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

My wife and I are long time Chase customers. We have a checking account and three savings accounts with Chase. We also have three Chase credit cards. On XX/XX/2020, at the request of a seller, my wife and I initiated a transfer of {$770.00} through the Chase App. On the Chase App there is an icon for QuickPay with XXXX. There is nothing on the Chase App stating that Chase would not support a customer in challenging a QuickPay with XXXX transaction or that Chase 's QuickPay with XXXX is not afforded the same protections as any other transaction through Chase. A couple of hours after the transaction was initiated we discovered that the seller was running a scam and that we would never receive anything from the purchase. At that time, the transaction was still showing as pending on our account. We immediately attempted to notify Chase of the fraudulent transaction and ask that it be reversed. Because of COVID-19 Chase 's fraud department was not operating on Saturday, XX/XX/XXXX or Sunday, XX/XX/XXXX. As a result, instead of having someone being able to assist us we had to send an e-mail to Chase through its e-mail system. At that time we provided Chase with the information it would need to contact the receiving bank to challenge the transaction. In response we received an e-mail stating that due to increased volume we could expect a delayed response of a week or more. On Monday XX/XX/2020, we attempted to call Chase 's fraud department. At that time the transaction was still showing as pending on our account. After being on hold for 4 1/2 hours, we were finally able to speak to a representative in the fraud department. The representative informed us that Chase was not going to contact the receiving bank and it was not willing to assist us in attempting to recover our money. The problem is that other than the receiving bank account ( which has not been shared by Chase ) we do not have any other valid information that could assist us in pursuing the fraudulent seller. We continued to follow-up through the secured message center. Then on XX/XX/2020, Chase informed us that it was denying our claim because the transaction can not be recovered by the bank without further explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

My current correct Address Street Number , Street Name, City, State is XXXX XXXX XXXX XXXX, Delaware XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent every month a check to you guys towards a payment for my account now I sent out a payment on XX/XX/XXXX as usual now I got a note from XXXX XXXX XXXX that they will close my account so what happened was that by the time the check was cashed by you my XXXX XXXX XXXX account was closed so you were not able to deposit this check now I didnt know about this until the following month so I thought I sent out my check and I thought that everything was fine so now the following month I figure out about it and I right away send out a check to you but that was to late if I remember correctly it was 1 day after the 30 days that you guys received my check
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to use the Experian online tool for placing or removing security freezes on my Experian credit reporting account seven times. I have yet to have it work correctly even though I have the correct PIN number as noted on the document mailed to me by Experian. 

I have yet to reach a human representative using the official Experian customer service number, XXXX ( XXXX   ) XXXX-XXXX. 

If I call XXXX-XXXX-XXXX-XXXX  and choose Option " XXXX  '', consumer customer service, I do not reach a person. If I choose Option " XXXX '', the business customer service, I do reach a person, but after a minimum 30 minute wait. A further counterintuituve obstacle to reaching a person.

I acquired the XXXX-XXXX-XXXX-XXXX  number after having done extensive research on finding out how to speak to an actual human representative on this matter. Nowhere on the Experian.com site is there any place where XXXX-XXXX-XXXX-XXXX  can be easily found, only the XXXX  ( XXXX  ) XXXX-XXXX  number. 

The Experian online security freeze tool has not changed since it was implemented in 2017. 

This is in sharp contrast to online security freeze tools currently available from XXXX  and XXXX   which work quickly, efficiently, and conveniently for free. 

Experian offers an account upgrade, with an account lockout tool that functions the same way a security freeze does, for a cost of roughly {$5.00} per month. 

This has the net effect of costing me half an hour of my time to lift or place a security freeze on my Experian credit reporting account or pay {$5.00} each month to Experian to have the same convenience that XXXX and XXXX  offer for free.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters to each credit bureau re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

I received a prepaid {$25.00} XXXX XXXX bonus card in conjunction with my US Bank rewards credit card. The card says it is. {$25.00} reward card food until XX/XX/22. When I want to use the card I discover they have charged me {$6.00} in so called maintenance fees. I think this is unfair and these fees should be refunded immediately., they said it is in the terms I agreed to I got a magnifying glass and have found in very small print that they can charge this fee. The print is so small no XXXX XXXX XXXX with poor vision can read it. I have been a US Bank customer for years and I am very disappointed that this {$25.00} card thats good till XX/XX/22 has been taped for these fees
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX DOB : XX/XX/XXXX SSN : XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : Accounts From : XXXX BANK ; Account Number : XXXX ; XXXX XXXX ; Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) and Inquiries From : XXXX XXXX on XX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : -Attached below are supporting documents -Formal Dispute Letter Detailing My Complaint -Copy of US Driver License XXXX Proof of Identity ) -Copies of a Paystub & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Payday loan, title loan, or personal loan

My identity was stolen somehow. The person or persons responsible for stealing my identity set up a line of credit and a personal loan in my name with a company called UPGRADE. UPGRADE approved the loans, and a Bank named XXXX set up an account to finance the loans. I have tried to reach out to UPGRADE numerous times via phone calls to their claims department and the email address that they give on a recording. No one has ever responded to any of the emails that I or my XXXX representitive have sent them. I have been dealing with this since XXXX. I work really hard on keeping my good credit. UPGRADE and XXXX BANK really need to figure out a more secure way to get customers. Please if you can HELP ME get these two businesses to cancel the accounts and send off the proper paperwork needed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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: Payday loan, title loan, personal loan, or advance loan

I receive a phone call from my HR department for XXXX XXXX  around XX/XX/year> might be a little bit after. They stated, " Paycheck Solutions was wanting to garnish your wages, and we don't do that unless there is a court order. They didn't have one. They said they would make a note on their end. '' I called Paycheck Solutions furious because to me I felt as though they were using scare tactics/manipulation and they ( Paycheck Solutions ) said " we just wan na help you. '' But, they attempted Wage Garnishment without a court order?
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report from Experian, XXXX and XXXX I noticed several inaccuracies pertaining to my personal information. All 3 are reporting inacurate addresses, phone numbers and spellings of my name. Congress states that credit reporting agencies have a responsibility to be fair and must respect the consumers right to privacy. I feel that my right to privacy is in jeopardy because of the inaccurate information that is being reported. Mail is not deliverable to me at these addresses and will leave me susceptible to possible identity theft for which you all will be liable.
Product: Vehicle loan or lease

I have some concerns about my account with Nissan Incorporated Auto Finance. I bought a new vehicle! XXXX Nissan Altima in XXXX XXXXI was making regular payments until I had a medical situation that came about. I called Nissan to see what options i had. I gave them my personal information regarding my health. I was given an extension with documentation sign and sent back. I have concerns about the extensions Nissan states I have and I do not see all the information in my Nissan account that Nissan states I have with late fees and the amount of all the extensions. I recently had my car repossed in XXXX/XXXX which the auto loan maturity date was supposed to be completed. I had to pay {$4000.00} just to get the car back. The repossion department told me that amount is all the late fees, all pass due amounts and interest. I have not received any statements regarding the repossion of my car or payoff I have requested through Nissan. My account does not have any information of recent payment accept XXXX and XX/XX/XXXX. I have a maturity date on XX/XX/XXXX which the amount is {$6900.00} to be paid in full or the car will be repoed again. Nissan costumer service has not been fair to me. Nissan Corporation costumer service did not connect me to the department that could help me solve this confusion.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my credit report maintained by Credit Bureaus. Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing significant distress and impacting my financial well-being. 

I discovered unauthorized and fraudulent items on my credit report, raising concerns about potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted detailed dispute letters, and provided all necessary supporting documentation to facilitate the removal of the fraudulent entries. Regrettably, despite my continued efforts, these unauthorized items remain on my credit report, tarnishing my credit history and hindering my financial stability. 

Enclosed with this letter, you will find a comprehensive timeline outlining each attempt made to address this issue, including reference numbers and specifics of each communication. I urge you to thoroughly review this information and take immediate action to rectify the situation. 

The prolonged presence of fraudulent items on my credit report is not only causing financial harm but also creating undue stress and anxiety. As a responsible consumer, I expected a more expedited and effective response from your agency to correct these inaccuracies promptly. 

I urgently request that your agency conducts a thorough and expeditious investigation into the matter, removes the fraudulent items from my credit report, and provides written confirmation of the corrections made. Additionally, I seek clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and explore legal avenues to protect my consumer rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX  XXXX XXXX Balance Owed : {$46000.00} XXXX XXXX XXXX Balance Owed : {$6300.00}.
Product: Mortgage

I had trouble making payments they promised to work with me while I was gone from my home they came in and got rid of my stuff and changed the locks.
Product: Checking or savings account

I was at the Wells and Fargo Bank on XXXX XXXX XXXX XXXX in XXXX, Virginia XXXX on XXXX XXXX. I went in to withdraw {$10000.00} in a cashier 's check out of my joint account. The teller told me she did not feel comfortable releasing the funds to me. But she did not give me a reason. She threatened to call the police and have me escorted out. I have all of this on my video, because I was surprised that this was happening.She called the joint account holder later and was told by the joint account holder not to release the funds to me. I feel this was discrimination because she had no reason to feel uncomfortable and she did not follow wells and fargo withdrawal procedures. She was not supposed to call the joint owner when we both had equal rights to the account especially when the funds were available. I contacted the Federal Reserve and put in a complaint but they said Wells and Fargo is not a reserve bank. The people involved at this branch were a teller named XXXX, bank manager named XXXX XXXX, and Ms. XXXX I believe.
Product: Debt collection

XX/XX/2015 I borrowed {$2500.00} I paid off the debt as agreed to the original debtor ( Speedy Cash ) and the company never cleared the debt and they are now stating that I owe {$3400.00} I would like it to be cleared from my credit.
Product: Checking or savings account

Dispute filed in XX/XX/XXXX or so As of an hour ago. About XXXX XX/XX/2019 chase reverted the chargeback claiming I made the transaction XXXX Called XXXX and they claim the item purchased was a XXXX XXXX XXXX. 

The XXXX XXXX phone is a {$890.00} before tax purchase and my purchase that I claimed was {$420.00}
Product: Student loan

First I took out loans in the early 90s through XXXX of XXXX XXXX. At that time as a student we received no loan education or financial counseling. The school allowed us to take out loans, drop, receive the money back and register again and do the same thing. I can not even tell you for how long this happened. 
Then I graduated in XXXX from the University of XXXX XXXX in XXXX XXXX. I was put in forbearance right away. I have asked repeatedly about the public service repayment program but was told over and over that as a nurse I did not qualify when in fact I have qualified since XXXX when I first became a nurse. My interest has been accruing since the early 90s and I do not believe that this is right nor do I think its right that I continue to be charged when all my loans would be almost if not already payed off. Navient should have told me many years ago that I qualified for this program. This has totally affected my life and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$490.00} XX/XX/XXXX {$270.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$77.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$52.00} There are no contracts, no valid claims ... accounts were settled with original creditors by insurance carrier and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow.  Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number 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.
Product: Debt collection

I received a letter in the mail on XXXX/XXXX/15 from TRS Recovery Services and telecheck. The letter stated that I made a {$480.00} purchase from XXXX XXXX on XXXX/XXXX/2015 and then stopped payment on the check. The letter had " Notice of Unpaid Electronic Transfer '' at the top of the page. It read that the above referenced electronic transaction could not be completed because either I had stopped payment on this transaction or my account may not be authorized for ACH transactions. Telecheck has purchased this dishonored electronic fund transfer referenced. As a result, TeleCheck has forwarded the debt to its affiliate, TRS Recovery Services , Inc. for collection. Your file has been assigned to the Recovery Department where it will be given to a professional collection agent. It stated that I purchased an item in the amount of {$480.00} from XXXX XXXX and a check was written on XXXX XXXX, 2015 and a {$25.00} returned check fee was added. I do not have a bank account with the bank they are claiming it was written on, XXXX. I have not ordered anything from XXXX and I called XXXX and they verified that I had not ordered anything from them. I called TRS Services and after reluctance I gave them my current bank info, drivers license number, and social security number and they said that I had bought something an account from XXXX Bank. I have never banked with this bank. I went to XXXX bank on XXXX/XXXX/2015 and the bank verified that I did not have an account with them and that I have never used an account with them to purchase any items from XXXX, nor had anyone else committed identity fraud with my information. And they also verified that no one had ever opened an account in my name. I called TRS back and was hung up on XXXX different times by their representatives. I called XXXX back and was told to call TRS. Both companies, Telecheck and TRS Recovery Services have made an error and are refusing to rectify the situation. They are wanting me to get a certified letter from XXXX saying that I have never banked with them, and then send them XXXX pages of information including all of my personal banking information and a picture of my drivers license. It should be up to this company to fix this. I have not ordered any items from XXXX as verified by XXXX and I do not have an account and never have with XXXX bank. I am having a hard time even understanding how Telecheck says that a transaction occured with an account from XXXX when their has never been an account in my name with said bank and also how a transaction for {$480.00} of products were bought from XXXX when XXXX verified to me that the transaction never occurred. I did not order from XXXX and I want to know how and why this company has my information and are making false claims and threats against my character and my credit. I do not know if I can file a police report because no one has used my identity because there has never been a XXXX account in my name and no items were purchased from XXXX. This company needs to be stopped!