23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The account that is being reported on my credit reports are a result of identity theft Discover Financial Services is claiming that I owe {$4700.00} as of XX/XX/2019. I previously sent them documentation that included an approved police report and an FTC report showing that this was a result of identity theft.
Product: Money transfer, virtual currency, or money service

I am filling 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 there 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: Checking or savings account

Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Hi XXXX, Re : CFPB Regulatory Customer Complaint and Robinhood Case ID : XXXX Thank you for bringing this matter to our attention and please accept our sincere apology for any inconvenience this matter may have caused you. Our staff diligently looked into your concerns received in your CFPB regulatory customer complaint. Please see below for more details. On XX/XX/XXXX a transfer from your bank account ending in XXXX totaling {$5000.00} was reversed by your bank from your Robinhood Spending account. As a result, your Spending account entered into a deficit totaling {$4900.00}. Following the reversal, XXXX transactions occurred on XX/XX/XXXX and XX/XX/XXXX totaling to {$0.00} and {$430.00} respectively. This resulted in a total deficit of {$5300.00} in your Robinhood Spending account. The deficit on your account was unresolved for a total of approximately seven months. In order to resolve the deficit on your account, Robinhood initiated two transfers from your Robinhood Brokerage account to your Robinhood Spending account. The first was initiated on XX/XX/XXXX totaling {$0.00} and the second was initiated on XX/XX/XXXX totaling {$5300.00}. Since then, the deficit on your Robinhood Spending account has been resolved. We hope this clears up any remaining confusion around the transfer from your Robinhood Brokerage account to your Robinhood Spending account. If you have any further questions or comments regarding this matter, please do not hesitate to contact us at XXXX. Sincerely, Robinhood Support This is not the case, I did not authorize or agree to this or for the reversals, they deactivated my account and refused to investigate the disputes as my account was taken over. They feed use to get on the phone with me, if this company refuses to respikve this with me I will have a police report drafted and would like to subpoena all evidence for discovery.
Product: Checking or savings account

On Friday XX/XX/XXXX I received a fraud alert message FreeMsg : XXXX Confirm It. Did you use your card XXXX on XXXX {$4700.00} XXXX 'S DISCOUNT? Reply YES/NO, STOP to end fraud alerts, HELP or call ( XXXX ) XXXX. I immediately called the bank as I didn't make the transaction. While speaking to the rep she said your account is at {$0.00} lets go through your transactions at which we did and she found that there were several transactions I didn't make. Claim was opened for acct ending in XXXX. Claim number XXXX. The charges were for XXXX and XXXX from the XXXX of XXXX to the XXXX. I called several times because allowing the unauthorized charges caused a dire situations of me being unable to feed my children. I called in today and was told my case was closed because a text alert was sent to me on XX/XX/XXXX which I never received. I also have a police report for the charges. Due to XXXX allowing my funds to be taken and then making the inaccurate decision that I made the transaction. 

Huntington bank obviously agrees with ripping off their customers.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b XXXX XXXX XXXX are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in removal the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$470.00} XXXX COLLECT ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX  XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX AV XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX XXXX I reported unauthorized transactions on my credit card account number ending in XXXX with XXXX XXXX XXXX Per usual they advised me that they cancelled the card and entered a request to dispute charges. I declined to getting a replacement card sent because the card was initially stolen from my mailbox when Citibank mailed me a card that was already activated making it easier for someone to use the card. After a week and half of not hearing back from Citibank I decided to give them a call and follow up on the claims, and also on a credit alert that I had received regarding the account, only to be told that the claims were never inputed, they also pressured me into getting a card deliver by giving me the option of sending the card to a different address or sending it to my address on file but this time instead of sending it pre-activated that they would send it not activated, so I said yes and regarding the credit alert I told them the alert said I had closed the account. They advised me that it was because the old credit card account was closed but a new one was open for which they were getting ready to send me a card. I even received emails regarding the replacement card being on its way, and to notify authorized users that the account number had changed. Again they advised me to wait for the card in the mail. 

A few days later, I heard back from the claims that they were honored and the charges were reimbursed. However, two weeks went by and I had n't receive the card so I started getting worry thinking maybe it was stolen again. Therefore, I got on the phone with Citibank to find out that there was never a card being send to me because the account was actually closed off and that if I needed to reopen the account that they needed to pull my credit and caused me an inquiry on my report. 

Not only did Citibank closed my account improperly, the employee during my second call around this incident lied to me or gave me false information when she " reassured me '' that the account was n't closed and that the cards were on its way. This card was also one of my oldest credit cards and having the credit history of this account removed from my credit has affected me terribly. This mistake by Citibank and its employees cost me a declined in credit score. Citibank refused to open the card unless I gave them authorization to pull my credit which I opposed to because that would only affect my credit even more and it was one of their employees that made a mistake, I never requested for the account to be close. In fact, if conversations are really recorded you will find proof in my initial conversation with the bank that I was not requesting the account to be closed, because the representative did you that terminology. Therefore, to clarify, I stated that I was requesting for the card to be cancelled and not the actual credit card account and the individual seemed to understand. 

Citibank refuses to take any responsibility for the issue.
Product: Debt collection

LVNV Funding LLC : I am writing to formally dispute inaccurate information reported on my credit report by LVNV Funding LLC. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety. The collections account in question is reported by LVNV Funding LLC and appears on my credit report with the following details : reported on XX/XX/year>, with a balance of {$1400.00}. The account status is listed as " Open, '' with the highest balance of {$1400.00}, and is marked as an individual responsibility under the remarks " Placed for collection. '' The original creditor name is XXXX XXXX XXXX XXXX XXXX, and the account was opened on XX/XX/year>. I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from LVNV Funding LLC, as required by FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is no record of any outstanding balance of {$1400.00} from XXXX XXXX XXXX XXXX XXXX on my end. The presence of this incorrect collections account is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, highest balance, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

XXXX XXXX {$5000.00} was transferred from my sons checking account to my business account. 
I did not authorize that transaction. 
XXXX Zelle transactions were taken from the account to take the {$5000.00} out. These transactions were not authorized. 

The bank denied my fraud claim and Zelle could not be reached to return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$320.00} XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a federally protected consumer. XXXX was notified of a dispute of account with Capital One Bank NA Account number XXXX on XX/XX/22 XXXX has notified the consumer that they have completed the dispute XXXX has failed to make it clear if they deleted updated or whatever action has been taken with said dispute being complete pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, 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 who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPIEIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND CAPITAL ONE SHALL BE DELETED PERSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULTEC FROM IDENTITY THEFT
Product: Debt collection

This company is cherging me {$300.00} for a XXXX phone bill i never had in XX/XX/XXXX. I have been using XXXX XXXX since XX/XX/XXXX and they are claiming i have an unpaid account from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked up my credit reports and seen I had late payments on my student loans. I work very hard to make sure that I pay all of my bills on time and hate that my credit is being ruined over something that is not true. I have tried calling and sending letters to get the situation fixed but I'm getting the run around. I sent my lettersXX/XX/XXXXstill no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened Student loan account with XXXX XXXX on my Name. and took XXXX . The account was opened on XX/XX/2021. 
I noticed this fraud account on my credit report on XXXX XXXX and disputed the report with TransUnion. TransUnion simple reported information correct and did not remove the account. 
I have also contacted XXXX XXXX and tried to explain to get more details and close the account but did not received any good response. 
-- -- - Below is information I see on my credit report -- Account Number XXXX Creditor 's Name XXXX XXXX Type of Industry Personal Loan Companies Address XXXX XXXX XXXX, XXXX , UT XXXX Account Balance XXXX Payment Status Current Creditor 's Preferred Contact Method Other
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the XXXX and Experian got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated.

I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY and send me {$1000.00} for all damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXXXXX XXXXXXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX CXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance XXXX {$940.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

XX/XX/2020 To Whom It May Concern : which you claim I owe {$920.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XX/XX/XXXX and XX/XX/XXXX) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XX/XX/XXXX
Product: Credit card

I am listed as an authorized user on my husband 's credit card account. I did not give my consent to be an authorized user for Wells Fargo and XXXX XXXX. I discovered that my personal information was used when it appeared on XXXX XXXX. I want these credit cards removed off of my credit report. also, I want the hard copies inquiry removed from my history.