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

On XX/XX/XXXX, XXXX, and XXXX, XXXX, several unauthorized XXXX transactions were made from my checking account of XXXX. The transactions were sent under the name XXXX XXXX. I promptly submitted a fraud claim with Chase Bank to dispute these transactions. On XX/XX/XXXX, my claim was denied, even after I provided the requested documents. 

On XX/XX/XXXX, I was on vacation and did not conduct any financial activities. 
On XX/XX/XXXX, and XXXX, I was at work, as confirmed by my timecards. I could not have authorized the disputed XXXX transactions on these dates. 

When I spoke with a Chase representative, they assured me that providing my timecards would help recover my funds. I submitted the timecards as requested, yet my claim was still denied on XX/XX/XXXX, without any further follow-up or detailed explanation. Additionally, Chase provided conflicting information during the process, with one supervisor advising me to contact XXXX directlyonly for XXXX to inform me that Chase was the only party able to address the issue. 

Throughout this process, I encountered rude and unhelpful service from Chase representatives and supervisors. Despite my efforts to cooperate and provide documentation, Chase has refused to reopen the investigation, leaving me unable to recover the lost funds. 

I am submitting this complaint with the CFPB to request their intervention. I would like Chase to thoroughly review my case and reimburse me for the unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

starts in early XXXX i had no idea leading up until XXXX and i am un aware of anything at all prior or present except XXXX!!!! I want to dispute them all bc i did not make the transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX account # 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 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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXI Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

USAA has put my account in a fraud restrictive because of elder abuse. I am not being abused and when I called in they wanted for me to give them the loans that I have applied for. I couldn't remember of the bat because I have a head cold. But I won't to put them here to, car loan, installment loan, credit card and a secure card. It has been only me that USAA has been talking to. I gave them my new phone number of XXXX. But they kept calling my old phone number I had on file. I was able to verify all the information but because of the recent loans i applied for that I couldn't remember I have to wait to call back 24-48 hours because of their review. USAA attempted to call me before they put in a fraud status but they were calling my old number.
Product: Checking or savings account

Bank of America Client Protection Subject : Unauthorized {$10000.00} Deposit to My Business Account Dear Bank of America, I am writing to bring to your attention an issue with my business account under the name XXXX XXXX XXXX. On [ XX/XX/2023 ], a {$10000.00} deposit was made into this account that I did not authorize, and I have no knowledge of its source. I believe this deposit is unauthorized and requires immediate attention from your Fraud Department to rectify and resolve the situation. 

To clarify, I, XXXX XXXX XXXX, did not initiate or approve this deposit, nor do I have any record of such a transaction in my financial records. This deposit is both unexpected and unauthorized. I want to emphasize that there is no fraudulent or suspicious activity on my part. I am in full possession of my account and have not engaged in any unauthorized financial transactions. 

I kindly request that Bank of America 's Fraud Department initiate an investigation into this matter promptly to determine the source and legitimacy of the {$10000.00} deposit. I am fully prepared to cooperate in providing any necessary documentation or information that can assist in resolving this issue. 

I understand the importance of maintaining the security and integrity of financial transactions and am committed to assisting in any way possible to ensure a swift and accurate resolution to this situation. Please keep me informed of the progress of the investigation and any actions required on my part. 

Thank you for your prompt attention to this matter. I trust that Bank of America will take the necessary steps to rectify this situation and safeguard the security of my business account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] Please make sure to adapt the letter as needed, include your specific account details, and consider sending it through certified mail or any secure communication method for documentation purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car in XX/XX/XXXX and was financed by XXXX XXXX. XXXX XXXX   sold the loan to American Credit Acceptance in XX/XX/XXXX. They deferred my payments for 2 months and stopped reporting to the credit bureau. XXXX XXXX never reported selling the loan to American Credit Acceptance to the 3 reporting agencies. My car loan just disappeared from all 3 reporting agencies. I found out in XXXX of XXXX when I purchased a vehicle for my daughter and got hit with a high interest rate because my vehicle was not showing on my report. So the company says that the are manually putting in not only my payments bother other customer accounts that they purchased and will be doing bulk reporting. So they have not been reporting for over a year and since I brought it to their attention in XX/XX/XXXX they still have not fixed the problem. They said they do not know when it will be finished and as soon as it's done they will report all payments. In the meantime they sent me a transaction sheet in XX/XX/XXXX. I requested another on in XX/XX/XXXX and never got it.
Product: Checking or savings account

Bank of America closed my checking account last week on XXXX XXXX XXXX, without letting me know. I immediately went down the XXXX XXXX, WA branch and asked to speak with the manager to get my funds released as I couldn't buy food, gas, or any basic essentials to live. The manager told me that they couldn't give me my money due to their policy. I asked him how I was supposed to eat, and he said he didn't know but they cut the checks early an I would get my money in 2-3 days. Well, it's XXXX  XX/XX/XXXX an I haven't gotten anything because when I called XXXX A again, the lady on the phone said I would receive it at the end of XXXX when the account was closed. 

This is XXXX. How can you take money from them over reasons I'm not aware of?? I want my money TODAY! 

Bank of America should be ashamed of themselves, especially because people are already struggling with XXXX
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX A 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 reporting or other personal consumer reports

Experian has been reporting income on my consumer file as debt. IRS defines any charge off account from a creditor on a consumer file is income 1099c. I have asked for all documentation regarding this matter and Experian has stated been verifed. I never asked for any verification I asked for documentation of any transactions, contracts or permisable purpose that gave Experian any authority to act on behalf.if any information has been verified the company failed to provide me with the sworn statement of verification. Experian is the only consumer reporting agency this is reporting the following information XXXX XXXX XXXX XXXX XXXX accounts {$5300.00}, {$19000.00}, {>= $1,000,000}, {$8900.00}. XXXX XXXX XXXX XXXX {$2500.00}, Bankruptcy, US Dept Ed late payment. This is clearly a violation of my FCRA, FDPC and ECOA rights. I have highlighted all of the information that Experian has been reporting. Per consumer law all information is suppose to be accurate on the consumers file. Experian is not a credit bureau the company merely assumed the roll of have consumers information and this is a disgrace to report inaccurate information.
Product: Checking or savings account

Closed account with " navy federal '' I have never had an account with navy federal nor have I ever given anyone permission to open an account using my name or social security number
Product: Checking or savings account

On XX/XX/XXXX I opened a Citi Priority Account with Citi Bank under a promotion that promised to pay me {$700.00} once {$50000.00} was deposited in the account and maintained for a period of time. I deposited {$50000.00} in the account and all of the promotion requirements were met some time ago. I have repeatedly asked Citi customer service and " Executive Response Unit '' when my account will be credited to no avail. I initiated an investigation on XX/XX/XXXX and the analyst was to have resolved this in a time frame which has since expired. No feedback from Citi. I initiated another investigation through the " Executive Response Unit '' on XX/XX/XXXX with no response to date. I have called customer service repeatedly ( XXXX ) but they are in other countries and can not provide any information/update other than to say " it is under review '' and " we wish we could help you ''. They are in agreement with my complaint but can not assist directly. 
I filed a complaint with the XXXX XXXX XXXX  on XX/XX/XXXX and can provide a complaint ID if that would be helpful. I also have the complaint numbers initiated through customer service and the " Executive Response Team '' if necessary. 
I have since learned that the problem I am experiencing with Citi pertaining to promotions and their failure to follow through with payment following the timelines noted in the promotion language is not uncommon.
Product: Student loan

I tried to contact Navient, the company which is handling my student loans. I am in the process of applying for loan forgiveness based on XXXX, and have been continually harassed for payments which i can not afford to make while in that process. I tried to call the company to find out why i am still being asked for payments, and what i need to do, but could not get past their automated answering system which refused to transfer me to a representative and then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the mortgage in its entirety on XX/XX/2020. I got a paid off letter from a lender ( Lakeview ) stating that the account has been paid off and closed. 
XXXX  report does not reflect this although the XXXX  's does. 
I disputed the situation with XXXX  and provided them with a copy of the paid off statement. 
In both cases XXXX  found the info about mortgage account as the correct one. It has been already almost 3 months while XXXX  can not obtain the correct information from the lender. I am speechless about their very poor performance and it looks there is no other way than to file this complaint.
Product: Debt collection

Speedy cash XXXX This account was open on XX/XX/2019 I want this off my credit I didnt open this account
Product: Debt collection

I was working for XXXX XXXX and moved some stacks of newspapers on my counter. I lifted a stack and moved the wrong way and I got a sharp pain down my arm. After that I could n't move it and I was in a lot of pain. My manager, XXXX at the time drove me to XXXX and stayed with me and went in the room with me when my name was called. After examing my arm she asked if it was a workman comp. Situation and the Dr. Said yes. We went back to work and I had to fill out papers with her because I could not write, for the forms for workman comp. After that I left her office and got driven home. I thought it had been paid and now I see it has n't.
Product: Debt collection

It is XXXX saying I owe them XXXX for cable tv in XXXX Illinois .I never lived in XXXX I never been to XXXX and I do n't know anybody in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX home account is being reported and listed account status as derogatory, with all 3 credit bureaus. Last report was 2019, I am requesting that the derogatory account status be removed. This account is paid and I would like it to be reported as closed
Product: Vehicle loan or lease

Crdit acceptance objet charg me and anytime I ask for a statement they refused to give it to me and they over charge me.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report according to 15 USC 16c-2. Please delete these entries as they're harming my credit.
Product: Prepaid card

Reloadit blocked my safe ( a safe is what they call where $ is stored that you have transfered online from your cash purchased card ) for a random security measure check. 
I have to send a picture identification and the receipt for the card via email ( or FAX ) to them to release my safe. 
I would n't have known my account was blocked until I tried to use it. They do n't even notify you so you can have a chance to clear it up before you need to use it. They said they do n't call out and they never asked for my phone # when I was signing up anyway. They had my email but did n't notify me that way either. 
I did n't save the receipt for the card I bought ( cash ) at XXXX and XXXX has no way to retrieve a receipt without the date, time and what lane I purchased it in!! Who remembers those details?? 
So the {$380.00} worth of reloadit cards I purchased today and have n't loaded into my safe are unusable ( and un returnable to XXXX for refund in any case ) until I send in my photo identification and receipt from XXXX, which is impossible to get.
Product: Payday loan, title loan, personal loan, or advance loan

Went on website was told I was going to be charged XXXX monthly but was charged XXXX. I tried contacting company but get run around and tired to call and nothing.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 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
Product: Money transfer, virtual currency, or money service

Since XXXX of XXXX I have been having account transferring issues between my wallet and cryptocurrency. Ive sent well over 50 emails with pictures and screenshots to support my argument. The original issue started with two XX/XX/XXXX that they said were the cause of the issue. After a representative said they resolved the issue, almost year later, I continued to experience problems transferring from cryptocurrencies or myXX/XX/XXXX. I was highly concerned, because according to my calculations these were key times in the market for my transfers. More specifically, since XX/XX/XXXX I have had no luck transferring any money to or from cryptocurrencies or my XX/XX/XXXX, basically no access to do anything with my funded accounts. Many representatives have continued to respond with the same answers no matter how I rephrase the questions or how many times I reply : we are looking into it and will get back with you. I have made many desperation emails explaining my concerns with no resolution other than they are looking into it. This has been going on for 4 months now. Since I have not had access to my account I have lost thousandsof dollars ( approximately {$4000.00} thus far ) in the process and still do not have access to my account or XX/XX/XXXX. I believe this company has been deceptive to me as well as breached contract on many occasions. They still send me emails in regards to investment strategies with their company while I continue to struggle. Please help!!!
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing regarding the cancellation of the debt associated with my account, which I believe was discharged or forgiven by your company. As required under 26 U.S. Code 1099-C, I would appreciate your assistance in providing the necessary documentation related to this cancellation for tax reporting purposes. 

Specifically, under IRC 108, canceled debt may be considered taxable income, and I need to understand the full details of the discharge, including the amount forgiven and any conditions attached. I understand that under IRS Form 1099-C, creditors must report the cancellation of debt of {$600.00} or more to the Internal Revenue Service ( IRS ) and to the debtor.

To ensure proper reporting, could you kindly provide the following : A copy of the Form 1099-C issued for this cancellation. 
A statement outlining the amount of debt forgiven and any applicable interest or charges. 
A description of any other terms or conditions related to the cancellation of this debt. 
Confirmation of the date the debt was officially canceled. 
Please provide the requested documents at your earliest convenience. If you need any additional information from my end to process this request, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute 2 bankruptcies on my report. Chapter XXXX file number XXXX and XXXX XXXX file number XXXX. Experian sent me a letter back saying the information was verified by the bankruptcy courts. I have a letter from the courts advising they do not give that information to the credit bureau. I sent that information to Experian and guess what. Instead of removing the files of my report, they just updated my dispute and said it has been verified. I have attached the paperwork below. How is this verified and the court advised they did not provide you the information. This has been going on for months now with Experian and now, they just flat out lied again instead of deleting the information. Now when calling and I enter my social, they send me to a fraud department and I can not get an agent on the phone. They are violating the FCRA and my rights. I have proof they did not get the information from where they say they did.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are 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 block/remove these files. 
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
Product: Credit reporting or other personal consumer reports

Double reported student loan debt and incorrectly reported a late payment on one loan during the time of Covid forbearance. It is impossible for the loan to have been late, no payments were due. Occurred on one of many instances of the same student loan.
Product: Checking or savings account

On XX/XX/XXXX, I went to XXXX XXXX at around XXXX XXXX  and left at around XXXX XXXX, during that time I had XXXX drinks, ( all being on separate transactions ). Without my approval, the bartender left my tab open. I left at around XXXX ( time stamp from the cameras at my apartment included in files ) and at XXXX I got a text from Chase saying they declined a charge at XXXX XXXX for {$660.00} but on XX/XX/XXXX the charge was posted to my account. I filed a claim with Chase and went in that afternoon to speak to a manager at XXXX XXXX. He claimed that he knew it was fraud but if he refunded me I would get the money back twice ( from XXXX XXXX and Chase ). He stated that if Chase did not give me my money back that he would go ahead and refund me. A few days later, I heard back from Chase that my claim was denied since I frequently go there. I reached out to the managing partner of XXXX XXXX, XXXX XXXX, on XX/XX/XXXX explaining the situation and he said that there was basically nothing he could do and that they do. He also told me that they delete footage after 7 days so my time was up in that aspect. He also stated in the email " there is a person or persons that know you and used your tab to run up a bill either maliciously or as a not so funny joke ''. I went in person to Chase Bank on XX/XX/XXXX located on XXXX XXXX in XXXX, Florida. I spoke to a representative there where she reopened my case. They faxed the emails and the receipt to the fraud department. On XX/XX/XXXX, I got a letter from chase stating once again my claim has been denied and that they believe I authorized the charge.