23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chase Bank / Southwest Airlines Card Fraudulent charges on XX/XX/2023 XXXX for {$550.00} and XX/XX/2023 XXXX for {$800.00} both from the XXXX XXXX XXXX XXXX 

On Monday, XX/XX/XXXX, I immediately called Chase Bank and reported the fraud. Cards were cancelled, new cards were shipped second-day, charges were taken off my account. 

On XX/XX/2023, my account shows a charge from that same hotel in the amount of {$600.00}. When I contacted Chase again about fraudulent charges, the representative told me that charge was " from the old card. '' When I asked how that was possible since Chase allegedly closed my original card, I was transferred to another person. That person told me I would need to contact the fraud investigation department, but they wouldn't be in until Monday. Looking at my statement, it shows an " adjustment '' type on the {$600.00} charge which leads me to believe they somehow feel those were legitimate charges, which they can't be because I was nowhere near XXXX or XXXX XXXX on those dates, in fact was in XXXX XXXX at a concert and then XXXX XXXX for a birthday celebration.
Product: Debt collection

When contacting Allied Interstate LLC to try to resolve an issue regarding my debt they were very unprofessional. I spoke to a representative that was very rude and offensive. It was clear from the moment I made the phone call that no one really cared to help me. After taking a verbal beating from multiple representatives I requested a supervisor and was appalled when the representative told me to basically ask her nicely for one. Once I spoke with a supervisor ( XXXX XXXX ) he was not much help either. He never offered me empathy or apologized for the actions of the representatives. He offered to call me back to help resolve the issue and I have a feeling I will have to call this company back again. This company makes it near impossible to resolve any issue that involve them needing to correct a mistake they have made.
Product: Credit reporting or other personal consumer reports

I have a lot of hard inquiries in my credit report I don't recognize them I have XXXX I only know XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX I don't know where the others came from my credit is low too much hard inquiries affected my score can u delete the rest cause I don't know where they came from I need my score to grow so I can buy a house The place I just mentioned is the only place I go to buy a card I need help
Product: Money transfer, virtual currency, or money service

I recently got scammed by a person named XXXX XXXX from XXXX who asked me to transfer {$4600.00} to another BOA Account holder ( XXXX XXXX XXXX BOA Account : # XXXX ). I did an online transfer, but XXXX is not satisfied, & asked me repeatedly to cancel transfer & do cash deposit by physically going to the bank. I called customer service twice ( On Friday, XX/XX/XXXX, XXXX XXXX & XXXX XXXX CDT ). 1st CSR told online transfer ca n't be canceled. 2nd CSR,  however, told transaction is successfully canceled and money is refunded back to my account. XXXX Account balance is {$9100.00}. PROVIDED WRONG INFORMATION.Please see the attached cell phone conversation recorded ad forward to XXXX to hear 2nd CSR voice. 

Went to BOA Financial center On Friday, XX/XX/XXXX at XXXX XXXX CDT to withdrew {$4600.00} cash. Available balance according to receipt {$4500.00}. At XXXX XXXX CDT deposited {$4600.00} cash to XXXX XXXX XXXX BOA # : XXXX. I have deposit slip. 

On Saturday, XX/XX/XXXX logged in BOA Account and noticed Online Transfer was not canceled and {$4600.00} is transferred twice to XXXX XXXX. 

BOA has opened a claim request # XXXX and they will request the recipient to refund the 2nd {$4600.00} he received!
Product: Debt collection

PMAB , LLC is attempting to collect a medical debt from me at this time. I have stated that I refuse to pay this debt because at the time of service I had primary and secondary insurance. The original creditor did not charge my secondary insurance for all remaining charges owed. I should not have to pay this debt because the medical provider was negligent and also medical malpractice occurred during the time the services were rendered.
Product: Debt collection

TO WHOM IT MAY CONCERN. 
ON XXXX XXXX MY A.C. WENT OUT ON US SOME I CALL XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX AND XXXX ( XXXX ) XXXX AND THEY CAME OUT THATSAME DAY AND SAID THAT THEY CAN REPLACE THE A.C THE SAME DAY AND THAT IT WOULD FINANCE BY SYNCHRONY BANK OF XXXX, FLA.XXXX  AND I TALK TO THE BANK ON THE PHONE AND THEY SAID THAT I WOULD BE PAYING ABOUT {$50.00} TO {$60.00} PER MOUTH THAT WAS OK WITH. I FINANCE THE AMOUT OF {$6200.00} OF THIS BANK AND THEY SAID THAT I WOULD GET A PAYMENT BOOK IN FER WEEKS THAT WAS OK WITH ME SO I WAITHED ABOUT 3 TO 4 WEEKS AND I DID NOT GET A PAYMENT BOOK SO I CALL XXXX AT XXXX  AND SHE SAID YOU WOUD GETTING THAT PAYMENT BOOK FROM SYCHRONY BANK SO I CALL THE BANK AT XXXX AND ITALK TO A WOMEN THAT AND SHE SAID YES YOU WILL BE GETTING THE PAYMENT BOOK IN TOW WEEKS! WILL THE PAYMENT BOOK NEVER THE PAYMENT BOOK, SO I CALL XXXX UP AT XXXX AGAIN AND SHE GAVE ME SOME PHONE NUMBERS AND THE ONLY THING THAT THESE PHONE RESULTS OF THESE CALL WAS ALL HANG UP ON ME APPROXMATELY 3 TIMESAND THE BANK PUT IN TO A COLLECTION AGENCY NAME XXXX XXXX , XXXX OF XXXX, MO. ITRY TO CALL THE BANK AND THEY JUST HANG UP ON ME I GET PEOPLE IN XXXX, XXXX, THE XXXX. SO I CALL XXXX AGAIN AT XXXX AND SHE GAVE ME ANOTHER PHONE NUMBER TO CALL CUSTOMER SERVICE AND I GOT A WOMEN NAME XXXX TALK TO HER ABOUT MY PROBLEM AND SHE SAID NOT MY DEPARTMENT AND HUNG UP ON ME. SO I CALL XXXX BACK AND SHE SAID THAT XXXX THE FINANCE OFFER AT XXXX  TALK TO THE BANK ABOUT MY ACCOUNT AND THEY TOLL HIM THEY IT WAS THERE MISTAKE ON ALL OF THE ABOVE. BUT XXXX DID NOT GAVE ME A CALL BACK AND NOT THE BANK AT ALL. XXXX SAID THE BANK IS NOT GOING TO HELP YOU WITH YOUR ACCOUNT PROBLEM AND THAT I SHOULD GET LEGAL ADVICE ABOUT MY ACCOUNT PROBLEM WITH SYNCHRONY BANK. AND BY THE WAY THE XXXX XXXX , XXXX WHAT'S {$6800.00} ABOUT {$590.00} MORE THEN WHAT I FINANCE FOR. AGAIN I NEVER GET ANY LETTER FROM THE BANK FOR I HAVE NOT MOVE FROM MY ADDRESS. THEY ALSO WRECKED MY AND MY SISTER CREDIT AT ALL CREDIT BUREAUS AND MY OWN BANK. VERY TRULY XXXX
Product: Checking or savings account

The overdraft was caused by a stolenphone from a robbery.There were robberies at my car and they took my phones ( 2 phones ) from my hand and ran away from my car. ( So, I reported it to the police and there is a police case # XXXX, XXXX XXXX XXXX, reported on XXXX ) And they hacked and opened the Chase bank app using the XXXX transaction. 
And They transfer several transactions ( without my authorization ). 

These are the transactions & withdrawns totaling {$4000.00} that I DID NOT AUTHORIZED. 
- {$1000.00} x 2 times - {$2000.00} x 1 time -Total of {$4000.00} So, During these fraud transactions, I reported thefraud transaction right away to Chase bank and reported it to the police. After all, Chase refunded {$4000.00} instantly but they pulled {$4000.00} back!, because they investigated and decided that was under my authorizations. So, now I had the - {$4000.00} OVERDRAFT resulton my account and XXXX closed my accountwith OVERDRAFT action. ( Of course, I never gave the authorizations it was robbery. ) **Reference numbers : -Chase claim number : XXXX -Fraud Chase Checking account # : XXXX -New Chase Checking account which has been overdraft and closed ( after fraud account ) : # XXXX XXXX XXXX Unauthorizedtransaction amount and date : {$4000.00}, XXXX XXXX XXXX  Fraud ID name : XXXX -State by XXXX XXXX
Product: Bank account or service

A refund was illegally refunded by XXXX to a closed debit/checking account w/ Citizens Bank XXXX After many phone calls into Citizens Bank, was finally able to find that the refund was in fact sent to my closed account & a check was issued for the refund one month later. After 4+ weeks of no check being received, I began to call into Citizens Bank requesting a re-issue be done as I still had not received the refund check that was righfully mine. Another week passed and they stated they were going to notify the correct department to place a stop payment on the check. Low and behold, two days later I received the check and I did call to make them aware that I had received the check. I received a phone call assuring me that the stop payment had not been placed on the check and it was ok to cash. Upon cashing the check on XXXX XXXX, 2015 when the refund was placed into my closed account on XXXX XXXX, 2015, I received a letter from my current institution on XXXX XXXX, 2015 via mail that there was a stop payment and that the funds had been withdrawn from my account. This refund was performed by XXXX on XXXX XXXX and I am still waiting for that refund as it has been 3 months. Who exactly is getting the interest on this said money that does n't belong to them yet make it ever so difficult to return to the rightful owner?
Product: Checking or savings account

Hi, on XX/XX/2022 my Wise bank account was blocked for no reason, I contact them to see what was happening, on XXXX XXXX XXXX they answered me that they decided to close my account, they didnt gave me any reason and they asked me for an account number and routing number from another account under my name to send me the funds that remain on my account at the time that was closed, XXXXXXXX XXXX ( XXXX $ approximately ). I immediately provided my banks details, they told me it would take about XXXX business days, I waited XXXX month and never received the funds, after that I contact them again and they changed me the information and told me it could take up to 60 days, even dough thats too much waiting time to wait for a reimbursement I waited the 60 days, but I still have not received my funds. I have contacted the bank customer support for an answer to this matter but now they dont want to give me more information, I have called them several times and wrote them a lot of emails and they only reply me automatic email saying my account was closed and there is nothing else to do and by phone they told me the same that my account is closed and they dont have more information about my funds. I am very concern about this issue I had a lot of problems lately because I need my funds to paid for my living and medical expenses and they dont care about that, I dont know what else to do, please help me.
Product: Credit card or prepaid card

On XX/XX/2018 our family was at XXXX XXXX in XXXX and someone stole my wallet, I was unaware it was taken until my husband and myself were notified of some large charges made on our credit cards Via text messaging on XX/XX/2018. We responded to the text messages by stating NO these charges were not authorized. The Chase Southwest Card was one of the cards that sent a text as well and they were CALLED immediately after they sent the notification and they were told the card was stolen and stated the charges were not authorized and to close the account. I had three cards in my wallet my ID, health insurance cards etc were taken. We contacted all three credit card companies that had been take. We closed al three credit card accounts as as our our bank and checking accounts. I filed a police report and had to get a new ID as well. The Unauthorized Charges were processed at XXXX XXXX stores in the XXXX area. Two of the three cards did send letters stating they did see these charges were not authorized and they credited our account. Chase Southwest is stating they will not credit our account and they find these charges valid after they reviewed our account. I have provided information several times to Chase Southwest card services on many occasions as they would not tell us what they needed up front. ( we provided all documentation requested to Chase Southwest to prove these were fraudulent charges ) Chase card service has a copy of our time cards, police report and our ID 's as well as other letters from the other credit card companies that stated they have found these charges as fraudulent and nothing has seemed to help them see these charges were not valid. We have contacted an attorney which wrote a letter on our behalf requesting they re consider the decision made as we have provided them with several documents to prove we did not authorize these charges and could had not possibly made these charges as we were at work. We are asking for help in this matter as we have been advised from our attorney file a formal complaint against Chase Southwest. Please find attached documents we have sent to Chase Southwest on many occasions, as documentation the charges are charges that we did NOT authorize. The only response we have received since the attorney sent the letter ( second time it was sent ) was a copy of our statement which had nothing to do with what the attorney had requested and no letter was attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX.Account XXXX, Date Opened XX/XX/2023. XXXX, Account XXXX, Date Opened XX/XX/2023. I have included attachments and laws to show how these accounts are violating the law. Please review laws and attachments of the errors. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

My mother opened this account without my permission using my social security number. When I called the collection agency the person I spoke with did not have my phone number on file he had a number I did not know and then said I owe the debt because it was my mother and replaced the fraudulent phone number that was on file with my phone number and I did not ask for this. I want my phone number removed because I do not owe this debt. This account was opened without my consent or knowledge. The person on the phone also said that it is true that anyone can open an account over the phone with someone 's social security without being fully identified and I think that is unfair and I should not owe this debt. My mother was also XXXX for identity theft and other similar charges and I stated that and the debt still was not removed from my credit report.
Product: Credit card or prepaid card

On Friday, XX/XX/XXXX around XXXX a XXXX XXXX from XXXX XXXX called my mother and threatened to further escalate his attempts to collect on a past due credit card payment. He has also called other family members and disclosed that he is attempting to collect a debt. I called XXXX, a debt counselor, to assist me in managing my debt and they recommended I file a complaint. They said anyone calling to collect a debt may only ask if I am there and how to reach me, not disclose that they are collecting a debt and certainly not to threaten further escalation of said attempt to collect upon this debt.
Product: Checking or savings account

Some keeps opening bank accounts and credit cards with Bank of America They say they are blocking it but Im getting emails that it is opened and its not me
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for credit with GLOBAL LENDING SERVICES on XX/XX/22. XXXX XXXX IS RUNNING MY CREDIT WITHOUT PERMISSION. PLEASE SEE SCANNED DOCUMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters repeatedly to XXXX, Experian, and XXXX  asking them to validate and even show me their method of verificatiion for these fraudulent accounts on my record. I have sent numerous letters to the creditors and this bankruptcy court in XXXX, TN only to have my letter returned right back to me more than twice. I am reaching out to the CFPB for some kind of resolve before I seek legal action. 

The following accounts and inquiries are not mine : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX Bankruptcy Chapter XXXX - Dismissed - XXXX Inquiries : 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 XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX 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 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 XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

No one help me about disputes I sent too all credit bureau I had some things on there that dont belong too me and the bureaus keep putting on my credit report after I dispute everything no one help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter regarding inaccuracies on my report on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't receive a response. To my knowledge the company has 30 to 45 days to respond to my dispute. They are in violation of the fair credit reporting act. These inaccuracies are drastically effecting my credit score. 
I understand we are in difficult times but these inaccuracies must be corrected. Thank you and God Bless.
Product: Money transfer, virtual currency, or money service

I opened the Experian bank account with the hopes of boosting my credit score but when I attempted to transfer money from my bank account the money was withheld for a week for some unexplained reason. I contacted Experian on the XXXX of XXXX and they explained that there was nothing that they could do for me and I would just have to wait.
Product: Credit reporting or other personal consumer reports

I am checking on the status of Complaint ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a letter back stating that the late payment reporting in XX/XX/XXXX would be removed from my credit report within 30-45 days. This was back in XX/XX/XXXX, and we are now going into XX/XX/XXXX. Furthermore, your company is in violation of reinserting this late payment back on my credit report which is a violation. Please see the attached response letter from the Vice President and remove the late payment reporting in XX/XX/XXXX. I will be filing a lawsuit against your company if this account is not removed in 7 days.
Product: Credit card or prepaid card

In XX/XX/XXXX, I changed my phone number & network provided from XXXX to XXXX XXXX. 

I have made upwards of 30 attempts to change my phone number via the web portal, and have made multiple phone calls to the customer service team. 

These calls have ranged from completely useless ( First Communication  XXXX ) to helpful but unsuccessful ( XXXX - XX/XX/XXXX ). 

I no longer have access to my old phone number, however it is still listed as the primary means of Two-Factor Authentication. This is a huge security risk as someone could claim this number and pretend to be me. No  other finanical instituation has had an issue with this change ( XXXX XXXX, XXXX, SSA.Gov, CA State, Federal ) For the last time, this phone number is not a VoIP. It's not my fault you never update your systems. You are putting my financial information at risk by not complying.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX 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 am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from Transunion. XXXX  bal. {$6000.00}, XXXX XXXX. {$3700.00}, XXXX XXXX. {$2700.00}, XXXX XXXX. {$1800.00}, XXXX XXXX. {$330.00}, XXXX XXXX bal. {$470.00}
Product: Debt collection

The below list a a minor list of all these calls, I have contacted them and even. blocked their number but they circumvent this by attempting toes a XXXX area code masked by their real number. This is blatant harassment and myth next step is to see legal representation. 


Name Number When Actions CREDENCE XXXX Today, XXXX XXXX CREDENCE XXXX Today, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX. 
CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX
Product: Checking or savings account

I did a mobile deposit of a check for {$2600.00} on my new Truist bank business account. The check is from one of the agencies that i work with. I guess there was some type of typo or misunderstanding in the check. It was placed on hold for 15 days. So I let time go by thinking it's just needs time to clear. Then account was locked. I called and asked why don't they just call and confirm that the check is indeed for me. They told me to get a notarized letter from the agancy that they paid me. I call the agancy and Truist cashed the check cause they took the money out of the account but didn't want to give it to me on suspicion of check fraud and hasn't returned it either. After waiting almost 2 weeks the agancy finally wrote me that notarized letter and I email it to the email Truist bank gave me I called again for the 4th time and they told me it was the wrong email and gave me a new email. I have sent the letter to the new email. THEY DONT GIVE THE FUNDS BACK TO THE AGANCY ( SO THEY CAN PAY ME FOR MY SERVICE ) OR TO ME.
Product: Credit card or prepaid card

On XX/XX/XXXX a debit transaction in the amount of {$510.00} on behalf of vendor XXXX XXXX occurred. The vendor was notified on XX/XX/XXXX to cancel this transaction, and agreed. 
CitiCard has NOT returned the {$510.00}.
Product: Checking or savings account

My card was stolen and a bunch of unauthorized transactions occurred and I was trying to keep my money in that account to save. Ive already filed a complaint about this issue and the company said theyd look into it. Ive filed the unauthorized transactions on time and they told me they filed the dispute successfully and I emailed them again and they got back to me saying they cant do anything about it and I didnt file dispute on time. I just need my money back.