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

My son had a checking and savings account with Chime. He was killed in an accident XX/XX/XXXX. I contacted Chime XX/XX/XXXX via email ( their phone support is non-existent as all options ultimately culminate is directing one to send an email to their support team ). 

After providing proof of my relationship with my son ( guardianship, drivers license, and death certificate ) Chime issued two checks on XX/XX/XXXX for the balances in his accounts ( less than {$500.00} total ). After depositing both checks they bounced on XX/XX/XXXX, my bank told me insufficient funds, and I received a penalty fee for the returned checks. 

Today XX/XX/XXXX I contacted Chime and they told me they are not responsible for the bank fees, that the checks were sent to me in error, and they now need a Small Estate Affidavit to reissue the checks. 

As I've already provided the initial documentation they requested, I'm concerned if I provide any additional documentation why should I believe any future checks from Chime won't also bounce an incur additional fees?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX  - XXXX - " You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. '' XXXXXXXX XXXX XXXXXXXX - XX/XX/2024 - Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Product: Credit card

I file a application for Citibank credit card. I was denied because they said I filed too many applications. The problem with that is I file XXXX applications with Citibank and was denied all 3 times. I feel that I am being discriminated againist because I am XXXX. Citi bank need to be investigated for there credit card practices approves others but denies XXXX. There practices are troubling to me because I am being denied because of the color of my skin. ca ; ; citi bank to complain and was still denied. They are not treating minority customers right and should be looked at.
Product: Mortgage

I received notice that Carrington Mortgage Services is now servicing my Veterans United Home Loan. The XXXX page letter does not contain any information regarding the valdity of this transfer. There is also not instructions on how to make automatic payments. The servicer wants me to mail my mortgage payment ( does not even list the payment amount ) to a specific address. I do not know the validity of this and do not know if this is a fraudulent notice trying to get me to pay them my mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt below is not mines.I was never contacted by this company and given a chance to dispute account. By law I have 30 days after receipt of a debt to dispute. This information is wrong and not mines. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$31000.00} {$31000.00} XXXX XXXX XXXX XXXX XXXX, MS XXXX
Product: Debt collection

I filed for divorce in XXXX of XXXX  which created financial separation from my XXXX. In XX/XX/2021, she fraudulently docusigned my name to a lease at XXXX XXXX XXXX. I never consented to the lease, signed the lease, or visited/used the property. It is in XXXX XXXX and I live in Washington. The debt was sold to Hunter Warfield who is now trying to collect the on the debt. Their number is XXXX
Product: Mortgage

Guardian Mortgage of XXXX Texas withheld my insurance money for home repairs until the repairs were complete. I paid off the mortgage. If I had n't had enough money. I would have been left homeless because of their abusive policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 45 days ago, I sent a request to Equifax and XXXX XXXX asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have not.
Product: Student loan

Having trouble with conduent who is the loan servicing agency for XXXX. We took educational loan from XXXX for our daughters college education and then repaid it on XX/XX/2018 by refinancing it with XXXX XXXX for better rate. We called them after to make sure the loan has been paid off in full and they told us that we overpaid around {$5200.00}. They assured us that it will take 60 days to refund the amount. We waited for 60 days and more and called them again on XX/XX/18 and they told us that account was frozen so now they will send the request to refund. Called them again on XX/XX/18, we were told that still waiting for the approval from XXXX since the amount is over {$5000.00}. Called again on XX/XX/18 and was told that the 2 Cheques for {$3900.00} and {$1300.00} totaling to {$5200.00} were sent on XX/XX/18 as a refund and I should be receivng them shortly. Waited whole week and called again on XX/XX/18. To my surprise, I was told the same story again that they are waiting for approval from XXXX for refund and no Cheques were sent. Asked them to transfer my call to a supervisor and was told that they are all busy on other calls and took my number so they can call me back and they never called back. I hope XXXX understands that they owe me interest on my money they are holding for no reason as it is not a small amount and that amount is supposed to be used for my daughters educational loan repayment. Since they charge us interest on the money they lend us then they should be paying interest on the money they are holding back. Please help us in getting our money back from them with interest and compensation for time and energy spent in calling them and talking to the customer service professionals who will give us different answers each time. They are incapable of giving any right answers. We are very disappointed with this company and probably will never work with them again. 
The above complaint was closed with a response from company saying that they have issued and sent a Cheque to XXXX for the amount of {$5200.00} on XX/XX/2018 but to my surprise the funds have not been received by XXXX  till today XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, XXXX XXXX ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the XXXX XXXX account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for XXXX XXXX ( see attached bank statement ) - On XX/XX/XXXX, XXXX XXXX sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, XXXX XXXX sent me a 1099 for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, XXXX XXXX was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the discharged amount. I then lodged a dispute with Equifax, but was denied ( see dispute attached ) - At this point in time, I have paid off XXXX XXXX, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.
Product: Credit card or prepaid card

I have attempted many times to get a charge removed permanently from my credit card. They refuse to assist me with the process. Sending me letters after the fact. I am the card holder but the refuse to work with me. I know I have rights - the right to be informed in the process and the right to refute findings. Not so. All they want is my money. The charge is bogus and I have made numerous attempts to contact them and they still have not called me back - not once has someone called to mediate this dispute. They send letters with dates that have already expired - none of them signature required. Why can't they take the charge off the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Product: Credit card

This is a follow up to complaint # XXXX. This complaint was closed out based on inaccurate information provided by Citi. They continue to claim I filed the dispute outside of the XXXX required timeframe, but provide no data other than the date the transaction posted on XX/XX/XXXX. 

Here is the data that I confirmed with the customer service rep at Citi last week. 

Dispute filed on XX/XX/XXXX which is day XXXX ( not after 120 days as the response claimed ) I also confirmed with MasterCard that filing an initial dispute on day XXXX is satisfactory. 


When I started having challenges with my purchase, I called Citi in XXXX and was told I had until XX/XX/XXXX to file the dispute which I did I am not sure what is occurring on Citis end, but they obviously have a major flaw on their process. As a consumer, I should have the ability to speak with someone and I have asked for someone to call me no less than 10 times regarding this and not a single phone call. Each time I call, I reach someone in the XXXX that has no authority to make a decision nor can they transfer me to a US representative The only responses I get via email are through this complaint process and they provide no data or factual information. 

I ask that you research this further and hold the bank accountable to adhere to their own policy, governed by MasterCard This is starting to border on disparate treatment as theyre not honoring their cardholder agreement to me, the consumer Next step will be the Attorney General and if that is unsuccessful, I will file a lawsuit against Citi if I do not start getting some factual answers Again, I want to be clear, I know the regulations and asked the questions upfront to the customer service department which I followed everything to the letter. If there was a break on the banks part, and they did not file the dispute on their end timely, that is on them.
Product: Debt collection

I have no knowledge of this debt. It reported on my credit without receiving a notice that this would report to my credit, along with other violations which includes a collection account with NO delinquency date connected to the original charge-off, I also reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies .Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. CFPB : please look into this matter. If this matter is not resolved asap I have no other choice but to speak with counsel, will go through the process of medication, and I plan to seek {$1000.00} for damages and each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax breached all of my personal info to cyber attackers : XXXX XXXX XXXX Apparently they knew of this breach for 2 months and did nothing about it, now all of my personal information is in these cyber attackers hands to sell ...
Product: Debt collection

I was contacted today at work by XXXX, claiming to be a debt collector and that this was a personal business matter, however the caller did not state who they were, what the debt was, nor would they verify the information that asked about. This same number has called my cell phone, with the same lack of information. They are asking me to verify personal information, and want me to answer their questions, however when I ask for a reverse verification they state that they are unable to provide me the information that I am asking for, unless I provide them my personal information.
Product: Mortgage

To whom it may concern. 
I have a few concerns with my HAMP loan modification with Chase Bank Starting XXXX XXXX XXXX with my Trial Period Payment. I feel these needs to be brought to your attention for review. 
# 1 - My first concern with my HAMP loan modification Is that I was paying my Property Tax and Homeowners Insurance before starting the trial period payments. Chase added an Escrow account to my HAMP and took Escrow out of my Trial Period Payments [ TPP ]. None of this Escrow from my TPP shows up as applied funds in the History I received to check on how my funds were being applied. These funds being made to an Escrow account total {$560.00} from the XXXX XXXX 's and on XXXX XXXX only {$180.00} is being applied to Escrow. 
# 2 - When I received loan modification papers. I called XXXX XXXX, the representative which worked with me on my loan modification process. I asked about the {$1100.00} shortage that was in the cover letter with my final Loan Modification documents. This statement included in my escrow payment of {$180.00} and I would have 5 years of payments to repay the {$1100.00} shortage. XXXX said the increase was around {$20.00} ( I figured the exact amount to be {$19.00} ) or I could pay full amount. I opted to do the 60 month payment plan. 
In XXXX XXXX, I received a letter from Chase Bank escrow department stating I was short {$1800.00} ( different from when the loan modification that just started ) there was an : o Option A : to pay the {$1800.00} shortage in full. 
o Option B : pay {$31.00} over 60 months. 
I opted for Option B once again. This brought my loan up from {$870.00} to a new amount of {$940.00}. I now question whether the 60 month Escrow program can be reinitiated once it has been started. 
Now my new payment starting XXXX/XXXX/XXXX was {$68.00} more than my first payment. If I was to pay an extra {$31.00}, this figure should have brought my new payment to {$900.00}, not the figure Chase Bank came up with that was so much more. 
Then another increase starting XXXX/XXXX/XXXX to a new amount of {$950.00}. 
The shortage again increased starting XXXX/XXXX/XXXX with a new amount of {$960.00} The letter dated XXXX/XXXX/XXXX still showed a shortage of {$1400.00} with a new monthly payment starting XXXX/XXXX/XXXX is {$970.00} which includes {$45.00} extra for next 32 months to pay back the shortage. 
I would like your offices to be informed about XXXX 's from Chase which is more than what actually was paid by homeowner to Chase in interest. If homeowner claims what Chase is saying and the amount was really a lot less, what are the repercussion with the IRS by taking Chases figures from the XXXX that could be wrong.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, My name is XXXX XXXX, and I am writing to address a critical issue with Equifax that has significantly impacted my credit score and, in turn, my professional and personal financial stability. As a licensed North Carolina general contractor and real estate broker, maintaining a strong credit profile is essential to my livelihood. 



In XXXX, I purchased a XXXX XXXX from XXXX XXXX XXXX During the purchase process, I explicitly instructed both the sales manager and finance officer that I authorized only a single credit inquiry. Understanding how multiple inquiries can negatively affect credit scores, I made this request to protect my financial standing.

Recently, while applying for financing for a new vehicle, I discovered that my credit score had dropped significantly. Concerned, I consulted with my bank, where the finance officer informed me that my credit report shows 29 inquiries, far more than I ever authorized. This revelation was both alarming and frustrating, as I was meticulous about limiting my credit checks during the XXXX  purchase. 



In response to this discovery, I have taken the following steps : 1. Dispute Filed with Equifax : I formally disputed these inquiries and requested an investigation to remove unauthorized entries from my credit report.

2. Letters to the Federal Trade Commission : I escalated my concerns to the FTC for further assistance. 

3. Challenges with Verification : XXXX XXXX has since gone out of business, and efforts to contact the responsible parties have been unsuccessful. 



Equifax has claimed that their research found no issues ; however, the multiple inquiries remain on my credit report, unjustifiably lowering my credit score. This situation has severely impacted my ability to secure financing, increased the cost of credit, and hindered my professional responsibilities, where strong credit is critical. 



I am respectfully requesting the following actions : 1. A thorough and transparent investigation into the unauthorized credit inquiries.

2. Immediate removal of any and all unauthorized inquiries from my credit report.

3. Written confirmation of the corrective actions taken to address this issue.

This matter has caused unnecessary financial stress and professional challenges, and I urgently require resolution. Please contact me at ( XXXX ) XXXX or via email at XXXX to discuss this matter further. I am more than willing to provide any additional documentation or information needed to resolve this situation. 



Thank you for your time and prompt attention to this matter. I look forward to your swift response and a resolution that restores my credit profile. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX I stayed in a a XXXX XXXX XXXX in XXXX  in XXXX XXXX. The hotel room was absolutely disgusting, to the point where I was uncomfortable being there so I cleaned it myself and the hotel towels were black after I was done wiping everything down. Additionally there was someone else clothes in the drawers and that is just unsettling. Furthermore I was trying to call the front desk to let them know about my issues and not once did they pick up whether it be the room phone or my cellphone that I used. Then someone was literally beating on my door and yelling trying to get into my room while I was in there and I tried to call again and nobody answered. I had to call XXXX. But the person was gone by the time they came. I called the corporate number where they refused to give me a refund for my room even though I had pictures of it all. So I disputed the charge with my bank, Huntington, who gave me a provisional credit. However they took the credit back and took my account negative on XX/XX/XXXX and I called today XX/XX/XXXX and asked why they didnt ask me for any of the evidence I had already told them I had. The representative said they concluded I needed to take it up with the hotel or call corporate and I said I did before I filed the dispute and they wouldnt do anything. She submitted a request to reopen the case but said theres no guarantee. So now my pets are out of food and I cant buy them any because my account is negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$330.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Debt collection

This company mailed me charges from another company who claims I owe an alleged debt that I do not. I do not have a contract or any legal binding documents with this company in which I asked for and they have not provided. I am not paying for something I do n't owe.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my oersonal intormation was exoosed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed oil my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any turner harm to my financial well-being.
Product: Checking or savings account

I made a purchase on XXXX on XX/XX/2024 at XXXX Hrs. I was unable to reach the vendor selling the item, so today XX/XX/2024 ( morning time, XXXX ) I cancelled the order. XXXX XXXX issued a refund for {$690.00}, but my debit card was locked at the time the credit transaction was initiated, so Capital One blocked the credit transaction. I used XXXX to make the purchase in order to be protected. However, Capital One and XXXX are now withholding my funds amounting {$690.00}. I have made several attempts to resolve this issue with all three parties : XXXX, XXXX XXXX and Capital One to no avail, they are refusing to help me and I can not get them to transfer me to their accounting department. They keep saying give it XXXX business days to post, but the transaction will never post since it was effectively blocked by them. It's as if they don't even listen to what I am saying. I cant get them to understand that the transaction was already attempted but declined by my bank due to my debit card being locked. I just want my money back for the canceled order. I have attached screenshots of the transaction being blocked ( email from Capital one ), along with the order cancellation confirmation from XXXX XXXX.