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

I made a large purchase on my USAA credit card and then paid off my balance. I ended up returning the purchase, so I had a negative balance on my credit card of {$4900.00}. USAA mailed me a check for that amount. I never received the check. 

When I called USAA to ask them to reissue the check because I had not received it, I was informed it had been cashed. The only possible explanation is that it was stolen at some point in the postal system because it never made it to my locked mailbox ( I have already filed 2 claims regarding this stolen check with the United States Postal Inspection Service ).

I was sent a copy of the cashed check and the endorsement on the back is clearly not mine. It was signed over to XXXX XXXX XXXX, a company I have never heard of. It was deposited into an account that does not belong to me. 

I informed USAA that the check never made it to me and that I did not cash it. They refuse to give me the nearly XXXX XXXX dollars that I am owed and that was stolen by the owner of XXXX XXXX XXXX through no fault of my own. 

I have filed a police report. I have filed multiple claims with the United States Postal Inspection Service. I have spent countless hours on the phone with USAA and filled out all of the paperwork they have requested. They have done nothing to get the money back to me. It is not my fault that they chose to mail my money instead of delivering it to me in a safer way ( e.g., wire transfer ). It is not my fault that they did not verify the endorsement. I have in no way contributed to the loss of the funds. I want USAA held accountable for allowing a criminal to cash a check that was made out me without verifying the endorsement in any way, and I want them to pay me the {$4900.00} that they owe me.
Product: Checking or savings account

On XX/XX/23 @ XXXXXXXX XXXX I received a phone call from Chime Bank from Chime Bank 's phone number stating I had fraud on my account. I was instructed to do a transfer to reverse the transaction. When it was done the money was transferred out of my account to a person I do not know. I immediately called Chime and told them that I was defrauded and started a dispute. I do not know XXXX XXXX. I have never done Any Chime to Chime transfers with this account. I have never done large transfers or withdrawals. This was completely outside my usual bank behavior. Another indication that is a fraudulent transaction. I was instructed to file a police report. I did. I also sent screenshots of the fraudulent email I received for the Chime Reversal. From Chimes email address. It is absolutely unacceptable that this claim is being denied. I expect to be refunded all the funds stolen from me. I will submit with this letter once again. I have repeatedly asked for Chime to recover funds. The continue to deny my claim. I asked for reason. They wont tell me over phone. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : XXXX XXXX - Unauthorized Transfer Date Error Reported : XXXX Claim Amount : {$2000.00} XXXX Oregon Police report # XXXX
Product: Credit card or prepaid card

I closed the Fifth Third credit card and sent in the final payment of {$36.00}. They would not let me pay online or over the phone, so I had to send in the regular mail per their instructions. They said it was not received on time and continue to charge me late fees and interest. There was a {$1.00} interest they charged that has turned into {$160.00}, and now {$200.00}!! 
It's almost impossible to get ahold of a live person on the phone and often disconnects. I called XXXX XXXX and he has not returned my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I learned that Equifax had improperly allowed unauthorized parties to access my personal information, including my social security number. This incident happened in XXXX, but the public was not informed until today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are you indicating that XXXX XXXX XXXX XXXX # XXXX was 120 days late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. How is this even possible? I couldnt possibly be 120 days late 2 months in a row. In addition, How are you sure the highest balance is accurate? Both XXXX XXXX Transunion are displaying {$0.00} highest balances. I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.
Product: Checking or savings account

Simple Bank ceased operations and transferred customers to BBVA USA on XX/XX/2021. Instructions were provided to activate new account and seemed pretty straightforward however when attempted, I was bombarded with error messages and told to call a customer service number. I tried calling the customer service number probably 20 times and each time I was connected with someone, they pretended that they could not hear me and said to call back. BVAA did not send out any emails regarding this but put out an apology tweet. It is now Sunday XX/XX/XXXX and I do not have access to managing my money because my account is locked and customer service is purposefully not helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent four letters to Equifax credit dispute department started on XXXX XXXX thought out the months leading up to XXXX XXXX asking them to verified four accounts each time equifax mail me my dispute results alway say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. Equifax have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( 12 U.S. Code 5533 ) seems to be false representations and inclusion of inaccurate information this violating federal laws. Equifax is unwilling to verify any of these accounts, then under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Each letter I sent had a copy of my SS # and driving license inclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing Experian every week for the past eight weeks in regard to incorrect information they are reporting on my credit report. To begin with, Experian is reporting nine variations of my name that are incorrect. Furthermore, Experian is reporting an incorrect address, and employment information. I sent Experian a copy of my passport, photo ID, social security card, along with a letter asking them to correct this information. In addition, there are a few accounts being reported under different names that don't belong to me that Experian wont remove. Imagine seeing an account that does not belong to you on your report that is weighing down your credit score? You become anxious for it to come off because you feel wronged. Experian has been sending me stall tactics for the past three months. Today i received a letter that said hat they still have not removed the fraudulent information but they decided to close the investigation and " update '' the accounts. The irony is the update did not " update '' any information. The accounts are still on my report, Experian is acting like i did not ask them to " delete/remove '' from my report. Experian is breaking the law by reporting incorrect information on my behalf and they need to held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the accounts from my file. 
XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX : {$470.00}
Product: Credit reporting or other personal consumer reports

There are multiple fraudulent accounts on my credit reports. There are a lot of inquiries that were not made by me.
Product: Mortgage

I have been trying to correct the problem with Seterus, Inc. for two years. Back in 2015 around XXXX I made a payment and it was places in a suspense account. I contacted Seterus and I was told I needed to make another payment because it was placed as an over payment on the account and not towards my monthly payment. I was not willing to do so because why should I have to make double payment because your system XXXX XXXX my payments online. I have called and had people in the customer service say that they are going to look into this issue and never have. I want my late fees refunded and the amount corrected. I am tired of getting call at the end of every month saying my mortgage is late and in fact it is not!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$150.00XXXX XXXX XXXX Balance : {$26.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter confirming the refund of the disputed amount the the company decided on my favor. It said on the letter that after 7 to 10 bussisnes days I should received my money, until this day the company hasnt done anything. Several call and none pf the department hace any respond
Product: Checking or savings account

My boss XXXX and I did work for customer when they wrote me a check us bank closed and kept my wages for 2 years now
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mortgage increased by {$200.00} a month. My county taxes have not increased and company is saying I do n't have enough in escrow. I have not missed any payments and have not been in the home for a year yet.
Product: Credit card or prepaid card

On XX/XX/2018, I closed the secured Discover card ( XXXX ) that I deposited {$200.00}. It is already a month and not received my deposit back. They said it takes 2 months and 10 days. They hold money of millions of people for 2 months for taking financial advantages. They should pay interest on holding millions of dollars they hold from customers.
Product: Credit reporting or other personal consumer reports

I am writing to request the method of verification used in connection with the investigation of the dispute I submitted regarding the accuracy of information on my credit report, as allowed under 15 U.S.C. 1681s-2 ( e ).

I appreciate the effort you have undertaken in investigating my dispute. However, I am know seeking specific details regarding the method of verification employed during this process, as required by the aforementioned section of the fair credit reporting act.

Pursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ). I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process.
Product: Credit card

I alerted my credit card company XX/XX/2017 that there was a fraudulent charge on my CITI credit card. I was told I would not be held responsible for the amount of {$3800.00} plus the processing fees totaling over {$100.00}. I had a paperless account but was sent balance transfer checks to my mailbox - often twice a month. One of these checks was stolen from my mailbox and used with a forged signature for the amount of XXXX. I was told an affidavit would be sent by mail to my mailbox within the next few days along with a new card/with new account number. The card came by FEDEX. The affidavit never came, but new balance transfer checks came XX/XX/2017, after I stipulated that no more were to come on XX/XX/2017. I called back XXXX and had to speak with 5 different people. The {$3800.00} is still in my balance owed on the card. There is no verification online that a dispute was filed. I was told by multiple people that they could not give me verification of the dispute regarding the {$3800.00} fraudulently put on my card via stolen balance transfer check. I repeatedly asked to be transferred to someone who could better assist me. The fourth person XXXX in XXXX ( XXXX ) said all the information would have been sent to my message center online. He said there were 4 messages regarding this matter in my message center. I had not been told these messages would come to an online box previously. No e-mail alerted me to their presence. I had him close my account since the previous people gave me conflicting information, and balance transfer checks would still be mailed for 2 more months. I then checked my message center online and no messages generated this year were there, and there still was no evidence of the dispute that I filed XX/XX/2017. I called back and asked for him, but was given XXXX in XXXX ( XXXX ). She verified that no messages regarding the dispute had been sent to me in my online message center. She also said it would take at least 30 days before the account balance would be corrected ( removing the {$3800.00} charge and associated fees ). She said at that time I may get an affidavit in the mail or sent to my message center. All the way around, each person who I spoke to gave me conflicting information but all refused to give me verification of the dispute in writing. People should think seriously before opening an account with them. Their associates I spoke to all had conflicting information. The last associate at least verified nothing had been sent to my online message center. She still was unable to provide me with written information verifying the dispute. The fact they kept mailing out balance transfer checks to a paperless account that had requested no mailings is perplexing. They invite fraud by doing this routinely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is infuriating! The Credit Reporting Agencie have become negligent of the Fair Credit Reporting Act section 605b, which requires the Credit Reporting Agencies to remove any fraudulent accounts and information being reported on my Credit File! However, despite the countless dispute letters and CFPB Complaints that I have been submitting to the Credit Bureaus, the Credit Bureaus seemed to not give a damn about my Credit File! They have bee climing that the disputed accounts and information are verified and yet they have been failing to send me copies of proof of verification in which I have been requesting from them for the last 1 whole year! I am tired of all this! This is going to be my last CFPB complaint to be submitted befoe I will file the lawsuit that we have been preparing against the Credit Bureaus! To the Credit Bureaus, if you think it will be easier to deal with a lawsuit than to remove the disputed accounts and information, so be it. But let me remind you that you got a one whole year to remove the following items and yet you opted not to : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$82.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$660.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Attorney contacted Best Buy Corporation and tried to contact Citibank regarding a Citibank My Best Buy Branded Credit Card that was open fraudulently with my birth date and SS #. XXXX XXXX, paralegal in the legal department for Best Buy stated Citibank is the owner and administrator of the credit card and Best Buy can not help with this fraud issue.

Citibank has not responded to my attorney, XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX.

I filed a report with the XXXX  Police Department on XX/XX/2018.

The fraudulent account was opened in XX/XX/2018 and I discovered it in XX/XX/2018. My credit report was corrected. However, my SS # and birthdate are still in the hands of the unknown criminals.

My attorney advised me to submit this complaint against Citibank for negligence.
Product: Debt collection

CITI is again taking me to court again first time ( XXXX ) dismissed due to them not noitifing me and now case No XXXX for over {$12000.00} that was illegally charged to my account that I canceled in 2006 due to them illegally cahrging my accounts that they tranfered to a fake account? As the were forced to stop by your agencey File No XXXX. They are now trying to attach my social security and VA disabllity payments! Their local lawyer tlod me that they can attached my income from social security and VA disabllity, put a lean on my home and send m to prison! They also sid that they could go after my family members!!!
Product: Credit card or prepaid card

I am a victim of identity theft. I have previously notified Chase Bank of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. Chase Bank opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. Chase claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. Chase claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a Chase Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge Chase to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted Chase from my number and I never went into a branch. I have literally never been into a Chase branch in my life. Chase is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from Chase in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ).  If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, Chase, XXXX XXXX XXXX XXXX, etc. Chase Bank is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. This will be the last complaint I file, the next step will be to file suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After enduring a lengthy and frustrating process, I demand that the Credit Reporting Agencies delete all fraudulent accounts and related information from my Credit File. It's astonishing how many times I have had to remind the Credit Bureaus that I was a victim of identity theft, and that the accounts in question are a direct result of that crime. I have repeatedly asked the Credit Bureaus to correct my Credit File by removing the disputed accounts, and have requested copies of proof of verification if they claim these accounts are mine. Despite my efforts, the Credit Bureaus have continuously failed to provide me with the documents I require. In addition to sending dispute letters and providing complete documents of proof of identity and Identity Theft Report from the FTC, I am submitting this CFPB Complaint to follow up on my previous complaint, and demand that the Credit Reporting Agencies take swift action and remove the disputed accounts from my Credit File before I am forced to take legal actions. Once again, I demand the following accounts be completely removed from my Credit File : XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$32000.00}. If the Credit Bureaus insist that the disputed accounts were verified, they must provide me with copies of the documents I have requested. I expect prompt and thorough action to be taken, as this has been an ongoing issue that has caused significant stress and inconvenience. I trust that the Credit Reporting Agencies will do what is necessary to correct my Credit File as required by law.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to Capital One, yet Capital One is not removing this fraudulent account. Capital One has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet Capital One has refused to do this. The following is the fraudulent account : Capital One / XXXX.