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

On XXXX XXXX I got a notification from my bank that a withdrawal of XXXX from a ATM was made. I then got another notification for a family dollar of XXXX was made and then I got another one from a family dollar for XXXX. Then I got another notification for a XXXX transaction for XXXX but didnt go thru so it was credited back for the XXXX. I called my bank and notified them of the suspicious activity and let them know I didnt recognize none of these charges. They canceled my card and I received a new card within a week or so.I waited ten business days and called them back on XX/XX/XXXX and they said they wasnt going to refund my money back. I then went to the bank that the withdrawal was made and spoke to a lady representative about what happened at their ATM and she gave me my bank statement and we went thru them. I told her how was someone able to get money out of the ATM without my card and she was mentioning how the person had my pin and she didnt say anything else. She said basically nothing else she can do and to file a police report. Which I did file on XX/XX/XXXX. I have since gone back to the bank on XX/XX/XXXX to speak with the lady representative and she just gave me the runaround and how it was gon na be hard to find out who did it. She basically made me feel like she didnt believe me and how she didnt want to help me with this.I dont like how the bank handled this situation.I need help to get my money back.
Product: Debt collection

On XX/XX/2022, I noticed a debt on my credit report being reported by XXXX for a debt of {$330.00}. In an attempt to settle this debt I contacted XXXX, they made me aware that this specific debt has been sold to Credit Management , LP. I did not authorize the sell of this account to Credit Management, LP., I have not done any business at the address listed with this account nor do I owe Credit Management , LP.. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/XXXX, no response has been received from Credit Management , LP.
Product: Student loan

I tried to pay off my student loans through Navient. I went through a 3rd party called XXXX and they told me that they would help me pay XXXX $ a month within 5 months to pay off my loans.
Product: Credit reporting or other personal consumer reports

There is an account from XXXX in the amount of {$100.00} dollars. I have not applied for services with XXXX and requested that the information be removed from my credit report. I have asked the credit agencies to provide me with proof that the account is mine without any communication. I have also received predatory emails with interest on the amount total of {$100.00}. I am requesting the information be update and correct on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom I t May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relat ives address. Please see the attached copy of my personal mail and bills for your reference. For the record I have lived in the same residence for over 7 years.     My name is :  XXXX   XXXX   XXXX  Please remove all other name variations IMMEDIATELY. They are not accurate.     MY CURRENT WORK INFORMATION IS :   XXXX    XXXX  /  XXXX   XXXX   XXXX    XXXX   XXXX   My current phone number is : (  XXXX  )  XXXX  Also, my current and only address is :  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I HAVE RESIDED HERE FOR 7 YEARS (  XXXX  ) YEARS All other addresses are not accurate. Please remove THESES addresses   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   O H   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   O H   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   O H   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   O H   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   O H   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   O H   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   O H   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Money transfer, virtual currency, or money service

I have a balance of {$100.00} on cashapp and I cant deposit it. I thought it was because I lost my card and requested a new one.  Once I got my new card I tried to add it to the account and it wouldnt accept it. When I go to cashapp support it doesnt have a phone number for customer service. It says my account is closed and I did everything it says to do in order to transfer the remaining funds to my account and no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a hard inquiry on my credit report I'm terrified of Airplanes I'm for certain I didn't apply for a credit card to receive discounts to fly the compay is XXXX XXXX and also I have closed student loans on my account that should be removed or i would like for them to be removed as well
Product: Credit card or prepaid card

I filled a dispute for a duplicate charge of the amount of {$2200.00}. I sent them proof and everything they asked of me. I contacted them more time than I can count, and all they do is tell that they do see the duplicate charge but unless the merchant agrees to refund me the money, they cant do anything on their end, but thats the issue, the merchant only sees one charge but my statement shows 2, so they cant refund me because according to them they dont see the duplicate charge. Thats why I took up with the bank, but citi bank isnt doing their due diligence in investigating this properly. Even after I show them receipts. I have attached pictures of the total amount and the split payment, one of {$2000.00} and the other of {$2200.00} ( which was charged twice ). As you can see the total charge does not match the purchase amount.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

By mistake, I made a payment of {$2000.00} instead of {$200.00}. I immediately called the bank to stop the transaction, but they said they couldn't. I also contacted the payment company, and they couldn't help either. I called Bank of America again because my account was at risk of overdrawing. They assured me it was impossible for the transaction to go through since I didn't have overdraft authorization. Two agents confirmed this. To my surprise, the bank overdrew my checking account, where they are not authorized to do so, instead of rejecting the transaction. 

This happened on XX/XX/XXXX. I made calls on the same day and confirmed on the XXXX that my account wouldn't be overdrawn, as the bank lacks authorization for overdrafts. Yet, on XX/XX/XXXX, I woke up to an overdrawn account. 

All of this is happening because I have another account with sufficient funds. They are acting unfairly with my money, and they shouldn't play with the savings of their customers. 

I need my money for do others important things
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX Account # XXXX XXXX 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: Money transfer, virtual currency, or money service

Hello, On XX/XX/2020, I sent a XXXX transaction from my Chase checking account to my wife Chase checking account for the amount of $ XXXX/USD. In the memo of the transaction I put the word XXXX, as an internal reference for us. Just to let us know that is the money we'll send to our family in XXXX. XXXX transactions usually occurs within minutes, but that day, the money was withdrawal from my account and never went to my wife account. Then on XX/XX/2020. I received a letter from Chase explaining that the transaction was cancelled and it was under investigation by the XXXX Department for a possible Sanction or JPM Risk Policy issue. They stated that a reference to XXXX was included as an instruction. They asked me about ( 1 ) what was the purpose of that payment to XXXX, the also said that ( 2 ) Payments involving XXXX are only permissible under certain OFAC regulations, authorizations and/or licenses. Provide related authorization you have knowledge of. for XXXX. and additionally the asked ( 3 ) If this payment is a personal or family remittance : ( a ) Please provide full name of person or company that ultimately receives the funds, ( b ) their relation to you, ( c ) if they are an official of the Government of XXXX, a member of the XXXX XXXX XXXX, and ( d ) confirm total amount of funds that have been remitted to the individual during the last three months ... 

I clarified and sent all the info they requested, including the name of family in XXXX ( my mother ) who I regularly send money through XXXX, I provided also the MTCN from XXXX for the last months I sen money through them ( XXXX, XXXX and XXXX XXXX. All the info they request I gave them to them. 

Finally yesterday they decide that they will keep the $ XXXX/USD on a blocked account and they will not released to me or my wife unless I obtain a license from the treasury office XXXX 

I explained several times to them, that the transaction was between two Chase accounts, both person are USA citizens and residing in USA. We never instructed anything relating to a transfer to XXXX, it was just a simple memo with just one word " XXXX '' for a simple personal reference between my wife and I. 

We consider that this is a huge abuse of power of Chase, that this is a huge violation of our rights, and that they no have any right to take from us any money. I moved all my finances to XXXX XXXX, and we'll keep the accounts opened just for communication with them, because the only way is through the Secure Message on the Chase website or app. Nobody wants to explain anything through the phone and the case looks like closed from their side. 

I'm filling this complaint in order to get any help on this. 

Any information needed from my side is available, I have all the communication on pdf in case needed. 

Thanks in advance for any help you can provide Respectfully, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX of this year I applied for a XXXX consolidation loan with XXXX. I was approved for the loan at XXXX  %. when I received my welcome packet my loan was for XXXX %. I made numerous calls to discover to ask them for a copy of my e-signature contract agreement and each time I was denied. On the third call I was told that I need to subpoena my e-signed contract. I have documentation of every call that I made to include dates and names.
Product: Debt collection

On XX/XX/2024 I made an initial attempt to send a certified letter to XXXX XXXX, requesting validation of the information associated with the account. On XX/XX/2024, I received a response from XXXX XXXX. Subsequently, I emailed XXXX, XXXX ( the original account holder ), and copied XXXX XXXX in the correspondence, including screenshots of the credit application containing inaccurate information. 
Following this, I accessed a credit portal to formally dispute the collection charge appearing on my credit report. listed below Dispute 1 * Source of dispute information : XXXX XXXX * Type of disputed information : Unknown credit account * Details of the Dispute : 1. Incorrect Date of Birth : The date of birth listed on the account does not match mine. Upon requesting proof from XXXX XXXX, they intentionally blacked out my date of birth. 
2. Incorrect Email address : The email address linked to the account does not belong to me and does not represent my contact information. 
3. Unauthorized Signature : The signature on the credit application is not mine. There is no proof of wet ink signature, just an electronic signature. 
4. Incorrect Address : The address associated with this account is an old address of mine, but I was not residing there at the time the account was opened.
Product: Credit card or prepaid card

This is my second complaint about this matter ; NOT A DUPLICATE! I was denied my own credit from JP MORGAN CHASE BANK for the CHASE FREEDOM card on XX/XX/XXXX. This is a violation of 15 USC 1691 ( a ) ( 3 ) of the Equal Credit Opportunity Act under 15 USC Chapter 41. The Equal Credit Opportunity Act was put in place by the federal government to stop creditors from discrimination in a determination of credit-worthiness. Denying me my OWN credit is discrimination and unlawful. I filed my first CFPB complaint on XX/XX/XXXX ( case # XXXX ). I was contacted by XXXX XXXX ( ext. XXXX XXXX XXXX ), of the executive office, the very next day kindly saying he was going to look into the matter and get back to me. I never heard back from him. I received a response to the first CFPB complaint on XX/XX/XXXX informing me that JP MORGAN CHASE BANK denied me AGAIN. I tried calling XXXX XXXX back since he kindly left me his direct line. I have called multiple times, leaving multiple messages and he has not returned any of my calls. ( I am still open to have a conversation with him. ) In all, there is NO reason pursuant to federal law that gives them permissible purpose to deny me my OWN credit. These denials have caused my life mental and emotional stress. JP MORGAN CHASE BANK has violated my federally protected rights under 15 USC Chapter 41.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced a mortgage with my credit Union. XXXXXXXX XXXX paid of the previous lender XXXX XXXXXXXX XXXX. I contacted them and they said that the loan was paid off. 
The problem is when I pull up my credit report with XXXX it now shows I have XXXX mortgages XXXX with XXXX XXXX XXXX XXXX and the report still shows I have an active mortgage With my previous Lender. This shows I have XXXX active mortgages on my credit report. I have disputed this with XXXX and called XXXX XXXXXXXX XXXX letting them know of the problem. I was advised they would pass this information on to the department that will take care of this. I have called XXXX several times trying to get my credit report updated showing I only have XXXX mortgage with my credit Union. As of today the XXXX of XXXX the wrong mortgage information is still on my credit report but it shows under a dispute but it's been under a dispute for over 30 days and every time I call XXXX they keep saying they have up to 30 days to correct the error. It's obvious I'm not getting any where to get my credit report updated. I hope filing a compliant with your department will get them to do what is necessary to correct my credit report since filing a compliant to your agency should let them know it's time direct a little more attention to getting this credit report corrected.
Product: Money transfer, virtual currency, or money service

I met a guy on XX/XX/22 online and he introduced me to crypto. He told me I should invest and he can help me. So I started out small. First he made me wire funds to coinbase then transfer it to XXXX website. It looked fishy but I was blinded. I made profit. So I started to add more. Total {$12000.00}. Then he told me to take personal loans to make more profit. Since then it got very suspicious. So he even sent me around $ XXXX within the XXXX  site to raise my earnings. Now I know why... I tried to withdraw today but it wouldn't let me. So I asked for help and he helped me gain, from XXXX I went to XXXX. Then I was able to " withdraw '' until I realized I need to prepay tax. 25 % of the profit. Which is {$9900.00}. So I realized how they take money from people. I'm sure they will not let me withdraw $ XXXX even if I " prepay. '' Is there any way I can get part of my funds back?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2021 to CFPB regarding EquiFax not removing unauthorized inquiries from my credit report. The Complaint ID was XXXX. EquiFax Response was : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX XXXX XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. '' I have taken a screenshot of their response via mail regarding this matter and it clearly stated that " The results are : Inquires are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly and follow their internal fraud procedures. '' EquiFax is the CRA and never sent my disputes to the companies inquiring my personal information, unauthorized. XXXX removed them promptly after they investigated and couldn't verify. See Screenshot below of EquiFax, clearly stating they didn't investigate but instead told me to call the creditors. By law you are suppose to investigate any inaccuracies that you are reporting on my reports. Next will be a summons to court in my local venue if you do not fix this matter promptly.
Product: Debt collection

i have mailed CACH LLC/Resurgent Capital Services on several occasions asking for validation of this debt of {$8200.00}. I have not received any validation of this debt that they are reporting on my credit report. I have not received any contracts with signatures proving this debt. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This is a serious allegation and i want answers on why false information this is reporting on my credit report.

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The attached letter is the only information i have been sent. No other details has been provided.
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX missed late payments & I OWED {$20000.00} open XXXX. RC/RESURGENT RECEIVABL i OWE {$1200.00} DATE OPEN XX/XX/XXXX, RC/RESURGENT RECEIVABL I OWE {$1700.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$970.00}, XXXX LATE PAYMENT. 

, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX CLOSED ACCOUNT I OWE {$460.00} DATE OPENED XX/XX/XXXX. 

They are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Product: Mortgage

LenderFi, Inc. created multiple delays in processing our loan documents, eventually necessitating a rate lock extension with a {$780.00} fee. At one point we were told that documents faxed in by our agent had mistakenly been sitting on someone 's desk for 3 weeks. In addition, the morning the appraisal was scheduled we received an email stating that we failed to qualify, and so we delayed the appraisal over a weekend, by which time they had reversed this position and we were able to have the appraisal immediately performed. 
LenderFi President XXXX XXXX told us that they would only pay half of the {$780.00} fee due to our role in delaying the appraisal, which we agreed to. He stated on XXXX ( via text message to our real estate agent ) that he was mailing a check for {$390.00}. We have yet to receive this check, and have been unable to contact him since.