23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I received a " XXXX with XXXX payment '' to my Chase Checking account for {$2000.00}. 
On XX/XX/2019 I received a debit for a " XXXX Dispute '' of {$2000.00}. 

On XX/XX/2019 I realized {$2000.00} was taken out of my account with the debiting transaction labeled " XXXX dispute ''. I contacted Chase customer service and they informed me that their was an open investigation on this transaction for quite some time. The investigation is now closed and was decided in the senders favor. 

I asked why the case was decided in the senders favor and was given the following information : The sender called their bank and told them that this was an unauthorized transaction. An investigation was opened. They looked into the account owners login history to verify that the location they logged in from was irregular. Based on the IP address investigation they decided to rule in the senders favor and issued the {$2000.00} reimbursement. 

I personally know the sending party and know that this was not an unauthorized transaction. Initially they wanted to send me money via a XXXX transfer but I told them I prefer XXXX ( thinking there was no risk of a chargeback ; i was wrong ) .So we met in person on XX/XX/XXXX so that they can pay me the money they owe me via XXXX transfer. He called his sister ( the account owner ) and told her to go ahead and send the money after I gave them my XXXX details. I heard XXXX 's voice ( the account owner ). 

I am 100 % certain that this was an authorized transaction by the sender and they are exploiting the bank/ XXXX 's policy here. This was a lackluster investigation which resulted in a XXXX criminal being rewarded and an honest XXXX taxpayer out {$2000.00}. Of course these criminals knew to use a different login location to complete the transaction. They are criminals who live off of stealing from other people! The only investigation performed was to check if the criminal was smart enough to use an IP Address they have never used before to login to their account to complete the transfer! 

It is very obvious someone told them about this scheme where you can send money through your USA bank account and request your money back by calling the bank and saying it was an " unauthorized transaction ''. These people are XXXX and don't have much money. They will XXXX over anyone as long as they can get some money out of it. 

To make matters worse, Chase customer representatives claim that they froze my account to complete the investigation. 
I was never told about any type of ongoing investigation or my account being frozen. I do my weekly banking with chase and my account was never frozen or suspended when logging in online. This was like an extremely lazy effort from whoever investigated this claim.
Product: Credit reporting or other personal consumer reports

One of three credit bureaus reported that has been not removed by XXXX XXXX  unresolved yet ( Experian ) because debt management settlement program has been working on negotiation teams with them but not settlement yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted PHH Mortgage on XX/XX/23 regarding my credit report. I have been in contact with them several times since than via email and phone calls. PHH Mortgage is reporting my account is closed due to being included in Bankruptcy. I had filled an reaffirmation of the loan with them which was signed by the Bankruptcy court, my lawyer and PHH Mortgage during the Bankruptcy. The account should report being open and current. As they are sending me month statements and I'm making my monthly payments on time. I have had countless emails and phone calls with PHH Mortgage trying to correct this. It has only ended up with them sending me an email saying the bankruptcy is closed and the reaffirmation is not applicable to the loan. I have provided them all the paperwork that they asked for. I have contacted my Bankruptcy lawyer for the the reaffirmation paperwork and forward it to PHH Mortgage. I have been advised to seek an lawyer and seek legal matters pertaining to PHH Mortgage now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous times I have contacted both the collection company and the credit reporting agencies that incorrectly report this account that is clearly identity theft. I have never chosen to do business with this company and when I called them to report the identity theft as most collection companies do, they laughed it off. 

As required by the FCRA and identity theft laws This account should be reported as identity theft and removed immediately from all credit bureaus and less the company can miraculously provide definitive proof the count to belongs to me. 

I have been falsely threatened and accused by this debt collection company less threatened to tell coworkers or file legal action that could result in criminal prosecution. 

As stated before I am the victim of identity theft and not the criminal in this company should be XXXX XXXX from such actions against victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting on a debt I do not know. I did not know this debt was on my credit report. I didn't receive any letters or any communication from XXXX. However, as soon as I found out i immediately paid the debt. I believe this is a violation of my 30 day right to dispute. I did not get a chance to be able to dispute this debt or settle with them before it was put on my credit report for lack of communication from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car in XXXX/2017 the car dealer sent my information to over a XXXX  financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oportun published my account to the credit bureaus without my written consent. This was back in XXXX of 2022. In accordance with the Fair Credit Reporting act Oportun # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

This is regarding account ending with XXXX. Apparently, Wells Fargo ( WF ) is closing every account that has a joint account with my name on it. They are not transparent, but only using the word " RISK ''. This is the 4th account being closed by WF that had my name on it and they are vague as to why, not even the local branch could help. We need to know what RISK they are referring to and why are they relying on their poorly operated AI system that is causing all these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on X/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ( XXXX  ) has violated the Fair Credit Act by reporting an alleged debt to XXXX. I paid their client the agreed amount on the medical visit. Additionally I sent a request of debt validation to XXXX  and they failed to provide the especfic information requested. Please see attachments included in this complaint. XXXX  reporting practices are in violation of the Fair Credit Repoting Act and therefore they are liable now for reporting this alleged debt. 
Please be aware that at the present time I am on XXXX XXXX under USC Title 10.
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, cashapp 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 significantly inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I submitted my annual re-certification on XX/XX/XXXX. I provided all documents including a paycheck stub from my employer ( XXXX XXXX XXXX XXXX XXXX ) and noticed the payments were recalculated INCORRECTLY ( {$260.00} ). They are not following the LAW and calculating the payments based on line one of my paycheck stub which shows my XXXX XXXX monthly pay. They are not properly deducting my TSP contribution. 

I called on multiple occasions throughout XXXX and XXXX of XXXX and spoke with supervisors who told me I could not speak with the employees who perform the calculations to understand what was wrong. The supervisor called the loan processors and they said that I needed to resubmit my pay stub and identify which items are taxable and which should be deducted. 

I resubmitted my paycheck stub with clear calculations and indications as to what is taxable and what should be deducted. The recalculated my paycheck on XX/XX/XXXX again without performing any deductions. The new payment is {$410.00} which is drastically above what it should be. The company refuses to tell me how they are calculating my payments and in my opinion, are breaking the law.
Product: Credit card or prepaid card

I haven't received the last 2 statements from Home Depot credit services. Apparently my minimum payment changed for the first time in 15 months from $ XXXX/mo to $ XXXX/mo and I wasn't properly notified because I didn't receive my statements. When I contacted the bank and asked for copies of my statements and a refund they stated they were unable to refund the fee because it was my fault. Even though I told them I didn't receive my statements, which by law I'm allowed to have time to review prior to the payment due date.
Product: Credit reporting or other personal consumer reports

KIA FINANCIAL IS IN VIOLATION OF MY CONSUMER RIGHTS THEY ARE REPORTING 3 LATE PAYMENTS IN MY CREDIT REPORT WICH ARE INCORRECT BECAUSE THE NEVER SENT ME A LETTER 21 DAYS BEFORE THE REPRTED THE LATE PAYMENT TO MY CREDIT REPORT THEY NEVER SEND ME THAT LETTER AND THEY ARE REFUSING TO CORRECT THE PAYMENTS AS CURRENT.
Product: Debt collection

XXXX XXXX XXXX XXXX has been sending me bills that are inaccurate and incorrect ( extreme fluctuations in cost- from around {$20.00} XXXX month to around {$250.00} the next ) and suspicious meter readings, and assessing late fees when I haven't paid the full incorrect amounts, even after someone at their company told me bills were incorrect and that it would be fixed ). I have contacted them many times by phone, their website chat, their website email portal, and by mail, and they do nothing to correct the problem. I got a letter from A.R.M. Solutions , Inc., stating it is a debt collector and that " my debt '' has " been forwarded to them to resolve. '' There is a tear-off sheet, but it says that I should pay XXXX, not A.R.M Solutions XXXX and gives my XXXX account number as a reference number. Also, it says that the form should be mailed to XXXX, not A.R.M Solutions. I believe A.R.M. Solutions is misrepresenting itself as having bought the " debt '' from XXXX in its capacity as a debt collector. In reality I think that A.R.M. has some kind of partnership with XXXX to make people think that they have been sent to collections and that their credit will be ruined if they don't pay XXXX ' bogus bills. I have continued to pay a reasonable amount to XXXX monthly because it's true I am using some propane, just not the amount they are saying in their incorrect bills. I have paid nothing to A.R.M. and sent them a verification letter. I am XXXX and have low income and can not afford to pay XXXX ' inaccurate bills. Please investigate and stop these companies from taking advantage of people. Our whole HOA is having this problem, and XXXX has not explained to the XXXX president what is going on. XXXX neighbor was charged {$12.00} XXXX month and {$800.00} the next. I can provide more information upon request. Thanks.
Product: Debt collection

XXXX XXXX and XXXX are attempting to collect an alleged debt of {$300.00} for a Check Into Cash loan. I have not received correspondence from these 3rd party agencies when I submitted a complaint regarding the debt in question. I called Check into Cash directly to see if there were any outstanding loans and they said there was not any in my account. I was not informed anything about still owing a debt wether it was sold or not. I was specifically told that there was no debt. I need the {$300.00} collections account to be removed off of my credit file immediately. Calls can be traced and I am not at fault for any misinformation. I think an email may have been typed in wrong when I sent in my first complaint. That was regarding XXXX XXXX and the text messages I have received from them for the same debt. XXXX is being reported on my credit file and I am being contacted by XXXX XXXX. Both companies are now aware of this complaint and I will resubmit another to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

ive recently check my credit report and ive seen damaging inaccurate reporting i have a closed account thats reporting on my Trans Union account and also my XXXX account that is incorrect and i want it removed.
Product: Debt collection

This involves my account with XXXX XXXX XXXX, and new returned phone XXXX and my entire account. My XXXX account was paid in full on XX/XX/2017 for a due date of XX/XX/2017. XXXX bills a month in advance of service. I closed my account with XXXX on XX/XX/2017. They actually owe me money. My Complaint is against Jefferson Capital Systems. They are reporting on my credit file for a debt that I do not owe related to XXXX. They report this in a way that is deceptive as if it is a current item, when it is not. it is 5 years old., This is not a valid debt as I owe no money to XXXX XXXX XXXX wrongly charged me fees, taxes, phone service for a phone I returned during the first 10 day grace period and XXXX also did not credit my account for charges related to the new phone that I returned to XXXX during the grace period. XXXX failed to reverse charges for service amounts and other charges. I paid in advance and XXXX did not credit me any of the charges they added regarding the new phone and they continued to charge me for a phone I didn't have- they had it. I was't using it but they were charging me anyway. XXXX continued to charge me month after month for service and phone number even a I closed the XXXX account on XX/XX/2017 a month and half later because they were not crediting me and were continuing to bill me wrongly and incorrectly. I decided to leave XXXX because they weren't correcting this after several attempts in contacting and speaking to them. I ported my phone number to XXXX and switched providers a month and half later. I didn't have service with them after XX/XX/2017. I owe nothing to XXXX. This is not a valid debt and this is also time barred.
Product: Debt collection

XXXX XXXX from Imperial Finance Corp has been attempting to contact me and my wife for a made-up debt of over {$55000.00}. I have been called, texted, and emailed repeatedly. 
XXXX of the emails had several other unknown personal email addresses copied. They are spamming random people over this. 

The website ( IMPERIALFINANCECORP.COM ) appears to have only existed since XX/XX/2023. The website is highly suspicious and contains very little information, and only XXXX way to contact " them '' by email at XXXX There also appears to be no legal business registration or location. 

They are using many invasive tactics, calling and texting outside of normal business hours, repeatedly calling and have not stopped when asked to do so. 

The fact they are also calling my wife attempting to " look for me '' is also concerning.
Product: Mortgage

XXXX was told during the downturn if I paid 3 months in advance, I would be approved for a XXXX  by Wells Fargo. I made the payment, roughly {$3300.00} to cover XXXX XXXX. They forclosed on XXXX XXXX, XXXX after scamming me of my {$3300.00}. The address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report an identity theft in my credit file, upon checking my credit I found a number of accounts that are fraudulent, such accounts do not belong to me and should be removed from my credit report, they had impaired me to obtain credit and had cause me to pay high interest.
Product: Student loan

In XX/XX/XXXX, I had called and asked about my account being put in an auto forbearance as they were still processing IDR plan requests. I was told that I would not have to do any action on my part. In XX/XX/XXXX, I received notice that my loan payments were due. I have been paying for the past two months and still have not received correspondence that my loans are in forbearance. On XX/XX/XXXX, I called MOHELA again to inquire about this. A rep. explained that he would have to transfer me to an advanced agent to address my issue. I waited on hold for 2 hours until eventually the call was answered and I was hung-up on. This is not the first time this has happened, as before I had started making payments, any time I spoke with MOHELA there would be an absurd wait time followed by a disconnection.
Product: Payday loan, title loan, or personal loan

I was told a lie by an employee and my loan wasnt renewed when they said it would be.
Product: Debt collection

I had XXXX XXXX XXXX XXXX XXXXXXXX contract that ended. I returned the equipment to XXXX XXXX XXXX using XXXX. XX/XX/XXXX - Each piece of equipment was scanned by XXXX and packed up for shipment. A few months went by and XXXX XXXX XXXX sent the account to collections. Around XXXX I called them and asked why they had it in collections when I had sent the equipment back months ago. 

They told me due to covid they were short staffed and returns were taking longer to process. They escalated the case and later stated that the equipment was found and they would correct the collections report. Months later it was sold to a collections agency. 

Im drained from fighting with these corporations it seems there is no way to win other than paying for equipment THAT I ALREADY RETURNED. Please help me! I can not afford to pay {$530.00} nor should I have to since I fulfilled the contract agreement. COVID shouldnt be an excuse to take my money
Product: Credit reporting or other personal consumer reports

I submitted dispute letters on XX/XX/, contesting the validity of certain accounts. Despite their response claiming verification and the completion of the investigation, I requested verifiable proof. Since XXXX, I have consistently sought evidence without receiving any. These accounts are not mine, and I urge their immediate removal. I have attached my identity theft report to support this complaint.