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

Fraudulent Checks and fraudulent withdrawals were deposited and removed from my college students Chase account. The crime was committed by use of of a credit/debit card and the criminal also knew the pin #. The several checks were deposited, which was over {$3000.00}, ALL written by a " XXXX XXXX '' to someone name XXXX XXXX via a Chase ATM machine. Then the criminal went on a spending spree! The bank alerted us about the transactions via text message which we responded to ASAP. The bank was called and I thought it was all taken care of, the college account was closed, END OF STORY! Well several weeks later Chase Bank withdrew {$3000.00} from my ( the parent ) savings account. I reached out to Chase bank again reported the problem. I explained to them that it was ALL fraud! And if they could look at previous transactions with the account they would see that it was not the norm. I also asked if Chase Bank could just look at the camera where the checks were deposited & they could then see that it was not my college student. But Chase refused to investigate the identity theft/fraudulent deposits or withdrawals. Chase bank told me that since I looked at my Chase Mobile account while the transactions was taking place, that I did not act quick enough to inform them of the crime. However the bank was called right away, I have a letter from my college students school and the attendance roster, stating my college student was in class at the time of the crime, and the crime took place 3 hours and 45 min away from the college. A police report has been made and we have requested a warrant be placed so that we can get assess to the video from the bank. I have record of when the bank reached out to my college student, and I have requested copies of my phone records to prove a call was made to Chase bank as soon as we became aware of the incident. Not only did Chase withdraw the {$3000.00} from my saving account they also charged me the transactions/overdraft fees and kept the remaining money in the college account. So actually this complaint is about a college checking account, and a saving account that was has unauthorized/disputed FRAUDULENT transactions. The fraud was from a college account, the {$3000.00} was removed from a saving account. Primary Account information provided.
Product: Mortgage

I am a foreign citizen and I don't have a social security number. I took a mortgage from XXXX in XXXX, where I have a company. 
Some years ago XXXX transferred my mortgage to MR.COOPER. Then started a real nightmare. The company did not aloud foreign citizens without social security number to have a web account. So it was very difficult to have an Auto Pay but after several months I got it. 
At the beginning of this year with the pandemic situation, MR COOPER offered 3 months of suspended payments and I accept it. After these three months I called to autorize the Auto Pay again. They said it was impossible to do it by phone. I am outside the country and explained that. They follow the rules and kept saying that. So I start to have problems with the payments. Every month I need to call. Sometimes they charged late fees and sent threatened letters. I kept calling trying to fix this. Last time they send me a form and ask to enclosed a voided check from my Bank. I could not do it. I am out of the country, I can travel, but they are worried with my problems. 
I can't believe the USA Government keeps a company like that working in the financial market. They should be prohibited to work with foreign citizens or to take their mortgages. In a Global Market like actually we can't accept this kind of treatment. Please help me!!!
Product: Debt collection

From XX/XX/XXXX through XX/XX/XXXX I've paid my rent on time every month. I was thinking about staying another year until someone broke into the rental which I made that clear to the rental company. I no longer was safe and no longer stayed past my original lease.
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 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 ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report ongoing .. There's a collection Agency..XXXX XXXX XXXX , XXXX .. A Balance of XXXX Opening date XX/XX/2019. That's continuing to appear on my credit Report. I have no idea where this collection came from. i never received any loan from them. And it's showing as if the Account is new.. And I'm not about to be liable for anything i did not do and someone else did it my name ... Police Reports has been sent in to them and all of the Credit Bureaus to have it remove.. And all have done so except XXXX ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it's Fraudulent..
Product: Checking or savings account

Someone stole my check and wrote a check to herself for the amount of {$5500.00} and signed the check herself forging my signature. The signature did not even look like my signature. Union Bank ( XXXX XXXX in XXXX XXXX, address is : XXXX XXXX XXXX, XXXX XXXX, CA ) did not verify my signature and cashed the check. They should have verified my signature specially for this large amount. Union Bank made a big mistake. And now they are not giving me back my money. I talked to the branch manager, XXXX XXXX XXXX regarding giving me back the money back. I had another similar situation before. XXXX XXXX gave me back the money but he also forced me to sign a form that if there is any more trouble with Union Bank will not be responsible. He did not explain to me what I was signing. And this time, he does not care about me losing money. He does not care that Union Bank made this mistake. 
I feel that I am a victim again. Not only by the person who stole my check, but also a victim by Union bank. 
I reported this to the police. Case number is XXXX. Copy of the police report is attached. 
My English is not very good, please contact my realtor, XXXX on behalf of XXXX XXXX email XXXX and cell phone ( XXXX ) XXXX and address XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report I was surprised to know I am a victim of identity theft and Social Security data breach and I found numerous accounts on my credit report that was not open by me also 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, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX and according to 15 U.S.C 1681 section 602 A. States I have the right to privacy and 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 and also according to 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 XXXX years. And 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Checking or savings account

On XX/XX/2019 I received a cashier check from the US Bank. The check was sent to me in a response/compensation for a fraudulent activity that happened thanks to the US Bank. I already made a complaint about US bank not handling the fraud that happened to me in a proper way ( complaint # XXXX ). Basically, the manager of tellers of the US Bank in XXXX IL at XXXX XXXX XXXX released my money at the counter on XX/XX/2019 to the unknown person. I do not think at that time the bank nor XXXX ( the teller ) handled the security of my account properly. My money from the account were withdrawn by the fraudulent person. The investigation started. Till XX/XX/19 I had no compensation from the bank, no emergency funds were given to me. Once the investigation has finally closed, I received a check, BUT the check was made to me and my father ( who was authorized on my account ). My US bank account is currently closed and was closed due to security reasons before the investigation ended. Before closing my account I specifically asked if closing the account will make any problems with getting a return check to me. I also asked If my check can be made to ME only, as my father does not live with me. Again, Everyone stated there will be no problem, as I will have a cashier made out only to me. WRONG. I got a cashier check made to me and to my father. I was told by US bank that I can not cash it at their bank ( XXXX XXXX XXXX XXXX XXXX ) as my father 's signature has to be on it. They also told me they can not issue me a new check made out only to me. Even though I am a primary holder of the account. The fraud department also told me they can not issue me a new check made out only to me. It is hard to believe, that it was easy to release my money to someone at the local brach, but as a customer of the bank is so difficult to receive my money back. It is the most unprofessional and untrusty bank I have ever dealt with. No one is held responsible, and I am spending countless hours calling, visiting banks and losing my personal and professional time from work.
Product: Debt collection

On XXXX XXXX, 2015 at XXXX, I received a phone call from a woman stating she was from Contract Caller 's, Inc at phone number XXXX. I asked her what the call was regarding and she kept insisting I verify my address and social before she gave me any info. I hung up on her and called the number back a few minutes later. The male that answered my call asked me if my name was XXXX and I said yes -- and asked him what these calls were in reference to and what type of business was it I was calling. He refused to answer my questions and kept pressuring me for personal information. I asked him several times what type of business it was that he worked and he was dismissive with me and refused to answer my question. Finally, he said it was " personal business ''. I repeatedly asked him what the call was in reference to and he just laughed at me and did n't provide the information I requested. I again hung up the phone after he refused to identify himself or the business he was working for. I found out that the number they were calling from is a debt collection agency and am filing a complaint for not identifying themselves, using threatening tones and language with me, and not identifying that they are in fact debt collectors trying to collect a debt that I do not owe.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Debt collection

I had called the company on XX/XX/2023. I was not able to make the payment of {$900.00}, just {$50.00}. The person I called had said they would change the amount charged- as he asked if this would be a regular occurrence because I did the same thing the previous month. After he agreed to make the changes, two days later on the XXXX of XXXX, {$900.00} was deducted from my account. I was unable to pay my health insurance premium because of the charge difference. I went to my bank and they processed a claim for me to adjust the charges so the bank gave me a conditional credit of {$850.00}.
Product: Checking or savings account

I was at the gas station on XX/XX/ and I left my cash app card on the counter accidentally and when I went back it was gone someone must have took it. A few minutes later my account was drained they took all the money I had left in my account. I was using my card mostly everyday and had about {$400.00} left in my account. Ive filed a police report right away. I disputed these charges with cash app and Ive already ordered a new card and cancelled my stolen one I even sent the police report and they denied my dispute I filed two disputes because it was two atm transactions one for {$200.00} and the other one for {$200.00} as well. I am almost positive they did no investigation what so ever. They owe me this money. 

Update XX/XX/ I have filed another dipsute since my first one was denied I now received my dispute being denied again. For the second time after I sent them The police report again and I even went as far as sending them A letter a lawyer helped me execute to try to Reason with them and give them A chance to pay before filing a small claim in court. But they denied my disputes either way. No explanation and no real investigation done. 

Ive attached my police report and the letter I sent them letting them know this was the last chance they had to give me my money before I filed a claim in small claims court. I also attached the times they denied my disputes,
Product: Checking or savings account

They said I entered a check amount different than the actual check amount. That is false. They then restricted my account and did not tell my why. I called at least 5 times over the course of 4 days to see why I was limited. They said that I will probably not be let into my account and they are not giving me my money that was already in my account. They did not let me speak to a higher-up. I was told I would be able to speak to a supervisor and they never called me like they said they would. Ive seen this happen to a few people already.
Product: Debt collection

This is not my account. I'm unware of this account and did not have the opportunity to dispute before this information was placed in my credit report. 

Please provide the validation of debt, method of validation and assignment of debt.
Product: Credit reporting or other personal consumer reports

I received information someone had used my identity to open an XXXX  account in my name .I reported it to XXXX  by email and phone and was told they would investigate. Then same day I reported to experian XXXX and XXXX XXXX to freeze my credit and filed a dispute it was fraud on my account and they reported it for numerous months dropping my credit tremendously that flagged my attention to the problem.After filing the complaint or dispute Experian the next day sent the dispute was investigated and it's my account? Litterly the next day? I contacted XXXX again very upset letting them know my credit dropping by over XXXX points and this wasn't my account they needed to look into this immediately they sent me an email which I sent to Experian and they did nothing. Plus it was so hard to file the extra information they made it so hard to connect or to file more information It's still on my account. 3 weeks later I received an email from XXXX  stating the account was fraudulent and not mine they apologized and said they would try to protect my information and suggested I put a credit freeze on my ssi number which I explained I already had one.I was so upset that Experian didn't take time to look into my dispute for fraud they just denied my claim I reported Experian to another agency for nit handling my dispute
Product: Student loan

I was over charged for paying late when I did not pay kate. I also asked to lower my monthly bill as if was too high and I can not afford to live and pay my bills such as rent gas car. I was told That I could not Lower the monthly payment and could only change to interest only which means I will means I will never have my student loan paid off and can. Of afford to live
Product: Debt collection

Multiple calls daily to my number. 
Also called a third party and told them they were a debt collector
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed a two Leaders with Experian that had old accounts that were being marked on my credit as negative remarks after I filed bankruptcy. After the the disputed come back one of the leaders disagreed with the disputed and my credit score went down 26 points. Nothing has change about my credit, all my current bills have been paid on time since the bankruptcy. It was until after the dispute was investigated that my credit went down, and now showed a ( N ) starting on the date of XX/XX/20 on my credit report. I reached out to Experian who told me I had to contact the lender because they are responsible for reporting it, but when I reached out to the lender they said they didn't report any negative remarks due to my bankruptcy to Experian and they're not responsible. So I called back to Experian 's customer service number, who wouldn't allow a live representative and didn't have an option to speak with one. After googling " How to speak to a live representative for Experian '' that's when I found a local number. So I believe Experian is reporting inaccurate remarks on my credit report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :
Product: Checking or savings account

Around XX/XX/2022, I tried to deposit a check ( a safety deposit returned by my apartment ) into CITI bank. Two days later, I found out that my account has been closed. I called the bank and learned that they defined this deposited check as a fraudulent activity. They want me to provide a number for my apartment so that they can call and confirm the identity of the check. However, every legitimate number I provided to them was denied. They claimed that those numbers do not match their " public record ''. Instead, this check is cashed and held by CITI bank so that no other parties can cash it. After persistent calling every day, my call was finally picked up by the CITI bank USA fraud prevention department ( instead of the outsourced XXXX department ). The representative was able to verify with the issuing bank of the check that the check is valid. However, It was already about one month after the incident. They confirmed my current address and promised me to send the remaining amount in my account and the check ( that they thought this was fake ) to me. 

Two weeks have passed, and I never received a single thing from them. Due to a huge financial burden, I had to take a trip to New York, where I can visit a physical CITI branch. The bank manager helped me to call the CITI bank fraud prevention department and promised me that they will send out the two checks to me. Two weeks have passed, I still got nothing from them. Desperately, I tried to call them last week. After hours of waiting on the line for a representative, they keep referring me to other departments of the fraud department. More than 4 representatives told me rudely that they don't deal with this matter. I am out of options.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alaska XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against XXXX XXXX XXXX for Inaccurate Loan Payment Reporting and Negative Credit Score Impact Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their inaccurate reporting of loan payments, which has adversely affected my credit score. I believe this matter warrants investigation to ensure fair and accurate reporting practices. 

Account Information : XXXX Account Holder Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Name : XXXX XXXX XXXX I recently reviewed my credit report and discovered discrepancies in the reporting of loan payments associated with my XXXX XXXX XXXX account. The inaccurate reporting has led to an unjustified decrease in my credit score. I have attached supporting documents, including bank statements and payment receipts, to substantiate my claim and provide evidence of the accurate payments made. 

The inaccuracies in reporting have significant implications for my creditworthiness and financial standing. I kindly request the Consumer Financial Protection Bureaus intervention to investigate this matter thoroughly and ensure that XXXX XXXX XXXX adheres to fair and transparent reporting practices. 

I request the following actions : 1. An investigation into the inaccuracies in XXXX XXXX XXXX reporting of loan payments. 
2. Correction of the inaccurate information with the credit reporting agencies. 
3. Regular updates on the progress of the investigation and resolution. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify the reported inaccuracies. 

Thank you for your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have tried to get this fixed from both of my banks it wont let me connect one bank to the other