauthorized transactions on their credit card accounts. However, PenFed imposes a 60 day period for consumers to report unauthorized transactions on their VISA credit card. 

After asking PenFed to explain the procedure for disputing unauthorized charges on my account, I received a message from them ( see attached " Message 1 ... '' file ) containing the following sentence : " You have 60 days from the time your credit statement cycles to dispute the transaction in question. '' When asking for clarification in response to that message " Thank you for detailed instructions. I have one question about the 60 days requirement for the time frame to dispute unauthorized charges on my credit card account. Your company and VISA advertise {$0.00} liability for the unauthorized uses of the VISA card and it is not clear to me where o you disclose the 60 days limitation '', I received a response from PenFed highlighting among other things the following statement in their disclosure " You must contact us. *Within 60 days after the error appeared on your statement ''. 

While PenFed never mentions in their disclose that the 60 day limitation applies to the unauthorized charges ( PenFed uses the term " error '' ), my question to PenFed to which it responded was very specific and mentioned unauthorized charges. 

I would like CFPB to review the documentation and assess whether PenFed 's requirement to customers to agree with the words of the attached disclosure ( see the highlighted statement of " Message 2 attachment ... '' file ) and PenFed 's email communication implying that the highlighted statement pertains to unauthorized charges on consumer 's credit card account is compliant with the Federal law limiting consumer 's liability for unauthorized transactions on their credit card accounts.
Product: Debt collection

Send debt validation letter on XX/XX/XXXX. Debt validation letter was delivered via USPS certified mail on XX/XX/XXXX. Company has not responded. 

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

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information ( XXXXXXXX XXXX XXXX ) to any XXXX  nonaffiliates per XXXX XXXX XXXX and the XXXX XXXX XXXX XXXXXXXX. Also per XXXX publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on my credit report.