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

I am writing to file a formal complaint against Chase Bank regarding their actions concerning my Social Security benefits. On XX/XX/year>, a direct deposit of {$XXXX} from my Social Security XXXX benefits was allegedly rejected by Chase Bank and purportedly sent back to the Social Security XXXX XXXX Treasury Department. However, after nearly XXXX months, the XXXX has confirmed that they have not received the funds back from XXXX. 

Today, upon contacting Chase Bank 's XXXX department, I was informed that they had garnished my Social Security check to pay off a debt owed to XXXX. I want to emphasize that I do not acknowledge nor believe that I owe any such debt to Chase. Furthermore, it is my understanding that under federal law, Social Security benefits, including Social Security XXXX payments, are protected from garnishment by most creditors, except in very specific circumstances. 

This situation has caused me significant financial hardship and emotional distress, as I rely on these benefits for my basic living expenses. I am deeply concerned about XXXX 's handling of this matter and their apparent disregard for federal regulations protecting Social Security recipients. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Chase Bank complies with federal laws regarding the protection of Social Security benefits. Additionally, I seek assistance in resolving this issue promptly so that I XXXX receive the Social Security benefits rightfully owed to me without further interruption. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this troubling situation.
Product: Credit reporting or other personal consumer reports

I have contacted the companies and agencies about the inquiries on my credit report that I do not recognize but they refuse to remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have card.comto received my SSA benefits and every month they are charging me a XXXX fee another fees for this card I suppose to get my check 5 days before the XXXX of month And everytime I call in they will not let a supervisor and they are stealing money out of my account every month
Product: Credit reporting or other personal consumer reports

This letter is to report XXXX. My identity has been stolen and the person who stole my identity was able to access my XXXX account and unfreeze my credit. I was never able to speak with anyone from XXXX to ensure a fraud alert or reinstate a credit freeze. I am still not able to sign into my account and there is no option to speak with a customer service agent. I do not know if the person who stole my identity is using my credit with this agency and applying for credit as if they are me. I went through two weeks of someone breaking into my accounts by changing the email addresses and passwords- this can even be done over the phone. This is criminal and security is lax with no regard for actually protecting my sensitive information. 

The person who stole my identity was able to access all three of my credit reports, and change my email address by putting in a fake one. They then were able to receive notices for codes to get into my accounts. The two factor authentication security methods and special code words were able to be bypassed by XXXX, Transunion and XXXX. NONE of the three credit reporting agencies were responsible enough to not keep my information safe. 

After two weeks and sending in a lot of sensitive information that these three agencies ( XXXX, XXXX and XXXX ) say they are trying to protect, I still feel they have not addressed my concern and they are failing to protect my identity. XXXX is especially at fault because there is not way to speak with an actual human in customer service to report fraud and get extra protection on my account.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting ( please see attached )
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

previous compliant XXXX Where is the method of verification with my original signature on it to support these accounts. This is fraud if you can not supply then these must be deleted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX  on XXXX XXXX XXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was a CHARGE OFF COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ( Original Creditor:XXXX XXXX ) XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Checking or savings account

On XX/XX/2022 I had called in to CitizensBank to close my account due to no close branches near me. Whats the Customer service agent told me having a 2 account checking account and a savings account I should transfer all my money from my savings account to my checking account and then closing both account out. My account is closed but I never received my remaining balance in the account. I called numerous time every two weeks to check on the status each time through to someone new on the phone I have been told to just wait two more weeks waiting after 3 months is my max and I dont know what to do. Each time I tried to contact CitizensBank I have been told the same thing we apologize but your checking is coming please wait 2 more weeks. Also each time I called they confirm my address and as of today Im still receiving statements so Im sure they know my correct address
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I called and requested a copy of my Consumer Disclosure Report and I only received 2 pages from LexisNexis by mail. One page was an introduction page and the other page was intentionally blank, still no copy of my report. However, I called again on XX/XX/2020, and requested a copy of my Consumer Disclosure Report and LexisNexis mailed me only 2 pages. One page was an introduction page and the other page was intentionally blank, still, no copy of my Consumer Disclosure Report I requested after a creditor ( XXXX XXXX XXXX ) used their services and I was denied new credit.
Product: Credit card or prepaid card

My girlfriends mom gave me a Netspend Debit Visa in XXXX XXXX with XXXX dollats in funds. The label on the card stated that TO ACTIVATE : download the Netspend Mobile App or go to netspend.com/activate or dial XXXX. I attempted activating the car online in XX/XX/XXXX. I received a message stating that I needed to call customer service. I asked my girlfriend to call the number provided on the card to activate it. The phone number on the card showed as XXXX. When my girlfriend called XXXX on XX/XX/XXXX, the customer representative asked for the last four digits on the card. After receiving the last four numbers, XXXX, the representative told her that the balance on the card had expired. The representative stated the card had a balance of {$0.00} dollars. My girlfriend replied how has the card expired if the card states good through XX/XX/XXXX. The representative stated that the date XX/XX/XXXX is the date that applies to the store being able to sell the Netspend Debit Visa at the store. The representative stated that the funds had already expires. I submitted a customer compliant via email on XX/XX/XXXX to XXXX. I have reviewed their terms and conditions available online. 
A XXXX XXXX expires one hundred and twenty ( 120 ) days from the date you successfully activate it. Until its expiration, funds may be added to the Temporary Card using only the in-store cash value load methods described in the paragraph labeled. 
Source : https : //www.netspend.com/account/terms/BOI_MC_Quick_Access % XXXX I have concerns about how Netspend defines activation on the product label. Based on the product label, a reasonable person would come to the conclusion that the card is not activated since he/she has not called the phone number, accessed the website or downloaded the app on the label. I believe that by having on their website, but not the product label that the expiration is 120 days, they are enriching themselves using other individuals funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts or inquiries listed here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Navy Federal will not let me use or close my savings account with them. I 've spoken to them in branches and on the telephone. They say it is against policy to close savings accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 at XXXX XXXX. I contacted Amsher Collection Services about a past due account, We agreed upon a settlement amount with the conclusion that they were to send me a letter stating a {$0.00} balance and that it is to be removed from my credit. Although they tried to get me to pay the full amount AFTER agreeing to pay the settlement amount of {$760.00}, To date XX/XX/2018I have not received the letter. I contacted them again XX/XX/2018 and was told to email the supervisor XXXX, I have emailed twice, and once through their website this morning ( XX/XX/XXXX ), and called again on XX/XX/2018 at XXXX. Today ( XX/XX/XXXX ) I was told during a phone conversation that the manager just came in and once they opened their email they would respond to my emails, again they have failed to respond. Every time I have called in I have been notified that all calls are recorded so someone needs to go back and listen to their calls
Product: Debt collection

In violation of the rules and regulations of the united states consumer financial Protection Bureau., someone left me a message. It looks to me that it is male based on the consistency of his voice. He claimed that he is from the Executive office of Bank of America. There is no caller ID number which could prove whether it is from the bank or " No Number '' do not show my number. It implies that there is eavesdropping which is organized by evaders or their unconventional wisdom., which is fundraising trick as hot as is., in this election cycle. Would anybody let anyone leave message with no communication or FCC rules and regulations respected? I do.
Product: Debt collection

I have not done any business with this company and dont know where this debt is from. I would like a copy of the contract that says I owe this company any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have a mortgage account of Wellsfargo. When I checked my credit report, I see 3 bureaus note that I pay this account late one time in 2013. I work with Wellsfargo and they admit they are wrong and remove late payment right away. However, this is still in my credit file even I had disputed several times with these bureaus that I have never paid this account late and I have evidence to show that.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

I was severely affected by Covid19 and asked for assistance during the months of XXXX via phone and email. I was barely able to make the minimum payment and did my best to prevent if from being charged off. I even made payments with my grocery money, and they still would not offer a deferral, or any other forgiveness option. They repeatedly ignored my situation or said it was not an option for any of my 13 charged off loans. A majority of the conversations were recorded over the phone, but I sent a few emails in regards to this.
Product: Debt collection

Recently in XXXX I checked my credit score and noticed it was low. It stated I had a deliquency from Midland Credit. I received mail from them before but assumed it was spam mail. In late XXXX or early XXXX, once finding out about my credit score I gave Midland Credit a call and they stated that it is from a credit card from XXXXXXXX XXXX  which I never have because I have my trusted bank XXXX credit card. They stated that these charges dated back since XXXX. I believe this may have been an act of identity theft. I never applied for any cards. I tried to dispute the claim with Midland Credit but was denied. I called again recently in XXXX to continue disputing and referred me to this website. For years this credit score is ruining opportunities.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX & XXXX has not responded to the previous dispute within 30 days.
Product: Vehicle loan or lease

I Settled with my lender years ago on paying off the vehicle and now its some new lender i never heard of i see saying i owe them the total amount. I never was contacted by any one because this was settled.
Product: Checking or savings account

On XX/XX/XXXX, my phone was stolen and was being used for unauthorized purchases using apps that were on my phone. I received an email and was able to use a computer to deny one transaction. That same night I was XXXX and taken into XXXX. I spent about four months in XXXX XXXX I was released on XX/XX/XXXX. While in XXXX I still had direct deposit from my employers. Two paychecks had been deposited while I was in XXXX On the XXXX of XX/XX/XXXX, I went to a Chase bank to see if any of transactions actually went through. Unfortunately, many fraudulent charges had gone through using my XXXX, XXXX, XXXX, XXXX, XXXX and XXXX accounts. I explained to the banker my situation and that all those purchases were unauthorized. At that point my account was already closed due to being overdraft by- {$1000.00}. She attempted to call the fraud department to get my situation resolved. I was asked to provide proof of me being in XXXX. At that point, I talked to my lawyer and was able to get a print out from the court proving that I was in fact in XXXX from XXXX of XX/XX/XXXX to XXXX of XX/XX/XXXX and could not authorize any activity. I also called the app companies to make them aware of the situation so that they could create an investigation and help my banks to determine that it was fraud. I also filed a police report. I was later contacted by the apps individually that those were indeed fraudulent charges and that they would let the bank know that the money would be returned. Chase then sent me a few checks with only a portion of what I had in the bank without any proper explanation. On the XXXX of XX/XX/XXXX I went to Chase to see any updates due to the checks arriving in the mail. I figured the rest of the money was still being sent by mail. The bankers then called the fraud department and were told that all the charges were determined to be authorized and that there was no fraud. The only explanation I was given was that I authorized the purchases over the phone during the time I was in XXXX. With the money I had prior to my XXXX plus the two paychecks that were from direct deposit, I had a total of {$1200.00}.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE LOOK INTO WHO DEPOSITED A " FISH AND BATE '' CHECK INTO MY ACCOUNT OF " CHASE '' IN XXXX. THAT CAUSED MY CHECKING ACCOUNT TO BE BLOCKED AND CLOSED. THANK YOU. 
P.S. I HAVE CLOSE TO {$80000.00} US DOLLARS IN MY ACCOUNT. AND " EFT '' THAT WAS NEVER CREDITED. AND A BOUNCE CHECK FOR THE AMOUNT OF {$27000.00} WITH " XXXX XXXX '' ( WHICH BELONGS TO XXXX ). AND THEY PUT A " FRAUD '' CHARGES ON MY ENTIRE CREDIT CARDS AND THEY ARE NOT WILLING TO FIX IT OVER THE PHONE EITHER. PLEASE LOOK INTO IT AS SOON AS POSSIBLE. 
THANK YOU. 
" XXXX '' AND I HAD A " EFT '' DONE TO MY XXXX FOR THE AMOUNT OF {$5000.00} BY XXXX XXXX  AND IT DISAPEAREARED. 
THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint. My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the accounts that are still reporting on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been fighting to get my life straightened back around since I found out I was the victim of identity theft. This has been doing really well with my disputes aside from XXXX from XXXX. From my research online, it appears to be some sort of pay as you go type of charge account. I have sent XXXX XXXX theft avadavat letters which none have been responded to as required by law. I am unsure how the credit bureaus are getting any verification from them, when they are not responding to me, unless the investigation is truly not happening. I finally was able to get communication from XXXX via email in which they found the account did not belong to me. I supplied this information to XXXX and Equifax on my last round of disputes and it still has not been removed. I am not sure why this incorrect information is intentionally being left on my credit file even though the creditor itself states that it is incorrect and XXXX and Equifax was supplied this information. This incorrect information is causing pernicious mental and financial harm to my family and needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$29000.00} XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX