23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have never experienced a bank that " pends '' cash deposits. I made a cash deposit into my bank ( TD Bank ). The cash deposit took a day to clear. I then had a {$1500.00} check returned over a {$1.00}, although the cash deposit of {$100.00} was pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I trust this message finds you with a sense of urgency. I am writing to urgently bring to your attention a matter of great concern involving XXXX XXXX XXXX, a debt buyer, and their persistent pursuit of an alleged XXXX XXXXXXXX debt amounting to {$690.00}. 

Despite the confirmed removal of the aforementioned debt from my credit report by XXXX and XXXX, adhering to the Fair Credit Reporting Act ( FCRA ) guidelines, TransUnion appears unwilling to cooperate and still reflects the debt. This conflicting response exacerbates the severity of the situation, leaving me in a precarious position.
Product: Debt collection

THESE ITEMS KEEP APPEARING ON MY FILE AFTER BEING REMOVED.
Product: Student loan

" This account has consistently maintained its punctuality, yet the reflected debt continues to impact my financial standing. ''
Product: Debt collection

The company Oliphant Financial contacts me repeated several times a day. They also have contacted me on holiday such as XXXX and XXXX XXXX 's XXXX. I have asked them to stop contacting me and they continue to do it.
Product: Debt collection

I am writing to inform you all that my wallet was lost or stolen and now my identity has been compromised. I believe it is linked to an incident that occurred several years ago at the airport in XXXX XXXX. I lost my wallet and luggage at the airport. My wallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the wallet, it was never recovered. Since then, I have noticed suspicious activity on my credit report, including this unauthorized account and inquiries. I am concerned that my personal information may have been stolen and used to commit this level of identity fraud. I have already taking steps to protect my identity, such as filing a police report and placing fraud alerts with the credit bureau 's. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity. 
Thank you for your attention to this matter
Product: Money transfer, virtual currency, or money service

I have used cash app since 2019 and have had nothing but issues with payments being sent or received and I get no one on the phone. Its all virtual thorugh their app chatting and finally when you get a person it's a run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response with your recent claim that I owed you. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to placed it for a collection with profit loss write off. 
Should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful noncompliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result lawsuit against your company. FDCPA Section 807 ( 8 ) If you can not validate the debt it gives valid reason to remove and delete it from my credit report IMMEDIATELY.
Product: Checking or savings account

I am writing to request your assistance regarding a distressing situation involving my Bank of America account. On XX/XX/year>, I suffered a XXXX, which left me vulnerable and in the process of recovery. During this time, my sister, XXXX XXXX, accessed my Bank of America account without my permission and stole {$2000.00}. In addition, she took my car, credit cards and my home. 

It has since been confirmed by Bank of America that my sister was responsible for the fraudulent activity. However, despite this confirmation, I have yet to receive my stolen funds. I am incredibly frustrated and disappointed by the lack of resolution. Being a victim of fraud is devastating, but it is even more painful when it is committed by a family member during a time when I was physically and emotionally compromised. 

I am requesting your direct intervention to ensure that the stolen money is promptly returned to me. I believe it is essential for Bank of America to stand by its customers in situations of fraud and exploitation. I am prepared to provide any further documentation necessary to support my case. 

Case # XXXX XXXX Case # XXXX XXXX Case # XXXX XXXX Case # XXXX XXXX Thank you for your time and attention. I trust that you will take the necessary steps to help bring this issue to a fair resolution. 

Sincerely, XXXX XXXX Bank Of American acct XXXX XXXX XXXX Phone XXXX
Product: Money transfers

in the process of purchasing a property in XXXX XXXX, Ca on XXXX XXXX XXXX XXXX XXXX the buyer 's son received a wire instructions from someone pretending to be the escrow company with the account # XXXX at XXXX XXXX XXXX with the address XXXX XXXX XXXX, NY XXXX the wire was send from XXXX XXXX Bank in XXXX, Ca, I did call up XXXX XXXX XXXX and asked if they can place a hold on the funds that I sent and they told me that for privacy they could not do anything, the transfer money was XXXX ( XXXX XXXX XXXX dollars ), I have reported this to the police and XXXX XXXX Bank had requested at least XXXX times for the money to be send back to XXXX XXXX 's account at XXXX XXXX Bank so far no response I am attaching the copies of the wire instructions and the wire transfer and confirmation together with XXXX other wire instructions the first XXXX for XXXX is real the other XXXX are created by the person who owns the account at XXXX XXXX XXXX, please help, I just learned that the person who did the scam took the money out, that is what XXXX XXXX Bank just inform us is XXXX XXXX XXXX responsible for it clients? how we as consumers are protected? is this a case for FDIC to cover the loss? 
Please help
Product: Credit reporting

XXXX fil3ed a debt collection against someone else, XXXX XXXX. on my credit report
Product: Credit reporting or other personal consumer reports

I am so confused by the amount of inquiries I have acquired in my credit report without my permission. It pains me to think that these were pulled/reported without my permission.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of specific information from my credit report in accordance with guidance from the Consumer Financial Protection Bureau ( CFPB ) and under the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting that you block any information related to debts incurred as a result of XXXX, as these fall under the protections outlined in the XXXXDebt Final Rule ( 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) ). 

In support of my request, I have provided the following required documentation : A valid picture ID A bill A letter from an advocacy group assisting me with issues related to XXXX XXXX and debt bondage As stipulated by the law, only two of these documents are required. I have provided all the necessary information to substantiate my claim as a XXXX  victim. Additionally, I have included a victim determination letter in accordance with 1022.142 ( b ) ( 6 ) to further validate my status.

In compliance with Section 605C of the Fair Credit Reporting Act, I kindly request that the information be blocked from my credit report within four business days. I trust this request will be processed in a timely manner, as required by law. 

Thank you for your attention to this matter. Should you require any additional documentation or have further questions, please feel free to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called equifax telling them that there is some enquirers on my report that i didnt to. & that I am a victim of identify, I faxed & mailed them my police report. 3 times with No response. They put a fraud block on my file when I called & I have disputed the inquires on several occasions & The inquires was never removed from my credit report. Which is attached in this complaint
Product: Credit card or prepaid card

I filed a complaint with the Consumer Financial Protection Bureau because Discover Card is repeatedly demanding monthly payments even though I am because of the coronavirus pandemic unable to do so! Today I received a very, very threatening e-mail from Discover Card that it will report me to the credit bureaus! THIS IS AN OUTRAGE! AND VERY UNPATRIOTIC AND UN-AMERICAN OF Discover Card. The International Revenue Services has pushed back the tax deadline from XX/XX/XXXX to XX/XX/XXXX! Discover Card can XXXX well follow suit! Discover Card is being cruel, insensitive, unsympathetic, and totally non-understanding! Outrageous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX and reported the debt as fraudulent. I have also reported it to the police and provided me with a police report. But XXXX XXXX still fails to acknowledge the police report. I had reported this Experian many times and Experian does not comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

i, XXXX XXXX have never applied for credit application or any inquiry with AFNI. AFNI is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my consumer report on date of XX/XX/2020 without my consent
Product: Credit reporting or other personal consumer reports

JPMCB Card Services XXXX initially charged off this account in XXXX of XXXX. The account didn't report anything else until XX/XX/XXXX and has been reporting the account as charged off ever since. The account was also closed by the credit grantor. A Charge Off is when your debt is sold to a third party debt collector. It is also a certificate of indebtedness, which means that it is now income. Income is NOT allowed to be reported to credit reporting agencies. 

Per 15 U.S.C. 1681 ( a ) - Accuracy and fairness of credit reporting, ( 1 ) states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The Privacy Act of XXXX ( 5 U.S.C. 552a ) establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. In addition, 15 U.S.C. 1681s - 2 Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors states : A person shall NOT furnish ANY information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Lastly, 15 U.S.C 6802- Obligations with respect to disclosures of personal information ( a ) Notice Requirements states : except as otherwise provided in this subchapter, a financial institution ( JPMCB Card Services in this case ) may NOT, directly or through any affiliate, disclose to a non-affiliated third party ANY nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt-Out ( 1 ) In general states : A financial institution may NOT disclose nonpublic personal information to a non-affiliated third party unless - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this Title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. I NEVER received an opt out notice for anything that was reported to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

When I was a student at the University XXXX XXXX, my identity was stolen and credit cards were made without my knowledge. On my credit report it shows the address XXXX XXXX XXXX, XXXX XXXX, NY XXXX, which I have never lived in. With my stolen identity, they maxed out 2 credit cards and never paid any of the balance. One was a XXXX XXXX XXXX card and the other was a XXXX  XXXX XXXX XXXX card with a limit of XXXX XXXX The card was mailed to the XXXX XXXX address and they used the card on XX/XX/2022 as I was told by XXXX XXXX 's fraud department. I sent them proof of my work schedule and me at work in a restaurant in XXXX XXXX, Michigan with time stamp, date stamp and Geo location stamp. I physically wasn't present in the XXXX located in XXXX XXXX and XXXX XXXX did their investigations for the past 2 years are still deeming it not fraud and that it is my responsibility. Due to this, my credit score has dropped from XXXX 's to a low of XXXX and was on the rise to XXXX when XXXX XXXX decided to send it to collections and dropped again to XXXX. The card had months of delinquent payments as I was unaware of its existence. XXXX XXXX refuses to sent me a copy of my application for the credit card and the monthly statements. When I had first called, they had a different email and telephone number on file. I tried to remove this address from my credit file from Equifax and XXXX XXXX is deeming it my fault and therefore won't let me remove this address from my credit file which XXXX  XXXX did their investigations that show I made the card online from that address I never lived in. I am stuck in a circle that XXXX XXXX has made as I filed for fraud so many times and their investigations show through the credit bureaus this address in which the cards were made and I can't remove the address from my credit report from these bureaus. I had lost my wallet many years and I was randomly called one day by XXXX XXXX police that they had pulled over a driver who was carrying around my Driver 's Permit. The amount was XXXX $ and due to late fees and interest, it has ballooned to over XXXX XXXX The card was made XXXX of 2022 and was used XX/XX/2022 and it was used with a physical card at a XXXX in XXXX XXXX when I was working at a restaurant all day that day in XXXX XXXX, Michigan. I will be attaching proof of time stamped, date stamped and geolocation stamped photos that I was in XXXX XXXX the entirety of my cards being made and used in XXXX XXXX, New York.
Product: Credit card or prepaid card

I have been a JP Morgan Chase Bank Customer for the past 6 years with an outstanding bank-customer relationship, holding two ( 2 ) credit cards, a saving and checking account. 
Inclusive My Husband has been a Business Customer of JP Morgan Chase Bank since XXXX. 
On Saturday XX/XX/XXXX, while watching TV with my husband, I received two ( 2 ) emails from Chase Bank Fraud Protection Services asking for my response in regards to a charge made on my credit card. 
I immediately did what WAS RIGHT TO DO and called the number on the back of my credit card, to let them know and report : I DID NOT AUTHORIZED THE CHARGES, THAT I DID NOT MADE THAT PURCHASE The next day XXXX received another Email from Chase Fraud Protection Services stating : Dear Customer '' : We closed your Chase Freedom credit card account ending in XXXX to prevent unauthorized transactions, as we recently discussed. 
The Letter also had more information on what to expect from the Fraud Investigation. 
On XX/XX/XXXX I received a letter in the Mail From Chase Bank Stating they were working on my case and they had closed my account etc. 
To my surprise on XX/XX/XXXX, I received another letter in the mail from Chase Bank Card Services which said that the charges were back on my credit card because I have received benefit from it so I was liable for the charges. 
I immediately called again and spoke to XXXX at the Fraud Department who said that my Husband XXXX XXXX made the Purchase, when in first place HE IS NOT AN AUTHORIZED USER on my credit card and was sitting right next to me the moment when the alleged purchase was made in another US State. 
From That date, XX/XX/XXXX I have been trying to resolve this issue going back and forth with Chase and opening the case, almost every month with the same outcome. 
In one of the many conversations the Chase Fraud Representative made a three way phone call with the XXXX XXXX Representative, my husband and I and nothing was resolved. 
I didnt even received an Email or purchase order form XXXX XXXX XXXX when the alleged purchase was made.
Product: Mortgage

Freedom mortgage refinanced my mortgage in XX/XX/XXXX. I changed Insurance companies from XXXX to XXXX. XX/XX/XXXX I got a renewal policy from XXXX. Come to find out the agency, XXXX XXXX didn't cancel the policy. Freedom mortgage paid both insurance companies for 1 year monies that should go towards the principal. My mortgage payment after the lower interest rate in XX/XX/XXXX was {$900.00}. Most months that year I paid extra to go to principal. In 3 months XXXX to XX/XX/XXXX my payments changed. XXXX I paid my mortgage through an agent of Freedom mortgage {$910.00}. She told me the problem with the insurance has been resolved I could pay the minimum or the adjusted payment of {$1100.00}. In XXXX the payment went to {$910.00} which it has remained the same. In XX/XX/XXXX I talked to an agent at Freedom mortgage, the {$910.00} XXXX XXXX payment was not applied it was put in escrow. She didn't charge me a late fee and I paid all that corrected the account plus some, and was told All would be removed from my records I had not missed any payments under the circumstances. I call XXXX XXXX XXXX to get a cash out wrap loan that would lower my interest rate and I could build a home on my 4 acres. My daughter, her husband, and my grandson are buying my house through XXXX XXXX XXXX. As of XXXX XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX said Freedom mortgage have not removed their mistakes over XXXX cents. I could be finishing up the building on my new home before winter if Freedom mortgage would have done what they get paid to do. I have written my Senator XXXX XXXX and this is the second time I have written to CFPB. I may have not been clear in my first attempt to the CFPB but, you will find all of my accounts of this complaint to be correct. Please help me correct this issue. I told XXXX XXXX Freedom mortgage has no business providing loans to Veterans at all. In my many conversations with Freedom mortgage the supervisor had a bad attitude and felt Freedom mortgage could do no wrong. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX
Product: Checking or savings account

I just today received a notification from PNC that my account was overdrawn, that they had " paid a transaction for me '' even though it was overdrawn, and now it has a negative balance and a fee tacked on for insufficient funds. I called and they told me that it was overdrawn due to the monthly service charge. They sent this notification through the mail, although statements are sent to my email address, and they have my phone number - which has not changed since 2002. The slow notification process is obviously purposeful. 
I told the person I wanted to close the account I have had for nearly 20 years. She said she could not close a negative balance, so tried to remove the fees ( which would leave me with a positive balance ) but could not do so. 
She said that someone higher up would call, but they have not, as we approach the end of business on a Friday. 
This is obviously designed this way. I can not get to the physical branch to resolve this, and they will continue to rack up fees, while telling me that they can not close the account because of the negative balance those fees have produced. 
I need help with this, as my bank simply wants to increase the negative balance, not help me close the account.