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

A new debit card with the logo visa was issued and was supposed to come in the mail, my account balance was {$16.00} but when I went to check it it was at - {$4.00}, when I saw my current bank statement it said that the debit card was used but I have n't received it which was odd. Called to the US Bank and was told someone activated my card and used it at a gas station which I knew I did n't make, the personnel at the bank told me that after various attempts to withdrawal money from my debit card failed because of the wrong pin number, the remaining quantity of {$11.00} was used. Then we proceeded to make a card fraud report with the bank via phone.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, Inc. ) Due to the inadequate customer service and unfair practices, which violated the Customer Service Financial Protection Act ( CFPA ). Specifically, cash app felt 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 requirement under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I've tried several times to access my account I'm a victim of identity theft I've been locked out of my account cause the banks representatives gave the thief all access of my account I received a letter today XX/XX/2022 stating my address was updated with Wells Fargo on XX/XX/2022 my tax return XXXX was direct deposited and a close family member fraudulently accessed my account and claimed my identity I've filed a police report XXXX XXXX went to visit my local post office to put a change of address and filed a form for the thief 's address they contacted Wells Fargo bank I've gotten a run around and just want my money and account back Wells Fargo bank will not acumadate me to treat me like the criminal I am the victim. So as of XX/XX/2022 I have no access to my account and have tried to resolve this matter but Wells Fargo has shown me they are not trying to handle this horrific situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. 

Very Respectfully, XXXX XXXX
Product: Mortgage

Mortage was switched from XXXX to Loancare in XXXX. We received paperwork stating such with instructions on how to set up an online account which didn't work so we continued to pay XXXX so we wouldn't miss a payment. This was the first issue. In XXXX our Taxes were due which is why we have an escrow account set up. Taxes were due in XXXX but not paid until XXXX. Once the taxes were paid, in XXXX we get a late payment notice about missing a payment and a ding on our credit report. But we had proof we paid the monthly payment. XXXX roles around the same thing. We tried contacting Loan care, kept leaving messages, and kept paying our mortgage payment monthly and they kept taking out the same amount from our bank every month. After five months of back and forth, with no answers except pay two payments and that  should take care of things they finally stated they had to refigure our monthly payment to cover escrow and that's what we were late on. Now that we are trying to purchase another house our credit, as far as getting another mortgage is concerned is ruined because it shows all these late payments. While we had continuously paid the same house payment every month the entire time. We want our credit history cleaned up!
Product: Checking or savings account

In XX/XX/2023, I hired XXXX XXXX XXXX XXXX XXXX to replace my roof. I gave them a deposit, and told them I was leaving town for hospital XXXX in XXXX and XXXX. 
While I was in the hospital, XXXX XXXX, with XXXX XXXX took an unauthorized XXXX transfer of XXXX from my account and another one for same amount. 

He then took XXXX from my XXXX. He had the number from a request to use my card to apply for a permit. His company removed my roof, and have never been back. They paid the subcontractors that removed my roof, and their checks were returned as insufficient funds. I have been without a roof since XXXX, and reported this to the XXXX XXXXXXXX XXXX XXXXXXXX Department here in XXXX XXXX, and the detective ( XXXX XXXX XXXX has issues XXXX to all parties. When I see the XXXX page for XXXX XXXX XXXX XXXX XXXX, I found many other individuals that this company has also stolen from. 
I have also filed a complaint with XXXX XXXX at the XXXX XXXXXXXX for XXXX XXXX. 
I have been in contact with the owner of the company, XXXX XXXX, and he has admitted to this fraud, but hired an attorney and said they will keep looking into this. His attorney XXXX XXXX of XXXX and XXXX in XXXX ( XXXX ) XXXX has emailed another letter admitting to their fraud, but just saying they keep looking into this. 

I am shocked that XXXX XXXX Bank did not notice the suspicious activity and did not follow the XXXX XXXX law here in our state. There are XXXX in deposits and XXXX checks on this person. 

I have contacted Wells Fargo, and sent a XXXX page file of images, letters admitting to this fraud, images of contracts, XXXX checks, unauthorized XXXX withdrawals, and Wells Fargo points at XXXX XXXX Bank for not recognizing the fraud, even though I feel I reported it within the time frame at Wells Fargo, and felt they should also have halted the transactions, and returned the withdrawals. 

XXXX XXXX did act immediately, and returned my funds. The banks should have been as honorable. I now will have to get a XXXX loan on a house that is paid for to get a new roof. I am a XXXX XXXX citizen, and would expect more from both the banks and the owner of the company. Shame on them all.
Product: Debt collection

AAFES/NEXCARD DEB XXXX ( Military Star Card/Army and Air Force Exchange ) appears on my 'leave and earnings statement ' from the XXXX XXXX . I am an XXXX, XXXX XXXX I enlisted XX/XX/1999. I have been the victim of improper debt collection practices many times by many companies, but this one requires action. This company improperly sent a letter to my place of business in an intentional attempt to get me in trouble at work. The letter was not even addressed to me, it was addressed TO my boss. Completely unethical and improper. Violated my right to privacy, and also the Fair Debt Collection laws not to harass a debtor at their place of employment. Then, after this company acknowledged receipt of my Chapter XXXX bankruptcy petition, in writing to my attorney, they filed a fraudulent wage garnishment against me and took over {$600.00} directly out of my check without warning. I have contacted the company both via telephone and in writing and they refuse to return the funds or assist in any way. Claiming dishonestly that there is no information on file for someone with my identifying credentials. They sure didn't have any trouble location my identifying credentials when they wanted to take money from me though. That evidences to me they are being dishonest, and there is proof they took money when they should not have because they already acknowledged receipt of the Chapter XXXX documents in writing TO my attorney which he showed me at the courthouse. I need my funds returned to me expeditiously, and I hope your organization will look into how this company has hammered down the harassment of XXXX XXXX soldiers and their families for many, many years. In fact, there needs to be a serious investigation into how every company that abuses putting the vocabulary 'military ' or 'XXXX   XXXX ' in its name abuses that vocabulary to purposely mislead soldiers into thinking they possess the ANY authority of the United States Military when they absolutely do not, and, they need to be stopped from harass soldiers and their families on XXXX XXXX at their place of business purposely trying to cause the soldiers command to issue an order of payment of debt when there is no legal pressidence to do so.
Product: Credit reporting or other personal consumer reports

I was filing a dispute with Transunion. The website clearly states that the consumer will have an opportunity to attach supporting documents prior to submitting the dispute. I went through the dispute process from the beginning 4x and there clearly was not an opportunity to attach documents prior to submitting. Secondly, I tried to reach someone via online chat, the estimated wait time was ten minutes, I waited 27 and the browser closed out. Finally, I attempted to contact them through their " contact us '' page. I completed all the required fields and wrote my grievances and hit submit. I then got routed to a page which requested additional information that WAS NOT prompted on the prior page. It was not requested, it was not there, I have screen shots of the whole incident. I can not make the case for my dispute without the furnisher of the information receiving the documents alongside the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Beaures are refuding to delete these inquiries due to IdentityTheft!! 

XXXX XXXX XXXX XXXX XXXX XXXX I am attaching my identity theft report to prove it!!!
Product: Debt collection

i open an account with XXXX XXXX XXXX in XXXX the the account was charge off in XXXX seems like the debt was sold to many debt collecting agency, XXXX XXXX file a judgement against me in XXXX for missing a court date which i dont know about, are the court serving me any summons. 
i was in court XXXX of this year where the court set a date for XX/XX/XXXX, XXXX XXXX send me some documents which was a bill of sale and a chain titles, which was not print properly and one of the document has no signature, and exhibit A document is missing to show who really owns the debt. 

i went to court XX/XX/XXXX because there was a judgement the judge refuse to see the faulty documents, and i have to return to court XX/XX/XXXX for a payment review, also the same company XXXX XXXX XXXX sending me a new credit card in the mail i would your consideration of this matter thank! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ashley Homestore is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. Ashley is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with XXXX & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : Names ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The following accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$620.00}.
Product: Debt collection

XX/XX/year> filed dispute and requested documentation to verify debt, never received any then within 3 days experience dismissed within any proof of investigation
Product: Money transfer, virtual currency, or money service

I did an international online money transfer with Moneygram on XX/XX/2020 with an expectation that the recipient would receive the money within minutes. The recipient contacted me to say that Moneygram to date has not transfered the funds to the recipient. I tried to cancel the transfer online. My moneygram receipt states that I could cancel the transaction online. However, there is no provision to cancel this transaction online at all. I called Moneygram several times and asked why I was not able to cancel online on their website. They are aware that I could not cancel online even though my receipt says that I could. 
I have requested several times for a transaction refund from Moneygram, via online chat, telephone and also registered a complaint via they're website. All this is to no avail. After six days of waiting for my refund. Moneygram continues to not provide my refund as requested.
Product: Checking or savings account

Hello! I received two messages recently about accounts being opened in my name. THe first was from US Bank on XX/XX/XXXX. I received an automated text message. When calling the help number I could not get through. I emailed them immediately and reported it as fraud. The second was a phone call from XXXX XXXX XXXX XXXX XXXX today, XX/XX/XXXX. I let the person know calling that I did not open an account. She directed me to freeze my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX is reporting me as late on one of my credit cards ( more than 30 days ). I have never been late. I submitted the information to all 3 Credit Bureaus, called customer service at XXXX XXXX and confirmed I was never late 30 days. They had a department I could not speak to and could only send registered letter and information. 

I provided statements to the credit bureaus and copies of my bank statements and sent the same to the department at XXXX XXXX. 

They are still reporting me as late.
Product: Credit card

Around XX/XX/2023, the credit union informed me of a fraudulent transaction of {$21.00} from XXXX. My credit card was canceled and a new one was issued. I filed a dispute and provided info to the credit card people via phone. Many months later I noticed that they never reimbursed my payment. 
Seven months later I just noticed a similar fraudulent charge from XXXX of {$21.00}. I contacted Alliant XXXX by phone and provided them the information for the complaint because they would not allow a dispute of a fraudulent transaction online!!! I also contacted XXXX via the web and the XXXX company. XXXX keep me on the phone for 15 minutes trifling with me, then just hung up. 
At this point I'm wondering why they did not inform me of the fraudulent transaction and we checked about the repayment of the other fraudulent transaction in XXXX. No payment back could be found. 
They also ran me around in circles transferring me from one person to another. 
Outrageous that they should have a " {$0.00} fraud liability guarantee '' yet make sure you can't dispute fraudulent charges without going to great effort. They they just sweep things under the rug, not standing up to their policy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Re : Request for Removal of Charge-Off Account Account : XX/XX/XXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report under the account listed above. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., I am exercising my rights under federal law to challenge the validity and completeness of this account 's reporting.

Under Section 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the investigation they conduct within 15 days of receiving a consumer 's dispute. Therefore, I request that you initiate a thorough investigation into this account 's history and provide me with the following information : 1. The Original Creditor 's Verification : Please verify the accuracy of the reported information with the original creditor, including the date of first delinquency and the accuracy of the balance owed. 
2. The Date of First Delinquency : According to my records, the date of first delinquency and subsequent charge-off may have been reported inaccurately. Please confirm this date, as it is critical in determining the reporting period.

3. Verification of Account Status : The current status of this account appears inconsistent across the various credit reporting agencies. Specifically : o XXXX reports the account as Charged off as bad debt with a derogatory rating and mentions Dispute resolved ; customer disagrees. 
o XXXX reports Subscriber reports dispute resolved - consumer disagrees, noting an unpaid balance reported as a loss. 
o Equifax lists the account as Amount in high credit original charge-off amount and mentions Consumer disputes after resolution.

4. Inconsistent Payment Histories : The payment history reported by XXXX, XXXX, and Equifax varies significantly, reflecting discrepancies that cast doubt on the accuracy of the account information. 
Given these inconsistencies, I believe that this charge-off account may not be reported accurately or in full compliance with the FCRA. Therefore, I am requesting that this account be removed from my credit report immediately, or that you provide conclusive evidence to support the continued reporting of this account.

If you are unable to verify the accuracy of this account, I expect you to remove it from my credit report within the legally mandated 30-day period. Additionally, please provide me with a copy of the detailed investigation report as required by Section 15 USC 1681i ( 7 ). 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your receipt of this dispute and the results of your investigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX
Product: Consumer Loan

I went to XXXX XX/XX/XXXX to purchase my second vehicle. I filled out an online application and specifically said in the comments section, I only wanted my credit ran with the company that I previously used during my last car purchase. I repeatedly told the car dealer I did not want my credit ran more than one time only. After getting the call that I was denied, I viewed my credit report and saw that they had ran my credit over 5 times. During further investigation I found out my last car purchase there back in XX/XX/XXXX, they ran my credit 10 or more times against my wishes. I repeatedly called the car dealership and still have not received a response from the general manager. So I called corporate and still have not received any call back. I contacted the companies they ran my credit with, and I was advised to file a complaint. I even sent a certified letter to the dealership, and still no response.
Product: Debt collection

This has to do with XXXX collection agencies. Diversified, XXXX, and XXXX. They are all telling me that I have not paid debt in full. I do have Bank proof that I have made all of my payments. On XXXX I called Diversified several times to resolve this issue, and all they could do is threaten me with my Credit Report. Every time I tried to explain they again threaten me with Credit Report. I asked for XXXX 's phone number so I could talk with them and they refused to give the number. Told me to google it. I have called XXXX and continualy and they tell me that it has been turned into collections and I have to deal with collection agency. One other thing I was told, was NOT to keep calling them. So I told them the same thing stop calling me all the time. I also asked to speak with a supervisor and was also refused this opportunity to speak with someone in charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I cancelled my old auto insurance XXXX XXXX XXXX. Co.policy # XXXX with plenty of time to switch to my new auto Insurance XXXX XXXX Direct Auto policy # XXXX. They have inaccurate information reporting that I failed to pay a balance of XXXX when in reality they failed to accept my auto insurance cancellation request. I made the request in a timely manner to avoid any problems. I asked XXXX to forward my new policy to XXXX, they assured me that they would forward the proof on my behalf. XXXX clearly did not uphold my request to cancel my policy with them. This is why I am disputing their inaccurate information put on my credit report. 
This inaccuracy has affected my credit which has been denied in the last 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit Reporting act XXXX  Account 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 a account without my written instructions.