23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am sending to dispute late payment entries that appear on my credit report for the following accounts : XXXX XXXX BALANCED {$420.00} The report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history. If there is any confusion or if additional information is required to resolve this issue, I suggest you contact me directly or reach out to the customer service department
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 theirs 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 card or prepaid card

At around XXXX XXXX on XX/XX/XXXX, I was going to bed when I received the alert on my cellular phone, saying {$120.00} was charged on my American Express card at the XXXX near my house. It was still pending, but I called Amex right away to report the fraud. After investigation, I realized the credit card with the renewed expiration date was on the way, and was supposed to arrive on XX/XX/XXXX, which I did not receive as well as one of the utility bills. 

After the card was used at XXXX, it was declined at several places ( XXXX, XXXX, XXXX, XXXX, XXXX  ) on the next couple of days. Filed the police report also. 

In a week or so after filing the claim, I got the credit to my account. Thought this case was closed. However, at the end of XXXX, I noticed the amount was re-billed to my account. I contacted Amex again a few days later to ask why, but didn't get an answer to it. Instead, the person said he would open a brand new claim to take care of it. Close to the end of XXXX, I found this charge was included to the total balance. On XX/XX/XXXX, my boyfriend and I called Amex, and got to talk to XXXX with the Fraud Prevention Team. She looked at the record of my account and said it was not right. It seemed the people I had talked to before treated this case as a dispute, not as a fraud. She was trying to open a new fraud claim against the amount re-billed, but couldn't. So she told me she would take care of it and call me the following day. 

As of XX/XX/XXXX, the claim XXXX opened ( # XXXX ) is still open and the fraudulent charge is included to the statement balance. I have been getting the reminder of payment, even though this fraudulent charge should not be a part of statement balance. 

I have been asking for the answers to the questions below since the fraud happened. But no one answered me so far. 1 ) Why could the new card be used without being activated by me? 2 ) Why did American Express send such a card to me by regular mail? 3 ) The first claim went through so quickly, then why is it taking so long to close the whole thing? 4 ) What did American Express do between the time I contacted about the re-billing and XX/XX/XXXX? It looks to me nothing happened. 

The whole thing looks American Express wants me to give up and pay. They don't live up to their promise of 100 % fraud protection. I would like them to process the claim as quickly as possible, and give me the answers to the four questions above.
Product: Debt collection

THE COMPANY TRANSWORLD SYSTEMS INCXXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( XXXX ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of Federal Student Loans as of XX/XX/2023. I have given Nelnet with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take 6-8 weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting 6-8 weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! I have provided Nelnet with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. Exhibit A will provide proof of received document via XXXX. As well as Exhibit B - XXXX with Nelnet confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.
Product: Debt collection

This company has been contacting me for a debt I do not owe, this account is not mine, I have disputed the account multiple times. They are reporting XXXX different amounts, they are stating i owe, {$220.00}, {$300.00}, {$310.00} and {$360.00}. I have never opened an account with this company and would like this account removed from my credit reports this is a violation of Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal per 15 USC 6802. 
Upload to cfpb have u tried to remove : yes For inquiries use 15 USC 1681 permissible purposes : 16 cfr 313 privacy of consumer information
Product: Checking or savings account

On this day, XX/XX/2023 I found mail addressed to my name with a savings account debit card in my name established with Chime banking. I called customer service and told them the account was opened fraudulently and they closed the account this same date, and sent an email confirming its closure.
Product: Debt collection

To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # [ XXXX XXXX  ]. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process. As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law.
Product: Credit card

Recently, I opened a Bank of America 's ( BOA ) Travel Rewards VISA card for my international trips. However, every transactions outside the US instantly locked the card. For example, a {$6.00} usage at XXXX in XXXX, XXXX triggered the lock. 
Every time I have to spend 15+ minutes of waiting time to reach BOA for unlocking the Visa card.

I was told to log into the BOA mobile application locally before using the card but the tip has been proved useless. 
Hence, the Visa card has been locked many times and totally useable abroad. The whole purpose of this card is for overseas traveling.

I have spent days and hours everyday to reach BoA Fraud department to unlock the card. What a waste of time it is for everyone. Not only BoA can't provide a solution, but at the end they ask me to visit a local financial center with two photo IDs to validate myself. I am afraid they will ask me to fly to BoA 's HQ to validate myself. 
This is outrageous as all my domestic use of the card has no issues whatsoever. If BoA dislikes my foreign usage of the Travel Rewards VISA, why do they advertise falsely? BoA 's fraud detection algorithm is a harassment to the customers. 
I have XXXX XXXX XXXX and it works flawlessly. Please prevent BoA from advertising the Travel Rewards VISA falsely. It's only a XXXX XXXX. 
This is not the first time I notice unfriendly practice of BoA credit cards. When my son obtained a college Visa card the past summer. He couldn't use the card for the first month, we had to call many times in vein. And we visited a branch office at the end to make it work. BoA never puts customers ' interests in top priority.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

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 15 USC 1681, Section 602A, states I have the right to privacy.

15 USC 1681, Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than 7 years.

15 USC 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: Checking or savings account

Timeline of Events : XX/XX/XXXX - Forged checks under my name were created. XX/XX/XXXX - An unauthorized NEW chase account under my name was created and a debit card was sent to my house. The forged checks were deposited and attempted to be withdrawn, but Chase stopped the transaction. XX/XX/XXXX - Chase has identified unauthorized checks and asks me to contact them. XX/XX/XXXX - I contacted Chase and they could not verify my identity because I am located internationally at the moment. I contacted them several times and eventually shared all the information they required to confirm the false account is not mine. XX/XX/XXXX - My EXISTING online account is not working. When I contacted them, they said they have ended their relationship with me after people deposited and withdrew money in an newly opened account under my name. My existing account had XXXX and they deducted XXXX for issuing a check and have sent the remaining XXXX to me. As you can see, a NEW Chase account was opened under my name, but they closed by EXISTING account. First off, why did Chase allow a new account to be opened in my name? Second, when I inquired further, they closed my EXISTING account. My EXISTING account had nothing to do with this fraudulent activity. Why did Chase end their relationship with me so abruptly? Since the EXISTING account closed, which was my active bill paying account that I share with my wife and brother-in-law, we've had problems with bill payments ( many of them late ), deposits, etc. I could not access my history online and couldn't remember addresses to send bills. Chase has shut the door on me without any explanation and I want answers. Monetarily I can only ask for the {$24.00} fee that they deducted and the XXXX check that I never received. In addition, I want to understand why they decided to treat such a loyal customer like trash, and I wish I can paid for that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was hospitalized for an extended period In late XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with XXXX XXXX to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted XXXX XXXX and the reporting agencies. XXXX  XXXX long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX   I was told by Equifax that my file was being handled by a special department called consumer affairs. They told me then that it was indefinite and they had no time frame as to when it would be released. They stated that this is for my protection but it has been nothing short of a hindrance to me. I have waited 6 years and I am constantly inconvenienced by this department. They are rude and wo n't answer any questions regarding my file. I have asked to be removed and they wo n't. I ca n't even take advantage of online credit monitoring because they have my file locked. How is this legal or ethical. It 's my credit file and I have to work hard to even view it, then wait days for them to mail me a copy. How is this protecting me? Consumer Affairs is not a department that is for the consumer at all.
Product: Debt collection

I requested debt validation from TSI collections agency and did not receive what was requested. This collections agency stated that I have been notified via email with a demand letter ( not debt validation ) via email. What email? Where is the email receipt that I was given this info? when was the email sent? If this was in fact the case how does this collection agency have an email address on file for me as this information wasn't shared with this agency nor was there permissible purpose for my info to be shared. Violation 1. I was shown a statement, a statement isn't considered debt validation. Please provide me with the contract that I have between TSI & Myself along with my wet ink signature signed with an agreement with XXXX stating that you have the right to even collect this debt from me or share information. Where is purchasing agreement between you and the creditor that I allegedly owe money to? Again I did not receive proper notification of this debt and this company has no authority to furnish any account to a consumer reporting agency without proper documentation see 12 CFR 1006.34. This violates the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide requested documents, reporting the debt to credit reporting agencies without providing the documents, and failing to tell the credit bureaus this debt was disputed. See 15 U.S.C. 1692g ( a ) and ( b ), 1692e ( 8 )
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX. I was at my daughters yearly doctor appointment when I went Into my online banking account and noticed that {$720.00} was withdrawn from an ATM that was not authorized by myself. I had my card at the moment on me. I reported the fraudulent withdrawal to Chase bank ( J.P Morgan ) they cancelled my card and provided me with a {$720.00} temporary credit. And they filed a report to be evaluated. The first report was denied due to them saying it was a chip to chip transaction and pin being known. They withdrew the {$720.00} credit they previously gave me causing my account to go negative. I provided Proof that I was At my daughters yearly doctors appointment while this transaction was happening. I filed A second review and it was denied yet again. They stated that I have Used the bank which the fraudulent activity happened and the pin was known. Once again I was at my daughter pediatrician appointment 40 mins away while this fraudulent activity was occurring. I have Used that bank which the fraudulent activity happened before as well as many other Chase banks within the area. I have no history of fraud in years and no history of taking excessive amount of money withdrawal from an outside ATM. I always Go inside the bank if Im taking more than {$100.00} out of the ATM. Chase Bank will not reverse the claim and I am At a loss of money even though it wasnt my doing. Someone stole {$720.00} from me even though I provided Proof I was At the doctors appointment at the time this transaction was happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having hard inquiries dont know where they came from
Product: Money transfer, virtual currency, or money service

I was closed out of my cash app account for no reason and had money sent there.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is : USAA FEDERAL SAVINGS BANK- SAN AN # XXXX USAA approved a car loan in the amount of XXXX, and an individual that was not me retrieved the check and used it ; based on my investigation, the information listed on the check was not my name, but my social security number was used for the credit approval of the loan. This has been removed from my credit several times but continues to reappear. I have never signed any documentation and didn't apply for this loan. This account is fraudulent.
Product: Checking or savings account

Issues with ACH/direct deposit from my paycheck that should have been deposited on XX/XX/XXXX2024 at XXXXXX/XX/XXXX. I received an email at XX/XX/XXXX that day regarding the issue but no correspondence before the missing deposit or shortly after. No correspondence or information since that email was received. I am now negative XXXX dollars without a way to pay the balance of my rent or bills. It is now Friday XX/XX/XXXX, XXXXXX/XX/XXXX I am at risk of eviction at this point as my landlord was expecting payment yesterday ( pay day ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has placed another fraudulent medical charge on my account from XXXX for {$400.00}. I am unaware of this charge, the charge does not belong to me, and the charge is fraud / fraudulent. I don't even live in the state where the charge was made. My identity and identification had been stolen and used for years and still is, as I have reported to Equifax. Equifax is aware of my identity theft that I reported to them. I do not live in the state in which the charge was placed. I would like for Equifax to remove the {$400.00} charge. I have never had any dealings with the collections. The charge and account are fraudulent. Please remove from my credit report.
Product: Checking or savings account

I have a Reliacard though US Bank that my unemployment funds from COVID-19 while I have been out of work due to the virus. Back in XXXX I tried to use my card and it would not authorize. I went on my bank account online to see why this was happening and I found ~61 unauthorized transactions on my debit card that occurred in states that I have never been to. I live in Colorado and receive my benefits here. These fraudulent transactions occurred mostly in Ohio, and Illinois. The majority of the unauthorized transactions occurred at either XXXX, XXXX, or XXXX XXXX and almost every one of them is for the amount of {$20.00}. Overall I had around {$1300.00} stolen off my card. Many of them happened within minutes of each or at the same exact time at different stores. Some of these stores hours apart but processed at the same time. The dates these transactions occurred with XX/XX/2020 through XX/XX/2020. As soon as I noticed this fraudulent activity on my card I called the bank and notified them on XX/XX/XXXX, did not use my card after that, and requested a new card in the mail. I was told there would be an investigation and it would be resolved within 90 days. Low and behold it took the approximately 85 days to send me a letter in the mail saying that they found all the transactions to be legitimate. I was blown away by this as if you look though the statement even a child would realize that there was clearly suspicious fraud activity on my card happening out of my state. I never actually lost the card so I am unsure how my information was stolen but it was. I called US bank again upon receiving their letter and told them that I was not going to accept this resolution and that I demand getting my money back as this is my unemployment only that I am living off of during these tough COVID times. A supervisor said she would send in the dispute but does not know how long it will take to get through the system again. It has been 2 weeks now since I called to dispute their incorrect resolution. I am still missing all that money and have not heard a word through phone, mail, or email from the bank. That is why I am reaching out to you to help me get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed the company XXXX XXXX numerous times on my credit report due to them still reporting every month after we reached a settlement. It's still reporting negatively on my credit report monthly like it's still open and that's not fair. I already paid and settled this account. I also put security alerts and fraud alerts for all credit bureaus and someone was still able to run my credit fraudulently and bring my score down. This is not fair!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.