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

Subject : Chase Bank Wrongfully Denied Fraud Claim Unauthorized Wire Transfers ( $ XXXX ) Dear CFPB Review Team, I am filing this complaint because Chase Bank has wrongfully denied my fraud claim for unauthorized wire transfers totaling $ [ XXXX ] on XX/XX/XXXX and XX/XX/year>. Despite my immediate report, Chase is refusing to refund me, claiming : The OTP ( one-time password ) was sent to my phone as they mentioned The IP address matched my usual location. 
However, I did not authorize these transactions, and Chase failed to properly investigate the fraud before denying my claim.

Key Issues with Chase 's Decision : 1 Unusual Transaction Pattern These transactions are not part of my usual spending history. Given the high-value wire transfer ( $ XXXX ), Chase should have flagged these transactions as high-risk and required additional verification ( e.g., phone call or security hold ) before processing them.

2 Possible Account Compromise Even though the OTP was sent to my phone, I am investigating whether my device, account, or phone number was compromised through malware, SIM hijacking, or unauthorized access. Chase has not provided a full forensic analysis to rule this out.

3 Failure of Chase 's Fraud Detection System Chase should have recognized these transactions as high-risk and prevented them. Under federal consumer protection laws, banks are required to protect customers from fraud.

4 Denial Based on Third-Party XXXX Report Chase claims their decision is based on a XXXX XXXX XXXX report XXXX However, I have requested this report and believe it may contain inaccurate data or incomplete analysis.

5 Request for Chase to Provide Full Fraud Analysis Report I have repeatedly asked Chase to provide : A full fraud risk analysis including geolocation, device details, and internal fraud scoring. 
The exact method of OTP delivery logs ( SMS, push notification, email ). 
Documentation on why these transactions were not flagged for extra verification given their unusual nature.
Product: Credit card

Dear CFPB, I am submitting this formal complaint regarding a fraudulent credit account that was opened in my name with XXXX XXXX  Card Services. Upon discovering this fraudulent activity, I disputed the account. As a result, XXXXXXXX XXXX confirmed in writing that the account would be closed and removed from my credit report. 

Despite this confirmation, I have continued to receive multiple emails and phone calls attempting to collect on this fraudulent debt. Each time, I have provided the attached letter from XXXXXXXX XXXX verifying that the account was fraudulent and should not be pursued. However, I am now facing legal action from an attorney representing this debt, who is threatening to garnish my wages. 

The following laws are applicable to my case and should be enforced : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) Ensures the accuracy and privacy of consumer credit reports. Under the FCRA : I have the right to dispute inaccurate information on my credit report ( 1681i ).

The credit reporting agencies and data furnishers are required to remove fraudulent accounts once they are identified ( 1681c-2 ). 
The continued reporting of a fraudulent account may be considered a violation of my rights.

Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) Protects consumers from abusive debt collection practices. Under the FDCPA : Debt collectors can not attempt to collect a debt that is not valid ( 1692e ).

It is illegal to use false or misleading representations in connection with debt collection ( 1692e ( 2 ) ( A ) ).

The threat of wage garnishment on a fraudulent debt may be considered an unfair and deceptive practice ( 1692f ).

Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531 et seq. ) Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) in the financial marketplace. The continued attempts to collect a fraudulent debt may violate the CFPAs prohibition against unfair collection practices.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Criminalizes identity theft and fraudulent use of another persons identifying information. Since this account was fraudulently opened in my name, I request that this matter be further investigated as a potential identity theft violation. 
I am attaching all relevant documentation, including the letter from XXXX XXXX  confirming the accounts closure. I request that the CFPB take immediate action to : Ensure that this fraudulent account is permanently removed from my credit report. 
Stop all collection attempts and legal action against me regarding this debt. 
Investigate and enforce penalties against any party violating federal laws. 
Please confirm receipt of this complaint and provide information on the next steps to resolve this matter. I appreciate your prompt attention to this urgent issue.
Product: Credit card

XX/XX/2023 When i was booking a flight on XXXX XXXX a promotion posed up for an Advantage Citi Card. If approved I would receive uo to a {$200.00} Statement Credt, as well as, XXXX miles in addition I would be able to check a first bag at no additional fees on domestic flights. 

I opted to apply for this offer, was approved, and a temporary number, expiration date, and, Security Code came up On the screen to use when booking my flights. In addition, I had received an email informing me I was approved. 

I returned to the booking flight, filled out the information, and, when I got to payment, I went back to the page with the card details, which, unfortunately had timed out by then, and the information was no longer available. I loged back onto the account, but, it would only show my other Citi card account, not the new one. I contacted Citi Customer Service, and was told that the number I was initially provided did not exist, and they could not help me. I asked to speak with a supervisor, but, the call went silent, although, it did still appear to be connected. 

I made another call to Citi Customer Service, and this time, it seemed that they could see I had been approved for a new account. I was asked for a code word that I had just provided during the application, and answered it correctly. I was put on hold several times, and they did not seem to be able to assist me. Once again, I asked to speak with a Supervisor. The Representative seemed reluctant to transfer me to a supervisor as i had to ask 4 times before being transferred. At the time I was transferred, I was placed on hold for10-15 minutes before being able to speak to aSupervisor. Once I spoke with the Supervisor ( Someone who identified themselves as XXXX XXXX, she determined that there was nothing that could be done, until I received my card in XXXX days. She did offer a {$100.00} statement credit for my inconvenience. Mentioned that was less than the {$200.00} credit promised, and, there was no accommodation for the promised miles, nor, the miles for the pending purchase. 

I spent almost 2 hours in my attempt to have this issue resolved, and it seems to me as I should be able to receive the {$200.00} statement credit, along with the miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report about XX/XX/2021 XXXX  found a collection account from XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX I did not recognize. I sent XXXX a letter on or about XX/XX/2021 XXXX  dispute the information asking for them XXXX  provide me physical verification including any signed contracts that these debt belongs XXXX  me XXXX that all information was correct, XXXX  date they have only sent me a generic letter stating it was verified XXXX  updated with a different dollar amount. On or about XXXX I sent another letter demanding verification XXXX  received the same response about XX/XX/2021. On XX/XX/2021 I noticed the account number changed after all the the previous letters of verifications XXXX  updates I again sent another letter asking for an explination XXXX  documentation for the accounts in question on XX/XX/2021 XXXX  1 account was updated XXXX  XXXX XXXX ( XXXX XXXX XXXX ) was deleted on or about XX/XX/2021. I reviewd my credit report again on XX/XX/2021 an noticed the XXXX collection ( XXXX XXXX XXXX ) account had been added back XXXX  my credit report without any acknowlegement from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$420.00} XXXX, XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$300.00} ) XXXX XXXX XXXX  ( Account # : XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$560.00} ), XXXX XXXX XXXX ( Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$9000.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I disputed these transactions with XXXX XXXX  as I dont have a signed contract with them or have I ever. I requested proof of my signature on a contract with them and they did not provide me with anything. They removed only from XXXX credit bureau not all XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL 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
Product: Vehicle loan or lease

Hey im XXXX XXXX, I purchased a car for XXXX down. had the car for just over XXXX months. I then painted my vechile and with out noticed the carlot came to pick it up. at first they said I was behind and needed to pay XXXX to have the car return to me and my bill is only XXXX a month. I was willing to pay that but then we started the process and then they said I needed to pay the car in full ( XXXX ) before they can return the car. the car was not emission tested and wrecked and I had no knowledge of this. if you are not busy you can email me or call me at XXXX for more information
Product: Debt collection

My credit report has some fake accounts that are harming my credit score.
Product: Mortgage

I had a problem with my hazard insurance earlier this year. M & T Bank said they resolved the issue by refunding my money. I just received a notice from M & T Bank that they are AGAIN trying to put hazard insurance on my account.
Product: Debt collection

Credence Resource Management LLC contacted me via mail on XX/XX/XXXX with an Account Notification on behalf of XXXX XXXX XXXX XXXX ( creditor ). They stated the creditor authorized their office to accept a payment of {$200.00} to resolve an account for less than the full amount owed, savings of {$240.00}. I contacted Credence via phone on XX/XX/XXXX stating that this outstanding amount is not my responsibility. From XXXX to XXXX I worked for XXXX  XXXX  that was the primary account owner of the XXXX XXXX XXXX mobile corporate account for all employees. My existing cell phone number was ported into this corporate account which then was billed to the company address and paid monthly by the company, which additionally purchased and owned the devices. I was terminated from the company in spring of XXXX, the company sold the entire business two weeks later. I to get the company owners to authorize XXXX XXXX XXXX to port my number back to XXXX which was a new personal account for me in spring XXXX after leaving XXXX  XXXX. The device was returned to the company after they authorize the port of my cell number. I was never responsible for any financial responsibility on this account. The company no longer exist.
Product: Debt collection

The previous page where you could categorize what they were doing they were doing all of those things they threatened to Sue me and said they will be serving me with a summons either at my work or home, they also called family and friends they had not sent me a letter they had been calling and harassing me after I had told them that the debt had been paid. This all originated in XX/XX/XXXX I had a 5/3 account I never used and it was overdrawn by {$1.00} and I was never contacted by the bank so they waived all but 1 of  the fees and I paid {$26.00} to bring the account to XXXX and I closed the account. Fast forward to XX/XX/XXXX when XXXX XXXX firm contacted me and said I owed {$210.00} for the 5/3 account and with it being 9 yrs later I had no proof that it was paid so I ended up paying the {$210.00} and received a paid in full letter. Then Friday XX/XX/XXXX I received a call from XXXX XXXX XXXX. This was the first time I spoke with or ever heard anything from this company no letters no nothing and when I heard it was for the 5/3 account again and they were looking to collect over {$450.00} I was not happy. I told them the debt had been paid and I would find the documentation on Monday XX/XX/XXXX. After I received a call from a private number on Monday XX/XX/XXXX that I did not answer I got phone calls from my brother, my dad and my fiance saying this place was calling for an account I owed on. They left threating messages on my voice mail and my fiance 's saying that they will be coming to my house and or work and will be proceeding to sue me. So now I have had my credit score beat up, the embarrassing conversations I had to have with the people they were contacting and so on.
Product: Mortgage

On XXXX XX/XX/XXXX, I received a letter in the mail from American Pacific Mortgage stating that they did not receive my XXXX mortgage payment. I immediatley called them and advised them that I paid my XXXX mortgage payment on XX/XX/XXXX. They told me to email them by bank statement showing that the money was deducted from my account, which I did while still on the phone with them. They told me they would review it and send me a letter in the mail regarding their findings. I asked that they please call me back as I was obviously concerned. 

I waited a couple of days and called them again on XX/XX/XXXX, I told them I needed to make my XXXX payment but I was concerned about paying online again because they had lost my previous month 's payment. They agreed to take a phone payment for my XXXX mortgage, I also asked if they had credited my payment for XXXX yet, they said that the review was still with their " research '' team and they legally had until XXXX to get back to me. I told them I was concerned about my credit score and about the late payment fee that they charged me. They said not to worry that they would not report anything negative against my credit score. In the meantime, I had sent them 3 emails asking if they had received my bank statement ; they never responded to any emails. 

I called back again on XX/XX/XXXX ( which according to them was the legal amount of time they had to research ). After being told the matter was still not resolved, I asked to speak to the customer service supervisor. The supervisor told me that they had my XXXX payment because it was paid on XX/XX/XXXX. I told him that the XX/XX/XXXX payment was for XXXX and gave him the back story of them losing my XX/XX/XXXX payment. The supervisor then transferred me to his supervisor. The supervisor 's supervisor said they had found my missing payment but it was with their cash deparment and had to be posted by them. He said he was escalating the situation and said it should be resolved by the next day ( which would be past the legal time limit ), he also reversed the late fee they had charged me. 

I reviewed by account online the next following days and still did not see my missing payment being refelcted in my statement. I called them back on XX/XX/XXXX and once again spoke to a supervisor. The supervisor told me that they were very far behind right now and I had to wait 24 hours so they could email the cash deparment. I told the supervisor that the last supervisor had told me he escalated it and it would take 24 hours on the 9th and by this point it had been 72 hours. She said she would email them again. I asked if she could please take ownership and call them. She said that they do not have a phone number to the cash deparment. As of today XXXX XX/XX/XXXX XXXX American Pacific has still not posted my missing payment. 

I have spent several hours calling American Pacific and asking them for a resolution and still have nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After notification of an account being opened at Bank of America ( in my name ), I called BofA and was told that the fraudulent account was closed ( based on my complaint ). I was then given information about contacting XXXX who ( through automated voice ) directed me to http : //consumerfinance.gov. I assume the fraudulent account was closed ; but now I would like to FREEZE my information available at XXXX ( I was told that verification at XXXX was the way that this fraudulent account was approved ). I have previously ( more than a year ago ) placed a FREEZE on my information at XXXX, XXXX, and XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted a dispute for the charge on XX/XX/XXXX from the XXXX XXXX in the amount of {$110.00}. Included with the dispute was an email from the XXXX XXXX informing me the hotel canceled my reservation. This should have been more than enough evidence proving I did not receive services and should not have been charged. 
on XX/XX/XXXX way beyond the allowed timeframe allowed to investigate and resolve this dispute, Chase sent me a letter stating they believed the merchant provided the services paid for, even though they were in receipt of a letter from the property stating otherwise. 
Thus not only was Chase in violation of 15 United States Code 1666 Correction of Billing Errors statute, they obviously never even investigated the dispute which the hotel directly admitted was an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I took out a loan with XXXX, it was then written off. 
I then got a voicemail today, XX/XX/XXXX that someone was trying to give me documents and I need to make arrangements. I called the number back and they said they are going to sue me for two counts because of XXXX. 
The number they called from and which I called back is XXXX, they recorded my conversation without notifying me and never gave me the required legal message that they are attempting to collect a debt.
Product: Credit reporting or other personal consumer reports

Please remove these items from my credit report 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 {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Im a new american express gold holder and purchased a flight through their travel website. 
I wanted to change my return flight and called american express travel. The agent claimed she had an issue accessing their system and told me she would call me back to comfirm the change and fees charged. She never called back nor sent a confirmation email with the change and a week later, I call them again to change my ticket, the agent nevet told me that the other one already changed it and she still gave me my initial return date as if it was never changed. I asked her to change the date and she did and charged me thhe fee. A week later, I find out that the fee was charged twice and that the first agent who never confirmed the change did it already. I called AMEX to help me dispute this charge, and to my surprise they refused claiming that the first agent called me a left a VM. This is ridiculous, because I never received a VM and this not the professional way ofconfirming such change, besides I never received a confirmation email. Furthermore, the second agent should have informed me of the change and not confirm that my flight was still leaving the initial day I wanted to change. This is obviously a FRAUD allegedly committed by Amex because the travel agency is affiliated with them. They still refuse to refund me the first fee when their agent ( all from overseas who dont seem trained ) messed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires all reporting agencies to follow up and investigate those inquiries in question or delete. 

XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX ; Date : XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX  ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXX