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

Tuesday XX/XX/year> at XXXX used ATM machine a Chase Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Note I only use my debit card at ATM. 
Wednesday XX/XX/year> That morning A ran some errands came home around XXXX did not have cell phone with me. Checked my cell phone was an alert on a purchase on my debut card to XXXX XXXX XXXX. I was able to stop that transaction. After that I immediately checked my email. At XXXX XXXX  was a notice wanting to activate an international wire in the amount of XXXX and {$40.00} fee At XXXX Chase wired funds. NOTE I NEVER AUTHORIZED THIS TRANSACTION. Contacted Chase immediately and talked to wire fraud dept. They made no attempt to cancel this wire. 
Thursday XX/XX/year> went to Chase Bank closed allour accounts and re-opened new accounts. 
This has not been resolved and I have been corresponding with Chase for months. I also filed a police report with XXXX. XXXX, XXXX  police dept. 
I would appreciate any help you could provide us at this point I don't know where to turn. 

XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I'm not understanding this charge for 2014. I dont owe anything and I do not accept this company having put my name on the collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/20XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

My social security number was a victim of identity theft. I have reported this and sent police reports and ftc identity theft reports several times and Ive been told that they would delete this account. I was told it was marked out as fraud and deleted, yet this is still reporting this fraudulent account six months later. This is a violation of the FCRA, and a violation of all of my consumer rights. This needs to be deleted immediately and removed from my credit report permanently
Product: Debt collection

I have contacted you regarding a collection agencies that will not stop trying to collect a medical bill that can not be paid by insurance for not having the copy of the actual bill. All three of the companies are affiliated with XXXX company. XXXX XXXX XXXX. XXXX of the collection agencies have been resolved and removed from my credit reporting. I thank you for looking into this to matter to re solve this complaint, XXXX XXXX XXXX XXXX 
( XXXX ) XXXX
Product: Checking or savings account

-There are two users on my Chase checking account with ATM cards. 
-One of the users had a fraud alert that caused Chase to replace their ATM card at the end of XXXX. During that call, the user of the account requested whether we should proactively close their other user 's card to avoid a fraudulent charges there. The bank said that was not necessary. 
-During the week of XXXX, the other ATM card in question wound up also being compromised and a series of {$100.00} withdrawals was taken over several days to a total of ~ {$950.00} in Florida , a state I was not physically in. On XX/XX/XXXX I saw the fraudulent withdrawals upon logging into Chase and notified them of the fraud. 
-Likewise these ATM cards include a chip, so I'm unsure of how that technology protects me if this can happen. I had the physical cards. 
-On XX/XX/XXXX Chase denied the claim because they showed activity of me logging into the account during the withdrawal period and claimed I was aware. I had not logged into the interface and was not aware of the withdrawals. 
-The dispute is that based on the login information Chase shared we were able to identify that it the logins were due to automated budget software logging in and therefore I was not aware of the withdrawals. 
-Chase claims that as a result I am liable while I believe this should fall under Chase 's claim of {$0.00} fraud liability. 
-They have claimed they would re-review the case but have been unwilling to take into the account the specifics of this case. 
-They also refuse to acknowledge that if the customer rep had agreed to take the steps we suggested and replace both cards this wouldn't have happened. 
-I am now left holding the bag for {$1000.00} that was taken from Chase because their fraud systems were insufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Checking or savings account

On Wednesday XX/XX/2020 I attempted to login to my chase bank app to check my account and was given a notice saying my account was restricted and to contact the company. I did and they informed me that there was a review on my account and they decided to close my account and end the banking relationship but would not give me a reason why. I explained that this may be due to a fraudulent company gaining access to my account and I needed to speak with someone and they told me they already gave me an answer and hung up on me. I also want to report the company I was working with for the loan. Cashcentral.com I have attached the emails I received from them as well.
Product: Credit card

Transferred a {$4000.00} balance from XXXX XXXX XXXX XXXX Truist XXXX. On Thursday, XX/XX/XXXX, Truist Debited my Truist XXXX for {$4000.00} + {$120.00} transfer fee. XXXX XXXX XXXX has not received the {$4000.00} credit as of XXXX on XX/XX/XXXX. I understood, after reading the disclosure for the Truist XXXX transfer, that it could take XXXX to XXXX  days for funds to credit to my XXXX XXXX XXXX XXXX and up to XXXX  days to complete the transaction. I have not received {$4000.00} from Truist as a Credit To my XXXX XXXX XXXX, but Truist has issued a {$4000.00} Debit to my Truist XXXX  and we are now XXXX  days into the XXXX days leading up to an interest charge. Truist has begun the XXXX  day progression leading to an interest charge on funds I have not received. After speaking with the Credit Card Department of Truist, their repeated response to my concern was, our disclosure that you signed indicates the time it will take for funds to transfer. No where in the disclosure does it indicate I would begin the billing cycle, leading up to an interest charge, before I ever receive the funds requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX XXXX and filed bankruptcy XX/XX/XXXX and wanted to reaffirm my mortgage. They refused to sign the reaffirmation agreement after asking for an extension for them to sign the papers. A filed the papers with the court and was given a deficiency filing status under chapter XXXX and it was denied under chapter XXXX  prior to converting. 

The mortgage showed as closed on my credit report and I was advised through legal assistance that I was no longer responsible for the loan. I attempted to get them to work with me but they refused demanding all the money, they transferred my loan to Pennymac Loan Services sometime in XX/XX/XXXX and they initially did not want to work with me either. 

I was able to supplement income and applied for a trial modification that was eventually approved and it became final in XX/XX/XXXX. 2 weeks ago I check my credit report and see that XXXX XXXX XXXX is still listed as closed on one credit report and has been removed from the other report. Pennymac is now being listed as open mortgage account with current payments and 8 missed payments, after showing being closed.
Product: Credit card or prepaid card

On or about XX/XX/21 I applied for a Chase Freedom Unlimited credit card with this signup offer : " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from opening the account. And earn 5 % cash back on grocery store purchases ( not including XXXX or XXXX purchases ) on up to {$12000.00} spent in the first year. '' I received the card a couple of weeks later and started using it. After my first statement, and after spending more than the required {$500.00}, I found that Chase did give me the {$200.00} bonus ( in the form of XXXX bonus points ) but not the 5 % on grocery store purchases. I called to ask why and was told the I never signed up for that sign up package. I told them that I did and Chase person said she'd escalate and that I'd hear back in 14 days. I received a letter 10 - 12 days later that said, " Thank you for contacting us about the bonus offer on your account. Although your account isn't eligible for the new offer you requested, the original offer is still available to you. We encourage you to take advantage or your original offer. Your original offer is XXXX bonus points after you spend {$500.00} on purchases in the first 3 months your account is open '' On XX/XX/21, I called again to find out why I didn't get the full bonus offer. After several calls, I reached a supervisor who told me that there were 2 offers in effect at the time I applied for the card, the one I described and another that gives {$200.00} but no grocery store bonus. That is, one offer is a subset of the other and worth about 30 % of the other. Which one you get, according to the supervisor, depends on which online route you took to the application.
Product: Money transfer, virtual currency, or money service

I used XXXX to make two payments on Friday, XX/XX/2022 through Zelle- both payments were for {$310.00}. 

Both payments are listed as 'processing'- neither one has been paid and I am being told that it is impossible to cancel the payment. 

I was told on Friday by XXXX that it would take 2 business days to process because of an OFAC investigation and that there was nothing they could do. It is now Tuesday. The payments are still showing as 'processing. ' The XXXX representative told me today that it could take up to six days. XXXX still claims they still can not cancel the transfer. They recommend I pay the person I owe the money to in a different way and then hope that person gives me back the money if an when the Zelle payment actually goes through! 

There is no way to speak to someone at Zelle. They claim it is up to XXXX to address the problem. XXXX claims it is out of their hands.
Product: Credit card

I am a victim of identity theft. Several accounts have been opened without my knowledge. Please remove these accounts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( CHARGE OFF ) ACCOUNT remove this account for inaccuracy. the date of last activity is inaccurate .every month you are reporting a charge off MEANS i MISSED A PAYMENT YOU HAVE FAILED TO REPORT THE STATUS DATE FOR EVERY MONTH.
Product: Checking or savings account

Chase bank fraudulent activity report I reported to chase several time my transaction is not my authorized and chase transfer and allow without my permission either debit and checkingtgeybnoever provided me safe way banking. Never refunded my XXXX XXXX payment 3 times not be refunded as fraudulent And closing my account and charge fees Plus my pay is stuck in bank. 
Now XXXX suffering my money back Chase is worst banking I have never seen them before
Product: Credit reporting or other personal consumer reports

Disputed accounts and no action was taken all accounts needs to be removed from credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out my information was impacted by the XXXX data breach and now more than ever I feel my information has fallen into the wrong hands. I research the proper way to dispute these inaccurate and misleading items and now over 45 days I received no response. I feel like Im on a hamster wheel going around in circles regarding these inaccurate items. I also researched it is against the law to continue to report inaccuracies especially when they have not been validated. Please assist in removing these items immediately. Thank you
Product: Credit card

First National Bank of Omaha has charged my credit card a {$25.00} Fee for a Dishonored check in the amount of {$20.00} payment that I made online using First National Bank online banking now allow me 2 inform you that the payment was not Returned by the Bank the payment could n't be process key word '' PROCESS '' I believe it could n't be " PROCESS '' is because unknown 2 me First Bank was in the process of overhauling their erratic website which I believe had something 2 do with my payment not being process keyword is process not Returned.This is not my first problem with First Bank back in XXXX 2014 they allowed {$400.00} in credit card fraud be applied 2 my account.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along wsith my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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: Credit card or prepaid card

In XX/XX/2023 I refinanced my home and reached a written settlement with Synchrony Bank TJX Rewards XXXX. The account was Settled in Full for {$2700.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' Synchrony Bank accepted and deposited my {$2700.00} check from the Title Company, marked as Settlement in Full. However, AFTER the payment was received, Synchrony Bank reported my account as " Charged Off '' with a balance of {$3400.00}. This report has occurred every month since XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " Paid '' status, and it is still showing an account balance of {$3400.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). Synchrony Bank most recently reported this on XX/XX/2023, and I expect they will fraudulently do so again this month. As a result of this " Derogatory '' report and falsely reported " Amount Past Due, '' my credit score has dropped each month it has continued to be falsely reported.
Product: Credit reporting

I do not owe XXXX XXXX XXXX or XXXX XXXX XXXX. I have abided by all contractual obligations and have paid rent in full covering the entire stay in the apartment complex. I gave notice and left the apartment paying all rent in full. I left the apartment due to XXXX XXXX instances which there was theft to my property and that my life was in danger due to possible fire. As the result of their unlawful claim in my credit history, I have been denied to rent elsewhere
Product: Debt collection

XXXX XXXX XXXX XXXX has a long history of credit card collection maleficence and abuse of the legal system. They failed to serve me a suit with the Index number in XXXX XXXX, NY of XXXX. Their process server filed a perjured Affidavit of Service on a date I was out of state during recovery post XXXX XXXX XXXX. Additionally, the server 's description of the servee was fictional. XXXX XXXX XXXX was informed of this fact and followed up with a revised perjured Affidavit of Service that was attached to a picture of a house that is not mine, updated with a description of said recipient only after I appeared in court and used accordingly. Their revised Affidavit of Service documented their use of perjury to confirm service. It included a picture of a building that is not my house, as well as a cell phone picture was taken of me with an illegible piece of paper taken MONTHS AFTER their initiation of a case and not on the date and time they claim I was served. The Affidavit of Service CLEARLY states the date of service as well as the time of XXXX XXXX The photo that was shot MONTHS LATER, clearly shows the time shot as XXXX XXXX XXXX  '' so it is quite obviously not the date and time that is stated in the Affidavit of Service. 

Additionally, XXXX XXXX  XXXX have ignored filed discovery requests including supplying copies of bank statements that cover the time period of the amounts they claimed are owed to Discover Bank. I had to appear in court to answer this action at times I was in the middle of an XXXX daily session of XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX ignoring discovery is a willful attempt to keep me from validating the amount they claim is owed to Discover Bank. I have knowledge and documentation of refunds owed to me by Discover Bank, as well as documentation of {$1200.00} of funds transfers that did not arrive at the directed bank and were not credited back to my Discover Bank checking account.
Product: Debt collection

I have tried to fix the situation with this company multiple times with Fair collection & outsourcing. This debt that is not mine which is a result from identity theft, this company has been paid using a 1099c and the company is still reporting negatively on my consumer report. The company has already discharged the debt via 1099c. I have already contacting the 3 major consumer reporting agencies about this matter with police report and identity theft report and yet they refuse to remove the item from my consumer report. I am now demanding Fair collection & outsourcing to properly remit 1099c so that I can properly file my taxes. I am demanding that fair collections & outsourcing send me a copy of the 1099c b for the debtor documentation that Fair collection & outsourcing has already transferred over to the treasury. Also i am demanding that fair collection & outsourcing contact all 3 consumer reporting agencies and update the status of the consumer report to paid or remove the identity item from my consumer report either or because this is not my debt but since they have already been paid they have a choice to either update my consumer report to paid as agreed or remove and remit payment and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for. I am also aware of the certificate of indebtedness which Fair collection & outsourcing has used as assets on the trading market also files a 1099 c with the IRS for all debt over {$600.00} yet failed to provide.I know that Fair collections & outsourcing is trading my securities through the trade market system if not i will have to take extreme measurements in federal court which is the proper venue due to securities being involved. Along with IRS FOR TAX EVASION.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Re-Investigation Dispute Letter Regarding Collection Complaint Dear Sir/Madam, I am writing to request a re-investigation of a collection complaint that I previously submitted to the Consumer Financial Protection Bureau XXXX CFPB ) regarding XXXXXXXX XXXX XXXX the collections company, and their association with the original creditor, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/2024, I filed a complaint with the CFPB ( Complaint ID : XXXX ) outlining my concerns about the collection practices of XXXX XXXX  in relation to an alleged debt originating from XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Despite my efforts to resolve this matter directly with XXXX XXXX, I have not received a satisfactory resolution or validation of the debt in question. 
I believe that there are inaccuracies and discrepancies in the collection process and reporting by XXXX XXXX, which warrant further investigation by your office. Specifically, I am disputing the validity and accuracy of the debt they are attempting to collect from me. 
I respectfully request that the CFPB conduct a thorough re-investigation into this matter to ensure compliance with all relevant consumer protection laws and regulations. I am seeking clarification on the following points : *Verification of the debt 's validity and accuracy. 
*Documentation proving XXXX XXXX  's legal authority to collect on behalf of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 

Any supporting evidence or documentation related to the alleged debt. 
I appreciate your attention to this matter and trust that the CFPB will conduct a fair and impartial review of my dispute. Please provide me with updates on the progress of this re-investigation and any findings or resolutions reached. 
Thank you for your prompt attention to this request. I look forward to a swift resolution of this dispute. 
Sincerely, XXXX XXXX