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

On XX/XX/2023, at XXXX I send myself ( recipients name : XXXX XXXX XXXX XXXX and transaction number : XXXX XXXX XXXX XXXX ) through Remitly, {$2900.00} to my XXXX  bank ending in XXXX. The transfer was held for more information. I send that information on XX/XX/2023. On XX/XX/2023 a someone claiming to be from Remitly called to discuss the issue. They identified me with my name and the exact amount that I was transferring. They said that the bank was still verifying the funds but that they would change the verification officials. They didnt ask me any information nor did I provide any of my passwords or data. When I went to check on the transaction it was complete but someone had changed the transfer number XXXX XXXX XXXX XXXX, the recipient to a XXXX XXXX XXXX XXXX, and the bank account to one ending in XXXX. This change was done without my authorization. I called Remitly and was routed to their fraud department that said that they would close my account, look into the matter, and to go file a claim with my bank. The representative said that this was a case of fraud and that they would work with my bank to return my money and shut down my Remitly account. He noted that I only ever send to my own account and this was suspect to him. At my bank they said that it was on Remitly to refund my stolen money as on their end the transaction was legitimate. When I called back to Remitly they quickly changed their tune and said it was not fraud and I had authorized the rerouting. I asked how they knew it was me that rerouted the funds, they said I spoke through them through text and confirmed via a text sending a temporary password. I never spoke to them nor did I receive a text from them. They said that they had my IP address of my phone as XXXX XXXX. On that day I was not in XXXX XXXX either. When I asked for the full bank account of where the money went to pursue the case through XXXX legal system, they said they would not provide it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution 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: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft resulting from a recent data breach. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$55.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX a savings account was fraudulently opened up in my name using my social security number for this fraudulent act. I contacted Bank of America which is the bank I have been banking with since XXXX of XXXX they let me know when the account was open when I called and I asked about this fraudulently opened account. However they told me they couldnt give me information about this account over the phone and that they dont know what is going on I had to go into a branch to get the statements I requested from them to go over this fraudulently opened account. 
Furthermore for some reason Bank of America though it was ok and legal to join this fraudulently made account to my current XXXX checking & savings account. This is initially what made me call my bank because I had statements on my account from XXXX up to XXXX that I had no clue of. When I opened to look at the statements they are all blank. Once I expressed to them I was a victim of identity theft and I need to see that account or statements they started to discriminate stating I was being hostile & threatening them. I never once got hostil or threatened anyone the cameras will see that. However following them stating I was being hostile and threatening her she called the cops on me and band me from their bank. I have been banking with them since XXXX and kept my account at good standing and kept good standings with this bank. I am very appalled at how I was treated after expressing my identity theft & fraud. Because of Bank of America lack of privacy & protection of my identity & social security number for me as the consumer I am dealing with major losses with assets in my name & being a beneficiary of a trust. Their lack of privacy and carelessness for me the consumer someone is embezzling money from my trust account with a Bank of America fraudulently opened savings account they let run for 5 years without my consent or knowledge. I am losing so much money because of this lack of privacy with my bank.
Product: Debt collection

Verification letter was sent on XX/XX/XXXX and the collector did not respond.
Product: Money transfer, virtual currency, or money service

My mom went to deposit XXXX into my account and the ATM sounded it like it ate the funds. My mom and I went into the bank and spoke with a banker by the name XXXX XXXX. She stated she filed a complaint but no copy of the dispute was not given.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for this loan in XXXX of XXXX  -- I've paid more than the principal back at this point and they're charging 159 % interest on this. 

I was definitely uninformed when I first signed up for the loan, I thought because XXXX was recommending them to me that they were legitimate and there was no risk of predatory lending. Obviously not. They keep refinancing the loan ( which I've just learned is another sign of predatory lending ) and I've just learned they've been sued before for this sort of behavior. 

They refused to speak to me via email ( I wanted a paper trail ) so I had the XXXX contact them -- they maintain that because they're in XXXX  they can charge above usury rates for their loans. Everything about this seems fishy to me. I've asked them to negotiate down or let me out of the loan since I've more than paid the principle at this point.
Product: Credit card

I opened my Capital one card after being sent a letter telling me that I was preapproved based on my credit score. The card is supposed to help build your credit and I was told that after making on time payments for XXXX consecutive months, my credit line would be raised $ XXXX {$300.00}. After the 5 months, I received a letter stating that because I had demonstrated such responsible use of the card, they were raising my limit {$500.00}. I continued to use the card and make all my payments on time. On XXXX/XXXX/16 I log onto make a payment and see that my account is being restricted. I call customer service and was transferred to " the executive office '' where a rather rude and XXXX tells me that my account has been closed and I was mailed a letter. I asked her why and she said this was due to pending or past legal action against me. I asked her for the date of the alleged legal action and she tells me she does not know, but that I can call my XXXX office or the state. I requested to speak with a supervisor after she transferred me back to the main customer service line and was told that the department was closed and I could not leave information for a callback. For the next several days I contacted my XXXX and also the XXXX Court ( State and Federal ) in my state to inquire about the legal action Capital one is saying was the reason for my account being closed, no one has any record of legal action against me. I even paid for a background check on myself and again nothing! I requested to not be charged a late fee due to the lack of information and being told I would need to address the issue with outside agencies. This morning I receive an email from them saying that I am now being assessed late fees and penalties from them as well.
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX XXXX failed to inform me of balances owed after two appointments before sending the debt to collections, resulting in a negative impact on my credit score. 

XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX sent two bills to collections in the amount of {$370.00} for services between XX/XX/XXXX and XX/XX/XXXX. At no point did I receive a paper bill, nor did they attempt to contact me by phone, email, or their patient portal before sending it to collections. The hospital maintains a patient portal where outstanding balances can be paid, through which I have paid other bills, and neither of these charges was listed. The provider also had ample opportunity to inform me that I had an outstanding balance when I scheduled later appointments with the same office, and they did not mention it then. 

I received notification of this debt when ACEI placed a notice on my credit report in XX/XX/XXXX, causing me to lose XXXX points on my credit score. 

I have settled this debt with XXXX XXXX XXXX as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX Subject : Formal Demand for Reinvestigation and Disclosure Pursuant to UCC 9-210 To Whom It May Concern, Pursuant to UCC 9-210, I am formally requesting that XXXX  & XXXX provide full disclosure of all financial records related to the alleged debt associated with account # XXXX. I require the following specific documents : 1. A complete and accurate record of where the vehicle was sold, including the date and sale amount.

2. Confirmation of whether the debt has been securitized.

3. The chain of assignment for the above-referenced account.

4. The Bill of Sale and Assignment of the account.

5. The last payment date associated with this account.

6. The first date of delinquency for this account.

7. Any and all documents bearing my wet signature that allegedly establish a contractual relationship between myself and XXXX XXXX XXXX. 
Additionally, I have identified significant discrepancies in my credit reports. On XX/XX/XXXX, XXXX updated my credit report, reflecting a balance of {$XXXX} in good standing ( Exhibit A ). Conversely, XXXX reported on XX/XX/XXXX a balance of {$XXXX}, with remarks indicating a charge-off of {$XXXX} and a write-off of {$XXXX} as a bad debt and profit loss write-off ( Exhibit B ). These inconsistencies raise serious concerns regarding the accuracy and legality of the debt being pursued.
Product: Prepaid card

I had {$7600.00} stolen from way2go card given out for XXXX  in AZ. I filed fraud claim right away same day as theft. Was given XXXX claim number for all of it and told I get a letter in mail to fill out and submit before 10 days runs out to get provisional credit. XXXX never came so I was told to email my evidence. I submitted all my evidence and was given {$400.00} back. The bank on its own merit opened a XXXX claim without notifying me and put {$7300.00} of the fraud charges onto that claim. I found out about that claim when I called in to ask about not getting all my money and was told that XXXX claim is pending and still open and the larger amount claim was denied. They never warned me of XXXX claim so it never got any of my evidence. I reopened that claim and spoke to someone who gave me his email to send all my evidence in. I submitted it and a few days later get called and told they reviewed everything and denied it for XXXX time. I requested to speak to supervisor and during call was told that they still have no evidence submitted by me. Was lied to by bank employee XXXX minutes before that saying they received all my evidence. Reopen it for XXXX time on XX/XX/year> and had it escalated to higher ups. Since then I have called in XXXX times and they say no notes have been put in about status of claim. Received call on XX/XX/year> spoke to XXXX and was told I have a response with XXXX hours. It was escalated again to higher ups and told because of XXXX  complaint I filed. It's been over 4 days and nothing from bank. I called on XX/XX/year> and was passed around to XXXX different employees who had no answer for me. Was told that they stall and look for ways to deny fraud disputes. They finally have all my evidence which shows them everything they need to refund my funds. I am victim of identity theft. Much larger than I imagined. I have fought hard since XX/XX/year> to get my fund back. They accepted my smaller claim but it's all the same and I can't get answers to why they separated my XXXX claim and deny my large amount of {$7300.00} and accept the other claim but its all related. They lie and refuse to refund me what's mine and they have nobody who I can call to talk to that can give me straight answers. They are avoiding me now because they know they owe me my money said XXXX who is supervisor at the bank for XXXX XXXX department and yet she couldn't do anything to help. It's not affecting my family and little girls. I been respectful and calm and yet they walk all over me.
Product: Debt collection

AWA placed an acct on my credit prior to notifying me. Nothing was sent to my correct address. I found out due it being placed on my cbr. I called in to make payments. Ive been told I have no payments set up. But they debit it from my acct on the XXXX and my balance has decreased. I have now asked them to stop touching my card. 

I called in last Thursday XX/XX/XXXX and spoke with XXXX, in an attempt to settle my debt and have it deleted ( when it shouldnt be reported to begin with ) who immediately stated the mini XXXX and gave me all of the acct info without even confirming he was speaking with the correct party. He said my phone number pulled it up and thats all he needed. No. He needs to verify before releasing someones sensitive information. 

I ask for someone else. He tells me there is no one else. That he is the highest Ill get on the phone. I tell him that I will get someone else and I will file a complaint, his words, BET! 

I call in today XX/XX/XXXX XXXX answers. He tells me hes the only manager thats there. Again, refuses to allow me to speak with someone else. I try to get another manager by calling in private ( sad I have to do that ). I get someone who claims to be in management. Then later tells me shes going to get me a manager. 

I get a higher up ( at this point, Im not even sure who is who, they all claim to be a manager ) who tells me he will not review the call with XXXX and it doesnt matter how I was spoken to and if the FDCPA was violated because I owe a debt. 

I have worked for a collection agency since XXXX and I am very well aware that this is not how a third party collector is supposed to handle someones acct and personal information. 

They sent the initial NOD to an old address. Not once have I received one at my address. Again I found out about this bc they placed on my credit report outside of the reporting regulations. 

I need help to get this taken care of. I do not deserve to be spoken to trash. I do not deserve to have my credit hit without being given the opportunity to resolve it. Now I cant even get anywhere with the company to resolve this. This is unfair practices.
Product: Credit card

Us Bank XXXX XXXX is FALSLEY advertising info back on XX/XX/year> did a XXXX transfer when I received my new card. XXXX months later I'm getting Interest charges on XXXX transfer when I did my due diligence carefully to go with US Bank which was advertising XXXX months no Interest on XXXX transfer and new purchases. Why would a person with great credit make a XXXX transfer with a XXXX XXXX. Now they are Advertising XXXX  months on XXXX Transfer and New Purchases. I'm highly upset.
Product: Debt collection

Synchrony bank notified me regarding a credit card for XXXX XXXX XXXX amounting to {$960.00}, I am not aware of this credit card.
Product: Prepaid card

I was supposed to get a payout from multiple settlements for my data breeched and identity was exposed. I was not noticed by XXXX and XXXX XXXX XXXX XXXX  etc that my information was exposed. XXXX had to find out through XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have been made aware of the ongoing fraudulent actions being committed against my estate. These fraudulent actions are in multiple violations of 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, and in turn have caused me a great deal of stress along with an exponential amount of loss. Therefore, I am requesting that the reporting of the information be blocked and deleted along with payment of the civil liabilities outlined in 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION.

n accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX account number : XXXX {$670.00} XXXX XXXXXXXX account XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} dept of education/XXXX account number : XXXX {$1700.00} XXXXXXXX XXXX account number : XXXX {$1700.00} XXXX XXXX XXXX account number : XXXX {$760.00} account number : XXXX {$680.00} us dept of XXXX account number : XXXX {$1700.00} hard inquiries as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I havright 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 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. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of alleged debt, nor therefore any such debt, in fact exist
Product: Student loan

I have a private student loan account with Navient. I have attempted to call on several occasions regarding my repayment. I had an issue a few years ago discharging my co signer, as we were getting a divorce, so I used my settlement to pay off one of the loans, since I was misinformed that I couldnt take him off as a cosigner. However I had another loan with them. I tried naking attempts to refinance since the onterest was so high and I went back to school and they kept encouraging forbearance and defferments. I have owed the same balance it feels like for years. XXXX. I used to make XXXX payements biweekly to every week depending on my funds. Instead of applying this to principle ... it went towards the next months bill and so on. I will be paying this loan for the rest of my life at this rate. I asked for help, they recommend forbearance. Ive tried to consolidate with my other loans but since it is a private loan I can not. I made an ontime pay.ent last month for XXXX as that was my monthly payment however this month XXXX is due. It seems that every month a different balance is due. I dont know what to do and I need help. I am drowning in student loan debt. And this debt is going no where. No matter what I do. The interest rate is horrible, 11.5 % which is why i tried making payments more frequently. I geel taken advantage of. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft. Unauthorized credit inquiries have been made on my credit report without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and permanent deletion of the following inquiries from my credit report : Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on 2 accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time paid as agreed as they should be as I was NEVER Late. Thanks, Fair Resolution! Update the account to Paid on time and never late. Please see screenshots attached :
Product: Payday loan, title loan, personal loan, or advance loan

The company is repeatedly harassing my by calling me before 8 am despite my request for them to stop. 

Beginning on XX/XX/XXXX at XXXX XXXX the company began calling me about my account and waking me up very early in the morning. In the beginning, I ignored these calls. 

On XX/XX/XXXX, I was called at XXXX XXXX On XX/XX/XXXX, I was called at XXXX XXXX  on XX/XX/XXXX, I was called at XXXX XXXX and XXXX XXXX On XX/XX/XXXX, I answered one of the calls at XXXX XXXX and was advised that it was Upstart trying to collect a debt. I advised them of the time and asked that they not call me at this hour again. 

On XX/XX/XXXX, I was called at XXXX XXXX On XX/XX/XXXX, I was called at XXXX XXXX Today, on XX/XX/XXXX, I was called at XXXX XXXX and answered. I again advised the company of the time and requested they do not call me at that hour. 

The company is calling from XXXX
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. 

Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX5 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: Debt collection

I have attempted to communicate twice with the bureau regarding the inaccurate information. I have not received a resolution, causing unprecedented issues to my credit.