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

On XX/XX/24, several charges originating in XXXX were attempted on my debit card. I had less than {$5.00} in my account, so most were denied, but the fraudsters kept trying smaller and smaller amounts and got chargers for {$0.00} ( XXXX ) and {$1.00} ( XXXX ) to go through. I contacted the bank to let them know these were fraudulent at XXXX XXXX  on XX/XX/24 and they said they would have to wait for the charges to settle before they could be disputed, but they would send me a new card. 

On XX/XX/24 ( overnight ) more fraudulent charges from XXXX hit my account, but this time there were funds available. Charges for {$0.00}, {$12.00}, {$420.00}, {$12.00}, and {$3.00} hit my account. 

I contacted the bank when I woke up ( approximately XXXX XXXX  ) and they were unhelpful, didn't take any ownership of the fact that a XXXX round of fraud was allowed, and told me it would take up to 90 days for me to get my money back. They kept quoting scripted responses and would not let me talk to a supervisor. Then, around XXXX XXXX, I called and spoke to someone who argued with me on whether or not other banks give provisional credits in this situation ( which I know they do ), wouldn't let me talk to a supervisor, and ( the best part ) told me my card STILL WASN'T CANCELLED. So if there was still money in my account ( I had transferred it all out when I saw the XXXX wave of fraud ) the fraudsters would have been able to continue making charges, even though I had already contacted my bank XXXX! The bank had also charged me {$25.00} for expedited shipping of a new card on XXXX, so I was of course under the impression that the card had been cancelled at that point. They have since refunded the {$25.00}, but I had to fight for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I sent out a certified letter which was an inquiry letter about items being on my report that are not authorize. they sent me a letter stating that the items were factual and they remained on my report however Im a victim of Equifax breach as well as I sent in a FTC report regarding fraud gave them the report number as well they sent back me A generated letter saying that the items were factual. if Im a victim of Equifax breach an my information is linked as well as Im sending you a report of Unauthorized inquiries on my account and unathurized use of items on my credit how is it factual. Theyve done this to me several times in attempt to removing these inquiries off my account and the items I listed in the attachment. Perfect example XX/XX/XXXX I disputed items once again the same items Ive been disputing in on XX/XX/XXXX that Dispute was completed the same day and I called about XXXX so how are you looking into the matter if it takes you less than three hours to complete an investigation then send me a report two days later XX/XX/XXXX that the investigation is complete.This shows me that Equifax is failing to be concerned with my credit report as I am and continue to issue generated responses to this serious matter that I believe is very serious on my report. I have fraud alert and security freezes with all 3 credit reporting agencies after this breach with Equifax and the glitch with XXXX  Another issue is XXXX  shows they sent them documentation of removal of late payments due to hurricane Irma from XX/XX/XXXX through XX/XX/XXXX the items were removed from all three agencies. A few day after Equifax XXXX   and XXXX re-inserted the items again ( without a 5day notice ) now this has been a problem because Im unable to Receive much-needed credit and high interested rates and denied credit do to these bad inaccuracies they are costing me more money by the day and are hindering me the letter the company sent them is also insert it in the attachments.
Product: Debt collection

I received an invoice from a collection agency, Arbor Professional Solutions,  dated XX/XX/XXXX ( See Attachment ). 

On XX/XX/XXXX, I wrote a letter disputing the debt to Arbor Professional Solutions and requested the original medical invoice for the alleged debt. ( See Attachment ) Arbor Professional Solutions submitted an invoice for the alleged debt per my written request. Their letter that accompanied the invoice was dated XX/XX/XXXX but I did not receive this letter until XX/XX/XXXX. ( See Attachment ) On XX/XX/XXXX, I contacted XXXX, a business that has all of my medical loans and inquired as to whether it had included this invoice in a previous loan. They said it had not. 

On XX/XX/XXXX, I contacted the original medical service provider, XXXX XXXX, XXXX XXXX XXXX, XXXX, Michigan, XXXX-XXXX, ( XXXX ) XXXX, and spoke to XXXX, a billing staff member at said facility. After a review of the account history, I was informed that I had paid a separate company, XXXX, for my service invoice on XX/XX/XXXX. XXXX then informed me that she would call Arbor Professional Solutions that same day, XX/XX/XXXX, to correct the error. 

After a review of my prior paid medical bills, I did pay the invoice at issue to XXXX on XX/XX/XXXX. I am requesting proof of said payment from XXXX XXXX XXXX XXXX which is the card to which this payment was made. Unfortunately, XXXX online credit card statements only go back to XXXX. 

On XX/XX/XXXX, Arbor Professional Solutions reported the alleged debt amount of {$510.00} that was already paid to another company, XXXX, to XXXX XXXX XXXX while the debt remain disputed and without further investigation regarding this disputed debt ; this action by Arbor Professional Solutions was done in the middle of the COVID-19 quarantine in Michigan. Their action immediately caused my credit score to drop 35 points and I have evidence for this reason for the drop in my credit score. I have already been financially harmed from the COVID-19 quarantine and I now worry about losing credit availability to pay bills until my law practice is again fully functional. This was caused by Arbor Professional Solutions ' unlawful collection action. 

Arbor Professional Solutions violated the Fair Credit Reporting Act for reporting a disputed debt to a credit reporting agency and failing to report that the alleged debt was disputed when doing so, and for failure to investigate my written dispute before reporting the alleged medical debt to a credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus 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 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 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I reached out to the loan company, Koalafi on XXXX, and XX/XX/XXXX regarding a fraudulent account opened using my personal information. I have no affiliation with this account or the funds received. Koalafi will not investigate or close this account and I am being held responsible to make payments. This account is now showing up on my credit report which is how I became aware of the fraud. I noticed the account on my credit report on XX/XX/XXXX and immediately emailed Koalfi that night, and have followed up with phone calls on XX/XX/XXXX and XX/XX/XXXX. Please help.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL AUTO LENDERS, for committing identity theft. I have never given NATIONAL AUTO LENDERS, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with NATIONAL AUTO LENDERS and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving NATIONAL AUTO LENDERS any right to collect on this alleged debt.

I have never received any documentation requesting validation from NATIONAL AUTO LENDERS, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL AUTO LENDERS, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL AUTO LENDERS, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL AUTO LENDERS, continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL AUTO LENDERS, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these ITEMS 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 ITEMS need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00}
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 XXXX & was unfair and deceptive, as they did not comply with XXXX resslution requirements under the Eleetronie Fund Fransfer Act ( EFTA ) and Regulation E : These actions have gaused sitant inconvenience and financial loss ; and I seek appropriate redress ( 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 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: Debt collection

I lived in an Apartment Complex from XX/XX/XXXX to XX/XX/XXXX. Upon moving out in XX/XX/XXXX, there was a question on what was owed for damages ( which at the time was XXXX and now is owned by XXXX XXXX ). The complex apartment is called XXXX XXXX XXXX, located in XXXX, NY. At around XX/XX/XXXX, I started receiving collection phone calls for a balance of of over {$2000.00}. Part of the debate with the apartment complex was over the carpet that had gotten damaged by pets. The apartment 's claim was the carpet was brand new. I had debated this fact as I had found furniture impressions and earrings stuck in the carpet. After uncovering these facts and what had already been paid through security deposits and pet deposits, my adjusted balance ( which I received from the complex and what was supposed to be forwarded to the collection agency ) was {$400.00}, as what was listed on my e-mails. After not hearing anything from the complex nor the collection agency, it had been a forgotten issue until it showed up on my credit report in XX/XX/XXXX. At no time, from the time I moved out in XX/XX/XXXX until this point, I have not received any correspondance that had any amount or actually owing the debt.
Product: Credit card or prepaid card

I regret to inform you of an issue regarding my former account with COMENITY CAPITAL. In XXXX, I experienced significant financial hardship, which unfortunately led to my defaulting on the account. I genuinely apologize for any complications this might have caused. 

By XXXX, however, I had managed to stabilize my financial situation and was able to fully pay off the account through a collection agency. It appears there is still some confusion surrounding the status of this account, and it continues to impact my credit negatively. 

I respectfully request your assistance in resolving this matter and kindly ask you to consider this information in the dispute process.
Product: Checking or savings account

XX/XX/XXXX : I contacted Optum bank and asked for my funds to be transferred to another XXXX on XXXX Bank. My Optum Bank account was closed automatically ( without my request or permission ) and I was told a check was issued to XXXX Bank for rollover XX/XX/XXXX : I called my new XXXX, XXXX Bank, and was informed that they never received the check so I called Optum Bank and asked them to reissue a check XX/XX/XXXX : I was informed by XXXX XXXX  that Optum issued a check but did not include the rollover form which contains the necessary information on which account to deposit the fund into in their correspondence. Therefore XXXX XXXX  was unable to deposit the check. I contacted Optum Bank to correct their rollover process and re-issue a check and send with the rollover form XX/XX/XXXX : Optum Bank confirmed the request was being processed. I asked them to confirm that this time they will send the check with the correct form. They confirmed but also said that they reissued a new check, which would be valid until XX/XX/XXXX. 
XX/XX/XXXX : I messaged Optum Bank and asked if they can send a check that is valid for a longer amount of time as it may take more than 10 days for it to be arrived and processed. I also asked if they could send me a check too because I started growing distrustful of the process completing. They replied saying they would look into this and included a message that said : " your check was issued on XX/XX/XXXX and it can take XXXX business days for the check to be received ''. This reply does not make much sense considering the timelines. 
XX/XX/XXXX : I called Optum Bank and asked for information on progress. The support agent informed me that the last time a check was issued was XX/XX/XXXX and there was no reissue in XXXX as I requested and was confirmed by Optum Bank.

I have been unable to access my funds for more than 3 months with no expectation of resolution. Optum Bank also charged me a rollover fee when I first requested the rollover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXXXXX XXXX-Balance {$0.00} XXXX XXXX XXXX-Balance {$1500.00} XXXX-XXXX****-Balance {$240.00} XXXX XXXX XXXXBalance {$62000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I tried to send money thru my PayPal account. On I noticed on XXXX XXXX, XXXX  that it still did not clear. Out of concern, I sent a message to my bank, asking them to release the hold. They did, replied to my message to confirm that I could see it. 
I asked PayPal ( who ONLY responds after using multiple " self-helps '' and I pressed further to have a CSR contact me ). 
As of today, PayPay STILL has not released my transaction from their " Pending '' status. They refuse to move it, to pay it out. I contacted them again yesterday, the only method they use. They give the same story, blaming it on my bank. This is the last message they supplied : " Heres how to view the expected clearing date of your eCheck : Click Activity near the top of the page. 
Click Details next to the eCheck to see the transaction details.

You can find an estimated clearing date for the eCheck near the payment status on the Activity page. 
eCheck process> I do appreciate your time and I hope I could have solved your concern. Remember we are always here to support you on every question you have. 
XXXX XXXX  - XXXX '' XXXX XXXXTheir links don't show anything I can't already see. There is NO eCheck to click on. There is NO " details '' button. 
They are making interest off my transaction! This isn't right! 
My point is : Make PayPal release this transaction- now.
Product: Credit card

Please examine the documents attached. I ask the bureau to commence an investigation into these accounts, as I am never late, but they are erroneously reporting otherwise.
Product: Vehicle loan or lease

Vehicle XXXX XXXX XXXX XXXX XXXX Car purchased XX/XX/XXXX After repossession of vehicle balanced was first {$4200.00} reported on date XX/XX/XXXX First letter from Santander of settlement was sent XX/XX/XXXX of balance due {$2300.00} of 30 % that amount Debt sold to XXXX XXXX XXXX XXXX dated XX/XX/XXXX their balance is {$4500.00} and they want 40 % of that amount have letter from this company Santander sent letter on XX/XX/XXXX that the sold to XXXX XXXX XXXX, XXXX and the Principal Balance is {$2300.00}
Product: Debt collection

CFPB AND FCRA please look at these inaccuracies Trans union is reporting and retaliating against me. Trans union has been reporting inaccurate information on both XXXX  and XXXX  XXXX. I have disputed repeatedly with no results. Transunion is reporting these accounts as closed as of dec. XXXX but open and i was not born or alive when these XXXX accounts is marked closed. This is damaging my credit worthiness and tarnishing my good name. XXXX talking to lawyers and filing suet on this company and XXXX XXXX XXXX XXXXXXXX done Transunion and these accounts reporting in correctly. but lawyers are taking over and Sueing for what's right and fair. SEE YOU IN COURT! my Lawyers printed out all the inaccurate information reporting and all the disputes i have done on these accounts and to both parties and results
Product: Credit reporting or other personal consumer reports

Equifax continues to furnish unauthorized fraudulent identity theft inquiries from a car dealer. I didn't authorize these inquiries..please be advised that by LAW no inquuiries can be placed on any consumer report without written authorization. I have not signed any documents authorizing these organizations to provide my private credit history. 1681b ( c ) Transactions not initiated by consumer and a serious breach of my privacy rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I complaint to their executive office about not having online access to my new account ending # XXXX and they were over an hour on the phone with a Rep by the name XXXX and the call ended after following troubleshooting steps that was submitted to their digital office to be dealt with their back office and I was promised that they will call me back with a resolution within a day, after over a week on XX/XX/XXXX I called back XXXX and asked what is going on and he had no clue and after being on the phone with him for hours he just didn't seem to know whats flying and what was last week only after a nailed him down he agreed to listen in to last weeks convo and came up that the escalation was rejected which is non sense as we all confirmed the submission while we were on the phone, he seemed not be knowledgeable nor capable to handle this before listening into the convo he just wanted me to redo things again and again.I demanded to talk to a Supervisor which he transferred me to someone by the name of XXXX and he was the same non sense and also promised me to call me back and he never called me back so on the XXXX I called back XXXX and he again started with the same none sense and couldn't explain me why the escalation was rejected in the first place and he just kept on going in circles with me. I was left without any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1. 15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These creditors XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and the credit agengies XXXX, XXXX and Transunion are in violation of Code 6801 sharing non public on my information on my consumer report without obtaining my written consent have shared and is therefore willifully not complying by removing these accounts XXXX XXXX XX/XX/XXXX {$7600.00} and XXXX XXXX XXXX XXXX XXXX {$690.00} I ask for assistance with assuring these non public accounts be removed from my consumer report immediately