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

On XXXX I l literally had my own personal experience of XXXX XXXX XXXX movie, ON A MUCH smaller scale in Private Banking with JPMC XXXX XXXX XXXX XXXX XXXX {$7000.00}. The entire sr.mgmt team was in the upstairs conference room trying to figure out what to do, how to fix the massive problem they created! for rolling out a so-called LIQUID net product that was never tested properly AND was REJECTED by all major banks, Credit card companies, etc! Apparently, it is now TESTED by me AND FLAT OUT FAILED! I was literally in one of the Private client offices located in the lobby, yelling ; your Liquid net product has stolen $ XXXX of my money for 4 days, I have transmissions/emails from XXXX, XXXX XXXX, my mortgage company and many other firms stating, NON TRANS ACCOUNT, INVALID. give me my XXXX money in cash now! And tell Mr. XXXX XXXX be at the DOJ, FINRA, SEC & EVERY XXXX XXXX XXXX reporting FRAUD! Of course they tried to appease me as the people were gathering & Big time Reputational Exposure for JPMC and as you would expect I said XXXX off, get my money NOW IN LARGE BILLS! 

They finally handed me envelopes with large bills, I closed my New account THAT I opened 10   days ago! I walked to XXXX XXXX XXXX & XXXX XXXX Closed that account, walked to XXXX  XXXX XXXX, explained the fraudulent banking issue with JPMC AND THAT XXXX XXXX is involved again. Then walked to XXXX XXXX XXXX & XXXX XXXX. Opened 3 new Accounts, deposited the money from JPMC and XXXX XXXX. 
JPMC assigned an interal case #, the person assigned has been unresponsive despite the 10+  calls I have made! I am demanding {$500.00} be refunded in bank fees caused by JPMC, PLUS {$5000.00} IN pUNITIVE DAMAGES FOR EMOTIONAL DISTRESS AND NEGATIVE CREDIT REPORTING IMPACTS at XXXX, XXXX agencies
Product: Debt or credit management

Experian will not cancel/close my membership. They do not respond to emails and do not have a way to cancel on their website.
Product: Money transfer, virtual currency, or money service

I am and have been a Cash App customer for a very long time now and have been wronged by them. My personal information was leaked through the CashApp application
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint against ChexSystems XXXX XXXX for their continued failure to remove fraudulent information from my consumer report, despite proper notice and submission of all required documentation under the Fair Credit Reporting Act ( FCRA ). 
Over XXXX months ago, I formally notified ChexSystems of identity theft involving fraudulent accounts opened in my name at XXXX XXXX XXXX XXXXCCT # : XXXX ROUTING NUMBER : XXXX and XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING # : XXXX What I have submitted to ChexSystems  on XXXX XXXX and XX/XX/year> : A police report : A signed identity theft affidavit Additional supporting documents verifying the fraud Despite this, ChexSystems has failed to block or remove the fraudulent information from my file. Their inaction is a clear violation of my rights under : 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block identity theft-related data upon proper notice 15 U.S.C. 1681b, for furnishing my report to third parties without a permissible purpose while it contains disputed and fraudulent data This inaccurate and uncorrected reporting has harmed me by impacting my ability to open new accounts and conduct everyday financial activities. 
Requested Resolution : I respectfully request that the CFPB : Investigate ChexSystems for noncompliance with the FCRA Require immediate and permanent removal of all fraudulent accounts and entries associated with this identity theft Hold ChexSystems accountable for failing to act within the required timeframe I am prepared to submit all evidence and correspondence to support this complaint. 
Sincerely, XXXX XXXX XXXX XXXX Email Address : XXXX XXXX
Product: Checking or savings account

I was promised by Ally Financial bank a 1 % cash back bonus if I opened up a new account or deposit money to an existing account. I did so by depositing XXXX into a new account ending ... XXXX on XXXX ( before the dated line of XXXX ). I also received a confirmation email of that on XXXX confirming my enrollment before the date line of XXXX XX/XX/XXXX. I followed all the requirement of outlined on the email of XXXX and yet I did not receive the {$1000.00} cash back bonus by XX/XX/XXXX as promised on that email. I have called them several times on this issues, despite the fact that they confirm my qualifications for the cash back bonus, yet they say it would take 7-10 business day to do research on the reason why you have not been paid. Exh. 2 is a chat print of an ally agent with me on XX/XX/XXXX in which it is stated that I have been qualified for the cash back bonus and that it would take 7-10 business day to get the money. 
However, this sounds to me fishy as to why it should take 7-10 business day to deposit the money into my account while it was supposed to be done by XX/XX/XXXX. 
I ask them to pay the bonus and then do your research about your software problem. 
They are not listening and bushing me around.
Product: Checking or savings account

On XX/XX/2018 at XXXX, XXXX XXXX from XXXX XXXX called from phone # XXXX and called my cell phone at XXXX and my other cell phone at XXXX. XXXX left a voicemail on my XXXX number at XXXX. He was calling in regards to an overdrawn account. Federal law prohibits such calls before XXXX. XXXX XXXX ( located in West Virginia ) and my residence ( located in Ohio ) are in the eastern time  zone. I can provide proof of call logs and voicemails upon request. I am sure XXXX XXXX keeps and records calls as well. 

Below are the guidelines businesses must follow per the FCRA. 

Prohibited Collection Practices Call you before XXXX XXXX or after XXXX XXXX, based on your time zone Call you at work, provided the debt collector is aware your employer doesnt approve of these phone calls Harass, oppress, or abuse you Lie to you or falsely imply that you have committed a crime Use unfair practices in an attempt to collect a debt Conceal his or her identity on the phone Disregard a written request from you to cease further contact
Product: Debt collection

This company is attempting to collect an alleged debt without having any type of documentation or wet signature of the alleged debt I " owe '' I have never heard of this company in my life. This information on my credit report is false and misleading and needs to be removed immediately. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. Litigations will be filed if this debt is not removed off my credit report. Again you are violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PROVIDED PROOF AND DOCUMENTATION THAT THIS ACCOUNT DOES NOT BELONG TO ME YET EXPERIAN HAS NOT FORCE XXXX XXXX  TO PROVIDE ANY CONTRACT WITH MY SIGNATURE THIS HAS HURT MY BUSINESS AND WAY OF LIFE
Product: Credit reporting or other personal consumer reports

I AM A VICTIM XXXX XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH

15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSI
NESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Bank account or service

On XXXX XXXX, XXXX, I checked my Wells Fargo account and found out I had a recurring charge on my Debit Card from XXXX. I called XXXX and explained I had a recurring charge on my Debit Card for {$24.00} a month. This charge started in XXXX. 
They said someone by the name XXXX XXXX open an account with XXXX for Credit Card Service and the charges were going to my Debit Card. I explained I never authorized these charges and I did not know who XXXX XXXX was. XXXX then cancelled the account. The account number that was open was XXXX. 
I asked if I could be reimbursed for the {$24.00} month charges to my Debit card, and they said no, I would have to contact Wells Fargo to be reimbursed my money. 
I contacted Wells Fargo and they said they could only file claims for the last 60 days. I am told them these charges were occurring since XXXX. They told me to contact XXXX. I contacted XXXX and they said they could not help with these fraudulent charges. I asked if they could provide me the name of the person who opened up the account with my Debit Card number, and they said they could not provide that information. 
I am looking to have XXXX reimburse me for all of the recurring charges on my Debit Card since the account was first open in XXXX. 
The Debit account that was charged, is not my primary account that I used for daily transactions. It was account that was first opened after my father died. I never received a paper statement detailing the account status. I never logged on to the account because I never used the Debit Card for any transaction.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S. C. 1681 c-2 ), that XXXX, Transunion and XXXX XXXX XXXX appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXX account number XXXXXXXX XXXX account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Mortgage

We are in the process of selling our home. During the title search, it was discovered Bank of America did not satisfy a deed of trust when we refinanced, so it appears to deeds are open. We started to call on XXXX XXXX to report the issue. After numerous calls for resolution and no response, we finally received a call that the issue was resolved on XXXX. However, it turned out the bank satisfied the wrong deed of trust. Due to the delay, the buyers mortgage company cancelled the closing and will not reschedule until approved. The expected closing date was XXXX, due to our house not being ready, we had to rent an apartment for one month at a cost of over {$3000.00}. Because our house is not closing, we are also going to be responsible for paying our mortgage with Bank of America. Because our closing appears to be pushed back until XXXX, the buyers can now cancel the contract and also attempt to come to us for restitution. During the process of trying to get this fixed, I have faxed in, and our lawyer has faxed in the documents to Bank of America 3 times. We even sent them a copy of the deed to be satisfied and they still did the incorrect XXXX. Because of the error, we are basically owing the equivalent of XXXX mortgage payments, plus our buyers are in a horrible position. XXXX last thing, the reason why there was problem with the original refinance was we were instructed to sign the documentation incorrectly and it had to be resigned a second time.
Product: Mortgage

I refinanced my house back in XX/XX/XXXX - because of the XXXX I needed PMI. My PMI was set to automatically terminate at 78 percent of the original loan value and I could request at 80 percent. Back in XX/XX/XXXX I sent to Nationstar who had recently purchased my mortgage a request, along with a copy of my PMI notice and the schedule. They ignored this letter. In XXXX I sent XXXX pointing out that I had reached the mandatory cancellation. They ignored that and took out PMI. I contacted them, there response was to say that I am at XXXX XXXX, which I am not. They have provided me no proof of their assertions, even though I have provided them with the attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX Has sent me a debt collection page to XXXX adults on the lease each XXXX separate reference for is XXXX i do not owe this debt. the original company is trying to pull a scam and i wont be apart of it XXXX XXXX  i rented from XXXXXXXX XXXX i filed a case on them with fair housing because they tried to put me through a bunch of rules and regulations when i tried to move to a new house. i put in notice that i would be moving, but needed to find a house my lease ended on XX/XX/XXXX XXXX they would not let me pay for those couple of days so i stated if i have to pay for the whole month then i will leave when i find a place. if my lease ended XX/XX/XXXX then i should have only been paying month to month after that because i did not sign a new lease. they created a fee saying i had to pay because my lease went month to month. this was not in original lease. so basically i asked them to come get the keys noone did i wsited until trash night put out the trash told them i would return to take trash back in and asked for someoone to meet me at the house again. noone showed. so when i left the house they put bogus charges charging me for removal of items that were originally on or in the house. They even added on extra days i asked for receipts. they told me they were not going to give me receipts .they are not allowed to just make repairs without giving me the chance to do them first. to charge me after the fasct is bad business. I believe they were trying to make me pay more for leaving and for the upgrades they made. They did not ask me to remove any items. everything was left in the trash can it needed to be pushed to the curb. they charged me XXXX after keeping the security deposit XXXX She has also included all three adults on this making it show up on all three of our accoutns when it should have only been on mine. i tried to work it out going back anfd forth with XXXX XXXX. she then stated she wold take action. i was not going to pay charges i didnt owe and that she couldnt produce receipts for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute account with Equifax asking for them to delete as this account is stating incorrect / invalid account number reporting account as a installment when the true type of account was checking account. Reporting inaccurate date last reported and date last active. Account payment history is reporting date last payment as XX/XX/XXXX with charge off on XX/XX/XXXX, this is impossible! Yet, Equifax has not recorded any payments on date last payment. I personally closed this account and it was never a loan it was my checking account. Therefore, there is no way that there can be a balance of {$190.00}. 
This account has been reporting charge off with a balance of {$190.00} since XXXX it is XXXX and account is still reporting charge off with a balance of {$190.00} if payments have been done like you are reporting the {$190.00} shouldve been paid off by now. This is not possible you are reporting payments up to this date when account has been closed since XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Prosper stated my monthly payment is {$200.00}. Prosper also stated enclosed it is {$330.00}. 

XX/XX/2023 was the date of Debt validation request. By law, Prosper exceeded the FDCPA 30 day required time period substantially.

Prosper failed to maintain records, harassing me with repeated calls, reminders, emails, warnings, and incessant messages by text. Prosper did so while in parallel providing no response to my emails. 

I maintain recordings of admissions that this occurred, emails- inbound and outbound- to verify the same. 

Having made good faith efforts to resolve originally to find no congruent records of any agreement, I responded about this once. Prosper aggressively addressed this with a presumptive conclusion that I seek some " debt validation letter '', to which the records reflect is nonsensical. 

This is further harassment, delay, and mischaracterization of amounts owed. Prosper has included a derogatory note against my creditworthiness without any notice of understanding. They have not explained nor been able to validate autodebits from my checking account, now in excess of {$800.00}. 

They hang up all calls saying a resolution occurred. Never once has the actual resolution occurred. They have lied 100 % of the time, and this is not hyperbolic. 

I can not be more clear on my requests.

Enclosed is the last communication from Prosper purporting that I owe some recurring monthly debt balance prior to agreement. This is fraud, deception, both, and harassment in my observation.
Product: Checking or savings account

On XX/XX/2020, I received an email from Chase saying that {$8500.00} wire transfer was made from your account. This wire transfer was not authorized by me and was initiated by XXXX XXXX. I have no knowledge of XXXX XXXX. On XX/XX/2020, I went to Chase and instructed that a freeze be placed on the account and to credit my account immediately for the {$8500.00} unauthorized wire transfer. Chase refused to credit my account and said that I had to wait unit the Claims Department finished an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account NumbeXXXX : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I order a machine thru XXXX XXXX XXXX with PayPal back in XXXX. Immediately when I received the machine was not the machine I ordered ( older model, not the same attachments, not touchscreen, just totally different machine ) AND it was broken. I tried resolving with XXXX and the seller to no avail and then filed a dispute with PayPal on XX/XX/2021. I went back and forth for 2 MONTHS with them at which time I heard EVERY excuse in the book and the resolution date was changed 14 times. PayPal responded to my previous complaint and talked about a COMPLETELY different dispute. This complaint is regarding dispute number XXXX , attached is just some of the XXXX I had to deal with while this ordeal with PayPal. They protect fraudulent sellers just to make a few bucks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed several accounts with Experian and even provided police report and ID Theft affidavit to help resolve the issue and Experian has refused to address the matter. They have failed to verify to accounts 100 percent and have only relied on an automated process. The following accounts are a result of ID Theft : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3 XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Wells Fargo Bank paid XXXX transactions while my checking account was overdrawn over the course of 4 days : charging {$170.00}, then refused to negotiate any courtesy waivers. I closed the account and later opened another. When I explained my situation, the branch manager was sympathetic and assured me that she would help me avoid a similar experience. Wells Fargo later seized the funds from this account toward fees charged on the other account. Then the bank proceeded to overdraw the account by charging fees the following month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 

XXXX XXXX XXXX Dates without consent on XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 


Citi XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX investigated and ruled unfounded. 

I have credit alerts and froze my accounts due to fraudulent activity. I also received a letter from the XXXX XXXX XXXX and XXXX that my information was compromised as a result of the XXXX XXXX XXXX