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

I am writing to address a matter of utmost concern regarding our business checking account that was compromised, resulting in XXXX fraudulent unauthorized purchases, totaling {$2500.00}, between XX/XX/23 and XX/XX/23. 

Upon discovering these unauthorized transactions, I took IMMEDIATE action and called Chase on XX/XX/23, in an effort to report the fraudulent activity and stop them from reocurring. However, I was disappointed to find that the customer service representative I spoke with, failed to deactivate and replace my card promptly, which could have prevented any further unauthorized purchases from occurring. Furthermore, despite my persistent efforts to dispute the transactions and submit the necessary evidence on three separate occasions, I regrettably received denials for all my claims, and a refund was refused. 

It is imperative to emphasize that my husband and I devoted significant hours to communicate with your claims department, diligently providing information with the hope of halting the unauthorized charges. Unfortunately, the employees assigned to assist us demonstrated inadequate language proficiency and were ill-prepared to offer appropriate guidance to resolve such crucial matter, the safe keeping of my incomeand savings. Their incompetence and ineptitude, coupled with deceptive information provided, only served to further hinder our attempts to uncover the true nature of these transactions. It was only after my personal investigation and subsequent contact with XXXX headquarters that I discovered the transactions were conducted in person using a cloned card. This revelation explains how the imposter managed to make purchases at XXXX, despite evidence from my cellphone towers indicating that I was geographically located over XXXX miles away from the perpetrator at the time of the transactions.
Product: Checking or savings account

On XX/XX/XXXX I opened a chase savings account ( acct no XXXX ). Same day, I transferred {$5000.00} from my XXXX XXXX  account. A few days later, Chase locked my online account and closed my savings account. I called Chase at XXXX on XX/XX/XXXX. They said they can't return the money over the phone and I have to go to a branch with an ID : (. I didn't want to go to a branch right now with COVID19, but today on XX/XX/XXXX, I went to the Chase Branch ( address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) but they still refused to return my {$5000.00}. I'm shocked and furious that they closed my account without any warning and are withholding {$5000.00}. Please assist.
Product: Credit reporting or other personal consumer reports

The following accounts contain inaccurate and unverified information and are being reported without a permissible purpose or my express consent. 

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: Mortgage

Tried to pay, They did not apply the funds, instead in suspense account I stopped paying when the could not explain this.   All calls directed to call center in  XXXX . I can not understand the people Asked for reinstement quote which I received They can not break down the charges in the escrow portion Gave phone number and said I needed to fax request, which I did, No response I have called them at least 5 times.   I am scared as the house is in foreclosure
Product: Credit reporting or other personal consumer reports

I sent this exact letter ( below ) out on XX/XX/XXXX ' to the credit bureaus and XXXX has responded today that it was verified and accurate. I am confused how three bureaus have inconsistent information but it is still being reported as " accurate '' in a manner that hurts my credit. I have tried everything I can to get this resolved, please help. 






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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Transunion : I have pulled my credit report both on your website and XXXX & have found some inaccurate information that requires update and removal of this late payment. I have a new and life changing job opportunity coming up and I know they will pull my credit report, and this false information will hurt me between the XXXX credit bureaus for XX/XX/XXXX, and XX/XX/XXXX. I am not asking for you to go above and beyond for me but I do expect to be treated fairly. It is hard enough to have decent credit as an average XXXX. 


Account Name : XXXX XXXX XXXX, Account Number : XXXX ; This late payment is inconsistent throughout the XXXX credit reporting bureaus making it inaccurate, which is reported as : 30 days late in the month of XXXX to Transunion, 30 days late in the month of XXXX to XXXX, 30 days late in the month of XXXX to XXXX. 

These inconsistencies definitely raise concerns how it can be deemed accurate and verified but different information is being reported across the bureaus. You should be ashamed of yourself for ASSUMING this role and position to constantly cause harm to consumers! These accounts are listed with late or missed payments and that is inconsistent making them inaccurate. It is impossible to be both XXXX and 60 days late in the month of XXXX. The ABOVE listed ACCOUNTS should reflect XXXX LATE PAYMENTS and should be listed as PAYS AS AGREED. Please reverse this late payment for inaccuracy and update to PAYS ON TIME/NEVER LATE. 

It is to be noted that I have attempted to dispute this information before and I am a bit frustrated that it was not corrected at that time ( XX/XX/XXXX ). The bureaus claim they have verified and updated this account, but yet I am still noticing inconsistent information. If it's inconsistent, it's deemed inaccurate right? Everything mentioned above is newly discovered inconsistent information regarding this late payment. XXXX XXXX Transunion XXXX ( XXXX ) made it very clear that it is the credit bureau/data furnishers responsibility to prove this information to be 100 % correct, not the consumers. Unless I am provided a bank statement proving that I was late- this account must be updated to PAYS ON TIME/NEVER LATE. There should not be a 30 day late payment reflecting ANYWHERE on this account. 


Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this card several times. This card is from XXXX and was closed XX/XX/XXXX. I paid the account after it was closed but Target is stating that there is still a balance of {$770.00}. I requested the transaction history for all activity since the account was closed and was told that they didnt have that available. They did read a disclaimer that they are no longer attempting to collect the debt because statue of limitations have passed but they are still reporting to the credit bureau even though it should be removed.
Product: Checking or savings account

A fraudulent check was written on my account on XX/XX/year> in the amount of {$17000.00}. The reverse side of the check indicated that it as to be a mobile deposit into a XXXX account. XXXX does not allow mobile deposits over {$1000.00} due to fraudulent activity. Somehow it was then deposited into XXXX XXXX. The handwriting on the check was not mine and I did not write the check. I reported it to Wells Fargo on XX/XX/XXXX, made a police report and closed the account as instructed by the bank. The bank wrote me that they concluded their investigation and denied reimbursing me as too much time had passed. I wrote a certified letter to the Check Fraud department requesting to know what research was done before my check was denied, what documents were reviewed, what letter were sent, what efforts were made to find XXXX XXXX who had endorsed the check. I wanted to know why Wells Fargo never contacted me to attempt to determine the validity of the check, especially in light of all the red flags. Also if it was endorsed to XXXX, how did it get deposited into XXXX XXXX. the police officer investigating my case wants to know if Wells Fargo made any effort to locate XXXX XXXX.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE TRIED AND TRIED TO RESOLVE THIS ID THEFT ISSUE WITH THEM!!! They also blocked me because they know they are dishonest and provide poor customer service. They continue to deny any solutions to resolve the issues I have explained. They essentially told me to file for bankruptcy and depend on someone who will support me, but their employees lack reading comprehension and do not understand subject-verb agreement, which shows that they do not understand that I have no one, no money, no car, or home. I tried to settle several times, but they have been dishonest and denied my attempts. I can not wait to file a lawsuit against these con artists. I AM GOING TO KEEP COMPLAINING UNTIL THEY DO WHAT I ASK AND I AM GOING TO TAKE THEM TO COURT IF THIS CONTINUES!!!
Product: Credit reporting

XXXX XXXX XXXX/ Account # XXXX $ XXXX is reporting in my credit reports Equifax \ XXXX \ XXXX as mine wrongly with a late paid and this account ise n't mine, it was prove that my account was XXXX XXXX XXXX XXXX ( account # XXXX*Good Standing $ XXXX ), when i file the problem they deleted My account and left this other account in my reports. This is a violation and defamation of my credit report. 
Please have this account removed.
Product: Student loan

I called MOHELA in mid XXXX ( around the XXXX ) and asked to change my date of payment from the end of the month to the XXXX. They told me it would take XXXX billing cycles to happen. So I called in XXXX ( around the XXXX ) and they said it had not gone through and they would reapply and to check back in 1-2 billing cycles. I called in early XXXX to findout that my date still had not been changed and was still in " process '' and could not be expediated. I also found out during this call that there was an error in my first call and I was in " pay ahead '' status which makes it where they can not automatically change my payment date. I was told that this should have been fixed by MOHELA at the time. However, none of this was communicated to me via email, mail, text, or online portal messaging. I have been working with an ombudsmen at the Department of Ed XXXX XXXX ( XXXX ) who has not been able to get MOHELA to respond to her on why my date isn't changed. This whole time I have asked for administrative forbearance until they can solve the issue and am not getting the loan rate discount since I am not in autopay.
Product: Money transfer, virtual currency, or money service

My American Express National Bank ( Bluebird ) has subtracted over {$9000.00} from my account and act like they don't understand to add it back i have all the paperwork about it and they have my money and won't put it back. It was gone in less than XXXX weeks and is like I have made purchases and I have not they have a lot of ERRORS on my account and i am broke because of it and need my money ASAP. I want extra money for all this time they kept getting the stuff I need. They can give me extra money for having to wait since I need to buy stuff and can not get it cause of them keeping my money. 


Desired Resolution Relief Payment Request : {$9000.00} Requested Debt Relief : {$9000.00} Other Relief : My American express bluebird bank account has been wiped out by them it subtracted money from my account when I didn't even ask for it to be taken out. They need to give me my money back ASAP, I have bills, need food, need everything since I'm having to wait on them to give me my money back and this has been since XX/XX/XXXX and XX/XX/XXXX then from XX/XX/XXXX thru XX/XX/XXXX. Either way, the money was subtracted from my Bluebird ( American Express XXXX Bank Account and it was never added back, it's not that hard to see that it was not ever added back and why it was even taken out is a really good question, they shouldn't have been subtracting that much of an amount and they have down several withdraws from an ATM that someone had used my card to get some money off that I never withdrew. American Express does have zero fraud liability but they are not wanting to give me the money that is rightfully mine back. And multiple transfers were subtracted from my balance but was never sent to the other bank and were never added back to my balance.never added back to my account and neither were the amounts that someone had stolen. This has been going on since XX/XX/XXXX and I still do not have my money back or anything the representative that I spoke with recently said that " They didn't have access to it and that it was not there so now I am going to have to find all my receipts and write letters all over again for the XXXX time this year. I American Express Bluebird does not want to give me back my money for some reason and I had sent in proof that I was telling it correctly. Can you please help me get my money back it totals {$27000.00} total some reason back in XX/XX/XXXX they were {$20.00} mysteriously disappeared and they can't explain what the deal is cause they should have already given me a credit for the amount since it's been way past 10 days? It's also been past 45 days. Please I need CFPB help with getting my money back. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My private information ( e.g. social security number, address, birthday, etc. ) is most likely to have been stolen in the massive hack of Equifax.
Product: Credit reporting 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX XXXX XXXXXXXX - partial account number XXXX. ( Please see page 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card or prepaid card

My complaint is about Capital One. I have a paperless account meaning all of my payment information is done digitally. 

I have an auto payment scheduled on the XXXX of every month for {$500.00}. This is always more than sufficient to pay the minimum payment required for the month. However this month the minimum was {$500.00}. Capital one texts when payments are due and pushes you to the app to confirm payment. The min payment is never communicated in the app or the text messages. They alert you to the auto payment that is scheduled but they do not tell you that the {$500.00} auto-payment is not sufficient for the minimum in the text message reminders OR the app. This sort of automated alert is not difficult at all to program. It is intentionally deceptive. It results in 1. ) a late payment on your credit and 2. ) a {$40.00} late fee. The auto payment is schedule for the last possible day of the payment term so if your min payment. Is greater than your auto payment you immediately are assessed a late fee, which then raises your min payment for the next month wherein your auto payment amount will again be insufficient. 

All of this can be solved by two easy and transparent acts. 1. ) in the text message alert that we as customers sign up to receive they can include the min payment amount so that we can make an informed decision about whether our auto payment is sufficient and 2. ) on the app, where the text message links you, they where they show your credit balance, available credit and payment due date they can also show you your min payment do AGAIN so you can make an assessment of whether your auto-payment is sufficient. Simple programming in both the app and text messaging system can give you the ONE piece of info you need to make a decision about payment but they fail to give this, creating an avalanche of problems and fees and credit reporting issues. Capital Ones response is, you should have looked at your statement! This is really deceptive when the text messaging system gives you ALL the information you need and the APP that they drive you to gives you ALL of the info you need EXCEPT the most critical piece of information, which they have, but which they require you to look into the depths of their system to find. It does not require ANy work on capital Ones part to provide min payment due on n their systems but they have intentionally made a programming choice not to include this because it results in consumer confusion and they profit from that and then blame the customer. It cost me {$40.00}. The easiest {$40.00} Capital One will make and one they made my making conscious decisions to omit useful consumer information in their baseline communications on bill pay.
Product: Checking or savings account

In re : Truist Bank Account # XXXX, XXXX # XXXX. 

On XX/XX/XXXX, I went into a Truist XXXX, to open a checking account. I submitted all of my personal information that is required for the opening of this account, and in return, received account numbers, checks, and access to mobile Banking. 

On XX/XX/XXXX, I was blocked from the access of my new account, and thought it XXXX have been a wrong password ; I waited until Monday, XX/XX/XXXX, to contact Truist, after many attempts, and failures of opening my mobile banking app. 

After being transferred to many different departments, I was finally transferred to the XXXX department, in which they had no answers for my questions of This alleged fraud. I was told that all the answers, and directives would be sent to me via mail. 

I have received XXXX articles of mail from Truist, XXXX informing me of the fraud alert that they claim to be an issue, also explaining to me to disregard, if I have already spoken to a representative on this matter. The second article was a return of my deposit, and which still does not make any reference of a fraudulent act, and a mention of closure of an account. 

These actions are unauthorized by account holder, unfounded accusations, and Negligence on behalf of Truist is the only act of fraud. This account was less than XXXX hours old, before it was XXXX without knowledge of the account holder, or authorization. 

Truist is Personally liable for this Fraudulent occurrence, activity, and unfounded accusation, and has created a hardship, and inconvenience for account holder, with no basis to target this individual account.
Product: Debt collection

Hello- I keep getting calls on my landline phone which is  XXXX . They ask for a  XXXX   XXXX  or something. Our last name is  XXXX , the only reason I thought the caller might want us is because there was a "  XXXX  '' in the last name they were trying to reach. I asked who they were. They said it was a private matter and could only talk to him. I told them I had power of attorney and they could talk to me and asked them to identify themselves several times. She would would not, but she sounded legit ( not a weird accent nor any threats or poor  XXXX  ). Then the caller said she could tell me what the call was about if I told her my husband 's birth date. I told her I would not provide personal info over the phone. I kept asking the caller to identify themselves and she refused by saying it was a private matter. The call came from  XXXX , When I tried to block the call ( using  XXXX  ) I received a message that, that phone number was invalid. I called the number  XXXX  and the message "  Credit Corp Solutions ''. I called again and some one named "  XXXX  '' answered. We pay our bills on time and have good credit scores, perhaps there is a bill we missed however we have never received anything in the mail and the caller had our last name so wrong, almost unrecognizable. Honestly, there was no way I was going to give out my husbands birth date to someone who was not identifying themselves ( actually even then I would not give out that info over the phone to someone I do not know ). My husband is in  XXXX   (   XXXX    XXXX   w/ over 20 years  )  until  XXXX  That is why I have power of attorney. In the mean time, I have contacted him about this matter. What I want to know is, what is the deal with  " Credit Corp Solutions '' ( if it  is them ) how come they ask for private, sensitive info over the phone, why wo n't they tell me who they are when calling MY phone number, and why do they use a number I can not block?