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

I filed a chargeback on XX/XX/XXXX for an online transfer I know I never did. So Chase got back to me and said that they will re take the payment of {$1200.00}. They issued me a temp credit of that amount I was thinking they where refunding me for the money but they didnt and so they dipped me in the red by {$1200.00} on XX/XX/XXXX. I have my XXXX payment coming in XXXX I will not have hardly anything to pay for rent or food, gas lights etc for XXXX. I am a XXXX individual and need that money. Not for Chase to take it back.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The accounts are -XXXX  XXXX opened on XX/XX/XXXX Amount : XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXX XXXX XXXX opened on XX/XX/XXXX XXXX : XXXX XXXX XXXX  opened on XX/XX/XXXX Amount : XXXX I've reached out to these companies and have not received any type of feedback.
Product: Checking or savings account

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX XXXX XXXX. Please delete ALL the following accounts and ALL Inquiries. 


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

XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX The account is showing that I was 30 days late. I have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness. 

XXXX XXXX XXXX XX/XX/XXXX XXXX is {$8800.00} This account is show 30 day late. have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Payday loan, title loan, personal loan, or advance loan

My wife and I bought a new bed from Mattress Firm, around XXXX XXXX, with a promotion of 6 years interest free payments. Synchrony is who services this financing. XX/XX/XXXX was when the first payment was due. I set up my payment information/autopay to pay the minimum as dictated by the terms of the agreement. Synchrony, however, deducted the remaining balance, in full, from my checking without my consent in violation of what I set as the payment as per the terms of Mattress Firm 's promotion. 

I discovered this on XX/XX/year> and called Synchrony. They have agreed to refund and send me a check ( 7-10 Business days ) for the overcharged amount for last month. I will be missing a significant amount of money for up to a 5 weeks that never should of been deducted. If I didn't have the funds in my account Synchrony would of caused an Overdraft affecting my credit. This also stresses us fiscally as we set our budget with a certain payment planned for but with such a large amount taken it stresses us making our other financial obligations even temporarily. 

I am a bit concerned, since it seemed as the person who helped me had a script they were following which makes it seems like this might be all to common an occurrence.
Product: Student loan

I have had some assistance lowering my payments with AES. I fell that my loan should be forgiven. I have paid on it consistently. I do not have a big-money job. I have recently been diagnosed with XXXX or the XXXX in my XXXX. I will most likely go on XXXX, as I can not perform the tasks that my job requires. I have been working with the TN Department of Human Services-Family Assistance for 14 years. no loan forgiveness because no one told me that my loans were not consolidated correctly for that program. I am going through a divorce and will most likely have to sell my house.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I'm not swayed that 3 Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on PDQ SERVICES. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Checking or savings account

On XXXX XXXX, my work check was illegally stolen from bank of America, I was told it was for a account that closed a year ago, however I paid all arrears, even had two deposits totalling XXXX XXXX XXXX, then XXXX, XXXX XXXX, get nothing ever taken out. I was never alerted to owning anything on this account on the calls placed XX/XX/2023 no banker saw anything owed. I'm XXXX XXXX IN THE UNITED STATES AND XXXX. I received my work check through direct deposit and XXXX was stolen without warning from BofA. I went to the Branch in XXXX and spoke to XXXX XXXX who stated the money would be returned with 3 to 5 business days, he then stated no letter was ever sent out then he illegally generated a letter as we see it shows populated on XX/XX/2023. Deceptive banking practices. XXXX also XXXX XXXX XXXX XXXX XXXX advisor. Pull under FOIA his computer activity as you will see he promised me a refund due to never contacting me or making any payment arrangements.
Product: Money transfer, virtual currency, or money service

I open this account in XX/XX/2015 I borrowed only almost {$700.00}. The balance is {$2100.00} in which is far to high. Please help me dispute this amount. I did not know this account went into collections, no one has tried to contact me about this account.
Product: Credit card or prepaid card

I have a XXXX XXXX which is administered by Synchrony Bank. On XX/XX/2018, Synchrony Bank withdrew {$820.00} from my checking account as an automatic payment for my statement. They should have reduced this by {$190.00} which I paid independently of the auto payment. Worse, they have not credited my account for the {$820.00} as of today, XX/XX/2018. They have credited the {$190.00} which I can use for credit. 

I was told there was a hold on the {$820.00} since it is a large payment, despite the fact that they withdrew the money from the same account as all previous payments including the {$190.00}. Further, the checking account shows the money has cleared my bank. 

I think this is fraud. I am told that I can not use the {$820.00} until XX/XX/2018. There was no warning. They are illegally denying me the credit promised. 

They seem to be above the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redressfor these violations 9
Product: Prepaid card

I received an email on XXXX XXXX stating that there was suspicious activity on my account. I checked my account and noticed there were several charges on my account that were made in New York while I reside in California. I contacted the bank and informed them on XX/XX/XXXX about these charges along with additional charges made on my account. They informed me that they would stop the ongoing charges as they havent been processed yet and will initiate a claim for the posted charges. When I checked back a few days later they had not stopped the charge and the money was taken out of my account. They told me that the claims process would take up to 90 days. I contacted them again a few days later and they informed me that the claim was denied. When I asked for the reason why my claim was denied they refuse to provide any additional information. I faxed them bank statements from my other cards showing that I had made purchases in XXXX XXXX when those charges were made on my account in New York. When I asked about the fax it was clear they had not reviewed them. Bank of America Prepaid is not actually reviewing claims as it took them about three days to deny my claim. I reached out to the merchants in New York and they stated that no one from Bank of America reached out to them. Bank of America falsely advertised that they review these cases when its clear they dont.
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax on more that XXXX occasion to request a report and to inform them that they have continued to report incorrect information on my consumer report for over XXXX years. I have been negatively affected by the companies actions. I am currently unable to get a free credit report due to incorrect information being report on my file.
Product: Credit reporting or other personal consumer reports

Over 2 months again I sent a notarized certified package to Experian to remove all the extra names addresses former jobs from my credit report. Also in the packaged was a copy of my current drivers lic. with my current address and my phone number and a copy of my social security card for verification. I didn't get any response, none by email, mail, nothing from them. As I pulled my credit report XX/XX/2023 the information is still on my report.at this time I an looking for monetary result since this company has slandered my reputation and defamed my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX and Account # 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
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX  XXXX XXXX ( XXXX XXXX XXXX ) ( the Fraudsters or Company ), which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( XXXX ). 

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Chase Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Chase Banks XXXX XXXX my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Chase Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Chase Bank was in compliance with its own policies and procedures ; ( v ) whether Chase Bank owed duties to myself, what the scope of those duties was, and whether Chase Bank did not uphold those duties ; ( vi ) whether Chase Banks conduct was unfair ; and ( vii ) whether Chase Bank has within its power the ability to, and should, compensate me for the harm that has befallen me. 

Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud. 

In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Chase Bank must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer.
Product: Mortgage

We have gotten behind in our Mortgage a few times in 27 years because of XXXX XXXX or loss of work, me after 16 years, my husband has been at his job for 35 years. CitiMortgage has stole our money, at one point we owed {$6000.00}, but had to pay {$12000.00}, My husbands XXXX gone {$100000.00}, so now XXXX says we owe {$190000.00}. I now work XXXX jobs, paying {$1600.00} a month. Forced to file Chapter XXXX bankruptcy to avoid foreclosure, I have fought so hard to keep our home, its wrong and unjust.
Product: Credit card or prepaid card

I live in XXXX GA and on XX/XX/XXXX I traveled by car to my dads in XXXX XXXX TN. While there I made card transactions with my Citi credit card both in TN on XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX I received a fraud alert from Citicards about purchases that went thru on XX/XX/XXXX. I reviewed my account online and saw 15 transactions that took place in Illinois, mostly XXXX. Some at the same place over and over. I immediately called and was already online to disput the transactions which the representative told me I could do. I hung up without him advising that if it was multiple transactions or pending I would need to dispute with him ( which I found out when I called again ... ) I did not receive a case number just an email advising I had a dispute opened. It did not identify any transactions. After not hearing or receiving any type of communication about my claim ( my card was closed so I could not access online banking ) in over a week I finally received my new card and was able to review online and saw they had credited me with 9 of the 15 transactions. I once again called to ask about my claim on XX/XX/XXXX and was then informed of the fact that with pending/multiple I should have called it in. She disputed the remaining items and once again I was not provided with a claim number or any information on my claim in regards to resolution timeframe or anything. I called again on XX/XX/XXXX and was told it was still processing, I requested to file a formal complaint with them as I did not think it was fair that they did not provide me with any type of resolution in writing/email. But I was told I would receive communication from them in regards to my case, nothing to date. I called again on XX/XX/XXXX as my statement has now ran and I have 15 fraudulent charges on my card, and charged interest and only 9 dispute credits. I was then told that they would resubmit my transactions after I had to go over it transaction by transaction as she told me I already had my full credit, so no one reviewed this the previous times I called. I again asked to file a formal complaint, again as I did not think it was fair that I have not received anything from them in regards to my claim, which the person advised she would file it for me but could not give me a case number and I was advised it was for internal tracking only. I was then advised I would receive my credit within 2-3 days, it is now XX/XX/XXXX and I just do not want to call again. If they could just provide to me in writing why they believe they should not have to pay the fraudulent transactions on my statement ending XX/XX/XXXX I would at least be able to provide proof that there was no way I was in XXXX!!!
Product: Credit card or prepaid card

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX .

XXXX, TX XXXX  Re : Acct # XXXX  To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I have had late payments on my account. This is a formal notice that your erroneous claim is now disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Checking or savings account

To whom it may concern. I, XXXX XXXX XXXX, am writing this statement to the CFPB for assistance involving Citibank requesting a full refund of lost funds from my account. Due to an unauthorized wire transfer from my savings account on XX/XX/2023 at XXXX hours in the amount of {$11000.00} in an outgoing domestic wire transfer to a XXXX XXXX with mobile XXXX. There was also a XXXX transfer of {$490.00} taken from my checking account to a XXXX XXXX. 

This fraudulent event began with an initial call to my cell phone at XXXX XXXX  on XX/XX/2023. The caller ID showed the call coming from Citibank. The man that I spoke with stated that there had been some suspicious activities in my accounts and the bank was attempting to ensure it had not been hacked. The man had my name, address, account information and stated that he needed to ensure that I was in fact XXXX XXXX. He asked several questions and requested the last 4 digits of my social security number. I had no reason to doubt his being from Citibank and believed he was working to secure my accounts. 

After being denied the XXXX the first time, I made a claim at the bank to appeal it and was quickly refunded the {$490.00} for the XXXX transfer. I have received no further information about the {$11000.00} refund for the unauthorized wire transfer. Due to Citibank approving the refund of the {$490.00}, it appears that the bank agrees and accepts that this was fraud and therefore should also approve the refund for my {$11000.00}. 

I have saved several screen shots of the conversation the perpetrator was messaging me. I have a current police investigation working to find this person/persons. 

With the Greatest Respect XXXX XXXX XXXX