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

I got a notification on My phone from XXXX for {$16.00}. This charge I had no recollection of authorizing. I call Chime to dispute or stop the transaction. Chime informed me that I could not do anything about this, because the charge was still pending. I Chime customer service informed me that I could call XXXX XXXX try to get the charges stopped or refunded. So I XXXX XXXX and I hit the first link I saw it said XXXX Customer Service this the phone # XXXX ( XXXX ) XXXX. Someone answers an says how can I help You. I tell them about the unauthorized charge from XXXX the XXXX  rep. says he can help with this. He says in order to refund you I need to download XXXX. I'm not computer savvy like most people are today. I do as ask & he also walk me thru the process of installing it into my phone. Once installed the XXXX  rep. says he is transferring me to their refund department. Once there a XXXX XXXX XXXX answers. I tell him about the charge. I have been on the phone for close to 30 minutes at this point. The call was bad & disconnected. However the XXXX XXXX called back from phone # XXXX. We continued speaking about the charge & that I wanted it canceled. He said he could help an asked is the XXXX & my Chime account open. I reply yes. He tells me all my account funds must be in my checking. I ask why. In my Chime account I had checking : {$56.00}, credit : {$93.00} & savings : {$1400.00}. Which totalled {$1500.00}. At this point he had total control over my account. He moved everything in checking. I ask why. His reply he is just doing his job & said the money will be put right back. My wife over hears this and says this sounds like a scam. We notified them that we were calling the Police, which we did after I called Chime. This is where I have an issue with Chime. Chime would not stop the {$1500.00} transaction saying it already went thru. Even after I told them this is a scam/fraudulent transaction. I couldn't stop the XXXX charge because it was still pending. I can't stop the fraudulent scammers transferred because it went thru. Which is it? Any other Bank would of stopped the transaction or credited back my account. I also sent Chime a Police Report I filed with the XXXX Police Department for the fraudulently scam case # XXXX. Chime has rejected my claim three times. I talk with Chime Reps. across the world to no avail or I can not understand their language. I understand how this may look. However in the moment all I was trying to do was stop the unauthorized charge of {$16.00} & thought I was talking with XXXX. I have never had any fraudulent activity or is this a recurring issue for Chime to have denied my claim. I honestly hope this issue can be resolved. I have been a loyal customer of Chime. However it seems they do not value that.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. The following Information is fraud. 
FRAUDULENT ACCOUNTS : XXXX XXXX  BALANCE : {$34000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX BALANCE : {$450.00} ACCOUNT XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$5000.00} ACCOUNT NUMBER - XXXX Date opened - XX/XX/XXXXXXXX XXXX XXXX XXXX BALANCE : {$320.00} ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX SOCIAL SECURITY ADMINISTRATION BALANCE : {$000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX FRAUDULENT INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The automatic payments on XX/XX/22 did not get made. More than a week later a returned check fee and interest charges appeared online but was back dated to XX/XX/22. Called customer service who insisted either I or my bank changed something that caused the fault and therefor I am being charged Fee 's and interest. I pointed out that I have several cards and all payments are always made both before and after their claim that the payment was returned by my bank. I checked with my bank who said they have no record of any attempt by bank of the west to process the payment and yet bank of the west is charging a return check fee. After several hours and phone calls Bank of the west claimed it was a computer error and the fee 's and interest should not have been charged but the charges were never reversed, some even claimed the charges were already reversed. I asked for written confirmation that the charges were either disputed or reversed and received a letter dated XX/XX/XXXX that the fees were valid and past due. In more than twenty years no company I have automatic payments with has ever had a problem and now this is the second time Bank of the west has failed and claimed I am the problem.
Product: Credit card or prepaid card

I called the CFPB a few times and unfortunately must file this complaint. I called Discover the night I saw on the front of my phone the outrageous charge of XXXX and went in shock. I don't do fancy stuff for myself, and went to this spa, and this woman said it would be XXXX dollars. She charged me another XXXX or so for some XXXX pads, and I tipped her cash another XXXX dollars as well. She writes a receipt on an old fashioned pad and gives me a copy. She put some papers in a bag. She rented a room out of a doctors office and canceled on me numerous of times. The invoice was all scribbled on and had a row of numbers at the top. Nevertheless, Discover reused to acknowledge this was fraud, and filed it as inaccurate. They reverse the charge back to my card, and I contact them. I upload the receipt to them and spend all day on a Saturdays trying to email the receipt, finally I get it to them by way of the XXXX store 's fax. I call to confirm on Monday, and I am told after being told on Saturday if I get them the invoice, they will happily just come to a resolution and can see this was not right. The woman re-wrote her receipt and made the transaction of it instead of being XXXX to XXXX and I proved she inflated this whole transaction. The invoice numbers were forwarded too, and she backdated the new receipt. Discover still after speaking with a new person the following Monday decides to renege on their word immediately! I then was angry and decided I can't trust this company at all, and had to close my account. This has impacted my credit. Today, I also receive a personal loan for XXXX dollars as a courtesy, but Discover decides to block me from calling them on any of their numbers because I insisted on asking for their legal department, asking for their terms and conditions in which they refused to give, asking for a supervisor to call me back in which never did, asking for a formal complaint, and they refused to give me the headquarters address as well. Discover is full of fraud themselves and is not showing any transparency themselves. I have left a message on their attorneys line and this sparked an outrage from yesterday! I have worked in superior court many years and have filed thousands of documents and know exactly how to navigate a system. Their completely out of control. The more I called the more I found out they would just leave me on hold and never come back on the line. This is brutal and I have plenty of years of credit cards to know there is something seriously wrong.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account XXXX : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following Unverified accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. & 1681 your company is required by the federal law to verify- through the physical verification to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my signature on it ) that you use to verify that the account belongs to me the first time you report the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C & 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following account be verified or remove Immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize any of these companies to run my credit.
Product: Student loan

I have been enrolled in an income re driven payment plan with XXXX since XXXX, XXXX was suspend due to a civial fraud case with the FTC and XXXX had not received any money from. Therefore i have been paying XXXX since XXXX for nothing, the money has gone no where. XXXX was suppose to pay of the loan upon agreement, after i paid half the loan and paying XXXX a fee at the beginning of this process. I had asked for documentaion about 6 months ago and all the sent me was from XXXX forward, i needed this info for hospital spin down payment process, that was pulling teeth to get that documentation.
Product: Credit card

I had multiple fraudulent charges on my credit card and reported it to Capital One as soon as I saw. They held me liable for charges claiming that they could not prove that it wasnt me or someone in my household. I filed a police report and the investigator asked for exact times of transactions as he had dealt with numerous cases like this before and credit card companies have always provided this information. When I asked Capital One for this information they said they were unable to give me any timestamps. Without this information the investigator could not help me any further into looking at camera footage and ultimately finding the perpetrator. Capital One is still holding me liable for the transactions I did not make however will not comply with the investigation that I am desperately trying to resolve and prove my innocence.
Product: Student loan

I have been unable to access my account, file a complaint, or raise concerns about how my information has been handled during key date and times of the cybersecurity attack. On approximately XX/XX/XXXX, the US Department of Education was unlawfully accessed and consumed by XXXX XXXX and his unofficial team. I did not, and at no point now or in the future, consent to any third parties access to my information outside of the US Department of Education. Since the event occurred, any and all access to my account and complaint and concern avenues have been blocked from access. I believe that the events listed have been a violation of the Gramm-Leach-Bailey Act ( GLBA ), the Privacy Act of 1974, Computer Fraud and Abuse Act ( CFAA ), Federal Trade Commission Act ( FTC Act ), and Higher Education Act ( HEA ), Title IV and I want this investigated to the fullest extent of the law. If these laws are confirmed to have been violated, I would like legal action to be taken on any affiliated members or institutions and for them to be persecuted to the full extent of the law, for my consumer protections to be resumed, for any impact of such lawbreaking to be rectified by parties who broke the law, and for any remaining balance of these loans to be canceled and discharged to prevent further damages.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I value your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Credit card

I opened a credit card account with Capital One. I chose Venture card as it was the most attractive option for me. The most attractive feature of the card was the lack of foreign transaction fee because I 'm often overseas for work and other matters. 

When I applied everything went without a hitch, and I was approved instantly as I have an excellent credit rating. But when I tried to activate the card, the card was " frozen '' for fraud alert -- I 'm not sure why that was the case since nobody from Capital One bothered to tell me despite my numerous requests -- and Capital One asked for my ID, SSN card and some kind of statements, etc. to prove that I 'm who I am. I was advised that it 'd take XXXX business hours. 

It 's been more than three business days. Nobody has any answers for me. XXXX of the reps promised to call me with an update, but they never did. I presume they have the recording of our calls. Their online help on XXXX is also unhelpful. 

If Capital One was worried about my identity, it should 've asked me to submit all the documents, etc. when I applied, NOT after I already got the card. Furthermore, I detest the way the representatives from Capital One would n't tell me anything, treating me like I 'm a scammer, despite the fact that I had to verify my date of birth, SSN and other information provided at the time of application. According to them, scammers know a lot of information about their victims. If so, they did they accept my application and approve it? 

I 'm currently overseas right now. I was hoping to be able to use the card and take advantage of no foreign transaction fee, but apparently that 's not going to happen. 

I also was n't given any promise that their system is secure and that my ID and other documents provided to them to verify that I am who I am wo n't be stolen off their server.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.
Product: Credit reporting or other personal consumer reports

There are 7 plus hard inquires on my credit report that I never authorized and it fraud. I reached out to the companies and told them its fraud and XXXX  never authorized these inquiries but they wouldnt do anything to remove it. I want them removed asap. 

XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX Td retail card service inquiry date XXXX XXXXXXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE BANK USA, N.A. without my verbal or written consent accessed my credit profile via XXXX XXXX and XXXX  XXXX ( XXXX ) separate times on at least these dates : XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I have on several occasions in good faith attempted to resolve this matter via documented telephone calls, U.S.P.S. Certified written NOTICES with Affidavit attached and emails, to no avail. I expressed my frustration with the situation and the several FCRA violations that were committed. 

At this time as an injured party I would like resolution and relief for these blatant violations and willful non-compliance as clearly stated in the FCRA. Also for CHASE BANK USA, N.A. to put  safeguards in place so this does not happen to any other consumers ... especially consumers like myself who have never had any prior Creditor-Debtor relationship with CHASE BANK USA, N.A.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent letters to Transunion requesting an investigation into the information reflecting on my credit file. They never responded to my request so on XX/XX/XXXX, I filed a complaint with CFPB ( complaint # XXXX ) regarding Transunion failure to obey the law by violating my consumer rights. According to USC 1681i ( a ) ( 1 ) ( a ), '' if the completeness or accuracy any item of information contained in a consumer 's file at a consumer reporting agency directly or indirectly of such dispute, the agency shall conduct an investigation to determine whether the disputed info is inaccurate and record the current status of the dispute information and/or delete the item from the file before the end of the 30-day period. '' Transunion failed to follow this law and they are continuing to disregard the law, clearly!! 

On XXXX XXXX I received correspondence from Transunion addressing 6 of the 16 items that was disputed. The letter had a date of XX/XX/2023 ( coincidentally ) but one of the items that was listed in this letter from Transunion, was not removed from my credit file until a day later on XXXX as my membership with myFICO informed me of this changed on that day. So basically, not only did this company fail to respond within the 30-day period allowed by law, but they also then tried to cover it up by only responding after my complaint to CFPB was filed! I have the proof of this and will attach it to this complaint as well as the original complaint.
Product: Credit reporting

I spoke to a rep over the phone and told her that I have disputed the XXXX account before and has come back verified. The rep stated she will submit a request and make sure to add that this account is not an unsecured account and the company will have to either update it to reflect wha the account really is or delete. I have previously sent in disputes as well disputing that I do not have an unsecured loan with XXXX XXXX XXXX. I sent in verfication from XXXX XXXX XXXX bwith documentation from the creditor that is not an unsecured loan. The results came back as paid and closed. No one is addressing that the account is reporting incorrectly. I do n't have an unsecured loan with XXXX XXXX XXXX. According to the Fair Credit Reporting Act that the credit reporting agencies provide you in the credit report that is sent out in the mail. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within XXXX days. However, a consumer reporting agency may continue to report information it has verified as accurate. XXXX XXXX XXXX did not verify that I have an unsecured loan with them. I called XXXX XXXX XXXX XXXX/XXXX/15 at XXXX ext XXXX, spoke to a representative that stated the reason the credit report is showing XXXX XXXX is because they do n't have any other options to choose. The explanation that I was given of this action that has taken place on credit report is not my fault and supposed to be removed for reporting false information.
Product: Debt collection

I am filing this complaint because I believe that I am a victim of the practices outlined and admitted to by Chase Bank USA NA in the settlement of XX/XX/XXXX. OnXX/XX/XXXX Chase Bank USA NA assigned a judgment it obtained against me to XXXX XXXX. Chase sold this Judgement in a large bundle for 1.02 ( one and two one hundredths ) ( % ) percent of the Judgment Balance of the Accounts which are the basis for the Judgments then being sold. ( It should be noted the XXXX did not file its corporation papers with the state of Florida until XX/XX/XXXX. ) XXXX in turn assigned this judgment and many others to XXXX XXXX XXXX on XX/XX/XXXX. As a consumer with limited understanding of the law I was unaware that Chase had assigned its Judgement toXX/XX/XXXX or that XXXX had then assigned the Judgement to XXXX XXXX XXXX. On XX/XX/XXXX unbeknownst to me XXXX XXXX XXXX started new collection efforts under Chase Bank USA NAs original court case. I believe the assignments being used to pursue collection efforts are fraudulent and believe that the settlement Chase Bank USA NA agreed to was designed to protect and prohibit consumers from further damage stemming from there admitted illegal collection practices. On XX/XX/XXXX Chase Bank NA USA executed a garnishment on my bank account. Unfortunately XXXX XXXX XXXX has now received a garnishment on my bank account leaving me with very limited means to receive legal assistance. My questions to the CFPB is why is Chase and the companies it sold these accounts to still able to proceed with collection efforts?