23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have been a victim of a fraud and identity theft. The transactions were unauthorized and JP Morgan refuses to refund my own money. 

My Chase Atm card was used it in my name for the amount {$9300.00} without my authorization or consent. When I realized I called Chase immediately and open a claim with the Fraud Department. In the letter they sent me they said I authorized the transactions. I never authorized the transactions, gave the pin or join the account with the suspect or individual that did this federal crime. I went to the XXXX police department and filed a police report and when the report was ready I sent a certified mail to Chase with a return receipt and on all my communication with them, they refused to refund my stolen funds. 

I explained I was a victim of fraud and I asked the bank to open the claim, investigate and prosecute the individual who stole my funds. I want to solve this with the bank before I take further action. I 'm already in communication with any organization that can help me, again I have been victimized by this theft. The funds were taking from my account generating high fees when I thought my money was secure with Chase that did n't act in my best interest protecting my money or sending any message about suspicious activity in my account and they did n't flag my account for suspicious activity once the cash withdrawal commenced. I informed the bank immediately within the XXXX business notification window. 

I have two police reports. The police already know the name of the suspect. This is a federal crime in which I have been a victim of Identity Theft and Fraud and should be prosecuted by the law and my money should be refunded immediately before I go to media. 

I informed the FBI, the State Attorney and all the organizations that can help me to get my money back. I want justice and the person who did it to be in jail. 

Chase is giving all the excuses not to refund my stolen and unauthorized transactions and the fees. This money was transferred by Chase without my authorization to my checking account and put it to the disposition of the scammer. Chase did n't flag my account even when these transactions were unusual. 

This is a federal crime that should be prosecuted it and I do n't have to pay for this criminal action against me.
Product: Checking or savings account

Bank of America account was opened with my social security number. 

I received an E-mail from Bank of America stating that a new account had been opened and then processed, and then a new email was added to the account. I contacted Bank of America and provided my SSN to confirm a new account had been opened with it, without my permission.
Product: Mortgage

PNC Bank is the mortgage servicer on one of my mortgages. I recently request to close my escrow account at PNC Bank and manage my insurance and property taxes myself without an escrow account. PNC Bank is requesting that I pay a fee of over {$750.00} in order to close my escrow account with them. The justification for this fee from PNC Bank was that I received a discount at closing for have an escrow account and they are attempting to recover that initial discount cost. First point, I never received any discounts for having an escrow account when i opened my mortgage. The escrow account was mandatory. Second point, PNC Bank was not my mortgage initiator. PNC Bank is the third mortgage servicer for my mortgage so they had nothing to do with my initial mortgage. Third point, I have 4 mortgages in total being serviced by XXXX, XXXX XXXX, PNC Bank and XXXX XXXX. I requested to close my escrow account with all my mortgage servicers and all agree, with no fee, except for PNC Bank who is attempting to extort an unnecessary and exorbitant fee in order to allow me to manage my own insurance and property taxes. Also, the mortgage was previously managed by XXXX XXXX before it was transferred to PNC Bank. XXXX XXXX charges no fees to close escrow accounts. Lastly, I reviewed my initial mortgage closing documents and found not discounts for having an escrow account, or any fees related to closing an escrow account. I would like to close my PNC Bank escrow account, with no fees, and continue to pay my mortgage as i always have. Thank you.
Product: Debt collection

After reviewing my credit report on XX/XX/23 I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested and sent to Mandarich Law Group as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/23 and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that this account is disputed and therefore a 2nd validation letter was sent out on XX/XX/23. After reviewing credit reports again on XX/XX/23 there has been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Mortgage

Chase Bank charged a ridiculously amount ( over {$5000.00} ) from my mortgage escrow for home owner insurance, whereas my own policy is ~ {$500.00}. They didn't attempt to reach me via the proper communication channels, such as emails or phone calls. We were out of town for a few months so just got to catch up with the mail they sent. 

What's worse, it's impossible to contact the custom service. They listed ( XXXX ) XXXX on https : //www.mycoverageinfo.com/chase website, but when I called, it's all automatic. The call doesn't provide me extra information than the website, there was no custom service ( pressed XXXX but it's not recognized ), it was extremely hard to navigate the selections and there was no way for me to figure the insurance requirements or have my questions answered. 

Overall, I think the Chase bank didn't do a good job to help someone who's new to their mortgage to XXXX ) understand the requirements and upload the insurance coverage evidences, XXXX ) get help from custom service. They would rather charge {$5000.00} from the escrow than trying to set the custom success and satisfied.
Product: Credit card or prepaid card

I am having a continued issues with the Synchrony Bank issued XXXX ( XXXX ). As per the offer extended to me when I opened the account the bank offered XXXX points for each dollar spent after first {$1000.00} spent on XXXX purchases in calendar year. This threshold was met in XXXX of 2021. 
Subsequently in the XXXX of 2021 I spent {$1800.00} resulting in XXXX points still to be credited to the account. When I brought the issue to the bank I was told that the customer service is not authorized to address this issue but to only ask a third party vendor managing the program to issue the points. Synchrony Bank supervisor has given me a number XXXX x XXXX to contact the vendor directly but unfortunately I was then told that the number given was fake and it doesn't deal with XXXX branded cards. In the meanwhile the account with existing XXXX points has been frozen at this level leading me to the conclusion that Synchrony Bank does not want to credit the due points so the points can be redeemed at the lower value as the value redemption goes up after XXXX points level. 
It is utterly unethical and reprehensible that the Synchrony Bank would be cheating consumers in such brazen and shameless way as to not even address it in an honest and comprehensive manner. In my previous communication the Synchrony Bank tactic is to extend the processing time of the issue by requesting more time to address it and then to simply ignore the issue.
Product: Mortgage

Greetings, While stationed overseas in XXXX, XXXX My lawyers ( XXXX XXXX and XXXX ) have sent several Letters to Navy Federal Credit Union for mis-aproptiation of insurance funds from XXXX XXXX ( over 17,000.00 ) to get my house fixed. Insteand of letteing me get my house fixed they used the money for the moratge and now thereare no funds to fix the property. We have sustained additional damage becasue of teh recent storms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax to report unknown inquiries and also disputes online. They refuse to fix my issue I have told Them numerous times I did not authorize the inquiries on my report except the inquiry from XXXX XXXX!
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Checking or savings account

I realized I was charged {$25.00} service fee of my " premier saving account '' ( funny enough it offers 0.01 % rate ) since XXXX 2020 automatically. When I first opened this account more than 5 years ago, I quickly realized I didn't want to keep the miniumun balance it asks because of the absurd interest rate the " savings '' account offers, and called to close it. Last time they told me to set up an automatic monthly transfer of {$25.00} from my checking account to this saving account and then I can avoid the monthly fee. I agreed back then and for a brief period of time it indeed did not charge me. But now I found it started to charge me again since XX/XX/year>2020! Conveniently the monthly fee happens to be {$25.00} so my saving account never got overdraft and I didn't realize it keeps charging me. I called their customer service and she said I didn't meet the minimum balance requirements due to new user agreement. She offered to reverse 6 monthly fee but I still got charged an astonishing {$1500.00} ( XXXX * {$25.00} ). What makes me feel worse is I was completely fooled and the whole thing is just a trap for people who didn't bother to read their XXXX " updated '' customer agreement. 

I've been with XXXX for almost 20 years and have a sizable balance with them. I genuinely feel I should have been treated more fairly.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hunter Warfield XXXX XXXX XXXX XXXX XXXX XXXX Debt ValidationRequest XXXX To whom It May Concern I am writing in response to my credit report, in which you allege that I owe a debt .Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you please provide the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including a breakdown of fees, interest, and other charges.

3. Proof that you have the authority to collect this debt on behalf of the original creditor.

4.A copy of any signed agreement or contact that indicates I am responsible for this debt, 5.The date of the original debt and the date of the last payment made.

6. Evidence that this bedt is not time barred under my State 's statue of limitations.

in accordance with federal law, I request that all collection efforts cease until this information is provided. Any reporting of this debt to credit reporting agencies during this time would be considered a violation of the FDCPA. 

Please respond to my request in writing within 30 days from the date of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I messed up a payment and needed to use my overdraft protection for my Santander checking account. I was on vacation at the time, and as soon as I returned went to Santander Bank and paid it off. Since it was a Santander bank and XXXX accounts were Santander. I paid it off in full. i then noticed on line that there was a balance on the credit line. I called the XXXX # and got nowhere in resolving this. I then went to the branch where i made the payment. They told me that the balance was interest that accrued because it took two days to clear. I find that totally unacceptable, since I took money from my SANTANDER checking account to pay a SANTANDER bill at a SANTANDER branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account : XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my paypal account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AR XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My persons name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida  XXXX I am XXXX XXXX XXXX veteran I do not recognize any other information or names. I am very simple man. I am a law abiding man. 
I can state a lot of mumbo jumbo but the facts are simple. 
XXXX XXXX XXXX XXXX XXXX usc XXXX XXXX usc XXXX XXXX XXXX usc XXXX XXXX  usc XXXX Emergency bank act XXXX The bad credit industry is very profitable.
Product: Debt collection

I received a text from XXXX about an outstanding balance. When I called to request information about the outstanding charge they required that I reveal personal information before receiving that information. 

When I refused to give out personal information they said they could not release any information. I don't feel comfortable giving out personal information to a company I have never interacted with that says I owe them money. 

Smells like a big scam - and now it is going to affect my credit score? This is a very unethical business.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit file due to being a victim of identity theft. 


These items ( inquiries ) from XXXX XXXX  date XX/XX/2024 XXXX Bank date XXXX, XXXX XXXX date XX/XX/2024 XXXX ( personal loan accounts ) XXXX XXXX date XX/XX/2024 amount {$49000.00} XXXXXXXX XXXX XXXX account # XXXX is inaccurate because I have not authorized nor consented these institutions to run a credit check on me or open new accounts. as well I am victim of identity theft, I am requesting that these items be removed. Per the FCRA 605 B 15 USC 1681c-2, If I didn't give authorization for these companies to run my credit or consent for these accounts it is the responsibility of the credit bureau to remove these inaccuracies from my credit file.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : CREDENCE RESOURCE MANAGE Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX, NC XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 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: Money transfer, virtual currency, or money service

My account was locked with no reasons were given. I made XXXX small initial deposit and nothing else since. Nothing about myself or my account was fraudulent. I asked Crypto.com repeatedly for my money to be sent back to my original payment method or via check to my personal address in which they both refused to do. My account remains locked and crypto.com refuses to respond or accommodate me in any way at all. I have emailed crypto.com directly multiple times requesting the same as well as got in line for chat support with no response or interaction.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach. I want this account deleted from my credit report ( Account Number : XXXX ) I have supporting documents showing proof of data breach affecting my credit report and not reporting on any other credit bureaus.
Product: Credit reporting

On XXXX XXXX 2016 all of my inquiries were removed from my credit report. Logged back in today all inquiries are now back on the report and my score went down.
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - To Whom it May Concern, I am writing to express my extreme dissatisfaction and concern regarding the manner in which you have handled the reporting of the account CB/EXPRESS XXXX on my credit report. It has come to my attention that there are multiple blatant violations of the Fair Credit Reporting Act ( FCRA ) in connection with this account, and I am demanding immediate action to rectify this matter. 

Specifically, I am formally requesting a full debt validation, which must include the following information : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account CB/EXPRESS XXXX XXXX 

Original Creditor : Clearly state the name and contact information of the original creditor associated with this account. 

Original Open Date : Provide the precise date on which the account CB/EXPRESS XXXX was originally established. 

Date of Last Payment : Specify the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the account CB/EXPRESS XXXX was officially closed. 

I am well aware of my rights under the FCRA, and it is evident that your company has failed to adhere to its obligations in ensuring the accuracy and validity of the information it reports. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within XXXX from the date of this letter will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. Please consider this a formal notice of my intention to do so. 

I expect a timely response, along with the requested documentation, to be sent to the CFPB Portal for prompt access. Additionally, please ensure that any corrections made to my credit report are promptly reflected.
Product: Credit reporting, credit repair services, 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. 
XXXX. XXXX XXXX {$220.00} acct # XXXX XXXX. XXXX XXXX  {$820.00} acct # XXXX XXXX. XXXX XXXX XXXX {$8100.00} acct # XXXX XXXX. XXXX XXXX XXXX {$18000.00} acct # XXXX XXXX. XXXX XXXX {$1000.00} acct # XXXX XXXX. XXXX XXXX {$140.00} acct # XXXX XXXX. XXXX XXXX  {$1300.00} acct # XXXX XXXX XXXX XXXX {$110.00} acct # XXXX XXXX. XXXX. XXXX {$250.00} acct # XXXX XXXX. XXXX XXXX XXXX {$950.00} acct # XXXX XXXX. XXXX XXXX XXXX {$570.00} acct # XXXX