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

Dear Sir/Madam, I am writing to formally lodge a complaint against J.P. Morgan Chase Bank for fraudulent activity that occurred in my savings account. It has recently come to my attention that someone fraudulently withdrew a substantial amount of money, approximately {$10000.00}, from my account on three separate occasions within two days this week. While the bank has accepted responsibility and initiated an investigation, they have yet to deposit the stolen funds back into my account. This situation is highly concerning as it highlights the bank 's inability to safeguard its customers ' funds and maintain adequate security measures. 

My experience with J.P. Morgan Chase has been highly distressing, and I feel that appropriate measures must be taken to rectify this matter. I have been a customer of the bank for over 20 years and have never experienced such a breach of security. While I understand that mistakes can occur, the lack of transparency and support I have received during this process is unacceptable. As a result, I have decided to take appropriate action to obtain justice, including penalties and restitution for the stress and inconvenience caused to my family. 

This incident has eroded my trust in the bank 's ability to protect my funds and has left me feeling vulnerable and exposed. I urge the government to take a closer look at this issue and intervene to safeguard hard-working citizens like myself who entrust their funds to financial institutions. The safety and protection of customer funds should be of utmost importance and should never be compromised. 

I trust that the concerned authorities will take swift action to address this matter and ensure that justice is served. I look forward to receiving your prompt response and resolution to this matter.
Product: Credit card

I am a U.S. citizen who traveled to XXXX XXXX for a holiday visit when fraudulent transactions occurred on my Bank of America ( BofA ) credit card. Despite clear evidence of fraudincluding BofA 's records of an unknown phone number, IP address, and location linked to the fraudstermy claim was denied, and I was unfairly held responsible for the charges. 

**Fraudulent Transactions : ** On XXXX XXXX XXXX XXXX fraudulent transactions totaling {$3100.00} were made at merchants in XXXX and XXXX XXXX XXXX XXXX XXXX places I have never visited or shopped at : - XX/XX/XXXXXXXX XXXX XXXX  {$300.00} - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$960.00} - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, {$920.00} - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$930.00} After reporting the fraud, BofA XXXX multiple new cards to my accommodations in XXXX XXXX XXXX but I never received the physical cards. I was able to use my new digital card, but the physical ones never arrived at my location in XXXX XXXX to date. 

**Additional Attempted Fraud XX/XX/XXXX : ** On this date, another fraudulent transaction was attempted and rejected for {$2700.00} at XXXX XXXX XXXX same merchant at the same location as in the original fraudulent event. Additionally : - After unsuccessfully attempting to further defraud me, the fraudster attempted to add my new card to their digital wallet using a phone number and IP address unfamiliar to me. 
- BofA has records of the phone number, IP address, and geolocation of the device used, which could identify the fraudster as they notified me that they had this information and asked me to verify if the information is familiar - I was not in possession of the new physical card at the time, yet the transaction showed as card present, proving my card details were compromised. 

**How My Information Was Likely Compromised : ** I suspect my phone was compromised when I purchased a XXXX XXXX from a vendor in XXXX XXXX when I first arrived in XXXX. This theory is supported by the fact that my fianc ( an authorized user of my account ) sent a photo of their new BofA card ( issued to our U.S. address ) to my phone after they returned to the US, and that same card 's details were used digitally in the attempt to add the card digitally to their phone including my fianc 's name. 

**Bank of Americas Failure to Protect Me : ** - Denied My Fraud Claim Despite BofAs own records proving fraud, they held me liable.

- Failed to Deliver New Cards Three different cards were issued but never arrived. 
- Ignored Key Evidence The fraudsters phone number, IP address, and location data should have been used to identify the culprit, not blame me. 
- Contradictory Data The similar transactions at similar sounding merchants in XXXX coupled with the XX/XX/XXXX fraud attempt displaying similar characteristics should have confirmed fraud beyond any doubt, yet my claim was still denied.
Product: Credit reporting or other personal consumer reports

BMG MONEY XXXX XXXX XXXX XXXX, FL XXXX XXXX BMG Money is not registered in Florida, they are not authorized to collect debts from Florida residents. 
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C 1681e ( b ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My main complaint is with the 3 major credit bureaus. I am requesting for President Biden to transfer all of the Americans credit ratings from XXXX, XXXX and TransUnion to a more fairly used public registry that gives us all a fair game to the system, and I mean all minorities as well, and it should all be sent to you all the Consumer Financial Protection Bureau. I feel their system of running the people 's credit as rigged to advance only a select few and not anyone else that tries to get ahead as well in this country.
Product: Debt collection

XXXX XXXX w/ Collectrix garnished {$2500.00} from my wages and put a lien on my property for a debt I did not owe. It was the result of ID Theft. 

In addition he has threatened to sue me again, attempted to increase the amount of the original garnishment / judgment and now refuses to return the money after a Notice Of Entry Of Judgment has confirmed I was not the responsible for this debt. 

The courts also found he was not authorized to proceed as the assignee of the claim. Yet he garnished {$2500.00} and still has a lien on my property.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I deposited a loan check for XXXX $ from XXXX XXXX XXXX from my retirement 401 K. Into Wells Fargo Bank account at an atm. It was cleared on XX/XX/2023 for the funds to be used. Wells Fargo put a hold on my loan check for atleast 9 to 10 days without giving me any type of explanation. I spoke with XXXX XXXX XXXX and they indicated that they had a reference number stating that the check was cleared to go to the bank to get my funds released. I went to Wells Fargo bank even spoke to a supervisor about it and they just said that they couldnt help me out in releasing my money to me. This loan is an emergency that I needed to take out in order to pay bills I needed to pay because I was in the hospital without pay. Somehow they didnt really cared about what excuse I had for them to release my funds. They just told me to wait until the hold was over fro the funds in 10 days that there was nothing they or I could do even though the check was cleared on XX/XX/2023 and funds were available to use. I believe I have been abused for either racism or stereo typed for my name, culture, race. It is unbelievable how a XXXX military veteran that has served his country has to go through this type of treatment with this company. I am extremely disappointed and will no longer be any part of this company as soon as I can get my funds available. I have been a big contributor and long years member for Wells Fargo bank. I just hope this nonsense can be stopped with this bank and other customers do not have to go through the same thing my whole family has been through thanks to them.
Product: Credit reporting or other personal consumer reports

Everything on my credit report is incorrect all accounts please remove. 
I have claims that have been open since last year. Please take off my credit report.
Product: Debt collection

I have visited XXXX XXXX XXXX XXXX XXXX for an illness in 2016 and there was a bill of amount total {$3600.00}. At that time I was experiencing financial hardship and did not have any income from work and was in the middle of the marriage crisis and divorce. The low income government health insurance plan did not qualify me later until I had the divorce paperwork finalized. And I had been unstable with my living address and changed my cell phone number several times to avoid my ex-spouse harassment. I am not aware that I have an unpaid medical bill until now and the payment had been sent to CMRE FINANCIAL SERVICES located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, CA XXXX. I had never received any collection letter or phone call from CMRE that I need to pay for this specific medical bill. The collection account had been opened since XX/XX/2016 for 2 years, 8 months. I hope that XXXX XXXX XXXX medical center can dispute my medical bill due to my financial crisis at that time.
Product: Credit reporting or other personal consumer reports

The company has inaccurate information that I have repeatedly asked to be verified. A lot of the information even if they take it down it may eventually come back up with no proof from these companies. Also the information between credit reporting agencies dont add up.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, XXXX XXXX, XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
On XXXX XXXX, XXXX, XXXX  XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are all reporting lates on my XXXX XXXX accounts that should not be reporting. My accounts were in deferment at this time and there should not be any lates reported. I have proof attached that the accounts were in deferment and the bureaus are reporting inaccurately on these 2019 lates. I would like all these lates removed from my accounts.
Product: Credit reporting or other personal consumer reports

Equifax is reporting incorrect information on my credit report I have disputed these items and provided a FTC report and they said they would investigate it but i have not heard anything it's been months. The following accounts are a result of fraud on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date reported XX/XX/year> Balance owed {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX owed {$6700.00}
Product: Credit reporting or other personal consumer reports

CFPB-15 U.S. Code {$1600.00} c-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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Inquiry not tied-up to open accounts : XXXX XXXX XXXXXXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I got a text saying there was a suspicious activity on my account from " XXXX  XXXX XXXX ''. I then received a call from XXXX XXXX XXXX ( an actual veruified XXXX  XXXX XXXX XXXX ) asking me to verify the activity. The man on the phone said he had to shut down my card and pin and send me a new one. Then he had me give him 3 codes over the phone, and one I had to log into my account and put it in to confirm it was me. Then he gave me his phone number ( XXXX ) and a fake name. After that a transfer of {$5200.00} went through, I called him back on his actual number ( I think ) and he answered saying " XXXX  XXXX XXXX, how can I help you? '' I told him what happened and he said he would stop the transfer and gave me a fake claim code. I then called XXXX XXXX XXXX 's number back a few minutes later to confirm my claim because this all felt suspicious. They had no record of any of this. They told me it was a scam and that because it was over XXXX minutes, they could do nothing except file a claim with Chase bank, who received my money. I filed a claim and the transaction still went through! I called Chase and they said they could not help me. I filed with the FTC and police and no one is helping me! XXXX  XXXX XXXX says I have to wait 90 days and fill out some form, which they have not gotten to me yet. Now I have no money in my account. On top of this they charged me a {$30.00} transfer fee!
Product: Student loan

I tried to pay my on my student loan for XX/XX/XXXXat the beginning of XX/XX/XXXX. When I went to pay online it showed my loans were in forbearance. I called Navient and they told me that because I was in a natural disaster area that all loans were put into forbearance. I asked for it to be removed so I could pay on my loan. The gentleman instructed me that they could take off the forbearance but my first payment would not be due till XX/XX/XXXX. 

I kept getting calls from Navient asking me to pay throughout XX/XX/XXXX. I spoke a second time to Navient 's customer service and they said someone would listen to the recorded call from the previous conversation and get back to me. No one got back to me. What they did do is call me again and again asking for me to pay all of my past due balances. 

Our third conversation for the month of XX/XX/XXXX a manager got on the phone and said there was nothing she could do. I find this unacceptable. I followed their instructions on waiting to pay in XX/XX/XXXX yet I kept getting harassed with dozens of phone calls. They could have just said " just pay in XX/XX/XXXX '' as was originally explained to me on a recorded line. 

I'm the one that asked to have my loan taken out of forbearance so I could pay on it. I followed their instructions but yet somehow i'm the one at fault here. Their business practices are terrible and they offered no consolation here for their mistake. 

I went ahead and paid everything they asked me to ( plus a little extra ). I fixed things as they instructed, but I feel they need to make this right with me. I'm sure i'm not the only person they have done this to over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently put a copy of my credit report, and I notice two inquiries, showing on my credit report I understand that inquiries must remain on your credit report for two years, however The inquiries listed on my XXXX XXXX credit report I did not authorize or give my consent to pull my credit. XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023
Product: Debt collection

The Law Offices of Mitchell D Bluhm & Associates keep calling me trying to collect a hospital debt. I have asked on numerous occasions per the rules of FDCPA to provide me with a verification of debt and documentation that I owe the debt. They keep calling harrasing me and saying they sent it but have not. The other day another person called telling me it " was not sent to an attorney for review yet '' making it seem like they may sue me. I was told I would have to reach out to ask for the verification of debt and told them three times I have asked them to do their job and provide me with it per the rules and they still have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

7. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Bank account or service

Santander Bank advertised its XXXX accounts by saying that customers could earn an extra {$20.00} per month " for as long as you own the account ''. This was obviously meant to imply that this was not a temporary promotion. However, about 2 years later, they closed all of the XXXX XXXX accounts and transferred the balances into XXXX of their other products. Their advertising was intentionally deceptive. In addition, after closing my accounts in late XXXX, I realized that they had never credited my account for the last {$20.00} that I was due for the month of XXXX. They admitted their mistake but said that since I had closed my accounts they could not give me the {$20.00} I was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need paper work to validate the debt I never received contract purchases the whole credit file as I believe this was done XXXX my wife when I went to jail and I cant prove that in court unless I get the information on my credit file. I am a XXXX customer so the fact that I am not reachable is not valid its an excuse. Please mail me my credit file as I believe this was done fraudulently
Product: Credit reporting or other personal consumer reports

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

I submitted a dispute for a XXXX account on my report. I called XXXX and they had no record but it is listed as a residential account in Delaware opened in 2017. I have never resided in Delaware nor opened an account to XXXX at that time. XXXX could not find the account yet the dispute came back that it is my account. XXXX could not give me any information
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements Particularly 15 USC1681e ( b ) ,1681i ( 5 ), and 168c ( c ). despite multiple written disputes regarding inaccuracies on my credit report, XXXX has refused to conduct proper investigations or correct the errors as mandated by law I have sent dispute letter to Experian regarding this Account XX/XX/XXXXXX/XX/XXXXXXXX. I have provided detailed evidence supporting your disputes. Experian either failed to respond adequately or continued reporting incorrect information. This Failure has caused harm to my credit score, impacting my ability to secure credit
Product: Checking or savings account

On Saturday morning I woke up to two emails from Bank of America online banking from XX/XX/XXXX at XXXX pm. The first email was titled 'Verify your email address ' and the second sent at XXXXXXXX XXXX was titled 'Welcome to Online and Mobile Banking. I forwarded both emails to XXXX and did not hear anything. 

On Tuesday XX/XX/XXXX @ XXXXXXXX XXXX I received another email from Bank of America titled 'Your email address was updated '. This time I forwarded the email and also called Bank of America. I spoke with a person in the fraud department who confirmed the account was opened with all my information and she was able to tell me the strange email address the account was changed to ( strange because it was a random combination of letters and numbers, not a word or a name like a someone would use ). She told me no money had been placed into the account or removed from the account and that she was closing the account. She also told me she would send me information regarding fraud detection and protecting myself in the future. 

I have not received anything. I am not even 100 % sure this fraud issue has been resolved. I'm worried for my credit and future as all my information seems to have been breeched. 

In addition, I already had a fraud alert placed on my credit accounts from XX/XX/XXXX when someone attempted to file an unemployment claim in my name. My employeer HR department informed me of the unemployment claim they received.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit inquiries I see in the last weeks some fraudulent inquiries i am guessing may be linked to fraud effort to obtain a car purchase or car loan or finance, from companies such as ( I am not trying to get any such matters and never contacted any of these companies ever ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and maybe more. 
someone is fraudulent and stealing my identity and I need this stopped and investigated. 

I put fraud alerts and credit freezes on all three credit reports and their fraud division needs to review this also. no one should access my info! its all fraud..