23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX 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
Product: Checking or savings account

I have had Navy Federal from XXXX  to present, and am filing a claim because of the class action lawsuit the CFPB has imposed on them, about Navy Federal charging us surprise fee 's we did not know about.
Product: Checking or savings account

I had a joint account with my mother for years to help her pay her bills. 
When she passed away, they closed the account shortly after I took in the death certificate without my knowledge. They said I had to establish another brand new account in my name. They would not let me look at any previous transaction that I made to the account for bills. I had her mortgage coming out automatically from the checking account. The next month I get a double bill from the mortgage company and a XXXX late fee. MY brother 's account is also listed, and checks were bouncing because they would not honor his checks. I have been to this bank more than several times to try and fix errors on their behave. First merchant bank in XXXX Illinois is a few miles away from me. 
I drove to XXXX Indiana 3 times to try and fix things. Either they want my ID or my brother ID which I have given them multiple times. The last event was they would not allow my brother to cash a check. I signed the check for him, but they said I must be present with my brother for him to cash it. They have my signature on file. He has cashed checks before without me being there. They are inconstant and will tell you anything that comes to mind when you call for help. I have been on the phone with them for many hours.
Product: Payday loan, title loan, or personal loan

I have had my information stole, and I found out in XX/XX/2021 around the XXXX or so once it showed up on my credit report that a loan from western shamrock corporation was taking out in my name and information. I have tried Multiple time to reach out to the company to report the fraud and every time I get a voicemail, I have left voicemail with them to call me back and I never received a response. When I first seen the account on my credit it was for XXXX, when checked the report today XX/XX/2021 it is XXXX. I receive a bill from them as well. I report was filed once I found out my information was jeopardize with law enforcement, do suspect a couple of people were involved in this. This fraud account has also been submitted with identitythief.gov and a fraud alert has been put on credit.
Product: Credit card or prepaid card

I ordered items from XXXX that I never received because XXXX wrongfully closed my account. I reported this to synchrony bank and was surposed to receive credit for the items I never received but the credit never transferred over but the false negative balance did and after having to call repeatedly over there course of a few months it was supposed to be resolved I had requested the account be closed and a refund of my XXXX dollar deposit that was owed to me I was told a check would be sent out and the account would be closed never received the check and they continued making false reports on my credit report causing a lot of damage while still sending me emails showing that I had no balance there employees are undertrained and very rude a very few actually knew how to address issues and the issues that had been fixed had been unfixed by more employees that I believe must have been disgruntled because there had been no reason for them to attack me verbally and financially by attacking my credit when they knew I did not owe and refused to return my deposit I honestly regret ever doing business with XXXX and synchrony bank the experience has been completely horrific.
Product: Checking or savings account

This has been an incredibly painful process. I was a victim of a XXXX Ponzi Scheme that took place on the XXXX platform. I had exhausted all of my efforts to try and recapture my money through the legal system and with XXXX but since the company is a Ponzi Scheme and nothing recoverable, the only was to recoup my money is by Citibank holding the merchant accountable. I spend XXXX on an SEC lawyer to compile a professional statement of facts that fully articulates my complaints and would leave no doubt that I was scammed. I have filed over 8 disputes with the bank and Ive asked everytime for the investigator to call me to discuss details as the case is very complicated and would be impossible to piece together without opening dialogue with. The only people that I can speak with are outsourced call centers where the representatives are like robots, they are not qualified to understand the complexities of my case and I have to rely on these representatives to accurately relay messages to the supposed investigator. This is a broken system. Because of XXXX unwillingness to conduct a fair investigation, I will have to file for bankruptcy. This ineptitude has had deviating consequences.
Product: Checking or savings account

My account was hacked and {$500.00} was transferred via XXXX, fortunately to a friend of mine and for the last month we have been attempting to refund the money to me. Both me and the receiving party agree it was not authorized and should be returned but Wells Fargo keeps saying " we are investigating ''. What is to investigate when BOTH the sending and receiving party are disputing it. Wells Fargo keeps giving me the run around and will not allow the return of my money and has closed online access to my friends account and forced me to open a completely new account. This has gone on since I reported it on XX/XX/2023 2023
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I deposited a check endorsed by some one else to me into my bank account as for a payment of debt owed to me. The check is for XXXX XXXX XXXX XXXX and XXXX dollars. It was a atm deposit at a local chase bank branch. The bank placed a hold on the check as well as my account and was notified by email that my account is subject to close if information requested is not obtained soon. I went to a local branch with a notarized letter signed and stamped and dated. The the check was endorsed the correct way. A fraud representative told me to bring the notarized letter and my I.D . and my deposit processing will be completed. I was then later discriminated against when told on XX/XX/2021 my deposit has cleared but my account is still restricted. Then I demanded that chase close my account right then and there. Then a chase fraud representative told me that I cant close my account when its restricted. Then they they tild me in order to get a check from the bank with my remaining balance I need to bring in the person who endorsed the check to me. I read in there check deposit policy that no I dont.
Product: Mortgage

We received ourmortgage from XXXX XXXX XXXX in XX/XX/XXXX.We have never fallen behind on my payments until I experienced two major medical issues, one of them is XXXX which I am receiving XXXX treatment for. I have applied 3 times to XXXX XXXX loss mitigation department to get help with my hardship because I do n't want us to lose our home. We are elderly and need help from our lender to get current and start making mortgage payments again. Each time we have been denied for assistance because the investor refuses to grant us a trial modification for no reason other than they would rather foreclose. We received this mortgage from a public lending institution during the period of time from XXXX - XXXX that mortgages were considered predatory and should receive mortgage assistance if experiencing hardship. We meet all criteria and guidelines that the federal government put forward to keep people like us from losing our home. I know HAMP is now expired, but it was n't expired when we first asked for help, and they still refused. Most recently we spoke with XXXX XXXX who told us clearly that the investor, XXXX XXXX XXXX, will not allow SPS to grant us a trial modification. Please help us.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the three major credit bureausXXXX, Experian, and XXXX their failure to remove fraudulent accounts and inquiries from my credit report despite multiple disputes and attempts to resolve the issue. I have been the victim of identity theft, and the following fraudulent accounts and inquiries remain on my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX : Open date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : Open date XX/XX/XXXXXXXX XXXX XXXX XXXX : Open date XX/XX/XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX XXXXXXXX XXXX XXXX : Open date XX/XX/XXXX Fraudulent Inquiries : XXXX XXXXXXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX : Inquiry date XX/XX/XXXX Despite being contacted three times, none of the credit bureaus have resolved these issues. This negligence is causing serious harm to my credit score, and I am unable to access credit or housing as a result. 

I am seeking your assistance to enforce the following laws, which the bureaus have violated : Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ] 12 CFR 1006.34 ( b ) ( 5 ) FCRA Section 605B [ 15 U.S.C. 1681c-2 ] FCRA Section 1681e ( b ) [ 15 U.S.C. 1681e ( b ) ] 15 U.S.C. 1692c 15 U.S.C. 1681b 15 U.S.C. 1681N I request that these fraudulent items be removed immediately, and I expect compensation for damages under 15 U.S.C. 1681N if this issue is not resolved within the next 30 days. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX please unrestricted or unblock or unsuspend my online bank account access and restore access and regrant me fully access back to my bank account and fully access to to all my features on my online bank account etc.
Product: Checking or savings account

In XXXX and XXXX there were many fraud transactions that was made and wells Fargo allowed these transactions while having fraud protection and bank never gave me any of my money back we are talking thousands of dollars
Product: Debt collection

They described a debt from a pay-day lender, with dollar amounts and dates that did not match up with any of my bank records. 

They did not offer any documentation on the matter. 

This is not an actual debt I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX - {$1700.00} Closed : XX/XX/XXXX Opened : XX/XX/XXXX This is an error, it does not belong to me.
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that Equifax, will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX  reported to Equifax, XXXX, and XXXX late payments on my credit report per 15 USC 1692, 15 USC 1666b, CFR 1026B, FCRA 15 USC 6802 I would like the late payment deleted off my credit report as soon as possible thank you.
Product: Credit card or prepaid card

Fraud Claim # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX. Call text from US Bank on XX/XX/2022 at XXXX asking if I authorized a purchase at XXXX for {$460.00}. 
2. I replied no.

3. Received a text that my card was restricted and I would receive a call in 5-10 minutes 4. I received a call from XXXX lasting approximately XXXX minutes. I was told my account ending in XXXX was compromised but had been locked. I was asked to give the last 4 digits of my SSN. A new card would be issued to me by XXXX. 
5. I was told I would receive a number of texts with codes that I would need to repeat to verify my account.

6. On XX/XX/2022 I contacted US Bank because the process was different than other times when my card had been compromised. I was especially concerned because I saw there were 4 cash advances from my credit card ending in XXXX from 2 different banks. The total amount was {$840.00} ( {$800.00} plus {$45.00} in transaction fees ).

7. I was told there was no calls made from US Bank on XX/XX/2022. I then reported my card had been compromised. 
8. My cards had not been stolen. No cash advances were authorized nor were made by me. My son is an authorized user. He made no cash advances and his card was not stolen.

9. I was told it would be investigated.

10. On XX/XX/2022 I received a letter stating the transactions were authorized and linked to the credit card ending in XXXX. The transactions were made using expanded access. 
11. On XX/XX/2022 I called US Bank at XXXX and spoke with XXXX. I explained the situation and told him that the transactions were fraudulent. He explained how the determination was made. I repeated the transactions were fraudulent. He stated he would send my concerns to a fraud XXXX who would determine if the case should be reopened. I would hear within 24-48 business hours 12. I did not receive a call from US Bank by close of business on Tuesday XX/XX/2022 XXXX. XXXX I sent this letter with attachments to US Bank XXXX XXXX and called Bank Card Services . I explained the situation to Clinton ( supervisor ) that I had not received a call back from the claims processor as requested. He requested a call back from a claims processor supervisor to me within 24-48 hours.

14. On XX/XX/2022 I received a call back from the XXXX XXXX supervisor. The situation was reviewed. The transactions were not considered fraud but a possible scam. My next step is to file a police report. The police can subpoena video footage from US Bank to determine if I or another authorized user made the transactions. The completed police report should be faxed to XXXX. 
15. I contacted the XXXX Police Department. XXXX XXXX said that he would email me a Victim of Fraud/Identity Theft Checklist and referred me to XXXX. Due to lack of a suspect there was nothing more the police could do. 

Attachments : 1. Screen Shot : Text from US Bank re purchase from XXXX 2. Screen Shot : Call from XXXX ( reportedly from US Bank 3. Screen Shot : texts with codes that I would need to repeat to verify my account 4. Screen Shot : List of unauthorized charges
Product: Credit card

Stay at XXXX XXXX XXXX XXXX in XXXX, XXXX. XXXX XXXX XXXX-manager was suppose refund half of the amount paid ( refund {$130.00} ). The hotel was in shambles. Under construction. There was no parking. No place load and undload your luggage from the car. Spoke with XXXX on XX/XX/XXXX and said he would take care of it. Called Capital One on XX/XX/XXXX and XX/XX/XXXX and said it was taken care of, to get the refund of {$130.00}. Email form XXXX to Capital One was sent. Never received the refund from Capital One.
Product: Checking or savings account

Dear CFPB, In XXXX I was the VICTIM of some of the very best and earliest scams relating to jobs, scams relating to deposits sent from Mobile phones and such. I lost hundreds of thousands of dollars. Most recently I have been working globally the past 5 years in XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have opened an XXXX, Chase and XXXX accounts here in the US along with an XXXX XXXX account. 

One month ago, I received two checks from XXXX XXXX XXXX from the XXXX XXXX XXXX. I told her specifically NOT to send checks rather I do not work in checks, nor do I issue checks anymore. I stated that cash wire transfers or Bank to Bank transfers were the only acceptable methods of deposit. When the two checks ( {$8000.00} and {$46000.00} ) From two foundations arrived I drove 3 hours to the XXXX, NY branch of XXXX to meet with the nearest branch Vice President. While on the phone with my partner, former banker 27 years and head of the JP Morgan Trade desk, I instructed this XXXX of XXXX to authenticate the checks first, note the account and alert the fraud department because I could not vouch for the checks. AND, if they were no good, NOT to deposit them into my account!!! A few days later I find out that they are closing the account. My boss, the CEO of XXXX XXXX in XXXX ( where we have $ XXXX in XXXX XXXX ) spoke with XXXX ( CEO of XXXX ) explained what happened and asked him to speak with XXXX XXXX the CEO of XXXX US. My XXXX account has now gone from pending closure back to under review. The account will remain open. 

While in XXXX, I opened a JP Morgan Chase account right next door. I was thrilled!! I moved {$100.00} from XXXX to Chase and set up two direct deposits. As of today, there was {$750.00} in the account. Deposits only, no withdrawals, no other activity. Today I receive a notice that Chase is closing my account. I called Chase, they can give me no reason why they are closing the account. There have been no checks deposited, no wires sent out, nothing that violates our agreement upon opening the account. Needless to say, I am flat out furious, enraged and disappointed in the entire US Banking system!!! 

When and how am I supposed to set up proper banking and have deposits of larger funds come into the US without proper banking support. The XXXX inside XXXX in XXXX New York was XXXX XXXX, she knows she did NOT do her job, she did not advise me they do not authenticate checks first, she did not note the account and she did not advise to the fraud department. Now, I am supposed to be the victim again for some employee who cant do her job properly?? With regards to Chase, they have NO GOOD REASON to close my account and I would like it re opened asap. 
Thank you XXXX
Product: Credit card or prepaid card

It was brought to my attention after recently applying for an American Express Card that an account was already opened without my permission in my name. I recently fell victim to identity theft over the course of the last year. My mail was being rerouted and due to a data breach from XXXX my phone was overtaken by something called a sim swap causing my number to be stolen for a period of time. XXXX and XXXX have been amazing at working swiftly with clearing the debt from my credit report however XXXX has not removed the fraudulent information and American Express have not closed the account. Attached you will find all documentation revolving the fraudulent information and Im praying both companies get it resolved immediately as they are both now violating my rights as a consumer and breaking federal law by 1 ) holding me accountable for fraudulent debt and 2 ) reporting inaccurate information to my credit. I spoke with XXXX in the fraud department at American Express and was promised that the inaccurate information will be removed promptly so I am now putting this in black and white to hold both companies accountable for their conspicuous actions. I expect this to be resolved within 30 days to avoid further action. A report has been filed with both the federal trade commission and XXXX police department.
Product: Debt collection

XX/XX/2018 balance XXXX i have contacted this company and asked for validation that this account belongs to me with a singed document of some sort and they have not provided me with anything
Product: Credit reporting or other personal consumer reports

I looked at my credit report and I saw unauthorized inquires from the month of XX/XX/year>, that need to be removed, I did not authorize any of the inquires from the month of XX/XX/year> and according to the FCRA, these unverified and unattended inquires must be removed.
Product: Credit card or prepaid card

When I tried to log into XXXX with correct user name and password, I was asked to input one-time verification code. There were 3 options, text message, phone call, and call in to get a code. Since my cell phone was damaged at the time, I called in using XXXX to get a verification code around XXXX XXXX  PT, XX/XX/2020. I called XXXX, the number shown on the webpage. The phone has been transferred 6 times. The first person verified my card number, name and said he was in the debit card team then he transferred me to another person. The second person verified my card number, name and security words and said she was only the customer service team then transferred me to the identification team. The third person only said hello to me and transferred me to the 4th person. The 4th person verified my card number, name and security words and said she is from the customer service team and will transferred me to the identification team. The 5th person verified my card number, name and security words and said she will need to verify my public records. After verify the records, she said she would send me to the automated system to give me the code. However, after the transfer, a 6th person picked up the phone, verified my card number, name and security words, and declared he was from the customer service team. The phone had been transferred to the 7th person, who supposed to be supervisor. Still, the supervisor verified my card number, name and security words and did not help. After 1 hour on the phone, nobody actually helped and I was still not able to log into my own online banking.
Product: Credit reporting or other personal consumer reports

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX  : # XXXX, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed alleged Ch XXXX bankruptcy item with the bureaus In response they verified the item as accurate, stating that the information verified with the court. I contacted the court myself as the court may have violated federal and residence privacy laws by submitting such false information to the Bureau.

The court responded making it clear they did not report or validate any information with credit bureau ; therefore the original response from the bureau stating they verified the item with the court was either an error or flat out lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ), I was never sent any proof but I did get my own proof, yet the Bureaus have yet to comply. I have been being ignored for over 90 days!
Product: Debt collection

I was reached out by the collect company asking me to pay a medical bill. I told them that the bill was paid already. They say they needed a proof of payment. I sent bank statements where bill appeared paid in full. This was by email. They keep calling me even though they got that information and report me to credit company.