23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent e mails and certified letters to this company explaining to them that I was never served any type of court paperwork or documentation about a garnishment. My work place informed me of this company garnishing my check. I sent e mails and certified letters explaining, they deliver or service court paper with my personal information to the wrong address. I tried to correct the problem by sending a certified letter with a copy of my driving license with my correct address, and this company refuse to acknowledge, they had hired a company to deliver court paperwork with my personal information on to the wrong address. This was very embarrassing. Personal and physical. I tried to explain to them I have never live at that address. Check the DMV because this address has never been on a Washington State drivers license that belong to me. This company contacted the credit bureau XXXX and placed this address on my credit report. I spoke to XXXX and was informed that this company verify to them that this was my correct address with a XXXX debt. And I needed to go through this company to have this remove on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I settled a debt with XXXX, I recached an agreement with collector ( XXXX ) stating as follows, once my debit was payed a letter was sent out to the three credit bureau reporting agencies XXXX, Transunion and XXXX  advising them to take off any remarks relating to this debit. I have tired to reach the credit bureau 's to discuss there role in upholding the decision made by XXXX but i have not been able to secure that decision. I have the necessary documents proving that an agreement was made between me and XXXX to have any remarks regrading this debit to be completely removed from all of my three my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached for this account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please update these accounts immediately.
Product: Money transfer, virtual currency, or money service

Information with time stamps, description of events in attached word document. 
Briefly stated, I deposited a {$41000.00} check to my Chase Bank Account on XX/XX/XXXX. The money came from a XXXX XXXX XXXX, Computer Share ( representing XXXX XXXX XXXX ) in the form of a check. The funds became available on XX/XX/XXXXXXXX I tried to initiate a transaction, but Chase restricted my account on the basis of fraud. I provided Chase with the pertinent information, unique to my likeness, to release the restriction from my bank account, but Chase refused to give lift the restriction. I've contacted their Executive Office, who's not been in correspondence as they stated they would, noting their last date of contact was the 3rd-week in XXXX, it's currently the 3rd-week in XXXX. 

Attached below is a detailed description of the events, Chase Bank Statements, Computershare Bank Statements, E-mails with agents from Computershare and other noted documents to support my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX AND EXPERIAN '' CONTINUE TO REFRESH OUTDATED ACCOUNT OVER 5YRS OLD, NOT MY ACCOUNT AND VIOLATES " FCRA/ FDCPA AND FCBA '', BOTH " CRA '' VILATES SECTION 604,607, 611 AND 623 ( a ) ... ACCOUNT # XXXX
Product: Money transfer, virtual currency, or money service

We had been looking for a combine, we were checking out several auction sites and dealers online hoping to get the best combine for a good price. On XX/XX/XXXX we made contact with XXXX XXXX XXXX, from XXXX XXXX WI. about purchasing a XXXX XXXX XXXX XXXX Combine with a XXXX XXXX XXXX header with a XXXX ' length header trailer. We requested a video, at XXXX on XX/XX/XXXX. We had researched this company and were pretty confident that they were legit. We also expressed concern to our lender and they checked them out also and felt that they were reputable. By XXXX on XX/XX/XXXX we had decided to purchase the combine and started the process through email. We received the Sales Document via XXXX at XXXX and by XXXX we had received an invoice with a reference number and the Bank Wire information. We forwarded the information to our lending institution and they began the process of wiring {$22000.00} to them, which was sent on XX/XX/XXXX. we wired the down payment of {$5600.00} on the same date. On XX/XX/XXXX at XXXX we received an Email from XXXX XXXX XXXX with the shipping information and the delivery date of the combine. They were using their own trucking company. They also requested that we insure the combine which we did. The delivery date arrived, we waited to hear from the trucker. On XX/XX/XXXX we tried calling them at XXXX, XXXX, & XXXX, we finally spoke with whom we assumed was XXXX XXXX about when the combine would be delivered. He never returned our call. We called several times on XX/XX/XXXX & XX/XX/XXXX, our calls were blocked. On XX/XX/XXXX I placed a call to the Citibank Branch that their account was at. I spoke with XXXX different gentleman about my concern that my wired money was gone. Because I had the account number they were able to pull the account up and saw both of my deposit transactions and that the money was still there. He advised me to have my lending institutions immediately file a " Recall of Wire request '' Which I did. Within an hour both banks had filed it. They both also assured me that Citibank would not let me lose my money, that I was protected. That within 90 days my money would be returned. I have since tried to call them again, I can not get through to the branch. I did speak with a corporate lady she basically told me " too bad, so sad '' not their problem. She also gave me Citibank 's wire operation unit phone number, I could not reach anyone.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX, 2024, I sent {$200.00} via a money transfer company called TapTap with the expectation that the money would arrive in my account in XXXX within a minute. However, the money has not yet appeared in my account. Despite my repeated attempts to resolve the issue by contacting the company, the money still has not arrived. I have provided the bank statement from the foreign bank where the money was supposed to be deposited, but TapTap has neither refunded my money nor transferred it back to my USA account. Each day, they promise to resolve the issue, but I have yet to receive my refund.
Product: Prepaid card

I have {$1500.00} dollars missing from my Rushcard account, I have an email from dated the XXXX of XXXX stating the money will be refunded back into my account in XXXX business days. My account is still missing the {$1500.00}.
Product: Debt collection

I have a collection from ic system in the amount of {$310.00} dollars the account is XXXX by 15 us code 1692c if a consumer notifies a debt collector to cease further communication with the consumer the debt collector shall communicate further with the consumer with respect to such dept
Product: Credit reporting, credit repair services, or other personal consumer reports

For MONTHS now I have tried to chat in and call in with Transunion and XXXX. Explaining to numerous customer support agents that I have no trouble logging in but I can not access any of their websites services. Meaning, I can not look at a current credit report or my credit score or dispute any new credit companies or debt collectors. I am a victim of the XXXX breach, XXXX breach, and the XXXX breach. I need to be able to look at my credit report and keep an eye on things as I have had my identity compromised by these issues. Yet both Transunion and XXXX keep telling me they've " escalated the issue and will get it fixed '' They NEVER do. I keep getting notifications of new credit added to my credit report but there's a fraud alert and freeze placed on all three bureaus. So, I am trying to figure out how this is happening!! I can not get access! Transunion and XXXX could be allowing fraudulent accounts onto my credit and I can't do anything to verify it because of their error.
Product: Checking or savings account

I XXXX XXXX XXXX received an email on XX/XX/XXXX stating there was an applicatuin filled out at Wells Fargo Bank. I was not aware that my ssn # along with my son ssn # had been lost until my new job required me to have it this week on Monday XX/XX/XXXX. So I immediately contact the bank they have put all restriction and froze the account as well as closed it. They stated for me to contact the credit bureaus as well. I have reported it to the social security dept as well. 


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

The mortgage lender XXXX went bankrupt effective XX/XX/XXXX. As a mortgagee, my account was transferred to another lender, XXXX ( please see attached service transfer request from XXXX to XXXX ), however, my credit score unjustifiably dropped 24 points in XX/XX/XXXX, because the transfer was categorized as a " closed account ''. 

The account remains open and XXXX is now receiving the mortgage payments. I immediately disputed this with TransUnion, XXXX, and XXXX. My score only increased by a few points. I tried revisiting the disputes on XXXX XXXX but they did not have the option to extend my argument. 

This is in direct violation of the Fair Credit Reporting Act and I find it most disheartening as I work fervently to maintain an excellent credit score. I should not be penalized for XXXX 's inability to stabilize their financial infrastructure and for the record, a second time since its inception.
Product: Credit reporting or other personal consumer reports

[ Your Name ] XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XX/XX/year> Subject : Request for Removal of XXXX XXXX XXXX Account from My Credit Report I am writing to formally dispute the continued reporting of an account from XXXX XXXX XXXX on my credit report. This account has been on my report for more than seven years, and under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 4 ), derogatory accounts, including charge-offs and collections, must be removed from a consumers credit report after seven years from the date of first delinquency.

The continued presence of this outdated account is negatively impacting my credit score and preventing me from securing essential credit opportunities for everyday purchases. I kindly request that you investigate this matter and remove the XXXX XXXX XXXX account from my credit report immediately, as its continued reporting is in direct violation of federal law. 

Please provide me with written confirmation once this account has been removed. If it is not removed, I request a detailed explanation, including documentation verifying the date of first delinquency. If I do not receive a satisfactory response within 30 days, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. I appreciate your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Chase bank refused to properly authenticate the account and go through the full verification. The agent got an attitude then when i asked to speak to the supervisor she refused to verify the account for my own requests of adding a verbal passcode to the account the supervisor nor the representative verified the account fully. 

Supervisor name : XXXX Agent involved : XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) 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: Credit card or prepaid card

American Express card XXXX was fraudulently used. I have examined the following transactions and further state that the transactions were not incurred by me nor any person with my authority, either expressed, implied, or apparent, and that I have not received and will not receive, directly or indirectly any benefit there from. 

DATE : XX/XX/2020 U.S.AMOUNT : {$170.00} TRANSACTION ID : XXXX ESTABLISHMENT NAME : XXXX XXXX XXXX XXXX MO I submitted three fraud claims with American Express by calling their customer service number as instructed while logged in to my Serve account on their web site. 

I escalated to a supervisor each time my claim was rejected. Each time I reached a supervisor, the person who would only read the rejection letter and refused to answer my questions. I requested an escalation past the supervisor, was placed on hold for almost an hour and hung up on, never having reached a further escalation point.

All calls were answered by obvious English as a second language persons who were in an offshore call center. 

Dates of each fraud claim submitted for this single transaction : XX/XX/2020 XX/XX/2020 Initial claim XX/XX/2020 Fraud claim process followed : 1. Reported card missing on Serve XXXX app 2. Called Serve customer service and reported fraudulent transaction, opened fraud claim, told to await email with further instructions 3. Received email, submitted fraud declaration form via upload function on XXXX web site 4. Received rejection of claim letter via email stating that American Express fraud investigation determined that " No error occurred '' and made no mention of any actual fraud - of course this had nothing to do with error - it had to do with someone stealing my payment card and illegally using it to make a {$170.00} purchase and Serve from American Express refusing to honor any sort of or any level of protection from said fraud. 

AMERICAN EXPRESS HAS THE FOLLOWING TO SAY ABOUT FRAUD PROTECTION : At American Express, we work hard to protect you from fraud, but your active involvement plays a very important role. It is a good idea to regularly monitor your online account and statements for unusual activity. If you find a charge for a merchant with whom you did not conduct any business, then the charge could be fraudulent. Credit card fraud happens when someone makes an unauthorized charge with your account, which may happen when a card is out of your possession, lost or stolen. To learn more about the measures we take to help protect your account, as well as the steps you can take to safeguard yourself, visit our Security Center ... And remember, when you use your American Express Card, you're not liable for fraudulent purchases. 

" And remember, when you use your American Express Card, you're not liable for fraudulent purchases. '' IF THAT ABOVE STATEMENT IS TRUE THEN WHY IS AMERICAN EXPRESS BEHAVING LIKE A XXXX BY NOT HONORING THEIR WORD?
Product: Credit reporting or other personal consumer reports

I can not use my Experian portal. That is because after I log in successfully, immediately a screen appears forcing me to order a credit report. Because I do not want a credit report, the site will not let me conduct any further business and logs me out. This cycle keeps repeating itself when I try again. I have attached a vid as well as the letter I sent Experian requesting the problem be fixed. This was XX/XX/year>, and I have not received any email communications from them. 

This site will not allow me to upload the vid. Too large. Email me for it.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block this account which was opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX XXXXXXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

Sent a demand letter to company requesting verificaiton and validation of debt that they are reporting as mine., I also submitted a dispute through the credit reporting agencies. The reporting agenices were Transunion, XXXX, XXXX. They were made aware that the debt that was reported was not mine and that I did not open the account, that i did not authorize anyone or party to open hte account. That I did not benefit or will benefit in anyway from the account. I also made them aware that I notified the company / reporter of this debt to send me any and all verifciaiton and validation documentation ( including but not limited to my agreement to the obligation to this debt. They were also made asware that XXXX revceived no repsonse from said companyt. All three credit reporting agencies came back with no change in my report ; however, nothing else was given in regards to verifcaiton and validation documentation. Company will not provide any information showing that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

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

I am XXXX, XXXX, and am on Social Security XXXX. 
I have a checking account at Suntrust Bank. Friday, XXXX XXXX, 2015 my check book was stolen from my car at about XXXX XXXX in XXXX XXXX XXXX. I immediately called the police in XXXX XXXX XXXX because it was not an emergency, they called me back about XXXX ), and immediately drove to the XXXX XXXX Suntrust Branch. I told the teller what had happened. The manager was standing there and joined our conversation. The teller and I were discussing closing the account, and the manager told us not to. He said that it was better to leave the account open with a small balance and open a new account with the rest of the balance. He also told me he was putting warnings and blocks on my old account, and assured nothing could happen. I checked with the XXXX Branch Monday and Tuesday, and went there Wednesday because a check had been cashed on my old account in the amount of {$710.00}. They told me someone at a XXXX XXXX XXXX Suntrust had over-ridden the blocks on the account, overdrawn the account, and cashed the check. I made a report to their fraud department at Suntrust while at the branch. The person taking the report was more interested in gathering information that would protect the bank, than finding out what had happened. She said that I was at fault because I had not closed the account, even though I told her I followed the Branch managers instruction. Fortunately the assistant manager got on the phone and verified what happened. They said they could not close the account because it was now in negative balance. During this time, my automatic deposit paycheck was put into the old account against the negative balance. They continue to bill overdraft and other fees. Again, I now have to call, or go to the bank for information because I do not have access to the account. 
I have been on the phone with the fraud department twice. The policy is that you can not talk to the investigators, so I spoke to the manager of the fraud department. I had a strange and senseless conversation that included being able to put the money back into my account for two days, but then there would be overdraft fees. She finally said she could send messages to XXXX of the investigators to prioritize my case. That was four days ago and I have heard nothing. I no longer have access to the old account online. When I spoke to the XXXX branch manager, he said that he had not heard from anyone and that he had called the XXXX Suntrust branch where the check was cashed and that they could not figure out who had cashed the check. 

I have never experienced such an escalating series of manager incompetencies, poor communication, and mangling of customer service ( except for the teller and assistant manager at the XXXX. Suntrust Branch- they were helpful and informative ). I have made the proper reports to the police. 

Please, please HELP! I only have {$27.00}, It 's XXXX, and do not get paid until XXXX ... 
Advice : Avoid Suntrust like the plague XXXX XXXX XXXX XXXX Contact information for : XXXX XXXX Suntrust Branch, XXXX XXXX, manager XXXX Suntrust Fraud manager, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the information listed on my FTC report
Product: Checking or savings account

I am writing to dispute a series of unauthorized overdraft fees that have been charged to my Chase Bank account. I have discovered these fees on my recent account statements and believe they were incurred without my consent or proper disclosure, potentially violating federal banking regulations, I am formally requesting a full refund of the fees in question and a comprehensive investigation into the circumstances surrounding these charges to ensure compliance with applicable laws and regulations. Please find attached copies of relevant account statements and any other supporting documents to assist in your review.