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

XX/XX/XXXX I received multiple emails from Chase bank about my bank account losing access to it's linked services and my savings and checking accounts being frozen. 

I call the bank when I wake up to see what's going on. I was told that there was a new signor who I've never heard of before onto my account who, afterwards, withdrew all the money from my savings and checking account totalling the amount of {$11000.00} XXXX. I let them know that I've done no such thing and that I'm currently out of the country so I'm physically incapable of adding a new signor. I ask them what the requirements are to add a new signor and I was told that I needed to be present at the bank with the new signor with 2 pieces of identification. Because it was impossible for me to have done that, I was told that I was a victim of an identity theft and I will be sent a check of {$11000.00} to my current address in XXXX XXXX. Overall this is very frustrating because I can not pay my creditcard anymore because the bank closed both my accounts and I'm not in XXXX to go to a branch to open a new one. 

XX/XX/XXXX I make a call to Chase 's fraud department to figure out what's happening to my reimbursement check. I was told that they accidentally sent it to my old address in XXXX ( which I specifically told them not to send it to ) instead of my XXXX  address. They let me know that they will void that check and send me another one to my Korean address. 

XX/XX/XXXX When I came home, I notice a letter from Chase Bank which I assumed it to be the check. When I opened it, it was a letter saying that they needed more information before they can send the check out, which was odd since it was sent out in XXXX. I make the call to the number written on the letter and I answer more security questions and retold what happened. At the end, they told me that Chase will contact me for more information if needed. 

XX/XX/XXXX I call Chase 's fraud department because I still haven't received my money after all this time. During the call, I was told that the claim was denied back in XXXX and I won't be receiving anything. I ask them why I haven't been told about any updates and I was told there's nothing they can do and try to end the call. Frustrated, I escalate it to his supervisor to ask about why the claim was denied. I'm told that because the signor was the one who withdrew from the account, it was deemed that it was not fraudulent. I objected saying that I've already told the same story multiple times over the past 2 months and asked them how would I be able to add a new signor if I'm not even in the country during that event. They only told me that they can not help me and I would need to visit a bank branch in United States. I told them it will cost a lot of money and time to do that and asked if they will compensate me considering it's their failure to do a proper security check but it was declined. 

I'm at my XXXX XXXX end and I'm genuinely not sure what to do at this point. Sorry for making this lenghty, I hope someone can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax Credit Bureau Attention : Compliance Supervisor/CEO To Whom It May Concern : I am sending this letter again in response because I have recently checked my credit report with your company Equifax. After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt or delete it immediately. 

XXXX XXXX XXXX NOT MY ACCOUNT- DELETE IMMEDIATELY If you can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report. 

I look forward hearing from you to resolve this concern. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX
Product: Debt collection

I have been receiving phone calls on my private cell phone from XXXXphone number. 
I live in XXXX and it is a XXXX area code I do n't recognize. 
They have never left a message, so, a XXXX ago I called back and askedthem to identify themselves, name of company, and what this is about. 
They keep trying to seek verification from me. I will not unless they tell mewho they are and what this is about?. I am recently widowed and was hospitalized in XX/XX/XXXX-XX/XX/XXXX a number of time and deemed XXXX on XXXX. 
This evening he called with this number XXXX and left a message threatening me with a lawyer. 
I read your information and it states his suppose to mail me documentation after the initial contact. Which was a XXXX ago and I have not received. I do n't even know the name of the company or who the caller is.
Product: Credit reporting or other personal consumer reports

These accounts was charged off on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX since then the account has repeated been updated as a charge off every month. This is an update in the payment history, a charge off account should not include an actual payment history. This an accurate information falsely manipulates the statute of limitations. You fail to investigate this amount properly in your neglect has violated my rights. I am demanding a decision of the following accounts., a charge off account should not include an actual payment history. This an accurate information falsely manipulates the statue of limitations. You fail to investigate this amount properly in your neglect has violated my rights. I am demanding a decision of the following accounts to be removed immediately.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Grounds XXXX Fair Credit Reporting Act XXXX FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Mortgage

My wife was released from Bankruptcy by NationStar/Mr. Cooper in XXXX XXXX. Nothing outstanding and approved by lawyers from both parties. In XX/XX/XXXX, we see that we are a payment behind stemming from error made XXXX XXXX and are now getting fees. After 4 months, a member of the Mr. Cooper escalations team found a " reversed payment, '' incorrectly added to account while our payment for that month was processed and no monies returned. This was found on XX/XX/XXXX and noted by Mr. COOPER. XXXX XXXX looked and submitted statements to Mr. Cooper which they have in their posssesion which added to that days notes. I call at least 4 times a month with nothing but another research request which takes 3-5 days for response. I also get letters saying allow 30 and additional 15 days to research. I've received 4 of those letters with no response. Its showing one month behind with hundreds in fees. How is it that the payment behind is more than what I was paying then? I'm held hostage with no options.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report there were inquiries being reported on my credit report by Experian. 

1.XXXX  -- XX/XX/2019 2. XXXX XXXX  XXXX-XX/XX/2019 3.XXXX XXXX  XXXX-XX/XX/2019 4.XXXX XXXX XXXX-XX/XX/2019 5.XXXX XXXX XXXXXX/XX/2019 6.XXXX XXXX-XX/XX/19 7.XXXX XXXX-XX/XX/19 I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Experian is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Experian is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Experian Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit card or prepaid card

about nearly 2 weeks capital one advertised online a statement that this particular card is a secured credit card, and that i could apply without a credit check. then i get a rejection statement after applying that i failed the requirements a unsecured credit card. when i applied for a secured credit card! i the company had XXXX  an employee call me then XXXX she said she does not know how to get the statement from the report off my credit report. im given a number to a so-called number of a Department of customer operator to assist, when in fact i was talking to a regular random telephone or customer care agent.she mentioned there's nothing she can do. whatever capital one sends to the credit reporting agency stays on my report... thencapital makes a response on my XXXX  complaint that i did apply for a secured card, but, there was nothing they could do! please look at the response from capitol one on my XXXX XXXX  report, sincerely.
Product: Debt collection

Collection was removed and reinserted multiple times by a few companies as well as re-aged.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Below are the accounts I am requesting to be delete : XXXX. XXXX XXXX/ XXXX XXXX. XXXX XXXX/ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was XXXX and XXXX and had my identity stolen on vacation in XXXX XXXX on XX/XX/XXXX. The criminals stole my XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and my ID. I was passed out believed they slipped something in my drink and woke up with everything gone. I have submitted a police report and found the criminals information online via XXXX. Overall i am having problems with wells fargo reimbursing all of my money back. They gave me back about XXXX of the XXXX that was stolen. I have two transactions with them on the same day of the incident saying one from my savings for {$1000.00} and another of {$2500.00} on my credit card. XXXX XXXX is saying that they were authorized from a secure device that I authorized and will not reimburse me for these transactions. I have been dealing with this since the incident. It is now XX/XX/2023 and i have been denied three times with this claim. I have provided a police report saying that the phone was stolen and it was still denied. I feel like they just keep running me around the block and its literally been over 100 days dealing with this. This is starting to affect my credit report now and I am exhausted dealing with this constantly on my days off and i work 50-60 a week. Can you please help me resolve this it has been going on to long.
Product: Money transfer, virtual currency, or money service

Summary of events On XX/XX/XXXX I opened a Home Equity Line of Credit with XXXX XXXX On XX/XX/XXXX I received and cashed a {$50000.00} disbursement check from XXXX XXXX into my XXXX XXXX XXXXXXXX checking account On about XX/XX/XXXX I was called from who appeared to be a Chase Bank ( on the caller ID ) and was questioned about the check, I did not provide any information other than telling them there was no authorization for Chase to have this check and that I had previously cashed it already. 
On XX/XX/XXXX my XXXX XXXX XXXXXXXX checking account was adjusted for what I was told is a duplicate deposit of the XX/XX/XXXX posting, I was told that XXXX had the rights to the check since they were the issuer and they needed to proceed with any type of claim at this point. 
Upon further research into the matter with XXXXXXXX XXXX I was told that XXXX XXXX XXXXXXXX was successfully paid on XX/XX/XXXX and that the check was presented a 2nd time at a Chase bank on XX/XX/XXXX. XXXX will not definitely say if they allowed the check to be cashed the 2nd time. 
I am getting conflicting information on who retracted the funds from my account, XXXX XXXX XXXX says JP Morgan Chase and XXXX says XXXX XXXX  XXXX or JP Morgan chase needs to be involved. 
JP Morgan Chase will not tell me anything and I am powerless at this point to do anything further which is why I switched my direct deposit from XXXX to XXXXXXXX XXXX. 
My checking account at XXXX is currently in deficit of {$35000.00} and XXXX XXXX XXXX refuses to open a claim no matter who I speak with, they claim I need to go through XXXX for wrongfully disbursed funds and they are going to close my account on XX/XX/XXXX if I don't bring it to a XXXX balance immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX CREDIT CARD ON XX/XX/XXXXXXXX  AND SYCHRONY BANK on XX/XX/XXXXXXXX furnished an inaccurate and fraudulent report to all consumer reporting agencies and in doing so violated my consumer rights pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

SYNCHRONY BANK and XXXX XXXX CREDIT CARD 'S inaccurate and fraudulent reporting of this account has caused severe damage to my character, reputation, my general mode of living and my ability to obtain credit for personal and household purposes. Their inaccurate reporting damaged my livelihood. 
As defined by the IRS for cancellation of debt : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return a form which they failed to send me. 
The 1099-C form reports a cancellation of debt ; creditors are required to issue Form 1099-C if they cancel a debt of {$600.00} or more. Form 1099-C must be issued when an identifiable event in connection with a cancellation of debt occurs. 
According to XXXX, the CFPB says that income is not part of a credit report. Creditors may include employment information, such as the name and address of an employer, on a credit report. Creditors may also consider income that a stay-at-home applicant shares with a spouse or partner when evaluating an applicant for a new account or increased credit limit. 
Since these debts were clearly charge off accounts it means that there cancelled debts which is GROSS INCOME which can not be reported on my consumer reports
Product: Payday loan, title loan, or personal loan

On XX/XX/18 I contacted Tower Loan in XXXX XXXX, MO to request approval for insurance that I opted in for when I originated my loan, in case unemployment occurs during the life of my loan repayment. The Branch Manager assured me that she would send out the paperwork and if approved I wouldn't have to make a payment on my account for 3 months if my unemployment continues. On XX/XX/XXXX, at XXXX a representative from Tower Loan contacted me and informed me that he was calling about my past due amount. I informed him that I was waiting for the paperwork that was supposed to be mailed to me and if I didn't receive it by the next day, that I would contact them. I reminded the representative that I'm unemployed and can't make a payment. Five minutes later the representative called me back and informed me that he needed to discuss my past due amount and making a payment. At that point, I stated, " I'm confused why you're asking me about making a payment if I have insurance that will pay my monthly payment. '' I then informed the representative to only correspond with me thru mail and email because I feel that I'm being harassed. He then told me he wanted me to talk to the branch manager. The branch manager got on the phone and immediately started talking to me in a hostile and abusive tone. I informed her that I didn't want her company to call me due to me feeling harassed and disrespected by her and the representative. She told me that she had a right to call me and could, and would continue to call me as much as they wanted even if I told them I didn't want to be called. I informed her that as a customer, I have the right to ask for further correspondence to occur thru the mail or via email. She told me she didn't know where I was getting my information from, but that she would continue to call me. I've contacted the area manager, but I'm still being harassed by this company.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I noticed authorized inquiries on my credit report that I would like to remove.
Product: Credit card or prepaid card

XXXX direct express has allowed someone to empty my account of all my moneys and not even told me how or why they let it happen!!!, Just that they let someone wire all my savings to someplace and now its EMPTY and they wont let me know how this has happened with out my evening knowing Anything about it? 
I would like to talk to a customer service person on the phone to ask some questions about it! Not a computer voice that does not answer it just hangs up on me and says thank you good by!!!! 
My savings of over {$2000.00} fixed income for all my living needs is gone!! 
What can I do.?? Do I have any one to talk to?? And will this keep haplnging again next month when my SS check is sent? 
Any help will be VERY APPREATED!!!
Product: Debt collection

Sending the matter to smalls claims, the affidavit needs LVNV or Resurgent Capital registered agent information to send them documentation from a constable.
Product: Checking or savings account

I am filing a complaint regarding suspected consumer fraud by the merchant XXXX XXXX, from whom I placed an online order on XX/XX/year>, totaling {$83.00}. The order was supposed to include three bodysuits and two full-body short bodysuits. I have not received the items to this day. 

Despite multiple attempts to resolve the matter directly with the company, they have failed to communicate, provide any delivery update, or offer a refund. Here is a summary of the issue and the steps I have taken : Merchants Failure to Fulfill Order Order placed : XX/XX/year>, for five clothing items. 
Shipment never received. There was no delivery to my address. 
No tracking update or correspondence provided from the merchant. 



Unresponsive Customer Support Emails sent : XX/XX/year>, XX/XX/year>, and XX/XX/year> No responses received. 
Phone calls made : XX/XX/XXXX and XX/XX/XXXX The customer service number rings twice and then goes silent. There is no voicemail, no automated system, and no representative to speak with. 



Shipping Carriers Confirmation of Misdelivery After my initial claim was denied by my bank ( Wells Fargo ), I contacted the shipping carrier, XXXX, on XX/XX/year>. 
XXXX confirmed in writing that the package was misdelivered and did not reach my address. 
I was advised by Wells Fargo to follow up with the carrier, which I did, and have attached the email correspondence as proof. 



Merchant Misrepresentation to XXXX  I was also informed by a Wells Fargo claims manager that XXXX XXXX responded to XXXX  and claimed that the package was delivered, supported by XXXX. However, XXXX  does not confirm successful delivery to my homeespecially when the carrier admits the package was misdelivered. 



Why I Believe This Is Consumer Fraud The merchant is : Failing to deliver the goods paid for, Providing no customer service or assistance to resolve the issue, Avoiding accountability by misrepresenting the delivery status to financial institutions, Ignoring multiple customer inquiries, both written and by phone. 

This conduct is deceptive and unethical. It leaves consumers like myself without protection or recourse when a merchant refuses to act in good faith.