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

Starting on or about XX/XX/2020 and over the course of the next 5 days, I received via USPS, 3 separate debit cards from Chase bank that were tied to checking accounts that I did not open. 

I called the customer service number ( XXXX ) XXXX listed on the attached sheet with the cards to report that I did not open these accounts and wanted to speak to someone in the fraud department about how checking accounts could have been opened in my name. The first person I spoke to I don't think understood that I really had not opened these checking accounts even though I did my best to express concern over getting 3 debit cards tied to 3 different checking accounts. He did tell me that the checking accounts contained a Zero ( {$0.00} ) balance, which seemed suspect to me.He sent me to another department that handles my issue and after waiting for 45 + minutes to finally get connected to the right person, the audio quality was so poor the call was disconnected before any meaningful communication transpired. I have since tried to call several other times and experienced similar wait times and so had to hang up before someone answered. 

We do not have Chase ( brick & mortar ) banks in my area of the country and I have never opened an online or in person account at any Chase bank in my 39 years of being an adult.

I am concerned that there is some serious fraud going on with Chase, presumably in their online banking dept., that they could open 3 accounts in my name without my knowledge. I guard my personal information and monitor my credit frequently and feel these bank accounts would have shown up on the reports but they have not as of this date.

I am asking that this agency investigate Chase Bank 's requirements for opening checking accounts. I am willing to provide any additional information I have to help with this investigation.

The file I have attached below is of one of the letters I received with the debit card ( the debit card is removed )
Product: Mortgage

Our home mortgage is with Ocwen. They were supposed to set up an escrow account for our property tax and insurance. They did not do this. We have been paying our own home insurance from the beginning. Our insurance provider has tried multiple times to coordinate with them, but to no avail. For this reason, I have been paying just the mortgage amount, no escrow. They are now demanding the escrow account be paid up, even though when I call customer service, they tell me I do not have an escrow account. I do not want to send them any escrow money, since I am paying my insurance and taxes on my own. I am unable to obtain a satisfactory answer from their customer service department. All they do is assure me they have put my question into the " system '', but there is never any clarification.
Product: Debt collection

Credit Control is tryin to collect debt that I am unaware of. I asked for Validation of debt. I do not owe credit control. Please see attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Payday loan, title loan, personal loan, or advance loan

so I went to get a a ( XXXX ) we agree on a price and he said if I wanted a loan with this bank called XXXX I would need XXXX down I said I only have XXXX XXXX so he said ok well I can try but not with XXXX he said he had a sales rep that knew other banks to finance I said ok just don't run me the Westlake because I had bas history with them and as you can see I'm here now and the only bank he ran me through was Westlake when I told him not too
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft also had back payment child support does not show up on my credit report that i'v paid my child support, there are names show up like XXXX XXXX + XXXX XXXX XXXX+XXXX XXXX XXXX XXXX these names show up on my credit report. on my child support it says my balance is XXXX i do not owe this amount.i have proof of my XXXX check.Thank You
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : I successfully open a XXXXXXXX XXXX XXXX  savings account XX/XX/XXXX : I attempt to connect my bank ( XXXX doesnt take my bank. doesnt tell me this though! ) instead of giving me an error message it just locked me out PERMANENTLY for too many attempts. 
XX/XX/XXXX XXXXXXXX XXXX  : I call XXXX. They half remedy the issue by unlocking my account, I thought everything was fine. 
XXXX I find that I can't open new bank accounts. I can't connect accounts. Apparently XXXX sent ChexSystems some message saying I'm negative. From what I'm reading this mark with remain there for 5 years. No other information is available accept that I have the option to ask for this report and dispute it. Notice how much I need to do because XXXX 's platform doesn't inform you of THEIR website error. Websites are telling me " pay down debt '' as one of the steps. As if I did anything wrong or owe anyone money. 
XXXX I fill out my sensitive info for chexsystems, click send, nothing happens. I try on a XXXX, same thing. I'm on a common laptop, like what's the issue? This is actually illegal on the part of ChexSystems, because they claim they will give me my report but it is inaccessible. I actually try to call, but the connection and accent is so bad I can't understand anyone and I give up. I promise I'm not being XXXX, just XXXX ; I really struggle to understand heavy accents. Inaccessible information that is mine. Hours spent by now. 
XXXX I call XXXX back to give them an opportunity to correct it ; the kind and unfortunate supervisor tells me that by their rules XXXX can not do ANYTHING FOR ME~! I have to reach out to ChexSystems. He was upset as well, he didn't even know this could happen. 
XXXX filing this complaint. Will bring lawyers into the situation if needed.
Product: Debt or credit management

My credit report has a lot of identity theft information and someone has been using my social for cards and credit I really want JUSTICE TO MY LIFE
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been provided my correct information, to include statements, to the credit bureaus that is incorrect concerning late payments in XXXX and XXXX. I have already provided statements and shown that might be a minute Im always been automatically paid. Additionally the late payments were on a weekend ( while I was XXXX and could not change myself ) but should have been corrected by the bank/financial institution . This company has also provided wrong financial information, wrong marital status, wrong middle name, and wrong addresses to these reporting bureaus. I have tried for months to get the situation rectified as they keep telling me that they have done everything they can and are reporting the correct information, yet the reporting bureaus are not! I have cited every applicable law and included them in my disputes with XXXX XXXX, XXXX, XXXX and they are still claiming that this company is holding me XXXX. Furthermore, this account has been paid in full! So why they are choosing to report negatively on me is quite baffling.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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
Product: Debt collection

Hewitt Capital LLC called my father and sister regarding a debt. They were not authorized to do this.
Product: Credit card or prepaid card

Since XXXX of XXXX, my debit card was compromised and used to charge over {$1800.00}. 

I made a complaint with the Go Program, but they would not help me. 

As of XX/XX/2020, I provided the Go Program with a police report indicating this was fraud and itemizing each of the unauthorized charges in the police report. I have also filed an FTC Identify Theft Report and provided another itemization to the Go Program. 

I have provided all the appropriate documentation to the Go Program to honor my fraud claim.
Product: Debt collection

I got an email from XXXX XXXX XXXX regarding a debt collection agency by the name of Nationwide Recovery Services re : a debt owed them in the amount of {$1300.00} in my name. 
So I notified them informing them of the issues at hand, I spoke with a young lady who was assisting me in trying to find out where the debt came from, she didn't have that information because the names in her system reference the same name as mine. I never receive any kind of notification from this debt collection agency before, and there's another problem, I can't get a hold of XXXX only their automation system in which don't address my needs, The notice has been posted by XXXX on my account because work with them before in past and them {$99.00} a month for six months to repair my credit, that ended last year XXXXXX/XX/XXXX, but in the meantime when I was speaking with the young lady who kept putting hold, I got another email from XXXX informing me my credit score has decreased by 7 points at this point I didn't know what to do but file a complaint with your agency.
Product: Debt collection

The balance is XXXX and you know it, yall are just being trashy.
Product: Payday loan, title loan, personal loan, or advance loan

I received a {$600.00} credit line, the first payment was in the amount of {$78.00}, in XXXX XXXX, then the following payment as ACH in Line of Credit Summary Credit Limit Current Balance info Available Credit {$600.00} {$720.00} Balance Due {$40.00} available credit line Make a Payment Request a Draw Account Summaryactioncarot Last Statement Date : XX/XX/XXXX Minimum Payment Due : {$110.00} Payment Due Date : XX/XX/XXXX Pending Draw Requestinfoactioncarot -- -- Recent XXXX XX/XX/XXXX Payment ( {$110.00} ) XX/XX/XXXX Draw {$600.00} XX/XX/XXXX = Credit Limit : {$600.00} Outstanding Principal Balance : {$580.00} Available Credit : {$20.00} Minimum Payment Due : {$110.00} Due Date : XXXX XXXX XXXX Your Minimum Payment includes your Billing Cycle Charge and a {$20.00} Mandatory Principal Contribution to your Outstanding Principal Balance. Any Amount Past Due is not included in your Minimum Payment.

Amount Past Due ( Due Immediately ) : {$0.00} Previous Balance : {$740.00} New Balance : {$760.00} Fees ( Billing Cycle Charges ) : {$180.00} Advances : {$0.00} Payments and Credits : {$75.00} Fees ( Billing Cycle Charge ) : {$90.00}, XXXX payment/Balance : Credit Limit : {$600.00} Outstanding Principal Balance : {$600.00} Available Credit : {$0.00} Minimum Payment Due : {$110.00} Due Date : XX/XX/XXXX Your Minimum Payment includes your Billing Cycle Charge and a {$20.00} Mandatory Principal Contribution to your Outstanding Principal Balance. Any Amount Past Due is not included in your Minimum Payment.

Amount Past Due ( Due Immediately ) : {$0.00} Previous Balance : {$650.00} New Balance : {$740.00} Fees ( Billing Cycle Charges ) : {$90.00} Advances : {$0.00} Payments and Credits : {$0.00} Fees ( Billing Cycle Charge ) : {$90.00} So after all these payments, they are only applying XXXX to credit line and charging XXXX a month for fees and interest, and the balance keeps increasing! 

This is the most predatory type of lending I have ever seen. The agreement you sign has no way for a consumer to catch up, they keep adding to the balance as follows : The payment amount due each month is based on your balance, so since they keep adding to the balance, your payment is going to be higher each month, and they keep increasing the fees. If I took 12 months to payoff a {$600.00} credit line- their XXXX fee ( minimum ) XXXX XXXX  {$1000.00} fees for a {$600.00} loan. This is extortion predatory lending at it's worse. I will be happy to upload and provide you with the agreements, arbitration agreements to their favor, etc.
Product: Credit reporting

TransUnion has refused to update my personal information correctly several times. I have sent numerous letters asking them to correct my information. They just keep saying verified. Verified with who??? Here is my Identification with my proper address. I told them I never lived at the address they are reporting. They said the creditors are reporting this. The creditors " reporting '' this address is the account opened by the identity thief. Attached is my proper Identification and address. I would like my correct address displayed properly on this credit report and not this fraudulent address. XXXX XXXX XXXX XXXX XXXX DE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a money lion account on my credit report thats an negative mark i believe its fraud i do not recall working with that company or giving them my info Im trying to build my credit and this report is in my way i would love if it can be disputed thank you.
Product: Checking or savings account

I bank with chime and someone used my account to make unauthorized transaction multiple times on XXXX different gaming sites for a total of XXXX on XX/XX/year>. I immediately called my bank and disputed the transaction and told them that my phone was lost or either stolen and someone mustve logged in into my account and made these, they also added money to an cash app account that was clearly not me, they denied my dispute with no evidence to why it was denied, they said they did not have a statement from the gaming sites, but see the game sites refused to give me a charge back for the money that was taking, but how is that even possible if they didnt receive a statement from them and even if they did, I thought that when Im with a bank that Im automatically secure if someone use my bank card for unauthorized transactions, how can they just deny me without any evidence that I did any wrongdoing? I would like my money back immediately, am I not covered by law to get my money for unauthorized transactions, they denied my dispute on XX/XX/year> XXXX
Product: Credit card or prepaid card

1. On Wednesday, XX/XX/XXXX at XXXX XXXX  I received an email notification that my Citi Double Cash Card had been compromised with suspected fraudulent activity. A purchase in the amount of {$300.00} was attempted on XX/XX/XXXX but was denied. The email prompted me to select if I recognized the charge listed ; I selected " No ''. That same day I received multiple telephone voicemails repeating the same message, notifying me of the attempted fraudulent charge and asking if I recognized it. On at least one occasion I confirmed via telephone that I had not made this charge. 

2. Friday, XX/XX/XXXX I received e-mail confirmation that my account had been closed due to a lost or stolen credit card and that I would receive a new card for my new account on Saturday, XX/XX/XXXX. I received both the XXXX   Shipment and Delivery notifications for said card via email, as well as text messages with identical messages. 

3. On Saturday XX/XX/XXXX I received a replacement XXXX Double Cash Card. The name and account on the card DID NOT BELONG TO ME, though I had an option to activate and use the new card as my own via telephone. I immediately spoke with Citi customer service representative that evening. I was told to discard of the 'replacement ' card and that a new one would be issued and delivered to me by Monday XX/XX/XXXX. 

4. On XX/XX/XXXX at XXXX XXXX I received an e-mail stating my 2nd replacement card would not be delivered to me until XX/XX/XXXX due to a service delivery. 

5. I did not receive my card XX/XX/XXXX. I spoke with a customer service representative this evening who stated my 2nd replacement card was shipped on XX/XX/XXXX ; however, I did not receive neither e-mail nor text message confirmations of even the shipment of this new card, unlike the time I received the wrong card.
Product: Debt collection

I've been getting numerous phone calls from many different phone numbers. They all call saying they are from a company called Central Resources. Every time they call they won't tell me what it's about and they ask me to reveal sensitive information like they are trying to steal my identity. On XX/XX/23 they called me and said they are going to forward my information to a lawyer and sue me if I don't answer their questions. Calls began around 4 months ago. I wasn't even aware that I owed a debt to someone, let alone for medical bills.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXXXXXX XXXX about XXXX weeks ago opting out of any and all authorization. I am hereby putting XXXX XXXX  under default per 15 usc 6802. see attached
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things and incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximun possible accuracy of the information concerning the individual about whom the report relates these accounts XXXX  XXXX are not completed and accurate 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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

In XX/XX/XXXX, I paidXX/XX/XXXX, a {$1500.00} retainer and an additional {$6000.00} for various projects to be completed at my residence at XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. These projects included specific tasks that were never executed. Despite repeated requests for refunds on the retainer and services unrendered, as well as the return of project funds, XXXX XXXX ceased all communication. She even went as far as disputing several transactions through Citibank, claiming payment for services she never completed. Ultimately, Citibank reversed my disputes in her favor, further exacerbating the situation by closing my account and reporting negative remarks on my credit for the past year. I requested XXXX XXXX, XXXX XXXX  XXXX, Citi for time to dispute charges related to this and my XXXX XXXX being hacked later in XXXX. Not only did they not remove the charges from my account but I incurred late fees, interest charges and ultimately charge-offs related to balances/ payments not being made, as I refused to pay the vendor for work not completed. After closing the accounts, XXXX XXXX refused to provide online statements and an opportunity to work with their disputes department. They immediately sold the account off and listed derogatory notes on my report. XXXX, XXXX XXXX had similar responses While working on my home, XXXX XXXX engaged several contractors who were not licensed, despite her assurances that they had valid business licenses. When I requested verification of their licensing, itemized receipts for the work performed, and a 1099 form for tax reporting purposes in XXXX, XXXX XXXX failed to respond. My investigation uncovered that her pattern of opening various unlicensed businesses and misrepresenting qualifications may be impacting other individuals in the XXXX XXXX XXXX XXXX communities. Her actions highlight not only a disregard for legal requirements but also potential harm to others in these communities who may unknowingly engage her services.
Product: Credit card or prepaid card

XX/XX/2023 I SUBMITTED I CONTACTED BANK OF AMERICA TO ADVISE THEM THAT I DIDNT NOT RECEIVE ANY OF MY BENEIFITS ON MY XXXX UNEMPLOYMENT CARD. I NEVER RECEIVED A CARD BUT I RECEIVED A W2 FORM THAT STATED I HAVE RCEIVED XXXX IN BENEIFITS WHICH I NEVER DID. BANK OF AMERICA FILED A CLAIMED ON MY BEHALF XX/XX/2023 TO INVESTIGATE THE FUNDS. 10 DAYS AS GONE BY AND BANK OF AMERICA HAS NOT ABIDE BY REGULATION E THAT STATES AFTER THE XXXX DAY IF THEY HAVE NO CAME UP WITH A DECISION THEY SHOULD CREDIT MY ACCOUNT WITH A PROVISIONAL CREDIT OF THE AMOUNT IN QUESTION AND YET THEY ARE TELLING ME TTHAT I DO NOT QUALIFY AND THAT REGULATION E DOES NOT APPLY TO THEM. 5-6 CLAIM MANAGEMENTS THAT IVE SPOKE TO SAID ALL OF THE SAME THINGS WHEN ITS THE LAW TO PROVIDE PROVISIONAL CREDIT AFTER THE 10TH DAY OF FILING THE CLAIM AND NOW IM GOING THROUGH HARDSHIP WHICH I EPLAINED TO THE COMPANY BUT YET THEY SEEM TO NOT CARE TELLING ME I HAVE TO WAIT TIL XXXX 2023 TO RECEIVE ANY UPDATES DUE TO I HAVE NOT RECEIVED ANY UPDATES SINCE I APPLIED AND NOW IM HAVING HARD TIMES. I ATTACHED A WRITTEN AFFIDAVIT AND POLICE REPORT TO GET THIS PROCESSED MOVED FOWARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I entered into an unsecured loan with XXXX XXXX of XXXX WI for the sale and installation of an inground pool. XXXX XXXX determined that I didn't have enough equity in my home to qualify for a home equity line of credit for the project so the offered an unsecured revolving line of credit. In XX/XX/2019 without my cause and without notifying me XXXX XXXX placed a lien on my home in XXXX XXXX Texas. XXXX XXXX still continues to report the debt as an unsecured debt to the 3 major credit bureaus despite securing the debt with real estate. The loan should have converted to home equity line of credit allowing me to deduct the interest on the interest of loan. My former spouse is still on the title of the property she was not notified of a lien or judgement placed against her interest. This lien places my former spouse and I in an economic disadvantage regarding the ownership of our home.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against C

ash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Additionally, their dispute resolution process was unfair and deceptive. Cash App did not comply with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and its regulations. Their actions have caused significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.
Product: Credit card or prepaid card

Paid off {$2500.00} balance in full by due date. Next statement had interest charge of {$48.00}. I called to ask for it waived and they refused. I have NEVER had an interest fees waived on this account in the 3 years I had it. I was never late and they are retaliating against me for paying off the balance. Today, XX/XX/18 I called and closed the account and refused to make interest payment of {$48.00}. They threatened me with collections if not paid. I know you can not charge interest on interest or report late payment for interest only balance. I will not pay the remaining balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is pathetic to say the least. Ive had a BANK OF AMERICA closed account report inaccuracies all across the board. One of the main issues is they are consistently changing the first date of delinquency and last date of delinquency. Every time I dispute, Bank of America changes those dates to their liking. Causing this account to stay on my report longer. This account should have been removed last year in XX/XX/XXXX XXXX and XXXX took notice to this unethical behavior and have now deleted this account. XXXX  is the only bureau that wont do their job ethically.