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

Case Id from US Bank Card Member Services XXXX On XX/XX/year>XXXX XXXX XXXX  made an unauthorized withdrawal of XXXX from my checking account using a debit card. 

This started when I signed into XXXX XXXX. The screen looked exactly like XXXX XXXX except the screen said my account was on hold and to call a specific telephone number, which I did. The person I then spoke to spoke perfect English. He asked me whether I made recent purchases in XXXX XXXX XXXX XXXX. I said definitely not. 
This person then offered to help me to get my money back and to stop it from happening again. I fell for it totally. 

He got me to open and transfer to a XXXX XXXX account {$1100.00} which his computer would recognize and the amount would not be taken from my checking account. I fell for it. 
Later I contacted my bank, US Bank in XXXX XXXX Missouri within minutes of the call. I spoke to someone in the fraud department. They promised to help me, however they did not. 
I made several calls to the US bank fraud department. The case was escalated. At each level they said they did not have the authority to make a decision. Eventually the case went to a " supervisor '' Now all through all these calls, I could never speak to the same person. Each call went to a phone back. And I had to start over to explain what happened. And for each call I asked for the documentation to indicated to the bank I made the transaction voluntarily and received benefit. 
They explained the benefit I received was my name, phone number, address, birthdate, and social security number. I tried to explain this was not a benefit and the information is readily available on the Dark Web. 

I never received the document they spoke of ever though I requested it several times. They promised several times to send it top me. 

So at this time XX/XX/year> I am out {$1100.00} and the bank says the case is closed. I have not received the document the bank received from XXXX XXXX. 
The Case Processor at US Bank is XXXX and the number is XXXX. They are staffed 24 hours per day, 7 days a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$240.00} ; XXXXXXXX  XXXX Balance : {$75.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # A XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I submitted disputes for XXXX XXXX Account number XXXX, along with copies of court orders completely nullifying this debt, a full satisfaction, release of liability fully releasing me of obligation, and exonerating. Yet despite this debt being completely nullified per court order, it is still being reported negatively, and XXXX XXXX and XXXX are in violation of said court order. 
Please see copies of previously provided notices and documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit status deems me as " XXXX ''
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 process was unfair and deceptive, as they did not comply with error resolution requirement
s 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 card

Dear Madam, or Sirs On XX/XX/XXXX there has been a fraudulent charge on my Chase/Amazon credit card with XXXX  at XXXX ( XXXX ) XXXX, Also on this statement XX/XX/XXXX XXXX XXXX XXXXXXXX x XXXX ( XXXX XXXX ) The charges initially for the amount {$750.00}. I called chase from the number on the credit card and filed a complaint on card XXXX. Chase did replace my card, that I received within a week, Also those charges had been dropped. On my XX/XX/XXXX statement XXXX had credit my new card in the amount {$740.00}. 
I do not understand why XXXX  credit my old account first, dropped the charges, and then my new account which is showing that I'm again responsible for these charges. I can't get any satisfaction from Chase Support, And I'm getting more and more frustrated because I don't see any results for my protection. There must be a way to track down this fraudulent purchase thru the state from which it was ordered, and or IP Address from the internet source. Because it sure was not me who made this order, and I don't have a clue as to were the destination of those tickets was for.
Product: Credit reporting, credit repair services, or other personal consumer reports

saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX | DOB : XX/XX/XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract as well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on itas well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 




I demand the following accounts be verified or removed immediately : Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit reporting agency is reporting that I owe {$170000.00} for XXXX XXXX. The balance that Equifax is reporting is incorrect. The balance for XXXX XXXX  should be reflecting {$93000.00}. Please investigate Equifax for reporting the wrong credit information for XXXX XXXX. Please update my credit report and credit score.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS STOLEN AND ACCOUNTS OPENED IN MY NAME I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO REMOVE THEM
Product: Checking or savings account

I am a XXXX XXXX XXXX and opened a Checking Account with Chase XXXX XXXX. My personal Checking Account is with XXXX XXXX. On approximately XX/XX/2020, I used the Chase Bank Online Banking System to apply to have my XXXX XXXX Checking Account approved for External Transfer. I was subsequently notified of the approval. On XX/XX/2020 I attempted to transfer funds in the amount of {$2500.00} from Chase Bank to XXXX XXXX on the Chase Bank Online Banking System. I received a message on the Online Banking System that they needed to verify my identity with a code. After several attempts to obtain the code online, I called Chase XXXX XXXX Customer Support. The customer service agent provided me with a code to verify my identity ; however there was no place on the Chase Online System to enter it. The customer service agent told me that she was able to verify my identity and I thought it was solved. I received email messages from Chase Bank that my transfer attempts were rejected. On Friday XX/XX/2020, I visited the Chase Branch on XXXX XXXX in XXXX, WA. I met with a Banker who confirmed for me that the transaction was blocked by the fraud detection department at Chase. He called customer service with me sitting in front of him and verified my identity multiple ways. I heard him tell the customer service representative what had happened and heard the banker instruct the customer service representative to initiate a real time transfer of funds in the amount of {$2500.00} to my XXXX XXXX Checking Account. At approximately XXXX on Friday XX/XX/2020 I checked both of my bank accounts and noticed that the funds had not been debited by Chase and had not been received by XXXX XXXX XXXX I called Chase Bank Customer Service at that time, explained what was happening, and he told me that my attempted transfer was blocked by fraud detection and transferred me to the fraud detection department. A representative from Chase Bank Fraud Detection Department again verified my identity and assured me that the funds would be in my account by Monday, XX/XX/2020. To be clear, that is 6 days following my initial attempt to transfer funds. 

As of XX/XX/2020 the funds have now been withdrawn from my Chase Account ; however not deposited in my XXXX XXXX Account. I called customer service and both times they advised that the transaction was blocked by fraud detection. When I asked to speak with a supervisor/manager on both occasions - the representative terminated the call. I called the Chase Bank Branch that I visited on XX/XX/2020 at approximately XXXX, requesting to speak with the branch manager. I was told he was not available and would call me. I haven't heard from him. I know that my XXXX is small and this is not a large transaction, nor does my XXXX  add much to the bank 's revenue. I am beyond frustrated at this point and would certainly appreciate any help.
Product: Credit reporting or other personal consumer reports

A couple years ago I ended up having some medical debt put to collections by Bonneville Collections. I was recently hit by a car and had to have XXXX. Again the medical bills went to collections for that account. Boneville called my lawyers asking to speak with me about my previous debt. This was on XX/XX/2023. It was my understanding under the FDCPA they were only allowed to talk to myself or my spouse about my debt? They are trying to talk to my current lawyers on my car accident case about debt from 3 years ago.
Product: Debt collection

Tek Collect placed a collection account on my credit report that does not belong to me and was not verified. I have never entered into a contract with Tek Collection or any affiliated parties. Tek I.D number is XXXX. I requested validation of this debt by requesting the original contract and Tek Collect sent me a document that was a proposed treatment plan from a 3rd party that clearly states " This is not a contract to buy ''. I have made Tek Collect aware that they did not provide the requested information and demand this collection account be removed at once. The proposed treatment plan is attached.
Product: Debt collection

I was first notified by Sequium Asset Solutions , LLC saying I had an open balance with XXXX for {$470.00}. They assigned me an account # XXXX. 
The account was opened by them on XX/XX/20. They contacted me 2 times in XXXX  and I told them on both calls I was disputing the claim because I had no balance with XXXX. 
I began getting bills from Sequium in XXXX. Reference #  XXXX, for the amount of {$470.00}. 
I have sent Sequium 2 letters, the first letter was sent XX/XX/2020 the second letter was sent on XX/XX/2020.

Both letters asked for validadation of debt and giving them a formal notice that this claim was being disputed. The letters were sent certified mail with returned signature. 
I got no futher calls or correspondence, and the account is now in collections and adversely effecting my credit. 
The amount owed is different.
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with Experian. I let them know these accounts were not being reported accurately. According to the IRS when an account is charged-off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099 ( Cancellation of Debt ) from Experian in regards to the following charged-off account listed below. These accounts can no longer be reported to my credit report. Not only does this violate my rights for the FCRA, this is also tax fraud on Experians part. The accounts listed below need to be immediately removed from my credit report as they are reported inaccurately. 

I recently looked at an updated copy of my credit report and noticed several inaccuracies on the accounts I disputed. These accounts are hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking to be verified for accuracy : Account Name : 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 have inaccuracies that are highly injurious to my credit score. In accordance to The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I am requesting the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation. 

Also, these accounts were charged off on the listed dates above. Since then the accounts have repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should not include an active payment history according to the FCRA. This inaccurate information falsely manipulates the statute of limitations. Failure to investigate this account properly after I requested 2 times for it to be corrected and updated has violated my rights according to the FCRA. Therefore, I am demanding these accounts to be deleted from my credit report.
Product: Money transfer, virtual currency, or money service

Around XX/XX/XXXX I was unexpectedly locked out of my Coinbase account without warning or a reason given. I contacted customer support about the issue and they replied that they had a specialist working  on the issue. I waited patiently for the issue to be resolved, but I didnt hear anything from Coinbase. Almost 3 weeks I have been locked out. I contacted customer support since then close to 10 times, and each time they tell me a specialist is working on it. They asked me to take 2 surveys about my account. I did everything the have asked. Even customer service keeps saying that it shouldnt take this long, but there is nothing they can do. I have almost XXXX worth of coins in the account and its all locked up. Meanwhile my bills are piling up. I have read that this has happened to many other people being locked out of their accounts for no apparent reason for months.
Product: Checking or savings account

Robinhood completely restricted my account and access to do anything My funds are held hostage I have no way to transfer any money or do anything at all They are not being helpful I need resolution now
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent activity is on this account, charges wasnt mine, remove this account from my profile, its not accurate and violate my rights
Product: Credit reporting or other personal consumer reports

I was an XXXX  user on the card but I never knew I was, nor did I have access to make payments.
Product: Vehicle loan or lease

On XX/XX/XXXX, I made the initial call to Ally Financial to get a Lien Release letter sent to the XXXX XXXX XXXX office. I am a former customer and my car has been paid off. I needed this information as soon as possible. I gave my information to the agent and was told that it will be three business days. I called back XXXX XXXX to find out what the issue was and yet again, had to give my information all over again only to be told that it will be another 3 business days to hear back and 7-10 before I receive the letter in the mail. This time, they stated that it was VIN number issue. I repeated clearly the VIN number. Ally had my number and knew I had made a few calls regarding this, why didn't anyone call back if the agent didn't understand me. I waited because I was told that this was going to be done, but I hadn't received any information. I called again on XX/XX/XXXX, and the agent assured me that it was going to be filed and mailed out to me. Again, I waited but nothing has been mailed or faxed over to the XXXX XXXX clerks office. I called XX/XX/XXXX, and I asked for a manager. The agent wouldn't transfer me over. I gave the reference number that I was given each and every time an agent so they could find my request. I have at least 4 references numbers and have been transferred to numerous departments that are unable to help me due to a hold up in 1 particular department. I have been respectable and patient but I must handle the other business and can't get it done due to Ally Financial. 
1st Reference # XXXX, XXXX These are all the references numbers I have been given, yet I haven't received a letter or fax yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate information that has bee n discharged a nd no longer can report on my credit file. The other  XXXX  bureaus has removed the items, Equifax continues to report the information after sending each bureau the exact same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These bankruptcy accounts are obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested numerous amounts of times! So how did your properly verify this, if all this is wrong? I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset # XXXX # XXXX XXXX # XXXX Accounts are included in these bankruptcies as well XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX  / XXXX - XXXX Closing dates are XX/XX/2020 so how is that even right why is it still there!.
Product: Debt collection

This account is illegally reporting on my credit report. It goes against Indiana state law and federal " No Surprise Act. '' I do not owe on this fictitious account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate the credit agencies needed proof of my identity and did not state that they received them by mail. The documents are include in this complaint so they can not say that they did not receive them Experian and XXXX XXXX payment amount for child support reported by XXXX and Experian is incorrect and according to FCRA should be corrected and updated. I have documented proof but XXXX and Experian is not acknowledging the uploaded documents online. XXXX and Experian is stating that my monthly scheduled child support payments is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payments and XXXX and Experian refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving EXPERIAN AND XXXX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at XXXX and Experian even though they used to show the correct amount on my credit report
Product: Vehicle loan or lease

On XX/XX/2022, I applied for a private party auto loan with XXXX XXXX XXXXBB & T dba Lightstream ) for {$15000.00}. I submitted my personal credit profile ( including SSN ), info about my income, etc. so that they can evaluate me for a used auto loan. 

They denied me although my credit is strong, I have no negatives, no collections and very strong income ( $ XXXX ). 

When I went to ask them why they denied me, they said that it is an unsecured loan ( meaning higher risk ) and that they couldn't approve me for the unsecured loan. 

If I wanted an unsecured personal loan, we live in the U.S.A. ( there's something for EVERYONE! ), I would have made that query. 

I have XXXX too. 

My query was for a SECURED private party used auto loan. Why does their website call it an auto loan when it's actually unsecured? 

They say it's unsecured so they can view things as higher risk ( and justify their terrible decisions ), but that's absolutely misleading. 

I would have never submitted any information to these people if I knew their tricks & deception. 

After speaking with their 'manager ' XXXX XXXX XXXX I was eventually hung up on. They don't provide their last names, I had to ask several times to be transferred to a manager. 

Terrible customer service, liars, misleading, worthless company that doesn't help anyone. They get a bunch of personal information from people only to deny them. 

They've hurt my credit with the denial. I have strong income, ( had ) strong credit until they got a hold of my information and made it go down almost 100 points overnight and the car would have secured the loan, making it lower risk, had they been promoting themselves the proper way. 

I would love to know their real purpose for existing. Probably stealing people 's identities with all the personal data they collect, just to deny them. 

Absolute waste of time & energy.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX account removed from your ^ file Between XX/XX/2024 and XXXX XXXX XXXX your credit card account with XXXX, XXXX was removed from your credit report. 
Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors.

This credit card company was supposed to be removed from my credit reports, but it continuously shows up and hurts my credit score tremendously. And this company also lie about the amount of credit they give me, giving me only {$280.00} yo reporting on my credit report XXXX to XXXX sometimes. Please help me deal with this matter and remove this account permanently.