23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hello, I am currently a customer at Chase. I received money via XXXX from someone that I know and provided this person with shoes. Chase allowed this person to put a claim in on the XXXX claiming they never received the product although everywhere on the website states that there can not be a claim on a XXXX transaction because they authorized the payment. XXXX dollars was withdraw from my account and caused my account to overdraft. I contacted Chase who told me well this person said they never got their product although the disclosure clearly states that they are not responsible for any disputes between users. Chase informed me that I would have to speak with XXXX who just directed me back to Chase. This is very disappointing because Ive been a customer with Chase forever. They even told me maybe I should take the person to small claims court and there is nothing they could do. We are in the middle a pandemic and this is my only source of income at the moment and for my bank to just act like they do not care is totally devastating. I also believe chase is treating me differently because of my area and the amount of money I keep in my account. The way they spoke to me was heartbreaking. The website says there is no way to reverse. Then I see other complaints where folks cant get there money back but this mysterious fraudster was able to do so. I believe this person may either work for the bank or know someone who does. There is no way that my Bank should allow this to happen and take one customers word over the other when they clearly say they wont handle disputes between users. They wont even provide me with who put the claim in so that I can provide tracking numbers that prove this person received their shoes. I wasnt contacted one time during this claim process to provide my side of the story
Product: Credit card

FCRA 605B necessitates the removal of any erroneous accounts from my credit report. These accounts inaccurately represent the reporting. I should be compensated {$1000.00} for each mistaken report on my credit file.
Product: Debt collection

I had a hospital stay, and even though I have insouciance, bills just poored in. I contacted every one of those companies and made arrangements to get debt paid. Even financed the big bill for {$2400.00} to the hospial that I am paying down. 

In XXXX I was contacted by Transworld systems. They were representing XXXX XXXX and stated I owed {$290.00}. I did not remember that group but I said Ok lets make arrangements, {$50.00} every 2 weeks until it is paid down. 

I just got a credit report update and this is on my report as delinquent. I let them know I have done exaclty what we agreed on and I would like them to remove as I figured it was an oversight. They stated they can not as it is delinquent. I want it off ASAP. 

I am paying the next {$50.00} tomorrow and the last {$50.00} in 2 weeks. I would like this off my report before last payment.
Product: Bank account or service

I have a business account with this XXXX XXXX branch of First Niagara Bank. I am the sole proprietor of this business. 
I am the only person that has authorization to sign checks from this account. As per my signature card form. 
My husband and I have recently separated. He was made to leave the home and in the process of moving he located some checks in regards to the business account and took them to a teller and they cashed the checks. ( {$2600.00} ) He had never signed or cash checks in the past. He signed his name on the checks and provided his ID. Although, he is not an authorized signer on that account. 
I received a letter from their investigating team saying they are not liable for any forged funds on my account. The perpetrator did n't forge my name he signed some forms of his name. 
The branch advised if I filed a police report they would refund my funds immediately. Although XXXX XXXX Investigations Analyst XXXX XXXX advise I should have better control over where I leave my personal items and said I could not retain my funds from the bank. 
I have since had to closed that account for fear of the same thing happening again. 
I was always under the impression signature cards were an authorization for signing checks. Please help me understand his decision.
Product: Bank account or service

JP Morgan Chase sent a letter stating that they will no longer be declining charges that customers do not have funds to cover that are not enrolled in overdraft protection. They will be allowing accounts to be overdrafted and fees charged " at their discretion ''. This is a blatant violation of the last overdraft protection settlement.
Product: Debt collection

Violation of XXXX XXXX XXXX No permissible permission or contract with the company Unauthorized use of assumed name
Product: Credit card or prepaid card

I have a credit card from Chase Bank  NA  for which last month I did not receive my credit card and I did not realize it until yesterday. Today I made a payment of {$100.00} via their online system. Then I called  Chase C.S.  spoke with a Representative whom I explained that I did not receive last month 's statement and I was charged a late fee of which I refused to pay. He informed me that the bank is open   24 hours a day 7 days a week for which I told him that I am not available 24/7  being I have my own problems to take care of. Further he point blank refused to issue the credit of {$29.00}. I then spoke with a Supervisor who was informed who I was but that was not enough for her being she requested that I tell her anyway of which I refused being I felt that it was uncalled for.
I requested to talk to her Manager but she refused and said I must have a call back within 24 to 48 hours. I refused as I did not want to wait. In all honesty I am really angry being I have paid several late fees in the past when I did not get my statement ( s ) and now I will not pay this {$29.00}. I expect Chase to remove this late and if they even attempt to report the missing payment to the credit and d  estroy my credit I will take legal action against them. Several times I had a problem with them and I never filed a complaint against the bank but now I am really done excusing the Chase.     I am not obligated to chase after the post office looking for my statement nor am I obligated to go crazy making sure Chase sent me my statement. The pushes the blame on post office for not delivering the statement and hold me liable for not calling them if I do n't receive it. Well I am sorry I hold them liable for not receiving it and the post office as well.
Product: Checking or savings account

I received 4-5 emails today from bank of america XXXX one said my email address was updated, another said my application was submitted successfully, another said my application was approved, another said to verify my Email address & the last one said my account is open and ready for mobile and online banking. I have never opened an account with Bank of America and didn't start yesterday either. I don't know what to do. Please contact me at your earliest convenience. I know Bank of America has been caught creating fraudulent accounts before so if this is the case I hope there are some major repercussions.
Product: Student loan

I borrowed {$70000.00} from XXXX XXXX over a 5 year period for my undergraduate education. Upon graduation, Navient tacked on {$56000.00} in interest! That is somewhere between 75-80 % of what I borrowed ( XXXX each year and XXXX tacked on in interest ). I put moving out and traveling on hold because I couldnt afford to do those things and pay my student loans. Ive made monthly payments of around {$1200.00} to Navient. Finally, I had to get it adjusted and extend the life of the loan because I couldnt afford the payments. I was living paycheck to paycheck and penny to penny just trying to make the payments. I feared they would ruin my credit if I didnt make the payments. The interest rates continued to rise, as well as, the payments. After a few years I just couldnt do it anymore. Two years ago, my parents re-mortgaged their house just so I could pay off the Navient loans and get away from such an awful company. Navient got all their money and I began paying my parents refinanced mortgage. I still have 13 years left to pay the refinanced mortgage. This whole process was awful! I went to school to become a teacher and I am supposed to encourage students to go to college. How do I do that when I know first hand what awful, evil companies are out there just looking to take advantage of teenagers. 

I am aware of the Navient lawsuit, but XXXX cant find any information if this lawsuit covers people who recently ( within 2-3 years ) paid off Navient. Paid off isnt the right words since really all I did was get another loan to get away from Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, my father and I went to XXXX at XXXX XXXX XXXX, XXXX GA XXXX to finance a used car for my little brother. The salesperson ( XXXX XXXX ( XXXX ) and XXXX XXXX XXXX were assisting with the process. The salesperson asked for my social security number and stated that he will be using XXXX ( XXXX ) different banks to try and get a loan for the used car. After XXXX he came back to the desk where my father and I were sitting, and he stated that the banks were not going to finance a loan for that particular car. He asked if he could try again with those banks but for another vehicle. He left and came back XXXX minutes later and stated that we were approved but for {$840.00} a month for 72 months for {$0.00} down payment. My father and I asked him questions regarding the payment price and decided not to purchase the vehicle. On our way out of the dealership, we were stooped by the XXXX XXXX and he stated that he will " punch some numbers and see what he could do '' so that we can possibly purchase a XXXX XXXX for a lower monthly payment plan. He left and came back XXXX minutes later and said unfortunately the banks are closed. At the time, it was around XXXX and he stated that he will call us in the morning to follow up. A couple days later, I checked my XXXX XXXX using credit wise and notice that there have been XXXX new hard inquiries on my credit report. The companies that the used were XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( called them and they removed it ), XXXX XXXX XXXX ( called them and they removed it ), XXXX XXXX XXXX XXXX emailed them and they removed it ). I did not authorize nor did I sign paperwork stating that XXXX and XXXX XXXX and XXXX XXXX could run my credit multiple times. Based upon my previous discussion, I was informed that they were using ( XXXX ) XXXX different banks not a total of ( XXXX ) XXXX.
Product: Debt collection

On XX/XX/2020 my lender checked my credit ( since I am the middle of my last phase of the closing today!!! But I was rejecting due to an a collection in my credit .This account was paid to my provider XXXX  XXXX on XX/XX/2020. 

I tough was a mistake since I never recieved any notification, I called no complaint officer the manager she cant remove it. But when I ask about the days of report clearly the days doesnt much they never gave me the 30 days notice to either dispute o paid the account was place ( under the superviser statement on XX/XX/2020 they " gave me '' a 45 days before they report in my credit but my credit show otherwise less of 30 days. 

That is completely a violation I paid directly to XXXX XXXX attach proof of the last statement
Product: Credit card

XX/XX/2023 - Purchased XXXX silver U.S. half dollar silver coins online from a vendor in XXXX XXXX, paying by Citicard XXXX in the amount of {$160.00}. When received, the items were discovered to be counterfeit. I verified this with a local coin and stamp dealer and got pictures of the counterfeit coins alonside a genuine half dollar coin. The counterfeits weren't even good copies. I contacted the vendor who offered me a partial refund, which I refused, as the merchandise was fraudulent. I contacted Citicard, who temporarily credited the funds back to my account. However, I received a letter from Citicard asking for documentation of the fraud, which I sent via U.S. mail. I then received another letter from Citicard indicating that my documentation had been lost or damaged in the mail, and thus the charge for the counterfeit goods would be reinstated to my Citicard. This reinstatment occured on XX/XX/2023, in the amount of {$160.00}. I called Citicard and was given an email address to resend the documentation, which I did. When I followed up with Citicard about one month ago, I was told that the dispute had been referred to the Citicard investigation team. I was told to recontact Citicare in two week 's time which I did two weeks ago. I was told to recontact them in two weeks, which I did today. I was again given the runaround, saying that the dispute would be referred to the investigation team. I believe sufficient time ( over one month ) has elapsed for this dispute to have been resolved. 

I hereby authorize the CFPB to contact Citicard on my behalf in reference to this dispute and for Citicard to supply all statements for the months of XXXX through XXXX, 2023, pursuant to this dispute to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my pin from when I froze my Experian credit 3.5 years ago. 

I attempted to lift the credit freeze online, using their form, with my pin. The website stated they could not lift the freeze and requested I call them. 

I called Experian at their provided number XXXX XXXX XXXX, went through all the automated prompts, included entering my SSN and pin. It got all the way to the end, asked the dates I wanted the report lifted, and then stated I would have to mail in my documents to have the freeze temporarily lifted. 

I have lived at the same address for 8 years, and have no other complicating factors in my history that would cause this to be an issue. 

In doing research this appears to be commonplace with Experian. Many others have had similar situations. Apparently, if you sign up for their XXXXmonth " tracking '' service, you magically can unfreeze your credit no problem This seems unethical and downright fraudulent. You are apparently screwed if you don't freeze your credit, since these bureaus seem to be perpetually under cyber attack and risk of identity theft, and also screwed if you do freeze your credit, as it is irreversible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts reporting on my credit file that do not belong to me. This includes the XXXX XXXX  account. I have no clue to where this account originated. I have submitted complaints the credit agencies asking them to remove this account because this account does not belong to me. Please assist me in getting this issue rectified.
Product: Money transfer, virtual currency, or money service

First an individual knew my bank ( which is USAA ) and this same person knew what I do on XXXX back in XXXX XXXX. ( Reason I am doing this now because of that big scam I found in the news against USAA this year XXXX ). So I would go on XXXX and watch an investor XXXX XXXX of XXXX XXXX XXXX This fake XXXX XXXX convinced me to do screen share so this fake XXXX can do two separate wire transfers for a total of {$12000.00}. 
This is the scammer s number they contacted /text with me : XXXX XXXX Please help me get my money back.
Product: Debt collection

Stellar Recovery, Inc has continued to collect a debt from me that I never owed them. I never established a contract with this company and they stalling to remove all the negative items from my credit reports immediately. They are in violation of the FCRA and the stature of limitation are up on the suppose debt and it not my debt and no longer collectable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I opened a bunch of american express credit card because of an advertisement they were putting all over the internet to get XXXX points if you spend $ XXXX on the card. The platinum card cost {$450.00} a year but being that they offer {$200.00} worth of travel credit I decided it was worth it for me to get the card. So I signed up for XXXX cards and spent the $ XXXX on each card as agreed upon in the offer. When the reward hit my account I used them to book a first class ticket however each time I booked the ticket I was told a few hours later that the ticket was cancelled. long story short american express decided that I was not entitles to the rewards they promised and charged my card a WHOPPING {$22000.00} in order for them to get the points back in my account. In other words. After I used my points american express deducted XXXX points making my account negative a bunch of points. Three weeks after my card was closed they charged my card {$22000.00} to put the points back in my account. <P/>My card was closed and I did n't give them any right to charge my card. If they believe I should have not gotten the bonus they could have argued that. But to charge my card without my consent is FRAUD, conversion and wire fraud!
Product: Mortgage

Wells Fargo has discriminated against VA home modification false information, We have lived in home since XXXX, we did go bankrupt XXXX did not list are home are lawyers told us we did not have to reaffirm, We made all payments, until we had ask XXXX XXXX XXXX if he could help get Wells Fargo to give us a home modification.Wells Fargo told us to stop making payments for 3 months, everything was done VIA mail.They had put we went bankrupt XXXX we did not.XXXX XXXX is co- borrower on Home.They would not acknowledge this.Are credit report shows no payments every made on are home we have made every payment until they had told us to stop XXXX/XXXX/XXXX? also took equity out of home to make up for 3 months we missed, said in there letter that they could change terms when ever they wanted. we were stuck as being 3 months without making payments they could have taken house away,XXXX security Instrument on Home through VA.
Product: Mortgage

I modified my mortgage back in XXXX and was told that I would have to pay back an amount when I sold or refinanced which I was ok with. I then refinanced my house in XX/XX/XXXX and the pay off sent to my mortgage lender by Wells Fargo wasn't including this amount. XXXX XXXX investigated it and discovered that well s Fargo mistakenly sent a short pay off. The title company included the 2nd lien ( HUD modification pay off ) in their request. 

Wells Fargo has been rude when I called and haven't been helpful at all. The treasury Dept. has added additional fees to the pay off because the lien wasn't paid when I refinanced. The additional fees are extreme and I feel Wells Fargo is responsible for these fees because they made a mistake when they sent the pay off. In addition, my credit has plummeted because the collection has been reported. I'm wanting to list my house and buy a new one but now my credit is low due to this collection. Not to mention the fees from the Treasury department are in excess of {$15000.00}. Like many people, I depended on others in a specialized area to do their job and I really was unaware of the error in the payoff. I really need someone to help me because I'm not financially literate when it comes to these type of situations.I 'm selling my home before I really want to because I'm concerned about this lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX balance of {$3000.00} is incorrect. Provided supporting documentation to creditor and reporting agencies validating correct amount of debt. Refuse to look into my documents and continues to report incorrectly to my credit.
Product: Credit reporting or other personal consumer reports

I realized today that LVNV Funding LLC. has placed a derogatory tradeline on my credit report without ever sending me any information or disclosure that they would be placing information on my credit report which is FALSE. 
To send me NOTHING and proceed to insert false info. on my XXXX credit report is a clear violation under the FDCPA and FCRA. 


I dispute this alledged debt in its entirety. 
I will attest in a court of law that I am not liable for this debt and I never had a contract with LVNV Funding LLC. 

I am requesting complete validation of this alledged debt. I want a copy of the PURCHASE AGREEMENT or a Contract between your agency and alledged original creditor that you failed to include the name of on my credit report ( XXXX XXXX  ) which is another very serious violation under the FCRA and FDCPA.

Delete this information from my credit report immediately or I will seek legal representation and monetary compensation in a Court of Law.
Product: Debt collection

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible XXXX XXXX XXXX XXXX XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX