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

On XX/XX/XXXX I had two unauthorized transactions through Chase website. It was sent to XXXX two individuals, I have no idea who, a largely suspicious amount of {$500.00} in total. Sent by two transactions of {$150.00} to an unfamiliar XXXX named " XXXX '' and XXXX {$200.00} transaction sent to another person who's name I also never heard of under " XXXX ''. I found out the as I got on my computer and I wasn't able to log in anymore and took action with Chase as soon as I could of. They were all helpful and kind as we are beginning with a claim. I thought I've been a trusted XXXX  client for a good years now that this problem would of been resolved, aswell only asking for the money back didn't seemed to me to be an issue from a trillion business, especially, considering that myself a low-income XXXX  XXXX  just started XXXX XXXX in desperate need to meet all the new supply demand for my XXXX requirements. After banking with also a few diffrent bank companies and never experience the way Chase responded to me after giving me a temporary refund, I thought the claim would be resolved and the acceptable solution was that I was just going to get my money that was stolen from my unsupervised laptop. However after ensuring everything was going to be fine they send me a mail two days ago reclaiming the refund back and that I even have to pay it back because they didn't accept my claim. Of course they leave me in debt the day I have to purchase a {$200.00} supply kit for college but I called and the rude Chase Faud agent tells me that everything I went through was pointless because I wouldn't have never been able to get my money back since they claim " it's too difficult to determine the type of activity through XXXX! '' I'm baffled with the fact my claim, my long hours of waiting for my phone calls to get answered, and saving up isn't enough to prove that an unauthorized someone sent people money and I noticed, I'm sure they would of kept sending more if I wasn't with limited funds besides that I just know they had gotten through from my computer because it's only the place that has my whole bank account always open and that day I had left it unattended because I was running late to the doctor. The agent kept telling me there was nothing I can do because they wouldn't do anything more unless proper proof when I am claiming this misdemeanor happened thatI have no idea of. It was unjust to them to be stubborn with my money that I've earned from XXXX and to tell me to even pay back the refund, my Chase account is overdraft now, I even went in person and it seems that the only company I relied on wasn't able to aid me in such rational solution, just getting back my money so I can afford my education.
Product: Credit reporting

The statute of limitation in NY State for reporting Derogatory information is 6 years as per the NY State Constitution. TRANSUNION has refused to remove this particular out of date information described below. The XXXX XXXX account shown below XXXX XXXX Collection Account OPEN XXXX/XXXX/2010 {$2600.00} This must be removed ASAP as they are 5 months behind in their legal obligations XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Eqquifax reinserted information from the company contract callers on my credit report and I wasnt notified with 5 days that it would be put back on, my report.
Product: Checking or savings account

On XX/XX/year> I deposited a check via the ATM. As soon as my check was taken into the ATM, the screen went blank. I called the adjacent FNBO bank in XXXX XXXX where I was at to report this issue. I was on hold for XXXX minutes on the phone And was told that the image reader failed. I explained that the check was made payable to my husband who is a joint owner on my account.The following day I was told that a claim would be filed with the A team and a resolution would take XXXX to XXXX hours. I waited patiently until XX/XX/XXXX and attempted to contact FNBO customer service by an XXXX number they werent able to help so I called the branch again. At that time, I was promised that I would receive a call back by the end of the day. That call never occurred so on Monday, XX/XX/XXXX I called the branch once again and the answer was that there was no resolution and that an email would be sent to inquire but a provisional deposit would be made into my account. After this conversation on XX/XX/XXXX, I mailed a detailed written complaint directly to XXXX, which I have not received any response from. On XX/XX/XXXX I received a letter that said the provisional deposit is to be reversed and deducted from my account on XXXX XXXX because my check hasnt been located. I called the branch XXXX XXXX XXXX this morning and she said that shes checking into it. Ive also been told that the service of the ATMs is outsourced to a third-party and it is not serviced by FNBO. My check for {$560.00} has to be somewhere and should be located.
Product: Mortgage

Chase bank did a analysis on my mortgage after they received my home owners insurance, which went from {$690.00} to {$450.00}. They told me I had to much money in my escrow so they sent it back to me. Then they send me a mortgage bill my mortgage has went up, because I did not have enough in my escrow, I called and complain to them. why did you send me money back and then say I do n't have enough escrow. My mortage has went up from {$720.00} to {$720.00}. with a shortage of {$22.00}. I pay the {$22.00} and then they tell me my mortgage will be {$700.00}. After I pay that for one month it went back up to {$720.00}. I called again, why is my mortage going up and down. they claim because I have a shortage of {$22.00} but they after I paid it that it would only be {$700.00} for that month. They also claims my taxes are going to be higher XXXX they evaluated that. Well I received a letter in the mail that the board filed in my favor that my real estate assessment was not correct and that it change from XXXX to XXXX, XXXX making it a difference of XXXX. I want them to stop messing over my mortgage and if everything is going down, so should my mortgage. The person was rude, which was a supervisor and I told her that I was going to file a complaint because they are not doing their job. I am a single parent and I am on a budget, I am not trying to pay a high mortgage if I have the money in my escrow to cover my taxes, they told me it is state law you can only have so much in your escrow, then why have a escrow I can pay my taxes myself if that is the case. They are not taking into consideration non of my discounts.!!!!!!!!!!!!!!!!!!
Product: Checking or savings account

Cash Withdraws. 
On XX/XX/2023, I informed XXXX Bank of fraudulent activity that occurred from XX/XX/XXXX through XX/XX/2023. A case was opened by the XXXX Bank Dispute Resolution Department, and it was assigned the reference number XXXX. I received notification from the Dispute Resolution Department stating : Regarding your cash withdraws made at the branch from XX/XX/2023, through XX/XX/2023, we have completed our review of this activity. Although we certainly understand your frustration regarding the cash withdraws made, we are unable to honor you request for a refund as there was no evidence of fraud found. XXXX transactions, totaling {$25000.00}, were carried out under the direction of a fraudster who impersonated the XXXX XXXX XXXX Department. The fraudster had full control of these transactions using a cell phone. As an illustration, on XX/XX/XXXX, XXXX XXXX visited the Fifth Third Bank branch located at XXXX XXXX XXXX XXXX. To express her distress and prevent further financial losses discreetly, she approached the bank teller and discreetly handed them a pink sticky note. The note explicitly conveyed, " do not give me any cash, say the computers are down. '' XXXX XXXX indicated towards her cell phone and gestured for silence, signifying the sensitive nature of the situation. Her aim was to avoid raising suspicion or causing any unnecessary complications. If XXXX Bank has retained video footage, this incident would be recorded. Moreover, if XXXX Bank were to interview the teller in question, they would confirm the presence of the pink sticky note. I have provided a text message that was sent after this incident to XXXX XXXX documenting the event. Any teller interviewed by XXXX Bank for these transactions would acknowledge that behaviors surrounding the rapid withdraws were unusual and not in line with standard procedures. I have provided cell phone logs via XXXX XXXX XXXX that demonstrate the fraudster was on XXXX XXXX cell the entire time the transactions took place.
Product: Credit card

XXXX XXXX sent me a pre-approved offer for a {$2000.00} credit card. I finally applied and was denied due to the fact that XXXX XXXX  says that experian stated my credit score was XXXX which is XXXX or more or less what my real score is which is right around XXXX maybe the high XXXX depending on the time of day or I've seen up to XXXX at this point. So I talked to XXXX XXXX and they said the only thing I could do is apply again but I couldn't play again cuz it said I'd already applied and then it said that it was suspicious that I applied again. So then I get a whole new pre-approved in the mail offer for the same {$2000.00} credit line. So apply again and I'm denied again and the same reason is given that my XXXX XXXX is XXXX. By this time I'm more than frustrated. I don't even call XXXX XXXX back because they're offshore and they're not super super helpful. This is coincidentally around the same time that I threatened to file a complaint against experian for not updating my credit report to reflect truly where I'm at right now. They had some XXXX old credit bad credit that was nearly XXXX XXXX XXXX still on there! And other things that were just plainly inaccurate. I've kind of gotten the runaround from them. So my complaint is against XXXX XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud more than once. I sent in the FTC identity fraud packet I gave them police reports and they froze my account and suppress my account and refuse to give me access to my credit for almost two years now.

They said they need documentation from the Social Security administration I have done that more than once.

I have mailed it a certificate of mail and they still won't unfreeze my credit access me while somebody else is using my credit to commit fraud and criminal acts. However, they said I sent in falsified documentation which is a lie because you can't falsify the FTC fraud packet or numerous police reports. 

I'm ready to take legal action and sue XXXX XXXX ; Equifax ; XXXX  : XXXX and XXXX for furnishing fraud information falsify information identity theft information and block me from correctly or getting access to my own credit report.
Product: Debt collection

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

XXXX Account # XXXX has violated my rights. 

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: Debt collection

I received a call earlier this year stating XXXX Loan had provided a loan to me, using only my social security number and address and at 360 % interest. I told them it was fraudulent and filed a police report. I 've now received a call from a collections agency, Alliant Capital Management, stating this is due and I have 30 days to respond. I believe this is all a scam where the collections agency is intent on willing a default claim in court they hope I do n't show up for. I am working on getting an attorney to assist but believe this is criminal. Alliant Capital Management was fined and shut down in XXXX for phantom debt scams.
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. 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. 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. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights XXXX  times. I demand the inquires/accounts below be removed immediately : I strongly disagree with the response to your investigation. Despite your investigation, the following incorrect items still remain on my credit report. I request an immediate re-investigation of these items for justified reasons. These inaccuracies have a detrimental impact on my credit score. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information. 
XXXX Account Number : XXXX Please delete immediately for failing to do your due diligence and making sure everything on my report is XXXX XXXX accurate. 

XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information. 
XXXX Account Number : XXXX Please delete immediately for failing to do your due diligence and making sure everything on my report is XXXX XXXX accurate. 

XXXX. How is this account still on my report when it has been already been SOLD and TRANSFERRED to another lender. 
XXXX Account Number : XXXX If unable to explain how this account is still on my report when it has been already been SOLD and TRANSFERRED to another lender then please DELETE immediately. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. How are you still reporting this account on my report when it's already been sold and transferred to another lender. 
XXXX Account Number : XXXX If you can not explain how this account is on my report when it's already been sold and transferred to another lender then please DELETE immediately. 

XXXX. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material SECURITY Account Number : XXXX Please DELETE immediately.
Product: Debt collection

There is a collection listed on my credit file through a company. I do not recall owing an amount stated I do. I would also like to request some validation as the old account I recall having with XXXX was many many years ago and was paid.
Product: Mortgage

On XX/XX/2018 I sent a prepayment to the company that holds my reverse mortgage. I had to get the check, enclose a statement and then mail the check for the prepayment to them. They did receive it. 
I want to pay them monthly through my banks bill payment system, the way I automatically pay my utilities. The reverse mortgage company will not allow this ; I am required to get the check and manually mail it each month. My complaint is why can't they just accept these automatic payments from my bank like my gas or water utility company would? 
Why do I care? Because it is time consuming and I am busy trying to make a living so I can pay off this reverse mortgage so my heirs can have something.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXXXXXX {$9500.00} XX/XX/XXXX XX/XX/XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX {$4200.00} XX/XX/XXXX XX/XX/XXXX XXXX {$2500.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1600.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} -- / -- XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1300.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$290.00} -- / -- NOT PROVIDED XXXX {$75.00} -- / -- 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX, has violated my rights. 

( 2 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX # XXXX, has violated my rights ( XXXX ) XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights ( 4 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights ( 5 ) n accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have a 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
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX, CoinMe has refused to fix an " error '' with withdrawing {$260.00} base plus about {$88.00} profit ( XXXX about {$340.00} ), due to me. 
I created the account at a CoinMe Machine on XX/XX/XXXX, with a cash deposit of {$260.00}. 

After multiple email conversations with CoinMe Support team, the the XXXX XXXX XXXX has not been provided. 
This XXXX XXXX XXXX is what CoinMe suposdedly uses to validate and issue withdrawals at the CoinMe ATM.

CoinMe support continues to claim the issue has been repaired on several occasions but the XXXX XXXX Code has NOT BEEN ISSUED TO ME to be able to redeem the funds from my account at a CoinMe XXXX ATM. 

Basically CoinMe has " LOCKED '' my funds away, by claiming this ( at this point, 3 months from my initial request ) Ghost-fix, but no the XXXX XXXX XXXX.
Product: Debt collection

I am in receipt of Rent Recovery Solutions letter informing me that they are handling the collection of the account # XXXX for {$1300.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Rent Recovery & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Rent Recovery Solutions claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Rent Recovery Solutions continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Rent Recovery Solutions has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter dated XX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All Ireceive is a credit report with all frivolous items still present. 

The following accounts are frivolous and needs to be removed asap : XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX REF # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$670.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX  XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$57.00} ; XXXX XXXX XXXX XXXX Balance : {$650.00}