23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

Money Theft, Embezzlement, Fraud, and Written Contract violation by Wells Fargo & Co and XXXX XXXX XXXX XXXXXXXX XXXX XXXX and involved attorneys, refusing to refund overpayments received in excess of contract obligation amount and attempting to force signature on document releasing them from criminal activity liability with unreasonable deadline as condition of receiving refund of overpayments with interest charges requested due to years of nonpayment of money due, despite multiple requests for refund of overpayments.
Product: Debt collection

Synochrony Bank is issuing credit cards under my social security with a fraud alert placed on my credit reports. On XX/XX/2020, I recevied a letter from a fraud review that the credit card was opened by me. I called the bank and was told the card was mine. I never applied for the card or received the card. I'm lose and don't know what to do next.
Product: Credit card

I have a credit card that I use to collect reward points to put toward cruises. In XX/XX/2016 I cashed in XXXX points toward my prepaid gratuities on an upcoming cruise. The cruise line never received the funds for the gratuities. I have been trying to get this fixed since last XXXX. I have been told something different by every person I have spoken to. Twice I have been " escalated '' to management but no one from management will speak to me. Today I got an email from my cruise line that there was {$140.00} extra to pay on my cruise. When I questioned why I was told it was because this same credit card company has denied the points I have previously cashed in and demanded a refund from the cruise line. I received no communication from the credit card company about this. When I called my credit card company again I was escalated to management but have received no return call. I am now going to have to pay {$190.00} for gratuities that I should not have to plus another {$140.00} that I have already paid because of the credit card company. I have a case number of XXXX for my requests for the points to be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a complaint with XXXX, XXXX, and Experian about the following accounts : Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These companies violated my federal rights. 15 U.S.C. 1681 Section 602 ( A ) states : I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) states : XXXX XXXX XXXX can not furnish an account without my written instruction. XXXX XXXX has been deleted from my XXXX Credit Report, XXXX Credit Report, and Experian Credit Report. XXXX XXXX has been removed from my XXXX Credit Report but not from my XXXX or Experian Credit Reports. I do not understand how it can be removed from one Credit Bureau but not the other two. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX chose to ignore my request for deletion and simply updated my accounts. By updating my accounts, they violated the same Federal Rights that I informed them that they previously violated. I have spoken with legal counsel, and he informed me that i have every right to move forward with legal action resulting in financial compensation for not only violating my Federal Rights once but ignoring my request of deletion and updating the account and once again reporting it to the credit bureaus without my written instruction. i am 100 % certain i have not given my written instruction to anyone/company. I have decided to file one more complaint before taking legal action and i am again requesting that those accounts be deleted from my credit report immediately. Once the accounts are deleted, I'm requesting a copy of my updated credit report sent certified mail so there is an independent witness to it being delivered. Thanks in advance for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Navy federal charging illegal overdraft junk fees when I have overdraft protection on my account
Product: Checking or savings account

Chime allowed someone to frequently open a checking account and order a debit card with my information, including email, name, physical address, and social security number. Chime did not attempt to perform a credit check, as if they had they would have seen that my credit is locked with all the major bureaus -- I am a previous victim of data breaches. Chime 's practice of allowing people to open accounts without a credit check is allowing people to fraudulently open account with stolen identification presumably obtained online. 

Chime also insisted on me providing my social security number, which I never provided to them -- see above, fraud -- in order to close the fraudulent account.
Product: Credit reporting or other personal consumer reports

FCRA Section 605B of the Fair Credit Reporting Act ( FCRA ) allows victims of identity theft to request that credit bureaus block fraudulent information from their credit reports. 
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX : Bankruptcy : XXXX Filed Filed on XX/XX/year> Reference number : XXXX Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number 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 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 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 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 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was approached by a XXXX XXXX employee with an offer to apply for a credit card. They said that I would get a {$50.00} credit if I applied today. I went home the same day and applied for a XXXX XXXX XXXX through Synchrony Bank on XX/XX/XXXX. The offer was posted online as well. I saw on my statement that they only gave me a {$30.00} credit. I called on XXXX to ask why and they said I was not approved for the credit card until XX/XX/XXXX which was after the promotion ended. Even though I applied and eventually approved they would not honor the advertised offer.
Product: Debt collection

Agent with company has come to home several times to collect money, she also sent a text saying a letter will be sent to my address today with the items they will be picking up. She stated either the company will pick up items or the Sheriff. I explained that I would give her some money but it wouldn't be the full amount because my mother had XXXX and I had to help her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been XXXX  for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : 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 XXXX XXXX XXXX XXXX All the above inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus Experian XXXX And XXXX Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed
Product: Debt collection

As late as yesterday and today and in the past, Structured Settlement, XXXX XXXX XXXX, XXXX XXXX, XXXX, NV. XXXX phone XXXX has left messages about an attempt to collect a debt from a XXXX XXXX. I have had this phone number for over XXXX years and have received phone calls concerning this debt collection numerous times in the past. No one here has any idea who this XXXX is. I called the company in the past and as recent as yesterday and spoke to a woman and advised her to remove my number from their list. The person who leaves the messages is an unknown male.
Product: Mortgage

For over 30 years I have had insurance coverage required by this loan with the same insurance company and the same coverage. Every year my insurance agent provides Proof of Insurance as required. Every year the Lender or their Agents complain that they do not have Proof of Insurance and threatened, and on many occasion, placed forced insurance on my property. 
M & T Bank took over servicing this loan from their agent XXXX XXXX XXXX on XX/XX/XXXX. For many years XXXX XXXX XXXX placed forced insurance on my property falsely claiming they never received Proof of Insurance and increasing my monthly payments as much as 35 % percent. M & T Bank is now continuing the harassment perpetrated by XXXX XXXX XXXX for many years. In XXXX of XXXX M & T Bank complained that it did not receive Proof of Insurance and I contacted my Agent who immediately re-rent it. I received a letter from M & T Bank on XX/XX/XXXX confirming receipt of XXXX XXXX XXXX, there would be no charge to my account and apologized for the inconvenience. M & T sent me a letter dated XX/XX/XXXX stating that it does not have Proof of Insurance and will place forced insurance on my property. On XX/XX/XXXX I called the number on the letter and spoke to a person by the name of XXXX and she assured me that she updated the information in the system and I should consider the issue resolved. I received three letters of which two were dated XXXX XXXX and one dated XX/XX/XXXX stating that forced insurance will be placed on my property for lack of Proof of Insurance. 
This scheme was perpetrated by M & T Bank 's agent XXXX XXXX XXXX for many years and when I refused to pay for forced insurance premium they sucked over {$75000.00} in foreclosures costs out of the equity of my property. This same scam is being tried again but this time by M & T Bank. 
Even though my bank automatically sends my payments one week before the due date, the first communication I received from M & T Bank when they took over the servicing of the Loan from Community Loan Services was a statement that totaled over $ XXXX in foreclosure related charges. Though most of these charges were removed after many certified letters of dispute there are still about $ XXXX in charges that remain and I receive harassing Letters of Default every month.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I right the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I am writing to dispute a series of billing errors on my Capital One credit card account. 
Unfortunately, I did not become aware of these recurring charges until XXXX of this year, at which point I immediately called Capital One to dispute the charges, which were $ XXXX/month since XXXX, increasing to XXXX/month in XXXX, amounting to a total of {$390.00}. These charges are for a service to which I have never subscribed. It is listed as XXXX. 

As soon as I became aware of these charges, I called Capital One on XX/XX/XXXX ( XXXX ). I told them that I had never had this service with XXXX and the card was deactivated. I was no longer able to use it. I checked on line for my expected credits and was shocked to see another charge, posted on XX/XX/25 for {$64.00}. I called Capital One again on XX/XX/XXXX ( XXXX ). I was told that the vendor had disputed my dispute and despite the fact that the ONLY reason the card had been deactivated was to prevent THIS CHARGE. They would provide me with no information as to how this could happen, other than to tell me that the vendor had the right to continue charging my deactivated card, although I could not. I had previously attempted to reach XXXX on two different occasions and was on hold for almost an hour each time without reaching anyone who could help me.I also attempted to contact XXXX via their on-line dispute process but my XXXX account ( which I have via my email account with XXXX ) indicates no subscriptions, so that also was a dead end. The fact remains that I did not subscribe to ANY tv service and have been paying for one ( unused ) since XXXX. 

I called Capital One on two other occasions. I complained on their website and received a response that they were looking into it and that someone would get back to me. No one has. All XXXX can confirm is that I have no XXXX subscriptions to anything, and without a subscription to contest, they can not assist me. 

I am retired. There is no TV service on the planet for which I would pay $ XXXX/month. 

I hope that you can help me. Please let me know if you need additional information. 
I am attaching my transaction sheets from my XXXX and XXXX statements, where it seems that the credits were applied, and then rescinded. I am angry and confused and do not know where else to turn. 

Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

1 ) On XX/XX/2023, I mailed XXXX to close the account clean. I dont have any knowledge about credit card system at that time. I was intended to keep my account clean rather than with balance due but turned out to be account closure request. They eventually closed my credit card account and that resulted in loosing significant score. Then I researched about the credit card scoring system and found out that my credit card account should never gets closed. Hence, I requested XXXX to re-open it on XX/XX/2023 but they denied in doing that by saying their company is being closed. I raised several complaints with trans union and XXXX regarding it but couldnt able to get resolved. Neither Transunion is able to make changes nor XXXX is re-opening the account. 

2 ) I requested XXXX to issue me a credit card in XX/XX/2023 but couldnt able to accept their terms and conditions. They fraudulently opened an account and then closed it. In the filed dispute they found it to be true but they didnt change anything about it. I want to get it removed from my report since I didnt accept their terms and they are not supposed to open and close.
Product: Checking or savings account

I was on online searching for a puppy, when I came upon XXXX XXXX XXXX i sent them {$800.00} through XXXX  through money transfer for a puppy. i never received a puppy. he was supposed to ship the puppy the next day. the next day i received an email from a fake shipping company telling me i needed to purchase an electronic crate for {$1200.00} or they would not be able to ship the puppy and I will get it refunded back once the puppy arrives. there contract said all shipping would be handled by them so i forwarded the email to them. he claimed he knew nothing about this and pleaded with me to pay the cost of the crate which i refused. So he said will pay {$600.00} and if I could do the {$900.00} I did and next the shipping people said XXXX would not allow them to fly out without a permit. I declined and said this was a scam and I wanted my money back and he said he was lost money also and that if I could pay for the permit which was {$1800.00} that I would not have to pay for anything else. I immediately contacted my bank and filed a dispute. They told me that my claim was denied due to I authorize the charge and there was nothing for them to do. I am still trying to fight this and get my money back. So far no luck.
Product: Debt collection

They are trying to place 2 account that are the exact same account that is NOT mine! They have the wrong birthdate too! After i filed a complaint, they then reported the same account but changed the amount by {$1.00} to make another account to post on my credit report in retaliation. I am preparing to take legal action!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX I was attempting to send money to XXXX XXXX XXXX XXXX XXXX handle $ XXXX however I had not noticed the system prefilled $ XXXX by the time I saw that the transaction was in process. I immediately attempted to contact customer support via the chat but was unable to get anyone then I called the customer service number. Only to be told that all I could do was reach out to whom ever I had sent the money to and ask for a refund. However I do not know who this is that it was sent to. I communicated that to the representative and the only thing he said was that he provided all the information he can provide to me then and hung up.
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/year> ( Complaint # XXXX ). The company has not addressed nor resolved the issue and the allotted time frame of 30 days
Product: Mortgage

We have a mortgage with CHASE with Loan # XXXX for our homestead property. 

We received yesterday a letter from CHASE letting us know that they have sold our loan, and it is been transferred to XXXX XXXX XXXX ( XXXX ) starting XX/XX/2020. 

We review online XXXX and found that XXXX XXXX XXXX is a loan servicing company based in XXXX XXXX XXXX, Utah, with an additional office in XXXX, XXXX, XXXX is not accredited by the XXXX XXXX XXXX ( XXXX  ) and has received hundreds of complaints for billing/collection problems and potential FDCPA violations. 

Immediately we call CHASE customer service ( XXXX ) spoke with XXXX XXXX and ask them to please dont go ahead with this transferring of this loan in this particular moment with the COVID-19 that is affecting everybody and we are loosing income, and in case that we are not going to be able to pay the mortgage in the near future, by sure the investor XXXX  is not going to help us with this matter as CHASE is able to do it, and has done in the past when we were affected by a hurricane and CHASE allow us to defer some payments. 

Our complaint is that the CHASE is not taking care of their customers in this COVID-19 time, they are choosing the worst moment to sell our loan and let us unprotected in difficult times, and we are really on panic that this transferring of our loan may conduct to a future foreclosure of our home Attached please find letter received from CHASE wit this disturbing announcement to us.
Product: Consumer Loan

Ally Financial Auto reported to all the credit bureau 's that I was late on a payment for the month of XXXX when my XXXX Payment was n't even due for another 2 weeks. I am in the process of going to settlement on a house but can not due to my and my wifes credit scores took a dive. after calling every day to get them to fix it they keep telling me it will be fixed when they report at the end of the month. I over and over explained to them that I do n't have till the end of the month. I only have a week before settlement. will not help or work with me at all.
Product: Student loan

I have been trying to work with my student loan guarantor and my loan servicer, ACS, to bring my past-due consolidated loans current, to no avail. I feel I have been the victim of deceit, fraud and misrepresentation on the part of ACS. I have been in contact with my guarantor, XXXX - specifically, XXXX XXXX, their " outreach advocate '' - as well as the XXXX in an effort to resolve the situation. Nothing seems to help. I have recorded conversations with ACS that demonstrate their practices, and have devoted substantial time toward seeking relief. ACS has unduly delayed my requests for relief, denying avenues of relief such as discretionary forbearance that they themselves have indicated are available, and the entire situation has gotten well out of hand, causing me undue stress, anxiety, loss of sleep, physical sickness, mental anguish and wasted time.
Product: Money transfer, virtual currency, or money service

I am trying to add funds to my HSA account managed by XXXX XXXX  on their mobile app. Twice i've followed the instructions to get my account verified on their app so that i can transfer funds and maximize my contributions before tax day. They sent the funds to my account for me to enter and was presented with many error messages that made no sense such as 'enter @ ' and would not allow me to get the account to transer the money That took 4 days and then had to delete the account and then tried again. They put the XXXX cents into my account and again i entered the amounts and got another message to wait. I exited and then the bank account got deleted. I'm trying a third time, and each time take according to them 1-4 days. the customer care was horrible and no tech support or anyone available. The site is not user friendly, support was horrible, on this issue and costing me {$1500.00} in a tax break because of their awful app. I called them Thursday morning and Saturday morning and no online support either to help with their scenarios.