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

Chime refuses to acknowledge a fraudulent transaction on my account. Their investigative team disregards any and all evidence by providing an invalid link to support any uploading documents from going through. Its a scam. Supervisors wont help nor does names of these supervisors or even the ticket number for the call. My fraudulent charge is a felony. I made a XXXX claim and an FBI report on said fraud. Even after cancelling my card, someone continued to try and make hundreds of dollars in purchases that were declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX , XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX, my daughter and son-in-law received a call from someone falsely impersonating their son stating he was in a car accident in XXXX, NJ and needed bail of {$9000.00} and to contact the financial rep and court attorney for his release. In a state of panic, we were contacted by 2 people impersonating a court attorney and bails bond person ( going by the name XXXX XXXX ) who instructed us where to wire the money to a XXXX account in XXXX, NY. I wired from my WSFS account located at XXXX XXXXXXXX in XXXX the money and we were told my grandson would be released. No more than an hour later, we found out it was a scam and I contacted the bank immediately to try to stop the wire transfer. I spoke with XXXX, from WSFS and he quickly put a fraud alert on my accounts and stated he was contacting my branch directly and that I would need to close my account and open new ones. I also filed a police report with XXXX XXXX XXXX and my daughter filed a complaint with the FTC. Saturday, XX/XX/XXXX, I received a call from the branch manager and was told that my money did not get transferred and someone on the backend was able to catch it and asked for me to come in to close and get new accounts due to fraud. I went in that day and sat for 2 hours with the branch manager updating my accounts and she assured me that my money was still there and was not transferred and that they were able to catch it. I was relieved but traumatized by this experience as I am a widow on a fixed income. On Tuesday, XX/XX/XXXX, I was shocked to receive a casual phone call from a teller at WSFS stating that unfortunately my money was transferred to the scammers account and they werent able to verify because the Wire department was not open on Saturday!! I was infuriated! They assured me several times that my money was safe and didnt go through. I asked to speak with the manager and she was unapologetic stating the same thing. I was contacted by the Regional Manager who basically said they gave me the wrong information and that unfortunately the money went directly through that Friday. I told them they had dropped the ball and I was assured my money was not transferred. I dont understand why no more than an hour after we found out and contacted them about the fraud that more wasnt done. No one from WSFS even attempted to contact XXXX where the fraud initiated from. I am extremely upset and will continue to fight this.
Product: Student loan

In XX/XX/XXXX, I changed loan servicers from XXXX to XXXX/XXXX, XXXX/XXXX funded {$160000.00} to XXXX on XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX-Received electronic letter from XXXX regarding PAID IN FULL ( Subsidized and unsubsidized loans ), XX/XX/XXXX-Received electronic letter from XXXX regarding PAID IN FULL ( Stafford loan ). My XXXX balance was {$0.00} and closed my account. In XX/XX/XXXX, XX/XX/XXXX-Received email of XXXX  total balance due of {$1500.00} ( XXXX account reopened ). XX/XX/XXXX-Contacted XXXX  representative XXXX XXXX, a previous payment for XX/XX/XXXX of {$1500.00} ( made to a previous servicer prior to XXXX, XXXX ) payment was coded as a " preconversion adjustment '' and not as a " payment '' -that 's why not it is not reflected on the payment history. And will receive a letter of that written correspondence in 7-10 business days. XX/XX/XXXX-Paid loan payoff amount {$1500.00} to officially close my account with XXXX. In XX/XX/XXXX, XX/XX/XXXX-Received electronic letter / written correspondence Our records indicate we received a payment on XX/XX/XXXX from XXXX in the amount of {$1500.00}. This was applied with an effective date of XX/XX/XXXX. XX/XX/XXXX-Received electronic letter my XXXX  regarding PAID IN FULL and closed my account with XXXX once again. 7 months later. In XX/XX/XXXX, XX/XX/XXXX-Received email of XXXX total balance {$1500.00} due XX/XX/XXXX ( XXXX  account reopened ).  Contacted XXXX representative, was told that " XXXX overpaid {$1500.00} and the amount refunded back to XXXX on XX/XX/XXXX. I told them I was the one who made the final payment in XX/XX/XXXX, out of my own pocket. Checked my bank account, a total of {$1500.00} was refunded back to me for no reason and without my request. Transferred to XXXX XXXX, XXXX supervisor XXXX, she submitted case review to their Financial Management Team to find out why the amount was refunded into my account, will take 24-48 hours, latest response on be on Friday, XX/XX/XXXX. I did not hear back from anyone. XXXX  account is reopened and theres an outstanding balance accruing interest daily with a due date in upcoming XXXX. This is unresolved and no instructions given to what to do next.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to address this issue, I would like to follow up about these fraudulent entries persist, adversely impacting my financial standing and creditworthiness. The fraudulent items in question they have been erroneously reported on my credit file. I have attached copies of supporting documents to substantiate my claims and provide proof of the fraudulent nature of these entries. I have undertaken several steps to rectify this issue : I have diligently submitted disputes through your bureau, providing comprehensive explanations and supporting documentation to contest the fraudulent nature of these entries. I have communicated directly with the creditors associated with these fraudulent items, seeking their cooperation in rectifying this matter. Unfortunately, these efforts have not resulted in the removal of these fraudulent entries. I have followed the appropriate channels to dispute these inaccuracies numerous times, yet the fraudulent items persist in my credit file. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XX/XX/22 {$1600.00} I have informed this company/firm that I do not owe any debt to them. I have sent them Cease & Desist letters 6 separate times. They have filed a lawsuit against me for a garnishment from my financial institution. I have informed them numerous times that I receive Social Security Benefits and that my entire account is EXEMPT.
Product: Debt collection

On XX/XX/XXXX, I sent JP Morgan Chase Bank a validation request for validation that all required notices under UCC Law were received and timely. I have requested this information several times, prior to XX/XX/XXXX and also have spoken to a rep over the phone, in which I also requested that proof all required notices were sent in received. I have yet to receive requested notices. I also show the last payment on account # XXXX was on XX/XX/XXXX, which means the car was sold and I was not notified of the date, place or time of sale. I also did not receive any breakdown of my deficiency balance. Because these notices were not received AT ALL, the deficiency balance on this account is no longer valid. Furthermore, the vehicle must be sold for an reasonable price and as of where the current balance stands, I can not see how this was the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I got a letter in the mail dated XX/XX/2019 saying I applied for a credit card and said denied. I did not apply for this card this was fraud. I did not approve of any authority to request this card for Santander Bank. I called Santander today XX/XX/XXXX to get to the bottom of this and told them it's fraud. They said best to dispute this and that they will try to remove it as soon as possible since this was not authorized by me nor did I sign anything.
Product: Debt collection

I received a bill from ( I.C. System Inc. ) XXXX XXXX XXXX XXXX XXXX MN. XXXX For the amount of {$5200.00} on XXXX with my name and address. I did call and make a complaint to them and to my understanding they put it in their system as fraud. I spoke with customer service at XXXX XXXX and asked to speak with a XXXX and they wouldn't let me without giving my email. I asked for proof of the account and They didn't give me any answers. I live in Idaho, this is not my bill and I have never had XXXX XXXX The name and address of the original creditor is : XXXX XXXX XXXX HWY XXXX XXXX. 
XXXX MD. XXXX I Spoke with the XXXX and they said this creditor address doesn't even exist. I need my name and any information of mine cleared
Product: Credit card or prepaid card

USAA applied payment to a 0 % promotional balance instead of an interest bearing balance. I contacted them to attempt to correct the issue and they refused citing their cardholder agreement. I cited the XXXX Credit Card Act and attempted to explain the excess payment rule, however they refused to correct the balance change. 

I did not attach statements from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as they contain PII.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are all the accounts I suggest you remove off your XXXX, is there any more you want me to add on ? 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$910.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle on XXXX. ( Please see copy of the Vehicle Invoice. ) In addition, on the same day I purchased the vehicle, I also purchased GAP Insurance. ( Please see GAP ADDENDUM attached. ) I was involved in an accident that resulted in the vehicle being deemed a total loss. XXXX XXXX XXXX , Inc ( Letter attached dated XXXX ) has broken down the coverage of the vehicle as follows : Original Amount Financed XXXX GAP Contractual Maximum XXXX Contractual Payoff XXXX Minus Adjustment/Warranty XXXX Minus Net GAP XXXX Minus Primary XXXX Minus Misc Adj XXXX Total GAP Settlement XXXX TOTAL OWED XXXX The GAP Addendum clearly shows there was coverage and any remaining balance due was paid. Consequently, the charge-off being reported is false and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus, XXXX, Equifax, and XXXX are reporting false and inaccurate information about a public Record Bankruptcy on my credit report. 
Each Bureau does not report The Status, the Date Paid, the amount, or Plaintiff. The Court number is inaccurate. It shows no accounts included in bankruptcy. Some show no discharge date or inaccurate discharge date. 

I sent several letters to clear up this matter with them saying the information is accurate but they Have not provided me who they verified this information with. The courts themselves do not furnish this information to any credit Bureau or any third party agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a XXXX office suffering from horrible XXXX XXXX. They told me about monthly payment plans and my social was needed for it. I'm thinking to make sure I don't get my teeth fixed and run off without paying them. I didn't think it was to run credit I could've pulled up on my phone!!! Not only that but they didn't tell me that it'll be on my report for 2yrs as an hard inquiry!!! Dropping my credit score for services I NEVER USED!!!!!
Product: Checking or savings account

Chime Bank has multiple withdrawals from a atm that was fraudulent I sent the official police report they keep saying no error occurred when fraud occurred the transactions equaled out to $ XXXXthese transactions started on XX/XX/year> and stopped XX/XX/year> they gave some funds back but not all I have been re disputing and trying to to get my funds back since XXXX
Product: Debt collection

The debt collector is XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX. They are calling me every 3 days to collect a payment on an XXXX XXXX. The payment is for {$600.00} that was originally due to XXXX XXXX..

I have repeatedly told the caller ( s ) that I will pay them at the end of XX/XX/XXXX.

They are very aggressive on the phone, trying to push me to pay them immediately.

I have a XXXX XXXX, and these calls create a high level of stress, anxiety and XXXX XXXX XXXX. It takes me an hour to calm down.

They call on an auto dial that creates an auto dial for a local number so I do not realize that it is them, till it's too late.

I really do plan to pay them by XX/XX/XXXX. Please get them to stop harrassing me.

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

see letter and FTC report attached. This is my XXXX or XXXX attempt and this needs to be fixed asap
Product: Credit card or prepaid card

If the IRS didn't do a direct deposit into my account, I would NEVER use PayPal again!! {$600.00} dollars was deposited into my PayPal account I transferred it to my Paypal Prepaid MasterCard ending in XXXX. Before traveling I lose my card, then remember PayPal sent me another card ending in XXXX. Traveling through hills I tried to activate the card but lost signal and the call was dropped, thinking it was activated/registered I add it to my XXXX wallet and now it keeps getting declined saying insufficient funds.. WHERE IS MY MONEY??
Product: Credit reporting

An item not belonging to me ( XXXX XXXX Credit Card ) is showing on Equifax. I first filed a dispute on XXXX/XXXX/XXXX. I have since filed 4 more disputes. I have also spent hours on the phone with both XXXX XXXX and Equifax. XXXX XXXX shows the item as removed from my name and credit. They sent me a letter confirming this XXXX/XXXX/XXXX, which I forwarded to Equifax. Equifax is still denying the removal from their reports, stating that XXXX XXXX confirmed the item as belonging to me. XXXX XXXX is stating that they did not receive an inquiry from Equifax. Neither company will call the other and both blame the other, with me stuck in the middle. I keep being told to file another dispute and it will clear this time but I 've already filed 5 disputes. No other credit agencies shows this item as belonging to me, leaving me to believe the issue is with Equifax.
Product: Money transfer, virtual currency, or money service

XXXX XXXXXXXX refund was refunded to Cashapp on XX/XX/2024 and as of today they claim they are not holding it but it is not available in my account as promised. Their own policy states deposits are available two days in advance and it's currently two days AFTER the issues date, sent by XXXX XXXXXXXX. Direct deposits are cleared funds therefore it should be in my account since today marks two business days or at the very least showing as pending but neither is the case. Cashapp representatives refuse to provide me information on this transaction and also claim to not " see it '' but at the same time says it takes 1-3 business days or 5 business days to be available. The school shows a refund issued on XX/XX/2024. Other students have already received their funds with the same issue date but not me. Cashapp claim they have XXXX business days to make the funds available which is not in my best interest. The funds are needed to purchase XXXX supplies and the unnecessary hold and lack of transparency on behalf of Cashapp make it extremely unfair for me to do that. I have contacted Cashapp via phone on a recirded line and through in app support to which I was told contradictory statements made on behalf of their representatives. The supervisor over the phone stated that I would see the funds in my account today XX/XX/2024 after speaking with her yesterday XX/XX/2024. They have not made the funds available to me and continue to be discreet about availability. This is unfair to me as the consumer and legally entitled receipient.
Product: Credit card or prepaid card

Applied for BofA card that said it would come with a {$100.00} statement credit with purchase of a flight. I got the flight- {$180.00}. At no point was it made clear to me during the application that it would cost a {$59.00} membership fee, it really only asked the basic questions about myself, ran a credit check, approved and used that day. I called in to pay it off when the statement came still saying XXXX nothing about a fee. Call in to pay it off, find out about the fee. You guys have been extremely deceptive to me before, its why I didnt use you for years and years. He said it was in the TOS which I didnt even get till after use. I wouldnt have used it for a measly {$41.00} statement credit since you always weasel stuff in. I want my my {$150.00} back as advertised
Product: Debt collection

This Debt has open balance I do not believed the debt that is reporting is not valid