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

On XX/XX/year> and XX/XX/year> I was a victim of a fraud through my Chase Bank XXXX. On XX/XX/year> I received a text message claiming to be Chase Bank stating that a wire transfer was being requested for my account and asked me if I requested the transaction. I replied no and almost immediately received a phone call. The caller stated his name was XXXX XXXX and that he is a fraud investigator for Chase Bank. I looked up the number he called from and it showed to be a valid phone number for Chase Bank. He stated that someone was attempting to transfer {$500.00} from my XXXX account. He stated that I needed to reverse the transaction and instructed me to transfer {$500.00} from my XXXX to Chase to reverse the fraudulent transaction. He instructed me to XXXX the money to phone # ( XXXX ) XXXX which I did under XXXX transaction # XXXX. He told me to use the initials AM which is the first letter of my last name and first name as the recipient. Upon looking at the transaction on XXXX it shows to have been paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. After making the XXXX transfer he advised the {$500.00} would be placed back into my account. On XX/XX/year> I received another phone call from the same person claiming to be XXXX XXXX from Chase Bank Fraud Department. He stated that someone was again attempting to transfer funds from my Chase Bank XXXX snd the amount this time was for {$2000.00}. He instructed me again to transfer the {$2000.00} to the same phone number ( XXXX ) XXXX and again using the initials XXXX which are the first letters of my last and first name. I did as instructed and transferred the {$2000.00} from my Chase Bank XXXX. Upon looking at this transaction on my XXXX it shows to have been paid to XXXX XXXX XXXX XXXX XXXX. XXXX, Texas. After the second transfer on XX/XX/XXXX I became suspicious and called Chase Bank. I was advised by an employee in the fraud department that I was a victim of a scam. I filed a fraud claim with Chase Bank claim # XXXX. Chase Bank denied my claim and has refused to reimburse me the {$2500.00} that was taken from my account through the qualifying imposter scam. Chase sent me a letter and advised me that the transactions were processed according to the information I provided and was authorized. I contacted Chase upon receiving the denial letter and attempted to dispute the denial. I was advised that the investigation into the fraud was now closed and could not be disputed and that I would not be reimbursed for the {$500.00} and {$2000.00} transactions. I believe that I am eligible for reimbursement through the electronic funds transfer act due to being a victim of a qualifying imposter scam.
Product: Debt collection

XXXX XXXX through XXXX XXXX and Associates of XXXX Georgia have recently garnished my paycheck on XX/XX/XXXX and XX/XX/XXXX for a debt that was already satisfied by XXXX XXXX/month consecutive payments made first in XX/XX/XXXX through XX/XX/XXXX. I have my cancelled checks as evidence. It would appear that once i satisfied the debt, the debt collector had a responsibility to file the appropriate dismissal with the same court they filed the suit in. This unlawful garnishment has caused me and my family immeasurable pain as I had my home on the market and was under contract for my new home when I was made aware of the garnishment.
Product: Checking or savings account

Someone hacked my cashapp account and withdrew {$260.00} and bought a bunch of bitcoin in increments. This happened on XX/XX/2023 at XXXX. All together it was XXXX. I have disputed it with cash app and also XXXX XXXX. Cash app keeps denying it and will not give my money back to me. I've been getting a run around since then. All I want is my money back. That's all the money I had for my XXXX XXXX XXXX daughter and I. I keep getting different answers. Nobody has helped me through cash app at all.
Product: Credit reporting or other personal consumer reports

I am writing to let the 3 credit bureaus that I was the victim of identity theft. I looked up how to get rid of the bogus accounts on my report and discovered that I had to file a report with the Federal Trade Commission or go to https : //www.ftc.gov. Additionally, according to FCRA section 605b, credit reporting agencies have to remove or ban any accounts that are included on an identity theft report. on help with the banning of the inaccurate information being uploaded on my report, kindly refer to the documents that are attached. 

The list of items and accounts that are not mine or were opened without my consent is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed XXXX {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I lost my bank card and someone found it and racked XXXX dollars on it out in XXXX CA . I barely get buy on my social security check which is XXXX a month. I repeatedly have been lied to giving the run around. I talked to an executive named XXXX numerous times got nothing but the runaround. I 'm XXXX in my account. They will not help me. I advised her and a lady at Chase bank about Federal Consumer protection law Reg. E section 205.6 since I reported it with in the 2 day period. Lady at bank laughed said we can do what we see fit. The executive XXXX confirmed this with me on a phone call, but will not do nothing about it. I 'm bout to loose my home, car ca n't afford to even feed my kids. I 'm in desperate need of help!! Please
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section XXXX of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX CO Inquiry Date : XXXX Creditor Name : XXXX XXXX  Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX Name : XXXX CARS XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX XXXXnquiry Date : XXXX Creditor Name : XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX NA Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Inquiry Date : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Credit reporting or other personal consumer reports

I am aware of all my rights that I have and are protected by Congress under the Fair Credit Reporting Act 15U.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 an account without my written instructions please delete these account Bull City Opportunity Finance XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Violations of Consumer Rights I am writing to formally dispute the inaccurate information reported on my credit file concerning accounts that have been charged off and subsequently paid through a third-party company. Despite the settlement of these debts, they continue to be reported in a manner that suggests I am still responsible, which is both misleading and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

1. Inaccurate Reporting of Paid Charge-Off Accounts According to the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 2 ), 15 U.S. CODE 1681 ( S ) 2, 15 U.S. code 1666, 15 U.S. 1666 ( b ), 15 U.S. code 1692 ( g ), 15 U.S. code1681 ( c ) 2, and 15 U.S.CODE 1681, furnishers of information to credit reporting agencies are obligated to update and correct information that is incomplete or inaccurate. The continued reporting of these accounts as unpaid charge-offs, despite their settlement, constitutes a failure to meet this obligation. This misrepresentation adversely affects my creditworthiness and is a direct violation of federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Improper Reporting of Late Payments Federal law mandates that a late payment can not be reported to the major credit bureaus until it is at least 30 days past due. Reporting a payment as late before this period violates the FCRA. Additionally, the FCRA requires that information furnished to credit reporting agencies be accurate and complete. Reporting a payment as late when it does not meet the definition of inaccurate information under the FCRA. 


3. Failure to Issue Form 1099-C and Continued Collection Efforts The Internal Revenue Service ( IRS ) requires creditors to file Form 1099-C when a debt of {$600.00} or more is canceled. The failure to issue this form, coupled with continued collection efforts or reporting the debt as active, maXXXX constitute a violation of IRS regulations and the FCRA. This practice can be deemed deceptive and unfair, infringing upon my rights as a consumer. 

Legal Precedents In XXXX XXXX  XXXX, the bank was ordered to pay nearly {$28.00} XXXX by the U.S. Consumer Financial Protection Bureau ( CFPB ) for misreporting consumer credit data, including inaccuracies related to delinquencies and account statuses. This case underscores the legal imperative for accurate credit reporting and the consequences of failing to adhere to FCRA requirements. 
XXXX
Product: Debt collection

I graduated college and decided to apply for XXXX as a XXXX. I contacted all parties involved in my Student loans and after months of communication and paperwork my loans were deferred and I entered the XXXX XXXX and served in XXXX. The XXXX XXXX has all paperwork that XXXX XXXX and Navient requested. While overseas I was being constantly harassed by Navient stating I needed to make payments. Before leaving I ( borrower ) made sure all was taken care of and covered because I knew I had very little to no communication abilities due to remote locations. Hence the reason I made prior arrangements. My cosigner attempted to resolve matters but one person would say they can not help without my permission and another would tell him appropriate paperwork needed to be done. So payment arrangement were set until borrower could make contact. Then had issues with Navient taking more out of bank account than agreed upon so account was closed after I believe 3 payments but for six months following Navient continued to access account then report payment returned. Reporting nonpayment. Navient notified again borrower who was oversees and deferment arrangements were in place according to XXXX XXXX XXXX. Since returning to United States I set up a payment plan, paid on time and now request another deferment returning to school and unable to continue paying XXXX a month requested different arrangements and told I ca n't only option was apply for a hardship. Rep stated my account would reflect my intentions. Today XXXX/XXXX/16 I received another harassing and threatening call that my account is in default and will be turned over to collections and reported. Yes, I lost my temper because the rep would not allow me to speak just kept threatening. I am so stressed out. I am an XXXX year old who has made all attempts to follow protocol ( adult thing ) by the book. I am in no way skipping out or refusing repayment. Just asking for help. No one at Navient talks except to feed you various stories then have another rep call and contradict previous conversation. When I initially took out my loans with XXXX XXXX I had no issues but since Navient bought my loans I 've had issues since day one. They constantly refuse to work with me, provide me with alternatives or a payment I can afford. Account up to date through XXXX 2016. What else is a young person to do?
Product: Checking or savings account

I received an offer in the mail to open a Key Bank checking account and make ONE single deposit of {$500.00} or more. I used the offer code XXXX and reservation numbner XXXX. They also provided a special link, which was : XXXX. I used this link instead of their regular website. 



I opened the Key Bank checking account on on XX/XX/19. We made a deposit of {$500.00} on XX/XX/19. We have also made more {$500.00} direct deposits. The terms were : You must open a Key Express Checking Account ( this is the basic banking account in NY ) Key Advantage Checking Account, Key Privilege, or Key Privilege Checking Account by the expiration date and make ONE single KeyBank deposit of {$500.00} or more within 60 days after account opening to get {$400.00}. The value of your gift will be reported on Form 1099 and deposited into your account within 90 days of meeting the requirement. 

We follow all the terms, but we did not receive our {$400.00}. We had to jump through hoops after the account was opened, such as : going to the bank with to prove our identity with IDs, we are not on the OFAC list see treasury.gov ( we waited at the bank over 1.5 to just shave them review our id ), we got a letter in the mail that said if we don't sign this signature card in 15 business days we will close your account. 

In addition, after all of this I waited for the money to be deposited in the account. This never happened. I sent an email to Key Bank, and I was advised to call the call center, because they said I did not put the offer code and reservation number in. I disputed this through email, and I was advised again to call the call center, I spoke to a rep there and they said I do not know why they told you to call us. 

There was nothing she could do. I asked to speak to a supervisor, and explained the situation. I advised I did put the code and reservation number in. She asked me for the codes, and she confirmed they were legit. She confirmed I followed the terms, but there was a disagreement on whether I put the codes in, I asked her if there could be a situation where systems don't work properly, and it is possible when I put the codes in the system the system did not take them. She said yes, yet she advised, I could not get the offer. I asked has anyone got the offer after the fact? She said she could not confirm or deny. I asked why not? She said the is specific information about someones account. I disagreed at this was more general. 

I asked is there any one else I could speak to help me get the offer. The supervisor said, no and something to effect this is high as this is going to go. 

I do not know if other customers have experience this, but this should be looked into. I opened this account as a trail run to see if I would bring my business over, but I am really disappointed in Key Bank. I would really like them to credit my account with the {$400.00}.
Product: Checking or savings account

Sent secure message to TD bank on XX/XX/2020 relating to account opening bonus. Received a response 2 months later on XX/XX/2020 that was system generated. Message stated that due to high volume of requests, the bank can't respond. Promptly called customer service on XX/XX/2020 and was unable to reach a representative ; call was dropped. I called back later on the same day and was hung up on. Attempted to call multiple times over the next month to no avail. Sent another secure message on XX/XX/2020 requesting to close the account due to lack of response regarding any inquiries. The account contained a positive balance at the time. A response was given on XX/XX/2020 by representative named " XXXX '' stating that there is a negative balance because a maintenance fee was charged on XX/XX/2020 due to lack of response. Any attempts to call the bank didn't receive a response. 

The same opening bonus offer is available via link : https : //www.td.com/us/en/personal-banking/checking-accounts/featured/? cm_sp=b000-00-5177-TNT # : ~ : text= % 24300 % 20bonus % 20offer % 20available % 20to,60 % 20days % 20of % 20account % 20opening. All requirements have been followed according to disclosures. Proof will be provided via account statements.
Product: Debt collection

I made a auto payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX on money my car was repossessed they still calling about the car its paid and full still on my credit XXXX will not provide my title XXXX XXXX Calling about credit card and personal loan and putting XXXX on my car thats paid XXXX full Calling before XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out through telephone and online apps and was not able to resolve the issue. They are violating US 15usc1681
Product: Student loan

My servicer, MOHELA, has given contradictory and inconsistent information regarding my repayment terms and is unresponsive. On XX/XX/XXXX I submitted a request via studentaid.gov to have my income-based repayment recalculated in reflection of a reduction in my income, on which I asked for whichever payment plan had the lowest monthly payment. The FSA website estimated my monthly payment would be {$0.00} on the SAVE plan or approx. {$120.00} on the PAYE plan. 
On XX/XX/XXXX I received an electronic document ( dated XX/XX/XXXX but not received until XX/XX/XXXX ) stating my loans were placed on an administrative " processing forbearance '' from XX/XX/XXXX until XX/XX/XXXX. 
On XX/XX/XXXX I was notified my request for IBR recalculation placed me on a SAVE plan with a monthly payment well above my ability to afford ( approx. 22 % of my " discretionary income '' as calculated based on federal poverty designations, and roughly 20 % of my actual total monthly net income ) with a due date of XX/XX/XXXX, in contradiction of the processing forbearance previously stated. 
I could not contact MOHELA by phone as calls were dropped and unanswered. I submitted a message via MOHELA 's website on XX/XX/XXXX stating my belief the payment calculation was in error and requesting resolution/recalculation. This message has not been acknowledged or replied to as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX keeps reporting my account as settled but has not started reporting with a balance and past due amount on the report. This account was settled and with an agreement to forgive the difference of the balance remaining. I keep getting reported as deliquent on an account that should no longer appear on my credit report at all. Once the settlement was signed, I refinanced with a different company to continue paying off the vehicle. XXXX XXXX XXXX called me multiple times per day even when I was at work stating that they needed to collect the money for my payments on my truck to the point of harrassment.
Product: Credit card

after requesting disputes with merchants, specifically a company called XXXX. Which performed an oil change incorrectly and overfilled the oil on my engine, causing damage and more money to be repaired at the XXXX XXXX XXXX in XXXXXXXX XXXX XXXX  during a road trip. I went to XXXX after two document the mishandling of my vehicles oil service And it clearly indicated that it was overfilled by an extra quart. Chase sided with the merchant because service was authorized regardless of my dissatisfaction and the overall unsafe practices by the Service Center, XXXX. I reached out to XXXX. They never responded hence why I decided to dispute the service charge. Chase decided to close my account based on a pattern of abuse and this was from their fraud department.
Product: Checking or savings account

Unauthorized/fraudulent transaction I am a customer of Bank of America, and on XX/XX/2019, a fraudulent transaction in the amount of {$100.00} was posted to my checking account. Since I had just made an ATM cash deposit in the amount of {$92.00} and noticed that my available balance was - {$0.00}, I went inside of the branch and spoke with a customer service representative who told me to call Bank of America Fraud Department and file a claim and go back to the teller to get my cash deposit in the amount of {$92.00} refunded while the fraudulent transaction is investigated. I contacted Bank of America Fraud Department and filed the claim, however the representative did not reverse my cash deposit. I spoke again with the branch manager and he asked me to call again and ask for the funds to be released, so he could refund me my cash deposit. I was connected with a representative named XXXX in XXXX, AZ who refused to reverse my deposit transaction and kept saying that the fraudulent transaction could not be reversed. I asked to speak with a manager in that department and was connected with XXXX, who also refused to reverse the deposit transaction. He told me that I would have to wait ten days for the transaction to be processed.