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

A fraudulent purchase was made on my Target XXXX. Someone posing as XXXX got access to our computer.The phone number was the XXXX #. The man calling had an XXXX accent, just like many of the tech 's at XXXX, and you could hear other operators in the background.They said there was something wrong with the wi.fi and security with it. I don't understand all things about a computer. They wanted the wi-fi password. I do not know it to this day. They said the computer was compromised.Target happened to be sending on-line credit card statements to me even though I have always wanted paper statements only.The hacker asked for passwords to that acct. and a couple others. I didn't know the passwords.They said it didn't matter, it would just take longer and be harder to get access. The man was reciting e-mails to me and the screens were flying by. I was getting scared and angry.I called my sons and they said to shut down the computer. The hackers had control and I couldn't scroll or do anything. My son said to unplug it, so I did. During that time they bought a {$200.00} gift card.I don't like to pay bills on-line or do on-line banking. Only in an emergency, like when I had XXXX and couldn't get around.. At the time I didn't know the security protection had lapsed. Mainly the malware protection.I called Target and other institutions immediately and had acct.s frozen. Target was the one to tell me to call the 3 credit bureaus, which I did. The next day the man called, my son answered the phone and the man said his name was XXXX.He told my son he wanted to talk to me because he wasn't finished. My son hung up. We got a few more calls from XXXX. I did call XXXX on the XXXX and they said they did not call us, and didn't offer any advice or help.
Product: Money transfer, virtual currency, or money service

Cash App failed to take timely effective measures to prevent fraud on their platform, Leaving my account vulnerable and unprotected. These actions have caused significant inc onvenience and financial loss
Product: Bank account or service

I try using my chase card on XXXX/XXXX/15 at a bakery department in XXXX, GA and chase stopped further transactions on my card. I called chase company to inquire about my card not working. The chase representative expressed to me, that I have made several charges. I informed the chase representative I did not use my chase card all day, until in the evening, therefore any unauthorized charges unknown are not mine. I then stated to the chase representative, the last time I used my chase card was on XXXX/XXXX/2015, at several businesses in XXXX, GA. The chase representative explained to me that he will forward my disputes to the chase claims department so they can can give me credit back on my card. Chase company strongly believes that, I used my chase card, to make those unknown transactions at places I never knew about. If I called chase about the unauthorized charges on my chase card, it is chase 's responsibility to probe and provide me with temporary credit until the investigation is done. Nevertheless, chase assumes I actually made the bizarre charges and not honoring me credit on my chase account.
Product: Credit card or prepaid card

XXXX XXXX offer a reward program that if you make 6 consecutive payments on time you decide your reward, A decrease APR or increased credit line, so i made my 6th on time payment and I did not get to choose my reward, they gave me a decreased APR and i called them on XX/XX/2023, around XXXX and their stating that my credit rating doesnt qualified for increased credit line, and it does not state that on the rewards page, but i also was making {$50.00} payments instead of the minimum {$25.00} and i would like to have my credit line increased, because it states i get to choose its my way and i feel their taking advantage of people, cause they only drop XXXX XXXX
Product: Checking or savings account

Huntington Bank is in violation of federal law fair and accurate credit transaction act and my due process rights by closing my banking account and keeping {$4500.00} of my money. I was a victim of a financial scheme. The perpetrator my alleged boyfriend asked me to lend him money for his financial problems and used my bank account to transfer money to XXXX. He told me to help him help his friend to do payments on XXXX by way of XXXX. the XXXX was used for payment to XXXX XXXX for an investment he supposedly had. The email address is the XXXX. I found out through Hungtinton Bank that it was fraud. My supposed to be imposter boyfriend preyed on my emotional dependency and trust to commit fraud to not only myself but to other women ( consumers ). I gave the imposter my bank account information and he provided the information to the other women who supposedly were his clients ( friends ) that he told them that they would be helping his friends out The bank is holding on to {$4500.00} of my money. 
I have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. 
Yes Wyoming Police Department, around XX/XX/2022 XXXX no. XXXX and federal Trade commission XX/XX/2022 FTC Report XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to complain about incorrect credit information which is appearing on my experian credit report for a XXXX credit account. XXXX on XX/XX/2020 reported my account as 30 days late to experian. This update flagged my account negatively and brought my score down by 21 points. I worked with XXXX to resolve the issue and had them correct it at their end ( I have a letter from XXXX which confirms the correction ) .However the department within XXXX which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to experian. I also worked with experian to rectify this error by providing them supporting documentation from XXXX but as per experian they have not received any updated information from XXXX  to remove deliquency. I have been thrown in circles by both of these companies- experian and XXXX credit reporting department. XXXX, on each call has confirmed that from their end the account is current and has never been late however Experian is still reporting the account as 30 days past due in XX/XX/2020. 
Experian on XX/XX/XXXX - report number XXXX, corrected the information but on XX/XX/XXXX - report number XXXX again published incorrect information. 

This is a pure example of missing links in the process which XXXX   uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify and update information. I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me from moving forward with my home buying process. I would like to request experian to remove 30 day delinquency attached to my XXXX  credit account and also appropriately update my score back. The day delinquency was posted, my score dropped by 21 points and I am hoping that it will be reverted. Looking forward to a resolve, I will be happy to provide any supporting documentation needed. Thanks
Product: Checking or savings account

On XX/XX/2021, I reserved and canceled a hotel room at XXXX XXXX XXXX XXXX by XXXX in XXXX XXXX XXXX with XXXX Because of the cancellation, XXXX refunded me {$100.00}. I contacted XXXX and they told me that they processed the refund on XX/XX/2021 back to my Chase checking account. 

I contacted Chase in XXXX because I never received the refund. They told me that they never got the money. I have been in contact with XXXX which sent me an email stating that they processed the money. At the same time, I contacted Chase and they keep telling me that they never received anything. 

I am in the middle of these two companies stating that XXXX sent the money and Chase stating that they never received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a personal problem that affects just me. This is affecting every consumer in our country. You have to fight & make several phone calls to get to your free annual credit report or even if you're denied credit. All 3 of these agencies direct you totally to their " pay for sites ''. This is a scam & is  directed totally to people of low income or seniors. People with high incomes & other means of income do not rely on these so called credit companies. I also realize my complaint will be tossed & never addressed before I die.
Product: Credit card or prepaid card

Hello. 

I have been repeatedly contacted by American Express in regard to paying a debt on a card I never applied for, received, or used. I contacted them each time they sent a bill, or email. Which was well over 15 times over seven or so months. Each time they told me the issue had been reported as fraud and I no longer needed to worry about it. They said I could just ignore the continuing bills in the mail and email. The bills kept coming. After thinking the whole ordeal was finally over I'm now getting emails from American Express and XXXX XXXX collections agency. I called the collection agency today and told them the same thing I told American Express. This is such a waste of time and extremely aggravating and pure harassment. 

Please Help! 

XXXX : XXXX XXXX XXXXXXXX American Express last 5 digits # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

please help me with these credited loans sharks I took a {$400.00} dollar 's and a pirate added to the tennis ticket XXXX  office and added interest to me and surcharges for the next amounts of money to be {$1100.00}. thank you for your attention to this point
Product: Bank account or service

I paid my cellphone bill on XXXX/XXXX/15 which was {$210.00}. It posted on XX/XX/2015. I went shopping earlier and I glanced at my balance and notice I had n't spent as much this weekend as I thought. Come to find out my cellphone bill charge had vanished. I call Wells Fargo and was basically told that it 's done that way with larger charges to let the merchant bill it. I asked my larger charges and they said it creates potential for overdraft charges. The put the {$210.00} back in my balance hoping I would spend enough to make it overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reports from XXXX  pulled by Ford and several others were not by my consent.
Product: Vehicle loan or lease

I bought a car new in XX/XX/2012 using XXXX XXXX as the lender. A few months later, I received an offer from Santander to do a cash out refinance on the car. What I was not told clearly was how high the LTV would really be on this car after the refinance and my term would be re-extended. Furthermore, I have paid them over {$36000.00} on a {$19000.00} loan for the past five years and I still owe {$8600.00} and am current. This is a XXXX XXXX that has XXXX miles on it and a fatal recall due to oil assumption ( my car doesn't qualify for recall fix due to miles on it ) and now my engine is gone. The book value is {$1000.00} and the care is useless and I can't even finance another car till I pay of this {$8600.00}. This was a predatory loan given to someone who could never really have afforded this and did not understand the terms that were given. They should not allow high LTV 's and cash out refinances on cars that were only recently purchased with no money down. The LTV on this loan was over 125 % at the time. I had no idea what that meant. This should be against the law. I did speak with the office of the president about it awhile back and he tried to give me a modification to extend the loan again with no real lower interest rate. Unreal! I am going to try to scrape up the money for an attorney.
Product: Credit reporting

I have called and sent information regarding inquiries on my credit report and they refuse to remove the inquiries that are not mine on my report. I am a victim of identity theft and its stated on my report. I was told that I have to get a letter from the company stating that I did n't apply for credit, I am getting the run around from Equifax and the actual credit company. I should only have XXXX inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date : XX/XX/XXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$9000.00} from XXXX XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section XXXX ( XXXX XXXX. XXXX ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts on my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I mistakenly sent {$3000.00} via XXXX to an unknown recipient in three separate transactions : {$1800.00} on XX/XX/year> {$900.00} on XX/XX/year> {$350.00} on XX/XX/year> After realizing the error, I reported the transactions to Chase on XX/XX/year> under claim reference # XXXX. I explained that the payments were unauthorized or sent in error. 

Chase closed my claim without providing a satisfactory resolution. They informed me they had completed their review, but did not provide evidence or details of their investigation. I requested an explanation of how the transactions were considered authorized, but I have not received any documents or clarification. As a result, I have not been able to recover the funds. Also I received a phone call at approximately XXXX XXXX  from someone claiming to be from XXXX. They said they had sent me a verification link to set up my XXXX  account and needed additional personal details to complete the setup. They asked for the following information : Name Phone number Address Social Security Number ( SSN ) XXXX account number Routing number A confirmation code sent via text message Believing this call was legitimate, I provided the requested information. After about 30 minutes, I began to feel suspicious and went to the XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX. The staff informed me that the text message was not from XXXX, and I had been scammed. 

Within 2-3 days, I discovered unauthorised transactions in my accounts, which I believe were a result of the scam. I have contacted XXXX, but I have not received a resolution or proper support for this issue.
Product: Mortgage

I first contacted Lakeview Loan Servicing Customer Service on XX/XX/2020 to discuss the process of how to go about having PMI removed from my mortgage as I have made home improvements to  my property and there has been significant appreciation in the local market area. I was on the phone for more than an hour being shifted around to different departments as no-one could help me with the question. I was not able to have my question answered. 
I called back on XX/XX/XXXX with the same question and was circled through different departments again and put through the insurance department. The girl I spoke with was more helpful, but not too sure of the process so put me on hold quite a bit too get the information I was seeking. She said she would send my request to the proper department and flag it as urgent as I had already called 5 days prior with no resolution. The timeline for a response would be a few days from the department with the urgency flag. I was to receive a list of requirements for the PMI removal which would be a list of approved vendors in my local area for an appraisal on my property or I could provide a list of the home improvements made with a broker 's report. 
I did not receive a an email or anything in the mail from Lakeview Loan Servicing regarding my request. 
Thus, I sent an email on XX/XX/XXXX to customer service on the website in which I received a ticket number back to my personal email for the same request although it said to not send duplicate requests. I believed I would hear back from the support team since their was a written ticket instead of phone support calls. 
I did not hear back. 
Hence, I sent another email on XX/XX/XXXX to customer service on the website in which I received a ticket number back to my personal email for the same request. 

As this is the fourth attempt, and I have not received any instructions or received any customer support, I am concerned that the mortgage lender is not abiding my rights of the federal Homeowners Protection Act. I have the right to request the instructions of how to cancel PMI  and they are not allowing me this option by not responding. 

Next, I am concernced if and when I receive these instructions, will this lender work with me in the removal? Or continue to be non-respondent. 

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

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$990.00}
Product: Credit reporting or other personal consumer reports

If, any reinvestigation under paragraph ( XXXX ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 
( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX  Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : Last active date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These idiots i disputed hard inquiry and they deleted 2 positive reporting accounts one i closed and other one is 1 of 3 credit cards i have open
Product: Credit card

I, XXXX XXXX, am submitting this complaint regarding serious violations by JP Morgan Chase & Co., including breaches of fiduciary duty, mishandling of securities, and failure to respond to lawful requests for documentation. These violations have caused financial harm and undermine consumer confidence in fair banking practices. 
Details of the Incident 1. Tender of Security : On XX/XX/year>, I sent a security and instruction letter to JP Morgan Chase via Registered Mail ( Tracking No. XXXX ). The documents were received on XX/XX/year>. JP Morgan Chase did NOT perform according to the instructions provided. 
2. Request for Records : On XX/XX/year>, I formally requested records maintained in compliance with GAAP to clarify how the security was handled. JP Morgan Chase did NOT respond to this lawful request. 
3. Opportunity to Cure : On XX/XX/year>, I issued a final opportunity for JP Morgan Chase to resolve the matter amicably. This notice was also ignored by JP Morgan Chase. 
4. Certificate of Dishonor and Nonresponse : A notarized document issued on XX/XX/year>, by XXXX XXXX, detailing JP Morgan Chase 's failure to respond. 
5. Audit Findings : An audit revealed irregularities, including discrepancies in the transaction flow reported to the SEC and missing records from JP Morgan XXXX XXXX, which acted as Lead Manager for the bond in question.