23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2022 Balance {$870.00}
Product: Credit card

RE : Fraud Claim redacted Originally Filed : XX/XX/XXXX On XX/XX/XXXX I reported to a customer service representative at US Bank that I saw XXXX fraudulent online charges on my credit card statement that were made a couple hours earlier. I instructed this rep to close down this credit card and to send me a replacement card. I assumed that I would be issued a provisional credit immediately as another bank of mine had done. The dollar amount of this provisional credit is tiny. 

But days have gone by and when I called US Bank customer service I was given contradictory information. I spoke to a fraud department representative who said he was filing information for the provisional credit but the credit didn't appear in my account. I called US Bank at least XXXX times in relation to this issue. This evening ( XX/XX/XXXX ) a XXXX in the fraud department left me a phone call, yet the XXXX didn't answer when I returned her call and isn't in the office for XXXX more days. 

The US Bank website states that a provisional credit will be made during a dispute and the longest amount of time it will take is XXXX business days. It took another bank of mine only a couple hours to post a provisional credit to my account. Today ( XX/XX/XXXX ) is the XXXX business day since I started this dispute, yet I haven't received a provisional credit for a paltry sum. I have banked with US Bank for years, and when I asked to make a customer service-related complaint I was told the only method to submit this complaint is via old-fashioned snail mail. XXXX XXXX asks me after each phone call if I felt customer service did a good job whereas US Bank doesn't record calls nor take any information from customers like myself about representative performance. 

US Bank is dragging its feet to reimburse a tiny amount of money to a long-time customer. I am seeing the true colors of US Bank.
Product: Debt collection

There are several concerns that I have about the communication tactics from a representative of Admin Recovery. 

1. On XXXX/XXXX/15, a person by the name of XXXX from Admin Recovery ' made initial contact about a XXXX Bank debt using my spouse 's cell phone number instead of mine. No other contact was made directly to me prior to this phone call on XXXX/XXXX/15. I never released my spouse 's phone number to XXXX Bank nor did I ever give permission to be contacted on my spouse 's cell phone number. I have no idea how my spouse 's phone number was obtained by Admin Recovery. 
2. I briefly spoke with XXXX XXXX on the evening of XXXX/XXXX/15 when he called my husband. He repeatedly asked me to verify my DOB, last four digits of SSN, and/or my address. I refused to verify personal information over the phone because I did not know him nor anything about Admin Recovery. I requested that he send a letter to me instead. In a rude tone, he refused to send a letter and just ended the call with me. 
3. On XXXX/XXXX/15, XXXX XXXX called MY cell phone number this time and left me a voicemail message about said XXXX Bank debt. I returned his phone call on XXXX/XXXX/15. I informed XXXX XXXX of the times when it is convenient for him to reach me by phone. His rude reply was that he does n't work during the times that are convenient for me to be reached. I then requested that a co-worker contact me during those times. He said that was not possible because no one works on Wednesday or Friday nights from XXXX - XXXX XXXX. Then he proceeded to tell me that at this point, I lost my rights to be contacted at a time that 's convenient for me. So basically, I must discuss this matter with him during HIS working hours. 
4. I, again, requested that he send me a letter verifying this debt so that I can be fully informed to respond. 
5. As of today, 10 days after his initial contact with me via my spouse 's phone number instead of mine, I have not received any written communication from Admin Recovery about said XXXX Bank debt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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 protocol 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: Student loan

Dear CFPB, I am writing to report a discrepancy in my student loan balance after consolidation. The remaining balance of my loan, prior to consolidation, was under {$20000.00}. However, I recently received a letter from Mohela, which shows XXXX separate amounts : {$55000.00} {$17000.00} The {$17000.00} is accurate, as it reflects the amount after attending the XXXX XXXX XXXX This amount was discharged at 100 %. However, I can not identify the source of the {$55000.00}, as this does not reflect my debt and I attended school for less than 3 years. 

I have contacted Mohela directly to clarify this issue, but I have not received any feedback or explanation regarding the {$55000.00}. I request assistance in resolving this matter and determining where this additional amount is coming from. 

Thank you for your attention to this issue. I look forward to your prompt response. 

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

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


REMOVE FRAUD ACCOUNT ASAP. THIS IS UNACCEPTABLE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing an inaccuracy on my credit report, The account ( XXXX XXXX ) is still showing on my XXXX report and should be removed due to the age of the account. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX, and a decade later is still currently showing on my 3 credit reports and would like the vendor to remove it.
Product: Money transfer, virtual currency, or money service

I opened a complaint under the number XXXX previously before. The company did respond by XX/XX/22, but said it needed further processing which could take up to 90 days. I had to reach out to them XX/XX/22 about how they still haven't responded back even past their 90 day window. They replied back XX/XX/22 only reply they are unable to assist me and I have to again resolve it with the seller which was a scam and never got any item now refund for my transaction.
Product: Credit card or prepaid card

On XXXX XX/XX/2022, I logged into my Paypal account to transfer funds/pay my XX/XX/2022 rent. At this point, I noticed a discrepancy in my account balance. Soon following, I viewed 2 unauthorized ATM transactions totaling the amount of {$960.00}. 

Immediately, I phoned a Paypal representative & informed them that the 2 transactions [ see below ] were unauthorized & not made by me. 

XX/XX/2022 at XXXXXXXX XXXX XXXX  Transaction ID : XXXX Payment Status : COMPLETED Payment Type : ATM Withdrawal Gross amount - {$480.00} USD XX/XX/2022 at XXXXXXXX XXXX XXXX Transaction ID : XXXX Payment Status : COMPLETED Payment Type : ATM Withdrawal Gross amount - {$480.00} USD The Paypal representative assisted me in placing the 2 cases in the Resolution Center. Also, he stated : I would hear a decision within 14 days. 

Dispute Case ID PP-D-xxx Dispute Case ID PP-D-xxx Approximately 5 hours later, I received an email stating both cases had been denied. Yet, the email stated no reasons for the denial. Nor did the email state any path to rebut Paypals findings. Instead, I was informed If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal Debit Card Department Attn : Dispute Resolution Please be informed : Seldom, I have used this card for ATM withdrawals. I have never withdrawn large amounts of money in odd amounts. Example ; {$480.00} [ twice ]. 

In both instances ; the ATM withdrawal times were inconsistent with my Paypal history. [ XXXXXXXX XXXX & XXXXXXXX XXXX ]. 

The transactions were unauthorized. And, I responded in a timely fashion. 

I am requesting a copy of the documentation used in the investigation of my case. 

I am requesting the name, address & phone number of your law firm and/or litigation department XXXX 

I am formally requesting the reversal/refund of the 2 previously mentioned transactions totaling {$960.00}. 

Denial of my claim will cause severe hardship. I will be unable to pay my XX/XX/2022 rent & may be evicted. 

It is my understanding that Paypal insures zero liability for unauthorized transactions. And, I hope that Paypal will honor this policy & approve my request in good faith.
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX XXXX. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Discover Bank on XX/XX/2014. I used my credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under15 usc 1605. Discover Bank then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regard to the negative items on my credit report it has been well over 30 days also I've disputed items I was a victim on identity theft also no action was taken to delete and remove account XXXX XXXX XXXX account # XXXX account opened on XXXX  XX/XX/XXXX or Trans Union XX/XX/XXXX my credit reports both dates which all three bureaus do not have the same information that in its self are terms for removal and deletion. Date last active XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX Trans Union reports XX/XX/XXXX I do have a police report and this is the number to the file : XXXX located XXXX XXXX Florida
Product: Prepaid card

I purchased a visa master card at my local XXXX for XXXX dollars. My husband tried to use the card and it said declined. and I tired to use it too and it said declined, it was never activated. We called the number on the card and the lady was very rude and would n't listen to us. She said they thought it was fraudulent activity so it was canceled. It was canceled before we could use it. I even tried to get online and put my information in like the card said to do and it never let me. It said that the card number was incorrect. The rude lady on the phone said to fax a copy of our receipt and address and number and copy of the card to her, and that she did n't know when we could get the XXXX that we put on the card. It could take a week she said. So they took our money and do n't know when we will get it. What 's the point of a gift card if u ca n't even use it. They did n't seem to want to help and resolve the problem. She never said we would get our money back, I felt like we where given the run around. I feel like I was scammed. My husband got the money order to buy me wigs online because I 'm sick and have no hair because it fell out. And now I have to wait a week or more or may not even get the money back and have no wig to cover my bald head. I ca n't wait a week or afford to be ripped off. I 'm already sick and suffering.
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 XXXX 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 a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX Captial one credit card opeXXXX XXXX under account number XXXXXXXX Capital one credit card  opened XX/XX/XXXX under account XXXX and Capital one credit card opened XX/XX/XXXX under account XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me, All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

To whom it may concern, I hope this email finds you well. I would like to resolve this issue and get my promotional offer of {$300.00} as TD Bank promised. I am escalating this matter because customer service couldn't help. 

Unfortunately, TD did this same thing to my husband as well. They always trick customers. It's unacceptable! They don't care about your customers. If we don't go for a resolution, we will never ever use TD bank again and I will tell this to our friends and family as well. They all should avoid their services if you don't care about your customers. We were even thinking to bring our investments and IRAs to TD XXXX portal but now we are not happy with this situation at all. 

I opened the bonus offer via your website and it was saying {$300.00} bonus. via this link : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX & XXXX & XXXX There was nothing about XXXX XXXX Mail ' campaign on the link even in the blueprint. And this time we read the blueprint in detail 3 times. We always open different bank accounts with different banks and we never had any issues like this with another bank! They are always click-baiting new customers! We gave them a second chance and this time we read all the blueprints did the right things. This is awful! They should do some empathy and see this from their customer 's side. They literally betrayed us. They just care about a new customer 's direct deposit and they're not loyal to their words and promotions. It's very frustrating. They just care about our money, not your customers as they said on your PR and quotes. 

Please do your best to resolve this unprecedented treatment to your customer. I completed all of the required steps as you requested. I do demand my {$300.00} bonus as you promised. Please send the bonus via snail mail to my address Thank you for understanding. Please accept my rage and frustration on this matter. 

Best regards,
Product: Credit card or prepaid card

( XXXX of XX/XX/2023 ) Went to open a checking account with chase in person. When opening a checking account they informed me because my father was a veteran they would wave the fees ( balance charges, etc ) for the account. The lady then asked if I would like to open a Chase Credit Card as the fees for that would also be waived. I said I couldnt at this time but would open it online later. She informed me that should be fine and that I could call and have the fee removed if it didnt automatically apply. 

( last week in XX/XX/2023 ) When I later opened the card I was charged a annual fee so I called Chase. I spoke with a customer service agent who told me I would need to talk to the Military service desk and they could remove the charge. The Military service desk told me this was only for XXXX XXXX and did not apply, but that customer service could remove the charge. Transferred back to Customer service and she told me only her manager could remove the charge. This supervisor then said they can not and will not remove the charge and will not do anything about the people lying but I should go the the branch in XXXX and they could remove the fee. The branch in XXXX said that they can not remove the fee and that customer service could do it... 

So basically I was on the phone for an hour about being lied to as a customer and they kept telling me it was someone elses job to remove it, yet every person I talked to told me they can not remove it. 

I just dont think its acceptable to lie about the terms and conditions for the card.
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit did I did not authorize. XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
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 violates the Consumer Financial Protection Act. 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 and regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps exploiting my info I HAD A GYNOMASTIA CLAIM RISPERDAL XXXX & XXXX AND THIS MUST BE A PUN ... TRANS!! I GET IT ... IM TIRED OF THESE PEOPLE. THEY TOOK MILLIONS FROM ME AND I HAVE REPORTED THEM TO THE FLORIDA BAR JUST THIS MONTH. XXXX XXXX XXXX I will sumbit a claim for to. As far as credit reporting why the bother. What can You do? Just let me know what I can do about random score decreases for no reason then!