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

Someone accessed my online Chase checking account and opened a fraudulent checking account under my name. This account was created in New York in XX/XX/2021, had correspondence sent to NY, and was hidden from my online banking homepage, so I was not aware it was opened. My address was changed to a NY address. I live in Florida and did not visit or authorize anyone in NY to do this. In early XX/XX/2021, I received a text to confirm if I had made a purchase. I replied " no '' and was told by the automated text reply I had already replied when I had NOT. This prompted me to login to my Chase account. This person fraudulently transferred {$5800.00} into the hidden account. They then withdrew {$3000.00} and then an additional {$1000.00} in NY as well as {$25.00} and {$12.00} withdraws. They then went to a XXXX XXXX in New York and spent {$1300.00}. I DID NOT AUTHORIZE ANY OF THESE PURCHASES AND DID NOT WITHDRAW FROM THE ATMS. I WAS IN FLORIDA, WHERE I LIVE, AND THESE FRAUDULENT CHARGES OCCURED IN NEW YORK. I called Chase and have done so multiple times since this occured and they have been no help. I went to multiple Chase banks to speak with advisors and little progress was made. I have been going to the bank to work on this since XXXX. Their staff has been of little help. I filed a police report which is attached. 
I have spent nearly two months now at Chase and on the phone with their customer service to no avail. Chase informed me their investigation showed no fraud occured. I appealed this, as fraud did occur. I had money stolen from me and DID NOT MAKE THESE TRANSFERS INTO AN ACCOUNT I DID NOT OPEN OR AUTHORIZE. On a letter dated XX/XX/2021 Chase informed me that my appeal had been denied. This is wrong. I never authorized the fraudulent account to be opened and had my money stolen from me due to Chase 's negligence of letting a criminal open an account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW! To Whom It May Concern : I would like to say. that TransUnion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may Furnish a consumer report in accordance with the written instructions of the consumer. I the consumer living person never gave TransUnion any written consent to report anything on my consumer report. No consent is identity theft. I have listed the accounts below and I demand you remove these inaccuracies of my consumer report. If they are not removed I will not extend my credit to anyone or allow TransUnion to furnish my report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to ben furnished on my consumer report it has caused me to lose confidence in the banking system. If TransUnion wants to continue doing business with me, it should delete the inaccuracies off of my consumer report below immediately. XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX AXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Cease and Desist from reporting these accounts on my consumer reports now and one hundred years from XX/XX/2022. Sincerily, XXXX XXXX
Product: Debt collection

CBSA  has been trying to collect {$4200.00} for   XXXX   XXXX   XXXX   this item does not belong to me. I do not have a bonded signed contract with  CBSA  I am not liable for collection of this debt   XXXX   XXXX   XXXX  . I am not responsible for this debt. Please provide valid evidence of signed contract between  CBSA  and my self to validate account.
Product: Credit reporting or other personal consumer reports

XXXX card, {$21000.00} credit limit, past due 120 days+ XXXX {$14000.00}, I am the victim of identity theft with XXXX  card services. XXXX opened a credit card under my name and SS number without my approval. The fraud was committed by a person with a California address and I have never lived in California. I have provided identity information to confirm who I am and filed a police report. XXXX has not communicated with me and has taken NO ACTION. This was first reported to XXXX in XXXX and they refuse to remove the information. I have tried to communicate with XXXX and have left email address and phone numbers but they never respond.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns, regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. 
Despite using Zelle numerous times and reporting discrepancies, my XXXX XXXX, and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to to exploit, the system, leaving users vulnerable to scams. The lack of accountability and transparency is unaccountable and raises serious concerns about customer safety
Product: Mortgage

I filed for XXXX XXXX bankruptcy in XXXX of XXXX. My mortgage is set up on direct payment and is NOT paid through bankruptcy. I subsequently lost access to my online account through the mortgage company because I filed bankruptcy in order for them to comply with the Automatic Stay. I am required to either call the bankruptcy department to make my payments or mail them a check or bill pay payment. There have been multiple where I have tried to call and make my payment but they were closed. They will not let me make my payment through any other servicing option since I am under bankruptcy. My boyfriend is also on the mortgage and he is not tied to my bankruptcy at all but still can not have access to the account because of their " company policy ''. I spoke with two different people today XX/XX/XXXX and they informed me that their " company policy '' is that my account will be blocked until they receive a discharge letter from the bankruptcy courts and there is nothing else they can do about it.
Product: Credit card

On XX/XX/XXXX I notified ASPIRE that I have been a victim of identity theft and the fraudulent account being furnished on my consumer reports must be removed immediately. On XX/XX/XXXX ASPIRE responded with a refusal to comply with my instructions, the FCRA, FDCPA and my consumer rights. This is my 2nd attempt instructing you to remove the fraudulent account you have furnished on my consumer reports without my consent which is unlawful pursuant to the FDCPA, defamation of character and a violation of 15 U.S.C. 1681s-2. Be advised that an employee looking at their computer screen, seeing my name, address and/or other personally identifiable information listed in their database is NOT verification or validation of any alleged debt ( s ). Validation of debt is competent and valid evidence that I have some contractual and lawful obligation to pay you. Please note, a copy of the consumer credit contract is not sufficient to validate a debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, Id like to inform you that you may be liable for your willful non-compliance as per FDCPA 807. You may be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for damages, costs and attorney fees should legal action become necessary.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents. XXXX kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Checking or savings account

I was banking with Regions when I made a purchase on XXXX from my business checking account on XX/XX/XXXX. I returned some products to XXXX but only after that checking account closed. I tried my hardest to get XXXX to refund me a different way but nonetheless they refunded {$960.00} and {$800.00} on XXXX XXXX. 
Currently the date XX/XX/XXXX and Regions Bank nor XXXX have any idea where my funds are. This is a total of {$1700.00}. I have been to several Regions Bank locations and spoken to many representatives on the phone. Finally one person said they saw the transactions but she could not do anything. It has been months and I have been at a loss. Please Help!!! Regions keeps sending me back to XXXX and XXXX keeps saying the money hasnt been returned. 
Also, both parties say if I have an account the money will just find its way into the account. I still have a checking account with Regions and this phenomenon did not occur. I need assistance!!!
Product: Payday loan, title loan, or personal loan

I wanted to bring your attention to an issue with Bank of America ( BOA ) who is taking advantage of small businesses during the pandemic through the PPP loan forgiveness process. 

I am a sole proprietor small business in XXXX who is being required to repay a portion of my PPP loan that was " overfunded '' by Bank of America due to their own oversight and mistakes and then changing their rules between loan origination and the application for forgiveness. 

BOA broke the SBA PPP rules at loan origination and approved a loan amount that exceeded the allowable maximum. On XX/XX/XXXX BOA dispersed their approved loan amount of {$27000.00}. At the time of forgiveness application, BOA fixed their calculation error from XX/XX/XXXX and will now only approve partial of the loan and I must repay the {$6800.00} portion that BOA overfunded even though those funds were used for allowable purposes. 

After talking with BOA many times since XX/XX/XXXX, I was finally told that I would be unable to request full forgiveness as their process does not allow me to actually request a forgiveness amount that is greater than what they have determined to be forgivable nor have they allowed me to submit documentation to prove that all funds were used for allowable forgiveness purposes. In a conversation with XXXX in XXXX, AZ from BOA on XX/XX/XXXX, he said that Bank of America was unable to review information from loan origination because that was in the past and they are now just following SBA rules for forgiveness. He said there was no one at Bank of America that I would be able to talk with to address the BOA mistake at loan origination. 

Bank of America has opted out of the SBA direct forgiveness program and does not have an appeals process in place to allow for additional review of documents or to address their clear and obvious errors on their part during the SBA PPP implementation. I was forced in XXXX to submit a forgiveness application for only {$20000.00} or I would face repaying the entire loan amount. That forgiveness application is currently in review by the SBA. 

In conversations I have had with the Small Business Administration on XX/XX/XXXX it was revealed that Bank of America had actually changed the original loan amount that was sent to the SBA for final approval. The SBA records show that BOA submitted information for final review showing that the loan was for {$20000.00} and Bank of America had granted full forgiveness for the loan, when in fact I still allegedly own them {$6800.00} due to their miscalculation at loan origination. Bank of America falsified information it submitted to the SBA for final review and the SBA has no clue that the loan was not full forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to request my Experian credit report on XX/XX/2018 from XXXX. Received this error : A condition exists that prevents Experian from being able to accept your request at this time.
Product: Credit card or prepaid card

After a call about faulty autopay features and a hopeful resolution, the company once again disabled my autopay and a {$30.00} total balance accrued a 70 dollars in late fees without any notice. I believed the entire card was paid off but only got notice after two billing cycles that there was a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of your report ( shared without consent, credit inquiries from unknown sources ) TransUnion XXXX  XXXX XXXX ( Original Creditor : CITY OF XXXX FL ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXX XXXX ) BALANCE : {$150.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1600.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX XXXX BALANCE : {$130.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX XXXX BALANCE : {$920.00} STATUS : DEROGATORY ACCOUNT # XXXX**** XXXX XXXX XXXX BALANCE : {$0.00} STATUS : PAID ACCOUNT # XXXX** TransUnion XXXX  XXXX XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT XXXX XXXX** TransUnion XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX**** XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX**** TransUnion XXXX  XXXX  XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX**** Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX XXXX XXXX XXXX Finance Reseller XX/XX/2018 TransUnion XXXX XXXX Finance/Personal XX/XX/2018 XXXX XXXX XXXX - XX/XX/2018 XXXX XXXX XXXX XXXX  Bank Credit Cards XX/XX/2018 TransUnion XXXX XXXX Bank  XX/XX/2018
Product: Debt collection

Account Details Last Reported XX/XX/2018 Collection Agency PHNX FINAN Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/2018 Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1600.00} Remarks Placed for collection Creditor Contact Details PHOENIX FINANCIAL SERVIC XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX I thought my insurance paid. I never heard anything until I received an alert from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from 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
Product: Bank account or service

I was the victim of scam. I unknowingly deposited a fraudulent check into my account and withdrew the amount. Once I realized it was a scam I immediately noticed USAA about the situation and filed a police report. USAA then banned me from their services except to pay back the sum of the fraudulent check. I can no longer access my accounts online or otherwise.
Product: Checking or savings account

My account ending XXXX was closed. I told the bank someone was accessing and taking money out of my account. A dispute was open and so forth. I got my money back.Wells Fargo said they were going to closed my account and to withdraw my money. So I wired my money to XXXX  XXXX XXXX. Comes to find out Wells Fargo reported a transaction as wire fraud from a Wells Fargo saving account on XX/XX/XXXX. I never opened a saving account at Wells Fargo. Due to this information. XXXX  XXXX XXXX blocked and closed my account due to the information Wells Fargo had provided. XXXX  XXXX XXXX said I had to contact the issuing bank Wells Fargo for a wire recall in order to get my money back while they hold it. Wells Fargo said that cant do anything because the account is closed. I called and called but no one can help. Everyone is so oblivious one time I was transfer over 15 times and took over an hour. No one can find a solution, now when I call it says your call cant be completed at this time and hangs up. Its like my phone number was blacklisted. I have {$6500.00} that XXXX cant access because Wells Fargo doesnt want to contact XXXX  XXXX XXXX and tell them that the funds are legit and no error has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} ; XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  Inquired on XXXX XXXX, 2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I incurred a charge off account with  XXXX , it was turned over to collections to  XXXX .This account is showing on my credit report as being open, it was closed in   XXXX .This co mpany is adding interest in to this account, to increase the amount on my credit report to further damage my  credit score. T he beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old paid collection on my credit report and called the the collection agency, XXXX XXXX on XX/XX/22 and they agreed to delete the collection from all 3 credit bureau. XXXX and XXXX have removed the collection. It was removed from the Experian file I was looking at on MyFICO but it has reappeared on my file when I look at the Experian Site. I have disputed the account again directly in XXXX, XXXX with the supporting letter from the collection agency requesting a deletion and it still has not been removed. I have also followed up with XXXX XXXX and they have sent the request now XXXX to Experian XX/XX/22, XX/XX/22 and again today. I have spent hours on the phone with on multiple occasions and can't get anywhere with them. Credit file number from Experian that I pulled today Report # XXXX where it is still showing.
Product: Checking or savings account

I was incarcerated and had someone cash a check for me XXXX party. The bank cashed the check. They never issued the XXXX  party the money and flagged the check as fraudulent and closed his account. When I was released I went into the bank with proper identification and had put the bank in contact with the issuer of the check. They are refusing to release the money to me and I am at a stand still. I am no longer in contact with the XXXX  party and it's my understanding they are no longer involved. I am getting nowhere. The check was issued in XXXX of 2023. I feel I need to add the person I had try to cash the check for me. XXXX XXXX. The check was from XXXX XXXX XXXX company and it was my inheritance from my XXXX who passed away.
Product: Credit card

On XX/XX/2023, I was approved for a Wells Fargo XXXX XXXX credit card. Part of the new card offer included said if I made at least {$3000.00} in purchases within XXXX  months I would get XXXX bonus XXXX XXXX points. I made over {$3000.00} in purchases by early XXXX, 2023, less than XXXX months since approval. Terms of the card offer stated I would receive the XXXX bonus points within XXXX to XXXX billing statements of meeting the spending threshold. By the nearly the end of XXXX, 2023, I still had not received the XXXX bonus points. So I called Wells Fargo and spoke to XXXX different departments, each having no idea what to do with my concern. Some departments had never heard of this XXXX XXXX Wells Fargo credit card. XXXX departments transferred me to XXXX XXXX which has nothing to do with Wells Fargo 's credit cards. XXXX departments said I should get the XXXX bonus points but they were not sure why there were not posting correctly. Finally I was transferred to the Executive Department of Wells Fargo. They did an investigation and told me via phone on XX/XX/2023, that my purchases violated the terms and conditions of the credit card, claiming all of my purchases were pre paid gift cards which are excluded from earning XXXX XXXX points. I appealed to the supervisor of this department and told them to look at my purchases on each statement and they could see I did not buy any prepaid gift cards. Prepaid gift cards are reloadable XXXX XXXX XXXX gift cards. I did not buy ANY prepaid gift cards with this credit. Some of my purchases were retail gift cards, which are not excluded purchases. In fact, all of my purchases already earned regular XXXX XXXX points on my account, just not the XXXX bonus. The supervisor reviewed my statements and agreed with me that I did not violate the terms and none of my purchases were prepaid gift cards. A second investigation was opened on XX/XX/XXXX and I was told to wait XXXX to XXXX business days for resolution.