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

I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK INXX/XX/2005AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX BANK XXXX XXXX XXXX  ACC NUMBER XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX/ XXXX XXXX Account Number : XXXX CREDIT INQUIRIES COMPLETE DEPARTMENT STORES, XXXX  XXXX BANK XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

On XX/XX/XXXX my fiance had sent me money on chimes new send to anyone including people without chime accounts, when I received the money it said to put in my debit card info or open up a chime account and earn XXXX bucks, I did some research and decided to go ahead and open an account, so everything was farely easy to open the account and my XXXX dollars was deposited in my new chime account. The next day I went to go buy a shirt from XXXX and when I went to pay with my XXXX play using my chime account it said declined so I panicked and not only that was extremely embarrassed and laughed at. So I went to my phone and tried to log in and boom it said my account had been frozen,, so I called immediately and they said it was no problem just to send in my ID mail and second proof of ID, so I got home and did just that but then all the sudden it wasn't good enough they need something else, in the United States of America birth certificates are considered XXXX form of identification but nope chime wouldn't except it, but I tried to explain I lost everything in the XXXX Oregon fires and ATM its all I had, plus they wanted a bill XXXX my name but at first it was any kind of mail the only problem I have is I'm living with my sister because like said my fiance and I lost our home in the fire so I don't have any bills in my name or they wanted a banking statement but I wouldn't be banking with chime if I had XXXX, so I told them the unemployment letter was from the government and that should be just as good as an electric bill, plus I explained that I just got this new job and the money my fiance sent was also supposed to get me to work and my kid to daycare well they couldn't care less, so i finally got a bank statement mail from a bank account I don't use anymore haven't for sometime but it was a statement like they said I could use but then that wasn't good enough, it's been this huge run around, every time I call they say someone from the review team will contact me in the next XXXX hrs and it never happens I sent them the receipt and stuff from the XXXX XXXXy XXXX saying this was proof until I receive my card and that's still not good enough, they haven't even responded to me in weeks, I don't understand what else to do, it's crazy that their really just gon na keep money that's not theirs, something needs to be done and they should be held accountable for their mistakes, as of now my hours were cut at work cause i didn't have gas to get there and to take my kid to daycare so now I've fallen back in a financial hole all thanks to chime and their uncaring ways, I just want my money or if it's such suspicious activity then give the money back to my fiance I mean if I was scamming the best thing they should do would be give the money back to the person who sent it
Product: Money transfer, virtual currency, or money service

I submitted a claim with Wells Fargo on XX/XX/XXXX about a scam/fraud I was victim of which utilized XXXX - I paid {$500.00} as a security deposit for a rental property another individual claimed to be the owner of and listed the property 's address and " deposit '' in the transaction description. It turned out this person was not the owner of the property and created a fraudulent lease which I signed. 

I had a fine experience submitting the claim and was told I would hear back from them within 10 days. On XX/XX/XXXX I called again referencing my claim number stating I had not heard back. I can confidently say this was the worst customer service experience of my life. The representative I spoke with repeatedly told me how I was wrong and essentially blamed me for not understanding what was going on. She expressed zero empathy for my situation and gave me no indication that she wanted to help me resolve my problem. She belittle the fraud that I was a victim of and pointed out how it was solely my fault for not reading the " big red letters '' as a part of their user agreement. I just stated that since this application had the banking information of the other party, I hoped they could help me in tracking that down. I had a police report filed and I would like them to assist. She told me that Wells Fargo is not reliable and that she couldn't even tell if I was really scammed or not. After being repeatedly cut off and her raising her voice, I raised my voice back and said I want to speak to a supervisor. She threatened to hang up the phone on me and said she couldn't connect me to a supervisor, even though it was roughly XXXX XXXX XXXX, where Wells Fargo is headquartered. I was directed to her supervisor 's voice mail and shared my thoughts there. 

It was truly humiliating working with someone with such disregard for an unfortunate circumstance. Wells Fargo has in my opinion made no attempt to help me find the person responsible and get my {$500.00} back. Ironically, I'm currently in the process of getting a mortgage on a new home with Wells Fargo and have had a great experience with the bank until now.. But, I'll have to reconsider that after this encounter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items on my credit report with XXXX, XXXX XXXX and Experian on the following dates. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 The only bureau to respond has been XXXX. XXXX has deleted all of the erroneous accounts. 

XXXX XXXX and Experian have not investigated or responded
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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
Product: Checking or savings account

ON XX/XX/2024 I WENT TO THE ATM MACHINE OF THE BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX -- -- I TREID TO WITHDRAW {$1500.00} -- THE MACHINE WENT THROUGH IT'S NORMAL PROCESS UNTIL IT GOT TO THE END TO DISBURSE THE FUNDS -- NO FUNDS CAME OUT OF THE MACHINE AND ON THE ATM SCREEN IT STATED THAT MY TRANSACTION WAS CANCELED AND I WOULD RECEIVE MY FUNDS BACK IN MY ACCOUNT. ALTHOUGH I THOUGHT IT WOULD BE IMMEDIATELY- IT WASN'T. I WAITED UNTIL THE NEXT DAY XX/XX/2024 TO CALL AND SUBMIT A CLAIM -- WHEN I WAS TOLD THERE WOULD BE AN INVESTIGATION AND A TEMPORARY CREDIT WILL BE APPLIED TO MY ACCOUNT IN A DAY OR XXXX -- -NOTHING HAPPENED. SO, I HAVE CALLED EVERY BUSINEES DAY SINCE -- STILL NOTHING -BUT TO TELL ME THAT THE TEMPORARY CREDIT HAS BEEN APPROVED AND THEY HAVE UP TO XX/XX/2024 TO GIVE IT TO ME. I EXPLAINED TO THEM THAT THIS WAS MY LAST AMOUNT OF FUNDS I HAD TO LAST ME SOME TIME AND IT WAS VERY IMPORTANT FOR THEM TO ASSIST ME IN GETTING IT RIGHT AWAY- ALL THEY COULD DO IS TO IT KEEP REMINDING ME THAT IT WAS NOTHING THEY COULD DO BUT WAIT ON A CLAIMS TEAM. I CAN'T BUY GROCERIES-PAY BILLS OR TAKE CARE OF MY EVERYDAY ACTIVITIES. I FEEL THAT THIS IS A HUGE MISTAKE ON BANK XXXX XXXX PART- AND THEY NEED TO FIX THIS -- THEY ALSO SAID THEY WILL COMPENSATE ME FOR ANY LATE FEES THEY XXXX OCCUR DURING THIS PERIOD
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a auto loan thru Westlake financial that resulted in a repossession. They then got a judgement and garnished my paycheck for the remaining balance. After completing the garnishment and informing that is was complete they updated the credit listing to show a remaining balance of XXXX  dollars. I have spent 4 months contacting them trying to get this corrected to XXXX  as it is still reporting as past due. I have not been given a opportunity to pay XXXX  dollars or any way to remove the remaining balance from my credit report. I have disputed the balance multiple times with credit reporting agencys and they keep verifying it as accurate. I just want the balance adjusted to XXXX  and the account has been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX  XXXX XXXX Balance : {$7.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00}.
Product: Student loan

From XX/XX/XXXX-XX/XX/XXXXI attend XXXX XXXX College ( University ) XXXX Ma, and from XX/XX/XXXX-XX/XX/XXXX Attended XXXX XXXX  College XXXX Ma. I do not recall signing loan checks etc or paperwork for loan payments for the schools to receive payments. After graduation, I struggled to make payments but I did for several years. There was a time I had to file bankrupty for many factors, one I could n't find a job that would offer the salary that would allow me to live normally. Regardless of what the college said of " preparing me to receive a high paying job after graduation. '' I ended up in financial debt and had to file Bankrupty. I reached out to XXXX XXXX and they did not offer any solutions. After some time, they finally offered me different payment options. However, the payment plan was not reasonable and was very high. Deferments and forbearance only took a loan about 10,000 originally, and now it 's over {$33000.00}. Due to other hardships, I have not had the ability to " catch '' up nor have the ability to pay this loan. They have not returned my calls and not have been helpful. I feel as I was taken advantage of financially. They did not reasonably help me find a financially sound way to help me with this debt. It is now three times this size and only increasing. They did not give me options but only profited over the years on my hardship.
Product: Debt collection

President Biden and US Congress do not allow any apartment management to harass a single parent who raises XXXX kids successfully during pandemic. I did not owe anything. We used one room. ( another room for other person ). A single parent and my kids have nothing to do with another person in another room. Harassing a single parent with XXXX kids should be halted. 
President Obama and First Lady XXXX XXXX  sent me a letter in person through US congresswoman XXXX XXXX for my daughter XXXX and me. 

Federal agency should instruct apartmanagement to stop harassment a single parent with XXXX kids who is US armed force veteran. 


As a single parent with XXXX kids, I try to buy a home in rural area, national credit system ( XXXX XXXX XXXX ) information in credit report should be removed to apply FHA loan, VA loan and USDA loan. 
Halt XXXX hate crime or Discrimination against XXXX Americans ( a single parent with XXXX kids ).
Product: Money transfer, virtual currency, or money service

I am unable to use the XXXX app due to PNC bank changing things.
Product: Credit reporting

An original complaint was filed in regard to the negligence of Transunion to investigate errors on my credit report on XXXX XXXX, 2016. In a response to those issues in complaint # XXXX, Transunion is choosing to extend time to investigate disputes it has not investigated. Simply because the company has provided no proof it ever investigated. However, upon receiving claims dated XXXX XXXX, 2016, that XXXX accounts are deemed frivilous due to their classification as already investigated is false. See Attached. In any event, these arbitrary action will be met with equal resistance toward compliance. Thank you in advance for your prompt response.
Product: Bank account or service

I have a Paypal account, reluctantly, because it is necessary to have a Paypal account to sell an item on eBay. I filed a previous complaint about this Paypal account with the CFPB because Paypal would not mail a check to me with the account balance. To retrieve my money from my Paypal account I created a special purpose bank account and linked it to the Paypal account. I was able transfer the balance of my Paypal account to my bank and withdraw the money. I sold another item on XXXX XXXX and the buyer paid for the item + the shipping by Paypal. When I printed the mailing label thru eBay, Paypal tried to debit the linked bank account {$2.00} for the shipping, even though the buyer had deposited funds for shipping in my Paypal account. I also had a credit card on file with Paypal. When I linked my bank account to Paypal I did so only to receive the funds from my Paypal account. I did not knowingly authorize Paypal to withdraw funds from my bank account and I would never do so. Paypal 's attempt to withdraw the shipping my my bank account was an unauthorized wire transfer transaction. Because there were no funds in the bank account linked to Paypal ( on purpose because I do not trust Paypal or the Paypal security ), my bank denied the debit and charged me {$32.00} for insufficient funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Shows Late/Charge off. This account was never late. 

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 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to mXXXX XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.