23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My dad died last XXXX, and Chase locked his accounts last XXXX. Since he didn't have a beneficiary named to his accounts ( though we begged him to, even after we knew he was XXXX ), I was told to go through probate and file a small estate affidavit. After confusion over where to start and delays in the court, I got the affidavit approved on XX/XX/2024 and send it to Chase on XX/XX/2024, as well as my dad 's death certificate, to start closing his accounts and transfer the funds ( grand total of nearly $ XXXX ) into my account. 

But ... ..Chase has XXXX every step of the way. 

Inside XXXX weeks, here are all the mistakes they made : - Couldn't find the page that had the judge 's approval of the affidavit ( contacted on XX/XX/2024, learned it the affidavit was approved on XX/XX/2024 ) - Chase forgot they needed approval to take the holds off the accounts and the banker says they'll call and start the process to transfer the funds ( XX/XX/2024 ) - Missing a phone meeting to start transfering the money ( XX/XX/2024 ) - Not returning any of my calls when I'm asking for updates ( associate, banker, branch XXXX, and now private client ) ( XXXX XXXX XXXX XXXX - And now, they're saying there was a glitch so I have to submit all the paperwork and start the process all over again, which could take another week ( XX/XX/2024 ) A process that should've taken XXXX days has taken XXXX weeks now. XXXX weeks, and no progress. I've called Chase XXXX XXXX XXXX, and they confirmed multiple times that they have everything they need and everything 's been approved. But the private client person we talked to yesterday said, " No, we still have to go through the process of approval. '' Even after we told them to call Chase XXXX themselves and see everything has been done. 

I have my case number, and the branch XXXX 's card so I know who needs to be blamed here. Especially when he was the one who wouldn't even return a single XXXX of my phone calls. 

Case number : XXXX Chase Bank XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Chase Estates XXXX
Product: Debt collection

The following agency Enhanced Recovery Corporation is not bonded in the state of Texas, therefore can not legally collect debit. Please remove from my credit report and confirm this debit is not owed.
Product: Checking or savings account

I transferred money from a money market and two savings accounts located at Synchrony Bank on XXXX XXXX to an external account. I spoke with a rep on XXXX XXXX to verify I made the transfer request. My money left Synchrony on XXXX XXXX possibly the XXXX but was not in my external account. I spoke with a rep on XXXX XXXX inquiring about the transfers and where was my money. XXXX ( rep ) assured me my money would be in external account on Friday. On Friday my money was back at Synchrony so I called and spoke with XXXX again. XXXX needed to speak with a supervisor so I asked to speak with supervisor instead. I spoke with XXXX ( female ) who explained the bank made an error and offered me a free wire transfer, she assured me my money would be in the external account on Friday. XXXX informed a wire transfer would be much faster and safer than an account to account transfer. As of today, Monday XX/XX/XXXX I still do not have my money. I spoke with XXXX and XXXX and neither could give me a reasonable explanation other than it needed to be verified. XXXX informed he did not know when my money would come. The external account is an account Synchrony receives money from every two weeks. I transferred money from the external account into my Synchrony account Saturday and I have a record it left the external account today. There is no reasonable explanation of me not having my money.
Product: Credit reporting or other personal consumer reports

I have been dealing with the consumer reporting agencies about aggravated identity theft. Reporting unauthorized information to any consumer report is fraudulent and a violation of both state and federal laws. I am here on the cfpb to make this issue be known. I did not provide the companies referenced in the attached letter with consent to share my credit card ( ID, SSN, etc ) or any other nonpublic financial information with another entity and I did NOT give the consumer reporting agencies [ XXXX, Equifax, XXXX ] expressed written consent to report the information. This concludes to IDENTITY THEFT. I am demanding that this information be blocked. The accounts are also noted below : XXXX. 
XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

A collection agency is trying to collect a debt from me for an address that I never lived at, for XXXX XXXX XXXX, a product I have never had. I own the property surrounding the address but I do not live there nor have I never lived there I simply own the XXXX XXXX XXXX around it. They claim I owe {$610.00} to a company called XXXX XXXX  who has purchased the debt from XXXX. In addition to the debt being charged off it as well past the statue of limitations to collect it. I have responded several times to this company telling them I do not owe the debt it is for someone else and I've never lived at this address and they will not listen. The name of the company is TrueAccord Corp. of Lenaxa, Kansas. I have tried several times to dispute this through their website with no success as all it does is brings up a black screen when I try to submit it.
Product: Money transfer, virtual currency, or money service

I recently received an email from coinbase letting me know know that my account may have been compromised and that I needed to update my password and such. I proceeded to do just that, but when I tried updating my password, it would not allow me to. Not only that, but I could not get into my account at all. I called that same night and inform them of what I was experiencing and they advise me to lock the account, which I did. The lady on the phone told me I would not be able to get back into my account until 24hrs after they send me a password reset link to reset password and upload some documents to show proof it was me. I did just that. The next evening I got into my account only to find out that almost all my assets were transferred -- I was hacked. I had over {$500.00} but was left with XXXX. I asked them what happened and they told me someone got ahold of my login and stole them -- also purchase {$300.00} bitcoin using card on file. I was advised to reset my password again, which I did, but they could do nothing to get my assets back. The next day I went back, additional assets were taken -- now left with {$17.00}. I inquired and I was told I should have made sure I secured my account and nothing can be done. Also, am now not able to trade because they want me to make a payment because the hacker tried making another purchase and it didn't go through, so am barred from trading until I pay for it. I was not offered any kind of help or solution -- just that nothing can be done and it's all on me -- even after they told me I was all set and secure after resetting my password and performing 2-step verification. This is second time I've had issues with coinbase where I was locked out of my account for months after someone tried hacking my account back then as well. They did not do anything until after I filed a complaint with XXXX  so am hoping they will do something after this complaint as well. The company failed to respond either to you or the XXXX XXXX XXXX to the complaint filed, and so the XXXX has closed the complaint. They referred me to you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed an apartment lease with my parents from XX/XX/XXXX until XX/XX/XXXX. My parents passed away in XXXX on XX/XX/XXXX and XXXX. I moved out on the last day of the lease. XXXX XXXX XXXX said I didn't owe money. However a collection debt in all joint names was sent to Nat'l Credit Systems acct no XXXX in XX/XX/XXXX for {$5000.00} from XXXX XXXX to reporting agency. I called them sent in the lease and death certificates for my parents. A property I applied at denied me residency due to this report. I disputed it through 3 bureau 's. The XXXX XXXX property I applied at denied my application before the dispute was announced. Which is still pending. I wasted {$100.00} app fee and a lot of time and was treated poorly for a clerical error. XXXX XXXX XXXX even went as far to not give me the application refund and told me even though my parents died and we were all clearly out the XXXX XXXX  by XX/XX/XXXX that I also absorbed their debt portion. Now I'm living in a hotel. Hopeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and I've reported this, however the 3 major credit reporting agencies has not responded accordingly. I've demanded that the following unauthorized accounts be blocked and removed from my credit file, or the 3 agencies shall provide me with the Method of Verification along with certified physical documentation relating to these accounts. In accordance with the laws of the FCRA these accounts shall be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) Dept of ED/XXXX {$6000.00} 5 ) Dept of ED/ XXXX {$3500.00} 6 ) XXXX {$1100.00} 7 ) XXXX XXXX XXXX {$240.00} 8 ) XXXX XXXX XXXX XXXX {$470.00}
Product: Debt collection

I have been getting phone calls from Lien Enforcement ( tha 's the name in the coller ID in my cell ) ( XXXX ) XXXX. They are looking for a person that is not related to me and is definately not found in my house or at my XXXX. I have asked them many times to remove my number but they hang up on me and continue to call. 

I advised them that I would be filing a complaint and their reply was to hang up on me. 

They have called me about 5 times in the past two weeks. 


Please help
Product: Debt collection

XXXX XXXXLVNV Funding LLC is emailing to attempt to collect a debt that is too old to be collected. They don't have any information on the account other than my name and email and 4 digits of the account. Additionally, they are acknowledging that they are not allowed to collect on this debt, but they are trying anyway. 

XXXX XXXXXXXX Account number XXXX Email states " The law limits how long you can be sued on a debt. Because of the age of your debt LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit agency. '' This was originally an account with XXXX XXXXXXXX XXXX XXXXXXXX. account number ending in XXXX. 

The current creditor is LVNV Funding LLC with an account number ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report my ID stolen. I was looking to buy a car this weekend and I pulled my credit report and found addresses and bills that do not belong to me. 
someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX , I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well
Product: Checking or savings account

Wells Fargo is not supporting or protecting me and my acct. I was the victim of fraudulent charges amounting to approx. {$4200.00}. Wells Fargo was alerted to the problem the same day I was made aware my acct was wiped out. Initial call to bank closed the affected card and identified the transaction and then was given a partial provisional credit while Wells investigated. 10 days later Wells says they are taking back the provisional credit and that they determined the charges appeared valid and closed the case. I called back and re-iterated that these were all fraudulent charges and that they need to be reversed. Wells states there is nothing they can do, they are sorry, and I need to call each individual vendor that made the charges. I even went so far as to do that, and only one reversed a charge ; all the others stated they could do nothing and that I just need to call the bank ( wells ) to make a claim. So Wells is not protecting me, indeed they are seemingly more interested in protecting the criminal. I have been a Wells customer for 30 years and this is how they handle my case. 
On XX/XX/XXXX I was charged 7 various charges totaling {$4100.00} One charge was for a " test entry '' of XXXX cent. followed by 6 out of pattern charges. This should raise a flag (? ) On the same day I made Wells aware, and the above timeline took place. To date i am out all but one of the charges, and Wells is refusing to assist. I also have XXXX  lock and monitoring, and they too will not assist in the identity theft stating that their service which i pay monthly for, doesn't include Debit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with all three credit bureaus and a CFPB complaint about a fraudulent loan where someone got ahold of my information and had a loan in my name. Experian continues to show late payments when even the loan company has charged off and written off the loan. And both XXXX and XXXX have removed the loan and Experian keeps adding it back after deleting it as well.
Product: Credit reporting or other personal consumer reports

I mailed in a letter asking TransUnion to provide information as to where they received information on a Bankruptcy showing on my credit profile. I asked them to provide the source or to let me know who provided that information to them. They opened a dispute and closed it saying it was verified. I never received any of the information that was requested. Bankruptcy XXXX XXXX Reference # XXXX
Product: Credit reporting or other personal consumer reports

Not reporting to CRA XXXX XXXX equifax
Product: Credit card

My account was hacked, in part due to me, but mostly Barclays for not providing multi factor authentication. As soon as I saw the thefts of my rewards money, I called them and talked to a guy who said this happens all the time. The hacker added a XXXX XXXXXX/XX/XXXXt money laundering card account. I had the guy take the account off and to close my account. He said I would not be able to recover the stolen funds if I closed the account, but he could lock the account and I would be safe. The next day more rewards were stolen and sent to the same XX/XX/XXXX money laundering account that was supposed to be off my account and it was supposed be locked. I called again, talked to a lady, she looked at my account and said what the guy told me didn't happen and my account was not locked and the XXXX XXXXXX/XX/XXXXmoney laundering was still on the account. I was furious and told her to close my account and redeem the remaining points as a statement credit. A week later, I received another money laundering card for an account with XXXX. I looked at my Barclays account, and it was not closed, and another {$4000.00} stolen while I was on vacation. I called again was on the phone for over an hour, I told them to flag my name and information and to never allow my information to be used at Barclays for any reason, and then I filed the first complaint with CFPB. 10 minutes ago I received a new card from Barclays, even though some lady from the presidents office said she was looking into my case. I don't know what to do now. I can't sue them, I tried to close my account, I tried to not let them use my information but I got a card over a week after all of the calls and complaints.
Product: Credit card or prepaid card

I have had an AMERICAN Express XXXX Skymiles card for just under 20 years. Last week I received via postal mail a letter stating my XXXX skymiles card was going away and I would be moved at not cost to me to the Gold card. The funny thing about the letter was it stated that the current card was free. I was pretty sure I pay {$50.00} bucks a year for a fee. Well today I get my monthly bill and sure enough I have a {$50.00} fee for annual fee. 

I decide to click on card options and the exact card I have is showing on the AM X web site while I am logged in as carrying NO FEE. 

I did an online chat and it only left me more confused as the agent told me that the no fee card was going away and starting next year I would pay the XXXX fee for the gold card. Yet the card I currently have is listed and shown exactly as mine available at NO FEE. So if I am being charge {$50.00} then it is not a free upgrade. I also understand that XXXX apparently made my card free last year yet they still charged the {$50.00} annual fee last year. 

I asked if all customers were paying for the free card and was told during the chat yes you are all be treated the same. 

I am pretty certain if you were to go to AM X and click on various cards and pull up the XXXX card you would also see that it clearly states NO ANNUAL FEE. So makes zero sense.
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by AMEX.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX XXXX : {$3300.00}
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX Equifax and insurance union immediately! 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request 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 : XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I 'm attempting to link my TD Bank account with my XXXX  account in order to purchase cryptocurrencies but I am being prevented from linking the two by TD Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of my multiple requests, again i want you to help me to remove these following items which are seems to be inaccurate on my credit file. 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. The following items are such an error on my file that needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have had an account for since XXXX and they closed my account due to my activity going against their terms of service. Ive contacted them numerous times to figure out what exactly it was, to get a response on, go over the terms of service and go from there. None of my activity went against their terms like they claim it did. Ive tried speaking to a hire up and they continue to dismiss me
Product: Credit reporting or other personal consumer reports

I requested proof of mortgage and provided statement to have added to my credit report. It was not corrected. XXXX was not removed either.
Product: Credit card or prepaid card

Hi good evening, So you would think with a credit card that has a limit of XXXX and is constantly being used for thousands of dollars in products with a quick payoff that NavyFed would take better charge of things. I called 2x telling Navyfederal that I was experiencing issues with the card declining my transactions for no reason at all. Their response was that I was inputting the card details wrong, blaming me and trying to indicate that I was an XXXX and at fault. I told them I never inputted any card details wrong and have always been using that card with all my transactions, they had no response for me. So I quickly requested a new card as I am in need of the card for everyday purchases and tired of the card declining with myself being blamed, lady on the phone said she will overnight me the new one after our call on XXXX. XXXX 2021, I called up today on XXXX XXXX 2021 asking the status of the card as I never received it, and the new representative said that the new card was not overnighted and that it will take 7 - 10 business days. I am beyond frustrated of this whole situation and now I have to wait for something I had nothing to do with. I have always spoke highly of NavyFed but you guys slipped on this one.