23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

During the month of XX/XX/XXXX, Our Chase Visa credit card was fraudulently used 98 times, racking up fraudulent charges totaling {$25000.00}. All of these charges were made to an on-line gaming site called XXXX. The fraudulent charges were as follows : 40 each at {$500.00}, 55 each at {$100.00}, 3 each at {$20.00}. 
Chase never notified me of the fraudulent activity. I only found out when my credit card was denied while dining out. Chase allowed the fraudulent charges to continue all month until my account was {$17000.00} over the card limit. ( XX/XX/XXXX statement : {$37000.00} vs. {$20000.00} card limit ). 
This complaint has been ongoing for over a year. I've written 5 letters ( latest copy is attached ), and made well over 20 phone calls. At first Chase said that these fraudulent charges were part of a scam and that Chase would not cover scams, and that I was responsible for all the charges. Later they changed to say that the charges were actually fraudulent, and that the computers had been hacked. They said they had issued a refund ( not true -- see attached letter ; Chase 's numbers do not agree ). Their latest decision ( phonecon XX/XX/XXXX, XXXX ) is that they've done all they can do and too much time has elapsed to continue expending any more effort to resolve this case. It's not my fault that so much time has elapsed. I've been wrestling with Chase for over a year trying to get them to resolve this. According to Chase 's actual statements ( copies attached ), I had to paid {$26000.00} over and above my actual charges ( {$25000.00} fraud plus interest I assume ). Yet Chase has never answered my question as to why I was required to pay {$26000.00} over the amount of my valid charges. See the attached letter for a detailed break down of the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon investigation of my credit reports I ran across the following unauthorized inquiries. I have already disputed the inquiries and Equifax, XXXX and XXXX stated that the inquiries were validated despite me sending in identity theft report. I did not authorize or make the following inquiries please remove from my credit reports : XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX CARD SERVICE XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app fails to take timely and effective measures 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 E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a transaction " XXXX XXXX - XXXX '' for {$53.00}, which should be qualified for 5X points. BUT I only receive XXXX points, and I am missing XXXX points. I've contacted Barclay customer service twice, and case ID is XXXX. It has been six weeks but still no progress at all.
Product: Checking or savings account

I've ask JP morgan bank to not pay anyone from my saving account nor transfer monies from saving to checking and if there's no money don't pay, Chase also will make multiple payments to the same people three time in the same day.B was I at a store making a purchase than they cut off my card while I'm in the store making a purchase. 
a copy of unjust fees charge to my saving account for fees pertaining to my checking. ( unjust fees ) If this is the case than you need to go backward from todays date and remove all overdraft fees you charged me cause you can just take from the saving and apply to checking such as you did in this case.You have proven to me that you used my saving account to to pay for something pertaining to my checking account ( I don't have overdraft protection on either account ). I did not request all theses copies. Look how many times you have charged me. I was not aware that I could overdraft my saving account for over {$600.00} when I can't overdraft my checking account for XXXX XXXX. Since when does any bank allow an overdraft on any account for over {$600.00} dollars. The last Bank I was with they would call me or email me that there is a problem.You will pay monies out to the same firm for the same reason 3 time in one day without alerting me or questioning me about it .You cut off my card while I was in a store with monies in the account and say to me, It sounded an alert. 

And here 's a copy of the many times they have charge me
Product: Money transfer, virtual currency, or money service

Because of the previous XXXX incident. Forced me get a business account at U.S. Bank. The purpose of my business account is to be able to receive and send money abroad. Everyone is having trouble with sending money to my account. XXXX XXXX XXXX XXXX XXXX, my employer is on the top of the list. I make one mobile deposit. At the date of this complaint transmission. I first get error message stating that their was some trouble on their end try again at a later e. Around 20 minute pass by and I repeat the process. Bank app expressed that their will be a hold on the check till Tues. So I went to the branch located in XXXX. And she puts me on speaker phone with the online department. Both the branch XXXX and the customer service representative, did not see any action in my account concerning a mobile deposit. No trace. Remind you that around XXXX to an hour time has passed since the first time I seen that og mobile deposit error. I tried to log in to the bank app, to try to show my authenticity. Only to discover that I'm blocked out of my account. All this account closing business only took whoever monitors the traffic. Two ours to make that decision. Computing all this information, gave me a gut feeling that something is off. In hindsight the XXXX XXXX situation has similar traits. All stemming behind Mobile deposits. Someone who the bank pays to monitor the traffic could possibly be deliberately causing me difficulties. XXXX XXXX smart people know this kinda of behavior, Is described in XXXX XXXX XXXX XXXXXXXX explains the nature of public entities who abuse their Authority or social status and influence. To harm another Citizen. My customer was stressed out as well, because I sold her my XXXX  with All rights, sold licensing meaning until I receive the money she can't move forward with whatever her plans she has in her art project. Once again these checks have account and routing numbers and those numbers is all that machine reads. Done in banks to shopping mall. As long as it is linked. To a point of sale system. Those numbers communicate if the money and name of owner match with the records stored in the bank. It takes literally seconds for that machine to validate a check. But the bank is treating new account holders as a potential fraudulent member? Slowing me down claiming they can't help me expedite the authentication process so I can access the funds I need to live my life. Which is literally business. Because it keeps me busy.
Product: Credit card or prepaid card

On Thursday, XX/XX/XXXX, I went to a cafe at XXXX XXXX XXXX in XXXX XXXX, CA. I needed cash to buy food, so I used the ATM located inside the cafe. I put my card in, did the transaction, and for the machine to dispense the money, I needed to take the card out, but because my nails were too long, I couldn't get the card out, so I asked the manager, but by the time he came over to help the machine timed out and no money was dispensed. I stood there and did the transaction again with the manager 's help, and it then said insufficient funds. I called the number on the ATM, they said it was the bank holding the funds ; they had nothing to do with the money ; their just providing the ATM service. I then called Chime, and the first three representatives weren't helpful, which upset me. I was not without money, no way to pay for the food I ordered and no way to put gas in my car to get home which left me stranded ; all of this left me embarrassed and humiliated. The fourth representative I spoke with told me to send in the receipts, which I did, and she filed a dispute. I did what she asked and called back Monday, XX/XX/XXXX, to find out no dispute was filed, which again XXXX me off. The representative saw the receipts, read the notes, and filed the dispute for me. I received an email the next day that said : We take disputes like yours very seriously, and we'll be in touch as soon as possible with an update on your case. I completely understand the inconvenience you are experiencing. We are working to resolve your case as quickly as possible. Based on the nature of your claim, we will complete the investigation no later than XX/XX/22. We will notify you by email as soon as the investigation is completed. I was livid, XX/XX/22 is 3 months. I have never experienced this, this is unheard of, beyond ridiculous, and unacceptable. A simple mistake of not taking my card out ; I work hard for my money, we are in the middle of inflation, and they're stealing from people. I need my cash.
Product: Debt collection

I called the creditors and explained to them that I believe Im a victim of identity theft because I did not open the account. She basically told me to file a police report and then they will take action. Ive reported this to the credit bureau several times
Product: Credit reporting

both XXXX and XXXX are reporting late payments. I was told by my banker at XXXX not to pay my mortgage during both my refinance and my mortgage modification. They are reporting that time period as late. I feel this is poor and unfair credit reporting. XXXX offered a holiday relief program, I took advantage of this program offered by the bank. At no time did they tell me that I would be reported as paying late.
Product: Debt collection

XXXX XX/XX/XXXX XX/XX/XXXX Insurance XXXX XXXX {$480.00} Status Date Status Date of 1st Delinquency Balance Date Balance Amount Last Payment Date Whose Account XX/XX/XXXX Unpaid XX/XX/XXXX XX/XX/XXXX {$480.00} Individual Account this is the letter i submitted in writing I have never owed this debt, nor was I contacted regarding it. I believe this is a case of mistaken identity or an error in reporting. 

Please verify the details of this account and provide me with any supporting documentation, such as the original contract or billing statements, that proves this debt is mine. If you can not provide this information, I request that you remove this account from my credit report immediately.

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that this matter be investigated and resolved within the required 30-day period. I also request that you inform all three credit reporting agencies to correct the information on my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and notify me in writing of the actions taken. 

Sincerely,
Product: Student loan

I am receiving calls from NAVIENT that are harassing and occur nearly every hour of the day. I must state that I have never had nor do I now have a student loan of any type in my entire life. That statement holds true for my wife as well. This ror-call will not allow me the option of talking to a representative to try and settle this harassment issue as they assume they have the right person merely by virtue of their call. This harassment has disrupted my family time, taken up space on my voice mail, and the number given XXXX will not allow me to proceed to a conversation with a live person. Again, I do ot possess a student loan. I have never even applied for a student loan. I want the phone calls to cease and desist immediately. I believe that this is a case of mistaken identity created by the shoddy investigative practices of a less than credible agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
10. Identity Theft XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 11. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I reached out to Experian to fix an incorrectly reported item ( XXXX XXXX XXXX- {$3300.00} ) on my credit report. 

They claimed to have investigated the claim with XXXX XXXX XXXX and verified it. This is impossible however because between the time of the debt being reported and the time of the investigation, Id worked directly with the Original Creditor to address a number of issues and overcharges ( proof attached ) In XXXX of XXXX, I reached out to Experian by certified mail with a return receipt to show them proof of this incorrect account and request it be removed. 

To date, I have not received a reply. 

I have had a number of my rights violated in the handling of this dispute, namely ; 1 ) My complaint was not answered within 30 days as required in the FCRA. The incorrect item must now be deleted. 

2 ) Section 611 ( a ) ( 1 ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. This never happened. If It had, my file would have been updated. 

3 ) Section 611 ( a ) ( 3 ) requires prompt deletion of item information from the file of the consumer when proven to be inaccurate. 

I shared proof with the CRAs ( attached hereto, I've withheld their name in case a lawsuit against the CRA 's becomes necessary and they need to be called as a witness ) that clearly shows the Original Creditor made changes to my ledger AFTER it was reported to my credit file. Any reinvestigation would have resulted in a corrected account. 

I am requesting this account be deleted immediately. If this account is not promptly removed, my next course of action is to file a lawsuit as I am entitled to damages due to the CRAs negligent failure to comply with its obligations under the FCRA. I intend to seek : - actual damages of the harm and opportunity loss this irresponsible reporting has cost me - attorneys ' fees and costs. ( 15 U.S.C. 1681o ). - punitive damages for the willful disregard of my rights.

I appreciate your time and attention and look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

It is essential that you swiftly erase this inaccurate account from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section XXXX letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on XX/XX/2021, I sent in a 30 day demand letter XXXX see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act XXXX FCRA XXXX. I demand that this item be immediately removed and deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX CT XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX  XXXX XXXX : {$830.00} XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX  ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX  GAS ) XXXX Balance XXXX {$200.00} XXXX  XXXX Bankruptcy Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX Bankruptcy XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  mastercard ending in XXXX through XXXX XXXX, which I had disputed unauthorized charges from XXXX XXXX XXXX over 3 months ago. After numerous complaints an employee from XXXX XXXX finally contacted me on XX/XX/2021. 
This employee identified himself as XXXX ( runs the back office for XXXX XXXX ). XXXX XXXX goes through XXXXXXXX XXXX  to offer the XXXX Mastercard. 

XXXX attempted to explain why my disputes were not handled properly and why they were furnishing inaccurate information to the credit bureaus. XXXX did apologize for the way my account and issues were handled which I appreciated. XXXX requested to start over with my original disputes and allow him to conduct the investigation that should have been conducted 3 months ago. 

I informed XXXX XXXX would no longer discuss this issue until the balance the XXXX card is wrongly reporting is updated correctly to a XXXX balance. I explained what I have been through and how the inaccurate reporting has caused me financial, and emotional harm. XXXX was not receptive and our conversation ended. About an hour later I attempted to log in to my XXXX Mastercard account and was blocked. As of today XXXX XXXX my account continues to be blocked. 

I can not access it online or by phone. I have called customer service numerous times and no one has been able to help me, I am placed on long holds without anyone picking up the phone. If there is a small balance remaining I have no way of making any payments. I am completely blocked and one representative claimed the entire account was charged off for fraud. Makes no sense ... If XXXX reports this account in any negative way it is clearly a deliberate attack to harm me by ruining my credit more than they previously have.
Product: Debt collection

CKS PRIME INVESTMENTS is reporting a debt of {$710.00} ... I XXXX XXXX have never had a contract with CKS..This is fraud and nothing more. CKS could never be a creditor as banks and financial institutions dont lend money or credit.
Product: Mortgage

I was sent a letter from Wells Fargo, received on XXXX XXXX, 2015 but dated XXXX XXXX, 2015, stating I had {$2300.00} in a Cash Management Account and it could not be applied to my payment because it was short. This was my first notification of this short payment or any notifcation whatsoever that I had a cash balance. I called and spoke to XXXX XXXX, who is the single point of contact for my mortgage account. He advised me on a phone call between the dates of XXXX XXXX that Wells Fargo would be issuing a check in the amount of {$2300.00} and I should receive it in 2-3 business days. Today, in my follow-up conversation, they are now stating that they can not return the funds. I believe this is illegal on Wells Fargo behalf to have held funds without notifying us for 4 months, agreeing to send the check last week, only to rudely treat funds sitting in a XXXX account as if it were legally theirs. Every other time in my life, when we were short on payment, they issue the check immediately with a letter. Ironically, the letter notifying me of the cash balance in my account was the same week the Department of Justice announced the {$81.00} XXXX settlement against Wells Fargo for this same type of abuse, lies, deception, paper shuffling and illegal fees to our accounts for decades.
Product: Credit reporting, credit repair services, or other personal consumer reports

Premium credit bureau pulled my credit report by request of XXXX XXXX  XXXX without my consent on XX/XX/XXXX. I have contacted both companies multiple times with no resolution.
Product: Debt collection

I received an alert from XXXX XXXX advising me that an account had been added to my credit report. The account was listed as Jefferson Capital System, as a collections agency.