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

My CHIME account was frozen on XX/XX/2022. I reached out to CHIME support and was told they would need to provide documentation including my ID and a selfie of holding my ID with the date in order to unlock the account. That was provided and I was told that typically my account would be accessible within 48 hours. After a week I reached out and was told that I was provided with incorrect information from CHIME support and that I also needed to provide my passport and a utility bill. That was provided. A week later after not having the account yet unlocked I was told that they had all necessary documentation to unlock the account and that I would need to be patient. That was XX/XX/XXXX. I have reached out to CHIME support via phone, email, and through their XXXX page and have been told that the time period is unusual for this review but there is nothing that they can do. Further I was told that I could not be provided a reason for my account being frozen. 

I would either like to have access to my funds or I am perfectly fine with closing the account entirely and having my funds provided.
Product: Student loan

I have 8 loans with Sallie Mae. I refinanced 4 loans so that the balance should be XXXX. Instead of taking refinance and allocating it to the 4 specified loans, Sallie Mae took the money and allocated it across all the loans I have with them such that there is still a balance on the loans that should have been at XXXX. I am having trouble having them reallocate the money so that the 4 specified loans are at a XXXX  balance.
Product: Checking or savings account

I was charged numerous overdraft fees. Sometimes twice on the same purchases.
Product: Credit card or prepaid card

Around XXXX XXXX, I received a letter from Chase JP Morgan Chase Bank, N.A., indicating that they approved my recent application for a new Southwest Airlines Visa Platinum account. I have never, currently or recently had or requested a Southwest Airlines Visa Platinum card. In the letter, they go on to state in order to approve my request, they have made adjustments to my other accounts. The letter goes on to state why they adjusted my accounts, and how. The letter then advises me what to do in the event my accounts were closed, and information regarding my reward activity. 

During the week of XX/XX/XXXX, I received an envelope containing the following : *2 Southwest rewards Visa cards. *Undated Rapid Rewards Plus Rewards Program Agreement and welcome letter *Card holder agreement rates and fees table *Information from Chase ( Rev. XXXX ) regarding sharing personal information. 
*Pamphlet Welcome to Chase XXXX Your card member agreement *Pamphlet : Guide to Benefits. Effective XX/XX/XXXX In regards to the credit cards which I did not request, they were printed with my name on one of the cards, and a XXXX XXXX on the other. I do not know a XXXX XXXX, but on XXXX  him, I noticed a XXXX XXXX who could be in my age range and passed away in XXXX. 

When my father passed away, I had inherited an Annuity from XXXX XXXX. While we have since moved these funds from XXXX XXXX, earlier this year we received a letter stating that they had a security breach during the tenure of our account. As a result we were advised to take advantage of free security services. While I had some reservations, I did share my personal information with the security service. I am currently looking for my documentation for this service.
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. '' 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. '' DISCOVER BANK 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. '' DISCOVER BANK 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, DISCOVER BANK 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. '' DISCOVER BANK Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) 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. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

Citibank sent balance transfer checks to be used to transfer balances up to my available credit at time of transfer. I submitted a check to 1 of my creditors on XXXX/XXXX/15. I had more than XXXX in available credit. On receipt of the {$1400.00} bal transfer check XXXX/XXXX/15, Citibank decreased my credit limit by {$5300.00} on XXXX/XXXX/15 & refused to honor the check. They sent out a letter after the fact stating bogus & vague generalized reasons. This is an unfair practice that caused a returned item with the other creditor. I have asked them to stop sending me checks because they are misrepresenting. They said they could not stop them from being sent. I am very displeased. I 've been with Citibank for 20 years. I make my payments on time and I pay more than the minimum due most times. I 'd like the matter investigated & that check honorees, as well as them to stop sending me checks unless I request them.
Product: Prepaid card

Good evening I'm writing in regards of been a very dissatisfied consumer of your Vanilla gift card I originally purchased a Vgc, only put money on it for in case of a family emergency for my children. 
I let the card sit for a long while. Finally went to use it and my funds were already used I contacted vanilla and they told me to dispute. I told them that I wanted a check instead of vanilla gift card. I was approved a replacement card instead of a check. Never was told it was coming threw XXXX when the card arrived I was at work and it was left in my apartment complex and stolen and once again used. I have filed a police report with XXXX police XXXX XXXX, however I'm still out of my money. 
I can not speak with XXXX person who knows XXXX well. I just want my MONEY back!!! 
I don't want a replacement card, I repeatedly asked that my money be in check form but that didn't happen, I was refused a tracking number so that I could track my replacement card and now it's stolen and spent. XXXX going to email the attorney general if I can't get my money from this email. I will not let this rest. Vanilla gift card has not been helpful in this situation they keep telling lies over and over and over. I waited 8 days for a new card, now I'm locked out because card was cancelled, I have several different case numbers, I don't know what else to do, please reimburse my funds please Case # XXXX I can't even get on your site to see how much was spent, but the representative said I only had a balance of XXXX but the purchases all together was {$990.00} please contact me, the police need a tracking number for the replacement card that was sent and stolen. I'm so angry that XXXX can't understand or communicate with a person who speaks XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I opened a phone dispute with Capital One VISA in the amount of {$2600.00} for a ruby and diamond ring purchased from XXXX. 

On XX/XX/XXXX and XXXX, 2021 Capital One responded requesting additional information. Please see my responses below dated XX/XX/2021 and excerpt from my cover letter. I also uploaded supporting communication with the merchant and a letter from a reputable jeweler. 

- Merchant name : XXXX  - Transaction date : XX/XX/2021 - Disputed amount : {$2600.00} - Sales invoice : XXXX attached. 
- Information/evidence to support how merchandise received differs from what was received : See attached from XXXXX Jewelry. 
- Second opinion on company letterhead : See attached from XXXXX Jewelry. 
- How the problem needs to be corrected : The dispute can be corrected by the merchant taking the ring back and providing a full refund of {$2600.00}. I do not wish a store credit or to conduct business with this merchant again. The practice of bait and switch is illegal and fraudulent. Final sale should not protect the merchant from this practice. I expected to receive what was described and aired on their show. 
- Number of times merchant contacted : I reached out to the merchant twice via e-mail to document our communication and try to resolve the dispute. 
- Returned the installed parts : Not applicable. 
- Merchant refund voucher : Not applicable. 

On XX/XX/2021 Capital One requested the above information again. I am not sure it was ever reviewed when I uploaded back on XX/XX/2021. I called Capital One dispute department on XX/XX/2021 to confirm that the information and supporting documents needed uploading again. I spoke to a dispute manager who confirmed I needed to resubmit. 
The documents were reuploaded on XX/XX/2021. 

According to Capital One dispute, VISA is reiterating the merchants response/rebuttal that the item I purchased was " final sale. '' Although VISA requested a " second opinion '' from a jeweler stating how the item received was different from what was aired on TV. It now appears that VISA is not taking this information into consideration.

At this time, I am getting the runaround from Capital One and VISA. Capital One is sighting VISA is not cooperating and making this dispute difficult. Also, disputes have been filed with the FTC and BBB against the merchant, TVON, for fraud in the form of " bait and switch. '' I still have the unused ring with the tag. I seek Capital One and VISA 's review of all supporting documentation and not waste time. To resolve the issue, I request the merchant take back to the ring for a full refund of {$2600.00} back on my Capital One VISA card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to remove the disputed items completely from my Credit Report despite all the letters and complaints I have been sendong them. I have read that the Credit Bueaaus are required to remove the disputed items completely from a consumer 's Credit report under the Fair Creit Reporting Act section 605b, however, upon reviewing my updated credit report, I came tio a conclusion that the Credit Bureaus became negligent of their duty. I am now submitting this complaint to inform the Credit Bureaus that I have been offered help from my legal counsel and that they are willing to help my file a lawsuit against the Credit Bureaus if they stilll chose to not comply with my requests. If the Credit Bureaus do not want to be brought up to court, I need them to remove the following items completely from my Credit File : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX  XXXX Balance - Date opened XX/XX/2015 XXXX
Product: Mortgage

I pay additional to the principal every month and every month my Ditech/ Green Tree mortgage company places my principal payment in either in applied funds or insurance or escrow. The most current unresolved problem is my XXXX 2017 payment. I paid the entire payment plus {$250.00} to principal. On XXXX-2017 it stated we owed {$250.00}. for the XX/XX/XXXX payment -they said they were aware of the problem when I called and were in the process of fixing it. The fix was now it says we owe {$1000.00}. I have called and emailed to no avail-not once in the over 3 years have they processed this mortgage correctly. Please help!
Product: Credit reporting or other personal consumer reports

XXXX ( Bank ) I AM A VICTIM OF ID THEFT I NEVER AUTHORIZED THESE ACCOUNTS XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX PFS XXXX # XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Retailer ) XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a 60 DAY late payment on my Credit. 

I have returened my XXXX XXXX after lease was over to the dealer, on XX/XX/XXXX. 
On XX/XX/XXXX i received a collection letter from XXXX XXXX XXXX that i have a balance of {$220.00} for bumper damage on my car. Which i paid the same day hoping that they will not report to credit bureaus. 
The problem is that when i was returing the car back in XX/XX/XXXX at the dealer they told me that i do not owe any money to XXXX XXXX XXXX for bumper damage or any minor scratches beacuse i had an Excess Wear & Tear Protection for {$5000.00} and i have all supporting documents. 
I tried to dispute the error with XXXX XXXX XXXX but they do not want admit their mistake and remove that 60 day late from all major national credit bureaus. 
All my attempts to exlain them that i would never miss a payment and damage my credit history, specailly that i have 2 other open accounts with XXXX XXXX   XXXX, and have always made my payments on time, did not convince them to currect their mistake. 
Thank You
Product: Mortgage

Chase is refusing the apply my mortgage payments towards my mortgage balance upon receipt. They either wait several weeks to deduct my payment from my mortgage balance or wait until I contact them and ask them to deduct it. I have never done business with any company who refuses to apply payments as soon as they are received. 

Most recent ... .They received my payment of {$1000.00} on XX/XX/2020. They even sent an email verifying they received it. As of this today XXXX XX/XX/2020 XXXX, they have not applied the {$1000.00} to my mortgage balance. On XX/XX/XXXX, by balance showed {$43000.00} and today ( after having received {$1000.00} on XX/XX/XXXX XXXX, it still shows {$43000.00}. 

I have contacted Chase on several occasions and each time I was told it " would not happen again '' and I would " not need to call or contact them again ''. They blatantly lie and refuse to apply my payments when received. The following are prior dates and times of contact : On XX/XX/2020, I sent Chase a payment of {$1000.00}, which they received. On XX/XX/XXXX, Chase send me an email stating they never received it ... .even though it was showing in my account that they had. Sent an email to Chase. XXXX XXXX responded and said she resolved the issue, applied the payment and it would be fine going forward. 

XX/XX/2020, I called Chase since they refused to apply my XX/XX/XXXX payment. I spoke with XXXX XXXX for about XXXX hour. She assured me the problem would be resolved. She said her Manager, XXXX XXXX, would contact me and make sure I had no further problems. I never heard a word from XXXX XXXX and the problem continued. 

On XX/XX/2020, I sent another email since they had received, but not applied, by XX/XX/XXXX payment. Chase XXXX responded on XX/XX/XXXX saying he would apply the payment and stating " We have coded your account to show that you are making payments early, and they will now be posted as soon as they are received. '' Obviously, this has not happened on my last payment on XX/XX/XXXX. 

I am beyond frustrated and tired of calling and begging to have my payments applied towards my mortgage balance. I have to wonder if my balance is even correct at this point.
Product: Credit card or prepaid card

i was sent a letter stating a proposed fee hike in monthly interest charges of 26.24 % to account balances which were already at 25.99 %. Also, an increased late payment fee of {$27.00} or {$38.00} ( which would be used was not specified ) during six billing cycles for past due accounts. The letter gave an XXXX number to call to reject to the rate increase, which I did. I received the attached letter as a result.
Product: Mortgage

I have a loan with Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXPhone XXXXLoan no XXXX XXXX XXXX @ XXXX pm {$150000.00} was wired to Ocwen thru XXXX XXXX number XXXXFed reference no XXXXAs of XXXX XXXX they say they have no record of the pay off -- -- I have been called XXXX to XXXX times a day -- -- Threaten to be reported to the XXXXHave my credit reported late -- Harassed -- -- Yesterday I called and attempted to talk to a supervisor and got another person who said they ca n't do anything until its paid -- -Can not be connected to the dept that collects the money -- -I faxed copies of the wire transaction and pay off amount to them as wellPlease HelpXXXXXXXX-
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX from XX/XX/XXXX until XX/XX/XXXX since XX/XX/XXXX ive been in the XXXXXXXX XXXX house. 

Sometime during my XXXX my credit card information was stolen. However both XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX refuse to acknowledge this and they're trying to force me to make payment on charges that I didn't do. Any charges that happened between XX/XX/XXXX to XX/XX/XXXX I didn't do nor did I give anyone consent. 

XXXX has told me on the phone that I said in a conversation that I stated that someone could use my card and they would make payment. That's absolutely false. I asked to hear this recording but they've refused to let me hear it. 

I pretty much think they're bullying me and being prejudicial toward me because I told them I had been XXXX I've enclosed the documents to show my proof of XXXX The balance in question is {$9100.00}
Product: Credit reporting or other personal consumer reports

This is my second complaint about this situation ... first complaint is CFPB XXXX XXXXXXXX. Sequium stated that they would remove from all 3 of the big credit bureaus, XXXX is still showing this on their report.
Product: Debt collection

The aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I received a call from XXXX XXXX claiming to be Bank of America XXXX the representative told me that there is suspicious activity on my account, he verified my account while on the phone with me. I was on the line for XXXX mins. I received a text message a few mins later that a wire transfer was completed for {$36000.00}. I went to the Bank of America in XXXX XXXX XXXX to report the transaction and while I was in bank the representative told me their is a XXXX wire transfer for {$22000.00} that we stopped at the branch. They helped me open a claim for the {$36000.00}. Bank of America denied my claim because they said I received a text message. I found out on the XXXX that my phone calls and text messages were forwarded to XXXX. I called XXXX to find out whats going on. They said that someone did a port my phone on my account. I believe thats how they received the security codes to access my bank account. I called ban of XXXX to notify them.
Product: Debt collection

I received a voicemail from the number XXXX. Caller did not identify himself, and said it was important I return his call, or visit the Discover App. When I XXXX  the number, it says it's a debt collection servicer for Discover. I have a Discover account, but mine is in good standing. There is no reason for this number to be calling my phone number, and I believe the debt they are trying to collect is someone else 's. 

Thank you.