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

Yesterday at approximately XXXX PM EST in XXXX MD, someone used a fake PayPal debit card ( mine was in my wallet ) along with my PIN and made XXXX unauthorized ATM withdrawals from my account for {$44.00} each. XXXXncluding ATM fees, each of the XXXX transactions came to {$46.00} for a total of XXXX. 

Upon the XXXX attempt, PayPal sent the following text : " PayPal : A {$44.00} USD purchase with card XXXX at XXXX was declined. To retry this purchase, reply YES. To lock this card, reply NO. Text STOP to turn off texts for this card. '' After receiving the text I replied " no '' which locked the card, but the money had already been taken. 

When I disputed the XXXX transactions with PayPal, they responded ( within XXXX hours ) with the follow message in email for all 3 transactions : " We received the case ( XXXX ) you filed on XX/XX/2022. We have reviewed this transaction ( s ) and are denying your case ( XXXX ). If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal Debit Card Department Attn : Dispute Resolution XXXX XXXX XXXX XXXX, NE XXXX United States XXXX XXXX I will formally request this " investigation '' information but it's obvious that PayPal has no intention of protecting me against fraud ( for {$130.00} ) and based on what I'm reading, anything over {$50.00} is illegal, so I would like someone to hold them accountable.
Product: Debt collection

Good day, In XXXX of XXXX I found that the Franklin Collection Service , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MS XXXX, had placed on my credit a notice of collection from XXXX XXXX XXXX for a debt of {$73.00} that is not mine. I contacted them immediately as soon as I found out about the collection attempt. Basically, they are requiring me to prove that the debt is not mine. 

To date, they have refused to remove this erroneous collection attempt from my credit record. What follows is a recent email that I sent to them : '' To Whom It May Concern, On Saturday I received from Franklin Collection Service , Inc. a copy of an XXXX invoice dated XXXX XXXX for an address in XXXX XXXX, Michigan with my name ( or another XXXX XXXX ) on the invoice. Know that I have lived at my current address in XXXX, Michigan for THREE YEARS beginning in XXXX of XXXX. My current address is XXXX hours from XXXX XXXX, Michigan. 

Prior to that I lived in XXXX, Michigan from XXXX XXXX to XXXX of XXXX. Prior to that I lived in the XXXX, Michigan area all of my life. I have never lived in XXXX XXXX, Michigan or even in XXXX XXXX, nor have I owned or rented property there. Clearly someone has used my name to initiate service at an address that I know nothing about. I have never requested service there, signed anything asking for service there or given anyone my permission to do so. 

Unless you are able to produce documentation showing that I initiated service at this address in XXXX XXXX, Michigan you are obligated under the Fair Credit Reporting Act to remove the derogatory information that you have erroneously placed in my credit file. My next act will be to file a complaint with the Federal Trade Commission. 

Thank you in advance for your prompt attention in this matter. Please respond to me within XXXX hours indicating how you wish to proceed. If I hear nothing by the end of the week I will file my complaint. " At this point I am frustrated as I am also attempting to secure a mortgage and this issue is causing significant problems.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) CoMMUnication WitH tHe conSUMeR XXXX Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) XXXX XXXX If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

( Pub. L. 90321, title VIII, 806, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877. ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists pursuant to 18 USC 8, L owe no debt, this company is viola
tion my consumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814 .
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I discovered several fraudulent accounts and inquiries on my TransUnion credit report. These included 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I did not open, make, or initiate these accounts, collections, or hard inquiries. All are the result of identity theft and fraud. 
I filed several disputes with TransUnion, providing detailed information and supporting documents, including a copy of my FTC Identity Theft Criminal Complaint # [ see above ] as proof that these accounts and inquiries were fraudulent. Despite this, TransUnion responded by stating that the items were " verified '' and did not remove them from my credit report. 
This response is unacceptable, as the credit reporting agencies did not contact the Federal Trade Commission ( FTC ) to verify the underlying facts alleged in my identity theft affidavit. I request that TransUnion, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block all the fraudulent accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within 4 business days of receiving this complaint. 
Thank you for your prompt attention to this matter.
Product: Credit card

Someone stole money from my account. It made is XXXX I had some money in my account then this ather amount came through making it to be negative. So they took what was in my account and left a remaining negative balance of XXXX XXXX dollars and some change. So then a few days letter cash app gives me a credit of XXXX dollars and took that money and made my account positive. Now Cash app for the XXXX from. XXXX bank account. So then that 2 amounts added together equal XXXX. So that is 1 the credit that cash app gave then took cause my account was negative, then they got the money from XXXX  bank account bank account. So cash app was supposed to split that up. XXXX goes to my bank account and the remaining XXXX goes back to them. Bit that didn't happen they kept both amounts. I've looked at my statements and there is nothing showing the gave me what they took from krogers bank account. Plz help me get my money back, cash app thanks they can just steal ppl money. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

I have a medical collection account placed on my credit report by Aargon Agency. They claim the original creditor is XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and I was informed that they did not send anything to collections with Aargon Agency. I was informed to submit this complaint, and dispute directly with the collection agency. Well I attempted to make contact with this collection agency and and was never able to get anyone on the phone. I then sent a certified dispute letter per my attorney and the mail came back unable to deliver. The address is an address that is reporting under the creditor information. This medical debt does not belong to me and the original creditor states they DID NOT place a collection with this company. I'm unsure of what kind of company this is because I can't seem to get anyone to explain this collection to me and why it's being reported on my credit file.
Product: Credit card or prepaid card

In XX/XX/2018 I opened an account with capital one for XXXX in credit and went up to XXXX in credit. Unfortunately, I am recently unemployed due to medical issues of a dependent. The current balance is XXXX. Since having little to no income I am not able to make payment. Capital One will not put me on a program so they stop reporting until i get an income. My son is having medical issues and i need to be unemployed until healthy again.
Product: Debt collection

your company has broken the law, they have furnsihed my information without my consent I am cease and desisting all illegal activity as they have violated 15 usc 1692c I am well aware of my rights as a consumer and I am ceasing all mediums of communication and that includes that through my consumer report or any other tactic to attempt to collect information, If my case is not taken serious I will hold all parties involved civilly liable in pursuant to 15 usc 1692k as they have caused mental distress and marital instability with me and my partner, I demand a deletion of these accounts From my consumer report at once.
Product: Checking or savings account

On XX/XX/XXXX sent, via XXXX , usd {$5000.00} to XXXX XXXX ( Ph. XXXX ) BoA Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX as a deposit for Balsa Wood that she was going to send to my customer. 
On XXXX XXXX ' XXXX sent, via XXXX, usd {$1200.00} to complete the 50 % of her Pro-Forma Invoice, as agreed. 
Despite numerous phone calls, XX/XX/XXXXmessages, up until today I have not receive either the money back or my customer the Balsa Wood. 
On XXXX. XXXX ' XXXX I made, with the XXXXSD ( XXXX XXXX Sheriff Department ), a formal complaint # XXXX On XXXX XXXX XXXX made a fraud complaint with XXXX ( BofA ), No. XXXX
Product: Debt collection

Lady from port folio recovery services called and disclosed a debt from XXXX XXXX that they are collecting for they told the person of the account details and they are not authorized on the account to recieve info. The used XXXX to locate numbers of references and near bys to locate and disclose information.
Product: Credit card

XXXX accounts opened with the same bank XXXX bank * TD BANK NA Account # XXXX Date opened : XXXX XXXX, XXXX Balance : {$17000.00} FRAUDULENT NOT MINE / * TD BANK NA Account # XXXX Date opened : XX/XX/XXXX Balance : {$4800.00} FRAUDULENT NOT MINE / * TD BANK XXXX Account Number : XXXX Date opened : XX/XX/XXXX Balance : {$950.00} FRAUDULENT NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my report is not correct and i would like to have it removed. I have attached the following documents to assist them.
Product: Credit reporting or other personal consumer reports

I was stunned to see inaccurate accounts appear on my credit report this morning, and I cant figure out why. I routinely check my report, but this time, unexpected discrepancies caught me completely off guard. I even refreshed my browser, hoping it was a technical glitch, but the errors remained. This has left me deeply unsettled, and I urgently ask that the documents Ive submitted be reviewed carefully so I can finally feel at ease.
Product: Checking or savings account

Subject : Formal Dispute of Funds Withdrawal Due to Stop Payment on Cashed Check To whom it may concern, I am writing to formally dispute the withdrawal of funds from my account related to a check I cashed at Wells Fargo. I believe Wells Fargo should take responsibility for processing the check despite a stop payment order placed on it. 

On XX/XX/scrub>XXXX XXXX I received a check from XXXX XXXX, which I cashed at a Wells Fargo branch. However, on XX/XX/XXXX, I received an email notifying me that a stop payment had been placed on the check. Upon contacting the issuer, I was informed that the stop payment request was made on XX/XX/XXXX, prior to my receipt and cashing of the check. 

Following this, I engaged in multiple discussions with the Wells Fargo branch to understand how the check could have been cashed despite the stop payment order. The final response I received from Wells Fargo was that the bank does not have visibility into stop payments until after a check has been cashed. Consequently, Wells Fargo later withdrew the funds from my account to cover the stopped check. 

I firmly dispute this action. It is unreasonable to hold me responsible for a check that Wells Fargo accepted and processed when I had no knowledge of the stop payment. As a customer, I should not bear the financial burden of an issue that falls within the bank 's responsibility. Therefore, I request that the deducted funds be reinstated to my account immediately. Additionally, I ask for a formal explanation of Wells Fargos policies on cashing checks with stop payments and why this occurred. 

Please feel free to contact me at XXXX or XXXX if further information is required. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I couldn't link my bank account with XXXX, back around XXXX or XXXX of 2020. Because of this, I can't use that app, which is to help save money, in a very smart way. I called PNC & was, in so many words, told " too bad ''. Now it's XX/XX/2020, & I've been using XXXX XXXX XXXX, with whom I also have their secured credit card, and PNC won't let me link my bank account with them either, so to pay on my credit card. Instead, I'm forced to use my debit/bank card & I have to pay a fee, every single time I need/want to pay on that credit card. It's total XXXX. They can say they're trying to keep their customers personal info secure but I'm not XXXX ... .I know it's just so they can make more money. All financial institutions are in kahoots & they're all a bunch of greedy XXXX. Unfortunately, these financial institutions are also a necessary evil & there's no way around having to deal with them & it XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX keeps reporting an address in my bank accounts and on my credit reports that is incorrect. I have put fraud alerts on my credit agencies twice already, but XXXX XXXX continues to report an address that I have never been associated with before, and it shows up on my bank statements and on my credit reports. I don't know how they are getting this information, but it will not stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the company 3 times ( 2 times by email ( XX/XX/XXXX & XX/XX/XXXX ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail onXX/XX/XXXX regarding a derogatory/collections item that I discovered on my credit report.
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This refers to my XXXX  account # XXXX loan date XX/XX/XXXX, 23 month term, that I believed, and also had received email confirmation that this was paid off on XX/XX/XXXX.
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My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for XXXX off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report.
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This loan was paid off as of XX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until XXXX or XX/XX/XXXX. I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history.
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After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.
Product: Consumer Loan

My Auto Lease payment was due on XX/XX/2017. I made my payment early on XX/XX/2017 Credit Card Payments that is used with GM Financial online payment option was XXXX via GM Financial online system when I log into my account. The Payment Option Link for XXXX. When I click on the link from there website It ask me to enter the Bill Payer, I entered GM Financial and a drop down came up to select GM Financial Leasing ( I have a lease ). I continue to enter my payment amount {$560.00} and XXXX XXXX confirms the payment and I paid same day service 2-4 hours fee of {$44.00} ( Total Transaction including my lease payment and XXXX XXXX fee {$610.00} ). After I get my payment conformation via XXXX XXXX Tracking number ( MTCN ) : XXXX. I email GM Financial right away asking them if the received my payment. I then receive an email from GM Financial 2 days later telling me that the payment has not posted. At this point I am very concerned because I always pay my balance on time and before the due date and somehow this payment is taking forever to apply to my account. I check my Credit card with my Financial Institution and the charge had already posted to my Credit Card I used on the same day. I contacted GM Financial several times to ask what is going on with my payment, my bank acct is drafted and payment is confirmed with XXXX XXXX, what is taking so long to post my payment to my account. I spoke to several managers and one Manager XXXX looked into research with the payment processing department and found the payment was made. I was told that the payment would be posted to my account at XXXX. Low and behold my payment was not posted the next day. I called GM Financial several times on the next day and was told they found my payment but somehow it was routed to another department and they are forwarding my payment to my account, and this time it will post in 24 hours, at this point its 5-6 days later. Today XX/XX/2017 I check my online account and I still see payment has still not posted. My Credit card has a posted charge deducted for the payment and XXXX XXXX has confirmed the payment on same date XX/XX/2017 and GM Financial has confirmed the payment and still they have not applied my payment to my account, causing me account delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a fraudulent account with Equifax 3 times regarding the removal of a fraudulent account regarding  XXXX   XXXX . I received a letter dated   XXXX     from Equifax stating that   XXXX   XXXX   verified the account. I called   XXXX   XXXX   and was told there was no correspondence from Equifax. I called Equifax today  [   XXXX / XXXX /  XXXX    ]  back and they told me to tell  XXXX   XXXX  to contact their business line then they told me the account was still pending. If it is still pending then how did I receive a letter stating it came back verified?! Equifax is not fully investigating this account as they said they would. I 've sent in police reports and Equifax is still refusing to properly investigate AND delete this account! I 've also sent in proof regarding  XXXX   XXXX   XXXX  had me under an account with an address I 've never lived at and a name that is not mine and Equifax is still neglecting to delete this account with PROOF of inaccurate info. I need for someone to help me resolve this issue ASAP as I 've been fighting these two accounts for over a year! They are the ONLY ones that are giving me a hard time.  XXXX  and   XXXX   are properly investigating and deleting these accounts.