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

To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX Address : XXXX XXXX, XXXX, Texas Date : XX/XX/XXXX Subject : Complaint Regarding Refusal of Refund for a Fraudulent XXXX Transaction by Chase Bank Dear XXXX , I am writing to file a formal complaint against Chase Bank for their refusal to refund a fraudulent transaction that occurred via XXXX on XX/XX/XXXX. I believe this refusal is inconsistent with recent policies adopted by banks under pressure from lawmakers and the CFPB regarding reimbursements to victims of imposter scams. 

Incident Details : Date and Time of Incident : XX/XX/XXXX, at approximately XXXX XXXX Description of Fraud : An individual impersonating a known friend and coworker, XXXX XXXX, contacted me through XXXX XXXX, requesting a short-term loan of {$200.00} to be sent via XXXX to an email address ( XXXX ). Believing the request to be genuine, I transferred the amount. 
Immediate Action : Upon realization of the fraud, I immediately contacted Chase to report the incident and request a reversal of the transaction. However, Chase declined my request, stating that they could not reverse transactions made through XXXX. 

Basis of Complaint : As per the article referenced ( XXXX, [ date of article ] ), it was reported that banks participating in the XXXX payments app, including JPMorgan Chase, had begun to relent in their refusal to pay back victims of imposter scams. This change in policy was a response to legislative pressure and the involvement of the CFPB. It was highlighted that the Federal Trade Commission identified imposter scams as the most reported fraud category across all payment types in XXXX. 

Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX, the operator of XXXX, has implemented mechanisms for banks to claw back funds from recipients accounts to reimburse victims. These measures were taken as part of a broader policy to combat fraudulent activities and protect consumers. 

Request for Resolution : Given these developments, I respectfully request that the CFPB intervene in this matter to ensure that Chase Bank adheres to the evolving standards and policies regarding the protection of consumers from fraudulent transactions, especially those involving XXXX. I am seeking a full refund of the {$200.00} fraudulently taken from my account. 

Your prompt attention to this matter would be greatly appreciated. I am prepared to provide any additional information or documentation as required. 

Thank you for your assistance. 

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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; Medical XXXX Balance : {$210.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

The original debt was with XXXX. The account was opened XX/XX/XXXX, and was purchased by Midland Credit Management/Midland Funding on XX/XX/XXXX. The last payment made to XXXX was XX/XX/XXXX. This debt is beyond the statute of limitations allowable for collection. 

Colorado law states the following : " ( 1 ) The following civil actions, regardless of the theory upon which suit is brought, or against whom suit is brought, shall be commenced within three years after the cause of action accrues, and not thereafter : ( a ) All contract actions, including personal contracts and actions under the 'Uniform Commercial Code ', except as otherwise provided in section 13-80-103.5 ; ( l ) All actions of debt under section 40-30-102, C.R.S.... '' Therefore, Midland Funding is unlawfully pursuing payment for an old debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted through dispute letter and vocal communication multiple times, both First Interstate Bank and XXXX. both blame each other for being unable to remove errors or delete incorrect accounts. First Interstate Bank has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an XXXX report which has been verified by First Interstate Bank. The XXXX Report is dated XX/XX/XXXX. The Confirmation XXXX XXXXXXXX. The account from First Interstate Bank reported in the XXXX report is Account XXXX is XXXX. I contacted First Interstate Bank to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX. There are many errors on this account. The Credit Limit is also blank and missing information ( Error 1 ). The Months Revd is XXXX which for this loan is Incorrect ( Error 2 ). XXXX XXXX XXXX is blank and missing information ( Error 3 ). The Date of Last Activity is Reported as XX/XX/XXXX, this is Incorrect ( Error 4 ). The date of XXXX XXXX XX/XX/XXXX is also incorrect ( Error 5 ). The Actual Payment Amount is Missing ( Error 6 ). The Scheduled Payment information is missing ( Error 7 ). Date of 1st Delinquency is blank ( Error 8 ). Date XXXX XXXX XXXX reported is missing information ( Error 9 ). This account according to First Interstate Bank was opened XX/XX/XXXX with the last payment reported XXXX ( 2 years later ), Yet there is no payment history. The payment history is missing ( Error 10 ). by law FCRA Sections 609 and 611 require creditors and credit reporting companies to report information accurately and correctly. The account is to be deleted from the consumers report. This report has many mistakes.
Product: Checking or savings account

Since, XXXX, I've been having problems logging into my online Bank of America account via the app or XXXX. It seems I'm blocked from the app ( see images ) ; and online everything pops up in html format. 

So, I walked into the XXXX, FL branch and brought this issue up to XXXX. She is my witness that I had to uninstall my BOA app, download it again, use the Branch 's wifi. Initially, it wouldn't even work with the Bank 's " secure '' wifi ; and then it worked. 

Now it does not work again. It didn't work yesterday either, XXXX. Therefore, I'm submitting this complaint. Please have the Bank 's IT department fix this problem. I don't want think this is premeditatedly being done to me. I just want to believe it's a network glitch. Either way, please have this online problem fixed. Part of banking with BoA is having the ability to manage my account online ; and I am the real account holder. 

Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. This letter serves as a formal dispute regarding these accounts. I have directly contacted all the companies involved and have followed the necessary steps advised to resolve this issue. I have also filed an identity theft report with the FTC and have initiated the dispute process with the companies. Your assistance in resolving this matter would be greatly appreciated. 


I request that you investigate the following fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Amsher Collections Svcs {$1700.00} supposedly opened in XX/XX/XXXX for a XXXX XXXX in which i have never had XXXX XXXX i have had XXXX XXXX   since XXXX and have never applied for other cable service. I have called XXXX XXXX and they said they couldnt find my name in system so i asked why was my information sent to collections and they said they would look into it an call me back that was back in XXXX it is now XXXX. Also i called collections Amsher left about four voicemails due to no answer and no call back as of yet. I need this item removed from my account ASAP .XXXX just went by what Amsher Collections told them which i dont think its right. i need to see who used my information or signed supposedly to get XXXX XXXX account.
Product: Debt collection

I have been contacted, interrogated and harrassed daily and numerous times a day and by a collection agency, XXXX XXXX located at XXXX XXXX XXXX, XXXX, NJ The phone numbers they are calling from is XXXX, XXXX, XXXX amongst others I can not retrieve The debt they claim I owe is for XXXX XXXX for a balance of mileage on a previous lease. I have never received a letter from this company however I do acknowledge the debt. I offered to pay {$50.00} per month and a man named XXXX refused to accept. He has repeatedly called my phone, my daughters ( who was a cosigner at the time ) and her husbands phone as well every day, several times per day. 
I am dealing with my sick husband at this time and can not deal with this harassment any further therefore would like to file a compliant. I have no problem trying to resolve this debt but will not tolerate the abuse and poor way I have been treated
Product: Debt collection

I am so upset this unknown company keeps harassing me by phone, US mail and other mediums about a debt that I do not owe. They stole my nonpublic personal information and are invading my privacy. I have a right to privacy and I did not authorize this company to use my private information. I wish to be left alone immediately. I wish for my information to not be used by this company in any ways. This is my property and I do not wish for this company to contact me anymore.
Product: Checking or savings account

Over the past two years, chase bank has been incapable of protecting my account from online fraudulent charges. Each time this happens, Im inconvenienced by this, by the lack of funds and having to get a new debit card. My purchases are the same each month, I dont stray from my monthly spending, and am careful with my transactions. This recent occurrence has left me with negative funds and fees from my bank. I filed a claim, was told it was taken care of, only to wake up to the charges being reversed with no notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items : XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED PROOF TO 3 CREDIT REPORTING AGENCY 'S THAT COLLECTION AGENCY XXXX XXXX XXXX. WAS REPORTING FALSE INFORMATION TO ALL 3 CREDIT REPORTING AGENCY 'S THE DEBT WAS PAID I DO NOT OWE ANY DEBT TO XXXX XXXX XXXX I HAVE TRIED REACHING OUT TO THE 3 CREDIT BUREAUS AND THEY REFUSE TO REMOVE NEGATIVE REPORTING FROM CREDIT REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THIS IS A LIST OF FRAUD INQUIRIES XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX  XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX INQUIRY DATE XXXX Removal date XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit card

On XX/XX/XXXX my Chime Credit Builder card was stolen and the criminal proceeded to charge a total of {$2100.00}, depleting the deposit provided to Chime as security for this account. I wasn't aware that the card was missing until I recieved an email at XXXX on the XXXX that a charge was declined at XXXX in the amount of {$150.00}. After verifying that my account did have insufficient funds I immediately contacted Chime support via their messenger platform in the app. At that time the customer support representative canceled the XXXX XXXX  and issued a new one. This representative also assured me that my funds will be replaced within 5 to 7 business days. Three days later I contacted Chime via phone to confirm that they were putting my funds back in my account. It was at that time that I was informed I needed to file a dispute on the track. I was also informed that it could take up to 90 days for my dispute to be resolved. Less than 24 hours, my dispute was denied. In an attempt to file a rebuttal, I uploaded my police report in hopes that this would be sufficient to support my dispute and return the funds to my account. I was then denied a second time. Upon receiving this denial, I asked the email what documents or information would be needed from me. I have yet to get a response from Chime
Product: Student loan

I have been in contact with Mohela since XXXX trying to be placed on the right repayment plan and nothing has been resolved in 7 months. This is unfair business practices. I have never had an issue like this before. I requested to be placed on the graduated repayment plan and that was denied. I spoke with a supervisor named XXXX and we worked to put loans 1 through 7 on the graduated repayment plan and loans 8 and 9 on the save plan. That was denied. I feel I am being unfairly mistreated and someone in the Mohela department is tampering with my account. Why would someone deny a request that a supervisor put in? I am never contacted and told why the requests are denied. I spoke with a supervisor name XXXX on XX/XX/XXXX and he stated that he would put all of my loans in forbearance until the issue is resolved. I received a message yesterday that loans 4 and 7 are due for repayment. I am lied to every time I call. This is extremely unfair treatment.
Product: Debt collection

According to 15usc 1692b Rozlin Financial Group Inc, a third party debt collection agency, also known as RFGI has violated my consumer rights to privacy. The company is not licensed in my home state of Georgia to collect the alleged debt from me. They are only licensed in the state of Illinois therefore are not legally allowed to collect any debt or report any alleged debt to my consumer reports. I did not give them permission to access my personal information and in doing so they have violated my rights of privacy more than once. I demand that this company cease and desist all contact with me including illegally reporting to my consumer report. I have the right to sue this company under U.C.C. 1-308.4 in which will be subject to a {$5000.00} fine and/or litigation for not resourcing my rights under Common Law. I have not seen or been presented with admissible evidence which demonstrates that XXXX XXXX owes an alleged debt in the state in which the company itself resides and it is not required to adhere to Title 15 U.S. Code 1692b ( 2 ) and Title 18 U.S. Code 241, and I believe that none exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response XXXX XX/XX/XXXX that you need my updated email address which is ( XXXX. ) I sent a complaint on XX/XX/XXXX to remove Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA and Account : XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00}, that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint. I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, it was brought to my attention that there are several accounts on my credit report which are not recognized by me as mine. They are listed as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, none of which I have ever done business with. I have never applied or used they're services. These accounts are fraud and someone out there is using my identity to get credit. Please help!
Product: Mortgage

I sold my 2nd home at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX on XX/XX/XXXX. My loan was with Select Portfolio Servicing , INC. My loan # is XXXX. Select Portfolio Servicing Phone # is XXXX. On XXXX XXXX Select Portfolio said to me that they had sent a check to me for the refund of my escrow account in the amount of {$2100.00}. I have called them twice since then and both times they said it was mailed on XX/XX/XXXX. I asked them to re-issue a check or send a wire because the check has to be lost in the mail because its had plenty of time to be here. They have refused to do this. I am entitled to a timely refund of my escrow money. 

My name is XXXX XXXX XXXX. My primary address is XXXX XXXX XXXX XXXX XXXX IN XXXX. My DOB is XX/XX/XXXX. My phone number is XXXX XXXX XXXX XXXX XXXX XXXX. My email address is XXXX. 

Please help. Thank you very much. 

XXXX XXXX
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. 
Account name : 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, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX Reported incorrect information