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

All is attached with Police Report I am submitting due to the police department not being able to obtain information to solve problem. At some point in XXXX, someone took over my mobile phone and even a man answered a call when my daughter called me. She called again and I answered, and this is when everything started to happen. This " hacker '' withdrawing funds from Bank of America, accessed our XXXX account I am submitting this complaint because, Bank of America refuses to replace my funds from the point of the first withdraw.

Even working with Bank of America to put methods in place to stop the withdraws they continued to allow more withdraws. See police report attached that include all the funds that have been stolen and I have not been able to have my funds restored and the banks are not cooperating.

When contacting CFPB on Complaint Number XXXX in XX/XX/year>, I had received calls from ( 2 ) different Bank of America executives speaking angrily that I put in this complaint and accused me of taking the funds, after everything was well documented and told me that they would not respond to CFPB.
Product: Money transfer, virtual currency, or money service

Unauthorized transaction in the amount of {$5000.00}.
Product: Debt collection

XX/XX/2020 XXXX XXXX and Mazda Financial Services presented me with a false and deceptive piece of documentary evidence presenting itself as a Consumer credit transaction. I proceeded with the transaction only to find fraud committed against and my Consumer rights violated pursuant to the Truth In Lending Act, Fair Debt Collection Practices Act, Fair Credit Reporting Act & the Equal Credit Opportunity Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a transfer through XXXX of {$290.00} was done on my account. I had only ever used XXXX twice back when I lived in California, and normally avoid it as it isn't safe, so seeing XXXX be used while I was here in Tennessee was a huge red flag. 
I filed the fraud report shortly after once I noticed the transfer, hoping Navy Federal would at the very least be able to provide me the needed information to file in small claims if they were unable to perform a charge back. It was also at this time I noticed my XXXX account was restricted, as if it had been breached or broke the ToS. Navy Federal 's fraud department also immediately deactivated my debit card without warning or notice.

According to Navy Federal 's fraud department, only my device signed into my XXXX account ( Navy Federal has built in XXXX XXXX, so there was no possible way fraud had taken place on my account.

Navy Federal also refuses to provide me the information needed to identify the individual the money was sent to so I can file a police report/small claims case.
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB From XXXX XXXX XXXX Dated XX/XX/XXXX To Whom it may concern, I am writing this correspondence in the hope that you can get a 30-day delinquency error removed from my Credit Report. XXXX XXXX XXXX  made a posting error and posted my payment to one of my other four XXXX XXXX XXXX accounts and sent me a two refund checks and marked the account in question 30 days late. I have written to them several times and call them with luck, they sent me a letter ( attached ) stating that the delinquency was reported as accurate.This is not the case, They made the error in posting the proper account To : XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX From- XXXX XXXX SS # XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Fl XXXX Dear XXXX XXXX XXXX, Im am writing you this letter to advise you of a posting error that has occurred on my account ending in XXXX XXXX XXXXThis account was reported 30 Days late on my credit reports and Im am requesting that the 30-day delinquency be removed and listed paid as agreed. I was notified via of email by Experian Credit Reporting service on XX/XX/XXXX XXXX this XXXX delinquency and immediately called your bank. 
I received a refund Check/Overpayment check dated XX/XX/XXXX ( XXXX XXXX  Check Number # XXXX ) in the amount of {$190.00} ( See Attached copy of Check ) that was posted to XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX. 
I received a second Refund /Overpayment check Dated XX/XX/XXXX in the amount of {$190.00} from XXXX XXXX XXXX XXXX your Check number # XXXX. This amount ( {$190.00} ) was posted to account # XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX ( The account marked 30 days late ). Causing the account to go delinquent. My other accounts with XXXX XXXX XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely 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 violates the consumer financial protection act ( CFPA ). Cash app failed to take 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: Checking or savings account

Ill have been working for two different families from SoFi and they deposit money into my accountXXXX  so fi has closed my account and will not give me any of my funds its almost XXXX  in my account. They say they investigated my account and I will not be given any of my funds thats not right when the account is in my name and the money is mine I want all of my money
Product: Checking or savings account

I opened a new savings account with Ally Bank and deposited {$50000.00} by ACH transfer from XXXX  XXXX XXXX in XX/XX/XXXX in order to qualify for a 1 % bonus incentive plan ( in addition to their normal savings interest rate ) which required new money to be deposited and kept in the account until XX/XX/XXXX. The incentive program was to pay a 1 % bonus up to {$500.00} which was supposed to be paid by XX/XX/XXXX. The bonus hasn't been paid to date despite two inquiries I made to the bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. As a result, the following fraudulent accounts have appeared on my credit report without my authorization. I request that these accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2500.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$750.00}
Product: Credit card

XX/XX/year>XXXX  letter came in the mail denying my application for a Lowes card through Synchrony Bank. 
Multiple issues : Letter was addressed to my nickname as first name, previous last name, incorrect street #, and said I was denied due to bankruptcy. I have never had a bankruptcy and I did not apply for a Lowes card.
Product: Credit reporting

I have unauthorized credit inquiries on my Experian Credit report Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I request the immediate removal of this account from my credit report as it is damaging my reputation and financial opportunities. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), I am entitled to accurate reporting, and this account is causing undue harm, including higher interest rates, inflated insurance premiums, and barriers to employment and credit access. This error delays my financial goals and violates my rights. Please correct this promptly.
Product: Debt collection

I am a victim of identity theft and a fraudulent account was opened under my name with XXXX XXXX in XX/XX/2023. I submitted the appropriate police report and proof of identity theft and this account was verified by XXXX XXXX to be fraudulent as a result of identity theft in XX/XX/2023. I was told by XXXX XXXX at that time 6 months ago that this would resolve the issue ; however, XXXX XXXX still incorrectly instructed the debt collection company they use ( Waypoint Resource Group ) to collect the fraudulent charges from me. I have tried to reach out to Waypoint ( the debt collection company ) 10 times by phone, 3 times by email, and 4 times on their online portal and have gotten absolutely no response. I have never been connected to speak with a live person over the phone and as soon as the recording tells you that " You are about to be connected to a live representative over the phone '' the call beeps and gets dropped. I have reached out to XXXX XXXX multiple times ( who I have read is responsible for taking care of these communicates between their debt collector ) ; however, all 6 different representatives that I have spoken with over the phone with XXXX XXXX have told me that I have to speak to the debt collection company myself. As a result of this inability to get any response from the debt collector, and these continuing outstanding fraudulent charges under my name, my credit score has dropped XXXX points in the past 4 months from XXXX to XXXX. My husband and I are trying to buy a house because XXXX XXXX XXXX ; however, the mortgage loan companies have told me that we need to get this issue with my credit score ( caused by these fraudulent charges ) resolved before we can make an offer on the home we would like to purchase. I appreciate your help very much. Thank you for helping me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau because I had 4 fraudulent accounts from XXXX XXXX  they were taking off my credit report because they were proving to be identity theft. One month later they were placed back on my credit XXXX XXXX account from a company named XXXX XXXX. Please investigate into this because under my fcra this should have not occurred so can we please look into this as soon as possible Thanks
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I called the XXXX XXXX number that I got of of XXXX site, because I was having issue with sending my brother some money it was not allowing me to.when contacting them and letting then know what my issue was they asked for my info, Then they had told me they did not see any issue and for me to contact my brother and let him no the cash app was sending him a link that he needed to go to see if the issue was on his end once he open the link they had access to his cash app. They had me try to send him the money once more to see if it was working, once the transaction went thru we got off the phone .Then when we were done with the call me and my brother had money taking out of are bank accounts due to are cash app was connected to are checking account.All amounts on this day was for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Once I notice that money was taken out my account I called my bank and they said they couldn't do anything because he showed it like I sent it but I didn't. They told me to contact cash app back to let them know what happened. I didn't call them back because what happened when I called the first time.I just want my money back.
Product: Credit reporting or other personal consumer reports

My identity was compromised by Experian, XXXX and a few other secondary reporting companies and I want to file Fraud bc none of it is legitimate...
Product: Money transfer, virtual currency, or money service

I was scammed on XXXX through a XXXX XXXX  group. Someone put up equipment for sale, which I sought to purchase. I had purchased gear through this group before without issue. I worked with the person on XXXX, and once they got half the payment, they sent me a bogus tracking number which did not work and then disappeared off XXXX. I reported this to the bank twice, and both times they denyed me. Then I worked with their " Executive Customer Relations '' and sent them the chats with the person and the bogus tracking number to prove I was scammed. Their response was : Unfortunately, neither Ally Bank nor XXXX is liable for any typos or keystroke errors that you may make when using XXXX, which appears to be the case in your concern. Further, subject to our obligations under applicable laws and regulations, you agree that you, not Ally Bank or XXXX, are responsible for resolving any payment or other disputes that you have with any other user with whom you send money to, or receive or request money from, using XXXX. Additional information about XXXX can be found on pages 11 through 28 of our Online Banking Services Agreement. 

I have no way of working through a dispute as it was a scam, and there is no one to work through it with. I am appalled that this bank is one of the banks that takes no liability for the fraud that happened using their systems.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal complaint regarding repeated violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Equifax, Experian, Transunion. Specifically, my concerns include : Unauthorized & Inaccurate Information My credit report contains information that does not belong to me, including accounts, inquiries, and personal details. I have disputed these multiple times with the credit bureaus under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), yet the incorrect information remains.

Reinsertion of Previously Deleted Items Accounts and personal information that were previously removed have been reinserted without proper notification, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires the credit bureaus to notify me within five business days if deleted information is reinserted.

Identity Theft Victim & Data Breaches I have been a victim of identity theft and have provided documentation, including an Identity Theft Report ( 15 U.S.C. 1681c-2 ). Additionally, my personal data was exposed during data breaches involving major credit bureaus, further exacerbating fraudulent activity on my report.

Failure to Correct Disputed Information Despite multiple disputes, inaccurate and outdated personal information remains on my credit file, violating 15 U.S.C. 1681c ( obsolete information removal ) and 15 U.S.C. 1681i ( reinvestigation of disputed items ).
Product: Mortgage

My boyfriend and I began the mortgage process with Wells Fargo on XXXX XXXX. We had a signed contract with the sellers on XXXX XXXX and our loan officer assured us that this would be completed, at the latest, 45 days so we could give our landlords the requisite 60 day notice on our apartment. On XXXX XXXX he sent out an email to my attorney that all necessary documents had been received along with our commitment letter ( which was dated 5 days prior ). Then on XXXX XXXX he emailed my attorney that he was working on getting the filed cleared so that we could close the following week. To date, we have not closed, we have cancelled XXXX scheduled moves and we have to move out of our apartment at the end of the month because it has been rented.
Product: Credit reporting or other personal consumer reports

Experian and TRANSUNION has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and transunion has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over 3 years to get XXXX, XXXX, and Experience, to remove a collection account that has been closed they refuse to close it and continue to leave them on my report everytime I disputed an item after the dispute is done my score goes down as much as 22 points
Product: Debt collection

LVNV aka Resurgent Capital Service a company from South Caroline filed a civil lawsuit against me in XXXX XXXX NJ ( XXXX, NJ ) without contacting me or verifying the debt.
Product: Checking or savings account

Good morning, my name is XXXX XXXX. Ive been a good member with MoneyLion for over XXXX to 3 years and they suspended my account for no apparent reason at all. I didnt even get a warning or email from MoneyLion company especially when I have my direct deposit from the city of New York XXXX XXXX XXXX XXXX They talking about Im receiving money from a third party whom I received money from which is cashapp and these third party payments where I earned income from. MoneyLion claims that my account is under investigation thinking about Im running a scam it something. Im a law abiding citizen. I send them valid documents of uploading my identification with a selfie of myself other documents of where I received my mail from and written a valid statement of the profession on what I do on my second job which is a independent contractor that does resumes research papers and other various things as well to earned a income. MoneyLion violated my rights and the contract agreement that I signed especially paying back the loan as well. Something has to give about this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX 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: Checking or savings account

I pay my bills via Chase " bill pay ''. On XXXX XXXX XXXX I paid a vendor, XXXX XXXX the same way that I have paid him monthly for the last ten  years. Of all my bill payees, this is the only one that is an individual private company as opposed to a large corporation ( utility company , insurance co, credit card co, phone co, etc ). The payment for this vendor has always been sent as a hard copy Chase check to his home address. I went into my account, selected " bill pay '', entered the amount, checked that it was withdrawing from the proper checking account and clicked " pay ''. 

A month later, the vendor came to me to tell me that he didn't receive my May payment of {$1400.00}. I looked at my online banking and after careful scrutiny, saw that it went to an email address XXXX via XXXX. The vendor told me he does not have an email address associated with his business and doesn't know whose email that is. CHASE or XXXX assigned that email address, not me! 

I went to my bank branch where I have had a long standing relationship and they told me unfortunately there is no way for Chase or XXXX to trace a transaction once it is sent and that I probably have no recourse! They told me to file a complaint with the Escalation Dept. of Chase. I filed the complaint and after several months, they let me know that there is nothing they can do and that by me clicking on " pay now '' when entereing the transaction, I authorized the transaction and absolved them of any wrongdoing. I was not satisfied with the outcome, so they told me to call the Chase Executive Office and file a complaint, which I did. After more that a month, without anyone contacting me for any further details or discussion, they left me a phone message that my inquiry and case is closed.

If you look closely on the attached document, there is a very small " z '' is next to the P icon for that vendor ( attachment 2 ), meaning it can go via XXXX. It wasn't there several months prior ( last 3rd attachment ). Chase added the unknown email address to make it eligible for XXXX. Chase 's menu choice for " pill pay '' and " XXXX ' ARE THE SAME MENU. I DID NOT choose " XXXX '', it chose for me!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 consumer reporting agency can not furnish a 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

Transunion will not delete servers inquiries on my credit report that are not mine nor did I authorize them, Ive called/sent letters with this complaint yet nothing has been done.
Product: Credit card

I checked my credit report recently and I keep seeing a debt from paypal credit card on my report at all XXXX bureaus the charges were fraudulent and the balance is not mine fees interest etc seems to have been added for charges I do n't owe. I received a XXXX form from IRS stating that I was required to report this old item as income I did just that because I do n't play around with IRS now every month this nightmare item that was fraudulent to start with is being reported as a new and current debt I claimed it on taxes against my own will and now this this is fraud unfair and I want an investigation immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all 3 credit bureaus ( XXXX, XXXX, and Transunion ) telling the, that they were in violations of my rights and that the late payments must be removed asap. But no response nor removal of late payments have been removed. I reached out to all 3 companies on XX/XX/XXXX, XXXX In accordance with the fair Credit Reporting act XXXX  Account # XXXX ( Dated XX/XX/2022 and XX/XX/2022 ), 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.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.