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

my secured credit card gets a fraud just about every time I use it and this has not only caused me embarrassment and hours of time away from other obligations it has cost me monetary suffering. I made a complaint about this issue back in XXXX via phone and email but instead of getting a response and or resolution to the problem I was locked out of not only my credit card account but checking and savings account also without any valid reasoning behind this and I remained locked out from XXXX through XXXX leaving me unable to pay my bills, access my money or run my business as I was self employed. my vehicle was stolen along with my wallet and driver 's license, cards, checkbooks etc inside of it. I spent a countless number of hours sometimes up to one hour and 45 minutes at a time waiting for the fraud department to come on the line. I even went to a branch and sat in the lobby while on hold to show the staff that how impossible it was to resolve my issue if that specific department was the only one who could help me. once I finally got a hold of the fraud department and presented to them, my government issued temporary driver 's license, my social security card and even offered my birth certificate I was rudely told that my documents were unacceptable and when I asked for someone of hire authority to speak to I was told that there was no one about the fraud and security departments and that no money was to leave my account until I had received the non temporary government issued driver 's license. it takes weeks and sometimes months to get an appointment with the Texas XXXX post covid. so I had already waited weeks
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to Midland Credit Management, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and would like for you to have a copy of this document as well. I would also like to initiate another dispute with you in efforts to finally remedy this situation once and for all. Midland Credit Management continues to falsely verify this account whenever I dispute this item with the XXXX XXXX XXXX, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. This company has stated to all parties, including myself, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete! According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Midland Credit Management has been reporting this inaccurate information for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as detailed the U.S. Code violations, yet somehow, you still allowed Midland Credit Management to report that the information was verified, which allowed this item to remain on my credit report. At this point, I pose the question ; Is Midland Credit Management above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter has also taken a significant toll on my health and livelihood, which I have detailed in the attached document. I have also enclosed the pdf version of my letter to this company, as well as my credit reports which display the obvious inaccuracies and inconsistencies this company is reporting, which they are falsely verifying as is accurate. This has to stop! Please see the attached documents.
Product: Credit card or prepaid card

American Express has failed to apply my benefits as a protected borrower under the Military Lending Act ( MLA ). 

I have called them several times and spoken many of their representatives both on their general help line, dedicated SCRA line, and Platinum Card line. In addition, I have attempted to chat with them on their website regarding the issue. Each time I have been told to utilize the SCRA application on their website however I am on XXXX XXXX and have a credit card account hence I am seeking MLA benefits not SCRA. The system detects I do not have a loan from Amex and tells me a few days later via an auto-response email that I am ineligible for SCRA protection. I told the representatives this on the phone and they instead chose twice to file the application themselves which only led to the same auto-response. 

Finally, on XX/XX/XXXX I had decided enough was enough and that I had grown tired of the same result from Amex representatives. I called the Platinum Line and told them I wouldnt hang up until this had been resolved. The representative said that MLA benefits should have been applied at the time of application and even went as far as questioning if I was sure I was on XXXX XXXX. Obviously MLA benefits were not applied at the time of application because I still have this {$550.00} fee on my account. Then, she said it wouldnt be possible for her or anyone else at American Express to apply the benefits afforded to me by law to my account since the system didnt detect I was in the military when I applied. 

There is no question on the application regarding current military service and duty status. Instead, to my understating the application relies on an auto response from a flawed government system solely based on your name, birthday, and SSN.

I asked her to at a minimum to delay the fee until I was able to sort this out and she said that would be impossible to do. I simply want the protections of the Military Lending Act applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Placed order XX/XX/XXXX with XXXX XXXX XXXX using XXXX at check out. 
Purchase Total XXXX XX/XX/XXXX - Received Product the week of XX/XX/XXXX Product was not as described Called XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX CA, XXXX, XXXX to request a refund and return the product I was given permission via phone to return the product Informed XXXX  online that product was being reurned XX/XX/XXXX - XXXX XXXX XXXX  received product and accepted XXXX via XXXX XX/XX/XXXX and ongoing : Harrassed from XXXX for payment for a product that I have returned. XXXX placed account into collections. Informed XXXX  and credit bureaus that item has been returned. Shown proof of return product with XXXX. Have made attempts with all parties to rectify the problem. Despite showing proof of refund all companies continue to fraudently state that money is still owed and continue to slander my name. 

XXXX Truth in Lending Disclosure ( Contract ) states that all returned goods proceeds goes directly to the loan holder on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM APPALED AT THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE. I NEVER SIGNED UP FOR XXXX. I AM A VICTIM OF IDENTITY THEFT. I AM ALSO APPALED AT THESE EXCESSIVE INQUIRIES ON MY CREDIT PROFILE. THESE ARE A VIOLATION OF MY RIGHTS. THESE FRAUDULENT ITEMS ARE ALSO A HINDERANCE FROM ME DOING IMPORTANT THINGS I NEED TO DO. THESE INQUIRIES AND FRAUDULENT ACCOUNTS APPEAR TO BE AN EFFORT TO HOLD MY CREDIT SCORE DOWN, SO THAT I AM CHARGED HIGHER INYTEREST RATES FOR ANYTHING I HAVE TO CREDIT QUALIFY FOR.
Product: Credit reporting or other personal consumer reports

I am challenging these accounts for being inaccurately reported on my credit file and requesting an investigation. According to the Fair Credit Report Act, I should receive {$1000.00} for each erroneous report. I know FCRA 605B requires us to report any inaccuracies in consumer reports.
Product: Checking or savings account

I opened a Kabbage by American Express checking account three months ago. I was using the account without issue, when suddenly they locked the account as a fraud preventative measure. The problem is that Customer Service is non-existent. I can not get anybody to pick up the phone ( after waiting on hold for over two hours ), respond to emails, or respond to secured messages from within the checking account interface. They appear to have ceased all communication with myself and many, many other people, judging from data points reported on the internet citing an identical experience : opened an account, used regularly without issues, sudden locking of the account, and a refusal to answer questions. 

The account also has money in it that I can not access or withdraw. They are holding my own cash hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to transunion with a ftc report stating that there are unauthorized inquiries on my credit report. Transunion has responded saying it appears it was from a credit repair company. I am not a credit repair company. I sent a letter and ftc report because I am a victim of identity theft. My information has been compromised. I was a part of the XXXX breach. I want these inquiries removed immediately. This is hindering my life and finances. I have attached a new ftc report and I demand these inquiries be removed immediately.
Product: Credit card

I was doing a lot of international travel this year and accidently made a double payment on my American Express Card. When I noticed my error I contacted American Express on XX/XX/year> to request a refund of the overpayment. I was informed that because of the size of the refund ( {$15000.00} ) that they could not wire me the money but had to issue a check. After several weeks of not receiving a check I again contacted American Express who informed that a check was issued on XX/XX/XXXX. After more weeks of not receiving a check I again contacted American Express who said they would issue a second check on XX/XX/XXXX. After more weeks of not receiving the first or second check I contacted American Express on XX/XX/XXXX. They informed me that they would wire the money to my XXXX XXXX XXXXXXXX account and it would be in my account in XXXX or XXXX business days. On the fourth business day of not receiving my money I called American Express. They informed me that they had problems with the routing information and issued a third check on XX/XX/XXXX. I have been waiting XXXX weeks for my refund. I do not have problems with mail theft. I do not believe American Express has mailed any checks.
Product: Credit reporting or other personal consumer reports

Each year I try and review my credit report. In this case I was checking it so I can purchase a house. I saw damages on my credit report and according to the 15 U.S.C 1681 law, there should not be any damages on my report. It is a defamation to my character.
Product: Credit reporting or other personal consumer reports

I have contacted each company on my XXXX XXXX XXXX bureau. There are inquires and accounts that don't belong to me. I was told by each bureau that the inquires/acct. that they were unable to remove to call the company directly. Each company advised me that I didn't have an account with them and unfortunately they could not supply me with a letter to verify. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs Bank Of America 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to CREDIT MANAGEMENT, XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CREDIT MANAGEMENT, XXXX, XXXX  AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 7 years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove an address that does not belong to me. It is fraudulent. 


Remove XXXX. XXXX XXXX XXXX SC XXXX
Product: Credit card or prepaid card

Capital one is saying denying my credit line increase by saying there is legal action against me. This claim is false, I do not have any lawsuits against me or any pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information Personal Statement Accounts Affected by the XXXX XXXX XXXX XXXX XXXX XXXX FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Theft Company or Organization : Total fraudulent amount : {$0.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Under penalty of perjury , I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/ Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information in my credit report provided by XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the unauthorized telecommunications account listed below : 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 I have never applied for or authorized the opening of this XXXX  account. To be clear, I have not signed any documents or submitted any applications for this account. Therefore, I am requesting documented proof of the signature associated with this account. This proof should include, but is not limited to : - A signed application form - A copy of the original contract or agreement - Any other documentation that bears my signature, including information on the phone lines associated with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$0.00}, {$0.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Checking or savings account

On XXXX XXXX, I was alerted by MoneyLion, my bank, that I had a transaction declined because their system detected a series of fraudulent charges. There were six charges made at a XXXX in XXXX, New York ( I live in Florida and have never been to New York. ) One of the charges was declined, but my bank processed the other five transactions : Charge XXXX : XX/XX/2023 -- {$200.00} Charge XXXX : XX/XX/2023 -- {$250.00} Charge XXXX : XX/XX/2023 -- {$400.00} Charge XXXX : XX/XX/2023 -- {$110.00} Charge XXXX : XX/XX/2023 -- {$250.00} As soon as I saw my bank notify me of the sixth fraudulent charge, which was made at the same place on the same date in the amount of {$220.00}, I froze and canceled my debit card. When I called my bank, I was told there was nothing they could do until the charge was processed. 

I waited for the charges to be processed and then filed a dispute on XX/XX/2023 and sent a statement of fraud to MoneyLion. 

On XXXX XXXX, I was sent an email stating that they had reviewed my case and it was determined that : " The transaction ( s ) were completed by the authorized user. You are solely responsible for the use of your account. This includes all charges and transactions made by an authorized user and any fees resulting from their actions. '' I contacted them again to reopen the dispute and sent them several pieces of evidence : 1. My transaction history of the date in question that showed other transactions I made in Florida. 
XXXX. My travel history via XXXX. 
XXXX. A screenshot of the bank -- itself -- alerting me to the fraudulent charges. 
XXXX. A paystub showing that I was at work and paid full-time wages at the time the charges were made. 

I have yet to hear back from my bank.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$40.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} ; US DEPT ED XXXX Balance Owed : {$1900.00} ; US DEPT ED XXXX Balance Owed : {$1100.00} ; US DEPT ED XXXX Balance Owed : {$3200.00} ; US DEPT ED XXXX Balance Owed : {$4100.00}.
Product: Checking or savings account

On  XXXX / XXXX /  XXXX   around  XXXX  i went to the Chase in branch ATM to withdraw {$2500.00} from my checking account to purchase my daughter 's first vehicle. I selected the money to be dispensed as {$1800.00} is {$100.00} bills and the rest in {$20.00} 's, {$10.00} 's & {$5.00} 's. The ATM dispenser opened with a large stack of money. I grabbed half of the bills and when I reached to get the other half the dispenser closed. I received a receipt stating " We could n't dispense your cash. There were technical difficulties, and your transaction was not completed successfully. '' I spoke with a Chase branch staff who advised all ATM 's are separate entities from the branch and unneeded to file a claim with Customer Service. I have filed and appeal the claim twice. Chase claim they have proof the ATM I used is not over {$700.00} in cash and they can not refund me the money. At the time of the initial claim I received a temporary {$700.00} credit while the claim was processed. The claim was denied as invalid and the {$700.00} credit has been reversed from my account which caused  two additional {$34.00} NSF fees in my account as the account went on negative balance for the credit reversal. I insisted and persisted on the phone with Chase  and the refuse to escalate the matter to review or investigation.